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RANKINGS/SAAS/PAYMENT PROCESSING

Top 10 Payment Processing

10 ranked on capability, adoption, value, momentum and trust, with a plain verdict on every entry.

LISTER SCORE · UPDATED REGULARLY
Stripe and PayPal are the top choices for payment processing. Stripe is ideal for online businesses and developers needing custom integration, while PayPal suits small merchants and freelancers looking for instant brand recognition and simple checkout setups.
RANKENTRYSCORETRENDFROM
1StripeStripe powers payments for millions of businesses in over 120 countries.95.0NEW2.9% + 30c per transaction
2PayPalPayPal operates in over 200 markets and supports 25 currencies.92.7NEW2.9% + fixed fee
3SquareSquare started by offering a small card reader that plugged into mobile headphone jacks.90.3NEW2.6% + 10c per transaction
4AdyenAdyen handles payments for major global brands like Spotify and Uber.88.0NEWCustom
5Authorize.NetAuthorize.Net has been operating as a payment gateway since 1996.85.7NEW$25 monthly gateway fee
6BraintreeBraintree was acquired by PayPal in 2013 for $800 million.83.3NEW2.59% + 49c per transaction
7Shopify PaymentsUsing Shopify Payments waives additional third-party transaction fees on Shopify stores.81.0NEW2.4% + 25c per transaction
8HelcimHelcim does not charge monthly fees for its core merchant account services.78.7NEWInterchange plus pricing
9WorldpayWorldpay processes millions of transactions every single day.76.3NEWCustom
10Chase Payment SolutionsFunds processed through Chase can be deposited into business accounts same-day at no extra cost.74.0NEW2.6% + 10c per transaction
LAST UPDATED 2026-07-20CURATED · UPDATED REGULARLY

The ranking, in detail

01

Stripe

Financial infrastructure for the internet

A comprehensive payment platform designed for online businesses of all sizes, offering extensive developer tools and customisation.

From 2.9% + 30c per transactionBest for Online businesses and developers
95.0
02

PayPal

The safer, easier way to pay online

A globally recognised payment service enabling easy peer-to-peer transfers and straightforward online merchant checkouts.

From 2.9% + fixed feeBest for Small businesses and freelancers
92.7
03

Square

Make every sale count

A popular point of sale and payment processing provider known for its sleek hardware and unified inventory systems.

From 2.6% + 10c per transactionBest for Brick-and-mortar retail and hospitality
90.3
04

Adyen

Engineered for ambition

A global payment company that provides businesses with a single solution to accept payments online, in app, and in store.

From CustomBest for Large enterprises with international reach
88.0
05

Authorize.Net

The trusted name in payment processing

A veteran payment gateway owned by Visa that helps merchants accept credit card and electronic check payments.

From $25 monthly gateway feeBest for Established e-commerce stores
85.7
06

Braintree

Powering payments for the world's leading companies

A PayPal service that offers secure payment processing for online and mobile applications with various customisation options.

From 2.59% + 49c per transactionBest for Mobile apps and subscription businesses
83.3
07

Shopify Payments

Fully integrated payment processing for Shopify

An integrated payment gateway built directly into the Shopify e-commerce ecosystem to streamline checkout.

From 2.4% + 25c per transactionBest for Shopify store owners
81.0
08

Helcim

Payments that are better for your business

A merchant services provider known for its interchange-plus pricing model and transparent customer support.

From Interchange plus pricingBest for Growing businesses seeking lower fees
78.7
09

Worldpay

Powering commerce worldwide

A global payment processing company offering comprehensive online, mobile, and in-store payment solutions.

From CustomBest for Omnichannel retail and large enterprises
76.3
10

Chase Payment Solutions

Accept payments with confidence

The merchant services arm of JPMorgan Chase, offering reliable payment processing and business banking integration.

From 2.6% + 10c per transactionBest for Businesses already banking with Chase
74.0

Frequently asked questions

What is the difference between a payment gateway and a merchant account?

A payment gateway captures and transfers payment information from the customer to the processor, while a merchant account is the specific bank account where funds from sales are eventually deposited before hitting your primary business account.

What does interchange-plus pricing mean?

Interchange-plus pricing passes the exact wholesale interchange fee charged by credit card networks directly to you, alongside a transparent markup fee charged by your payment processor.

Are there hidden fees in payment processing?

Some providers include hidden fees such as monthly gateway fees, PCI compliance fees, early termination fees, and chargeback fees, which is why reading the terms of service carefully is essential.

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