1. Stripe
Best for: Online businesses, e-commerce, and SaaS platforms
Features:
Easy integration with robust API
Supports subscriptions, one-time payments, and invoicing
Accepts credit/debit cards, digital wallets (Apple Pay, Google Pay), and ACH payments
Fraud protection tools and dispute handling
Transparent pricing: 2.9% + 30¢ per transaction
2. PayPal (Braintree)
Best for: Businesses that want PayPal + credit card processing
Features:
Supports PayPal, Venmo, credit/debit cards, and digital wallets
Advanced fraud protection
Global payments and recurring billing
Pricing: 2.59% + 49¢ for standard transactions, 3.49% + 49¢ for PayPal transactions
3. Square
Best for: Small retail businesses, brick-and-mortar stores
Features:
Free POS (Point-of-Sale) system
Accepts online and in-person payments
Supports contactless payments and invoicing
No monthly fees, just 2.6% + 10¢ per swipe
4. Authorize.Net (by Visa)
Best for: Businesses needing advanced fraud protection
Features:
Accepts credit cards, e-checks, Apple Pay, and PayPal
Customizable API for developers
Recurring billing and invoicing support
Monthly fee: $25, plus 2.9% + 30¢ per transaction
5. Adyen
Best for: Growing businesses with global expansion plans
Features:
Supports over 150 currencies and multiple payment methods
Built-in fraud detection
Unified API for online and offline transactions
Pricing: 2.9% + 30¢ per transaction
6. Stax by Fattmerchant
Best for: Businesses processing high volumes
Features:
Subscription-based pricing (starts at $99/month)
No per-transaction percentage fee (only interchange rates)
API for online and mobile payments
Good for businesses processing $10K+ per month
7. Helcim
Best for: Transparent pricing and small business-friendly rates
Features:
No monthly fees
Interchange-plus pricing (starting at 1.92% + 8¢ per transaction)
Supports recurring payments, invoices, and hosted payment pages
API integration for developers
Which One Should You Choose?
For e-commerce & SaaS → Stripe or Braintree
For in-store businesses → Square
For high-volume businesses → Stax or Helcim
For international sales → Adyen
For fraud prevention & security → Authorize.Net
