Compare payment processors
Published fees, features and our take on the most popular credit card processors, side by side. Fees checked November 2026.
Not sure where to start? Take the 1-minute quiz →Standard published US rates for each provider as of November 2026. Custom, interchange-plus and volume pricing may be available. Always confirm current pricing with the provider before signing up.
How to choose a payment processor
The right processor depends on how you sell, how much you process and what industry you're in. Start with these four questions:
Our methodology
We take rates directly from each provider's own pricing page and note the date we checked. We compare standard US pricing for card-present, online and keyed payments, monthly fees and chargeback fees.
Partners may pay us when you request a quote or sign up. That never changes the fee data we publish, and partner listings are always labeled.
Read our full methodology →Read our disclosure →Payment processor questions
What is the cheapest credit card processor?
It depends on your volume and card mix. For small businesses, flat-rate providers like Square and Stripe are simple and predictable. As volume grows, interchange-plus providers such as Helcim, or a negotiated merchant account, are usually cheaper. Use our fee calculator to compare with your own numbers.
What's the difference between a processor and a merchant account?
Stripe, Square and PayPal are payment facilitators that put many businesses under one shared account, so signup is instant. A merchant account is underwritten for your business alone, which takes longer but usually brings more stable terms and negotiable pricing.
Why was my business declined by Stripe or Square?
Payment facilitators restrict certain industries and business models, such as CBD, supplements and some subscription offers. A specialist high-risk merchant account provider reviews these businesses individually.
How often are these rates updated?
Each listing shows the month we last checked the provider's published pricing. Providers can change rates at any time, so confirm current pricing on their website before you sign up.
Get matched with the right processor
Two quick steps. We'll share your request with processing partners that fit your industry and volume, including high-risk specialists.