StripeProcesses over $1 trillion in annual transaction volume across 195 countries95.0NEW2.9% + 30c per transaction
PayPalServes over 400 million active users and processes payments in 200+ markets92.7NEW2.9% + fixed fee
SquareProcesses over $250 billion annually across 11 million square feet of retail space90.3NEW2.6% + 10c per transaction
AdyenPowers payment processing for major global brands and processes billions in transaction value annually88.0NEWCustom
Authorize.NetEstablished in 1996 and processes over $100 billion in annual transaction volume83.3NEW$25 monthly gateway fee + 2.9% + $0.30 per transaction
2Checkout (Verifone)Supports payments in 135+ currencies and operates in 200+ countries81.0NEWVariable based on payment method; 3.5% + per-transaction fees
Wise (formerly TransferWise)Specialises in real mid-market exchange rates without hidden markups, saving businesses money on FX conversions78.7NEWMid-market rate (typically 0.4% spread) + service fee
FirstData (now Fiserv)One of the world's largest payments processors with presence across North America and Europe76.3NEWCustom
MollieBuilt from the ground up to simplify payment integration with a modern developer-friendly API74.0NEW2.0% + €0.05 per transaction
Stripe provides a comprehensive suite of payment processing tools including payment acceptance, invoicing, subscription management, and advanced developer APIs. It supports 135+ currencies and is used by millions of businesses globally.
PayPal offers payment processing, invoicing, and business solutions for online merchants. It provides both standalone payment acceptance and integrated solutions, with buyer protection and seller tools.
Square provides point-of-sale systems, payment processing, and business management tools tailored for physical retail, restaurants, and service providers. It offers both card readers and integrated software.
Adyen is a global payments company offering omnichannel payment solutions including online, in-store, and mobile payments. It serves large enterprises with high transaction volumes and operates its own payment processing infrastructure.
Worldpay provides payment processing, fraud prevention, and omnichannel payment solutions for businesses globally. It offers both hosted solutions and integrated merchant services.
Authorize.Net is a payment gateway provider offering transaction processing, reporting, and fraud tools. It serves as a middle layer between merchants and payment networks, popular particularly in North America.
2Checkout (now owned by Verifone) provides payment processing, subscription management, and merchant services across multiple currencies and countries. It specialises in supporting digital goods and recurring billing.
Wise specialises in international money transfers and multi-currency payments using real exchange rates. It has expanded to offer API access for businesses requiring cross-border payment solutions.
FirstData (merged with Fiserv) provides merchant acquiring, payment processing, and point-of-sale solutions. It serves a broad customer base from small businesses to large enterprises with customised solutions.
Mollie is a European payment service provider offering a simple API for merchants to accept payments. It focuses on straightforward integration and supports multiple payment methods popular in Europe.
A payment gateway is software that connects a merchant's website to the payment networks (like Visa or Mastercard), while a processor handles the actual settlement of funds and merchant services. Some platforms like Stripe combine both functions, whilst others like Authorize.Net function primarily as gateways requiring a separate merchant account.
Consider transaction fees, payment methods supported (cards, wallets, bank transfers), geographic coverage, integration ease, customer support quality, fraud prevention capabilities, reporting tools, and PCI compliance features. Your specific business type (e-commerce, retail, SaaS, etc.) should heavily influence your choice.
Most processors charge a percentage of transaction value plus a fixed fee per transaction (e.g. 2.2% + $0.30). Some charge monthly gateway fees, setup fees, or chargeback fees. Volume discounts may apply for high-transaction businesses. Enterprise processors often use custom pricing negotiated based on business specifics.
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