Payment Providers
Processors, merchants of record and billing tools compared on what actually matters to a startup: fees, who handles sales tax, payout speed, and which verified RevMRR startups run on them.
Showing 36 of 219 providers
Xsolla
Merchant of Record
Game developers and publishers selling direct to players internationally — PC and web titles, direct-to-con…
- Standard fee
- 5%
- Tax handling
- MoR — included
Dodo Payments
Merchant of Record
Solo developers, indie hackers and early-stage SaaS or AI companies — particularly those outside the US who…
- Standard fee
- 4% + 40¢
- Tax handling
- MoR — included
Paddle
Merchant of Record
Software, SaaS, AI and digital product companies selling to customers in many countries, especially small t…
- Standard fee
- 5% + 50¢
- Tax handling
- MoR — included
FastSpring
Merchant of Record
Software, SaaS, game and digital-product sellers with meaningful international consumer revenue, who would …
- Standard fee
- 5.9%
- Tax handling
- MoR — included
Polar
Merchant of Record
Independent developers and small SaaS teams selling globally who want tax, invoicing and chargebacks handle…
- Standard fee
- 5% + 50¢
- Tax handling
- MoR — included
Gumroad
Merchant of Record
Individual creators and side projects selling low-volume digital products who want a storefront live in an …
- Standard fee
- 10% + $0.50
- Tax handling
- MoR — included
Adyen
Platform & Vertical SaaS
Mid-market and enterprise merchants with international or omnichannel needs — ecommerce retailers, marketpl…
- Standard fee
- 0.6% + 0.60
- Tax handling
- You handle it
Moov
Payment Processor
Vertical SaaS and platform businesses that need to accept payments on behalf of their own users and then mo…
- Standard fee
- 0.6%
- Tax handling
- You handle it
Helcim
Payment Processor
Low-risk businesses in the US or Canada with meaningful card volume — especially those processing $50,000+ …
- Standard fee
- 0.5% + 0.5
- Tax handling
- You handle it
Fresha
POS & Retail
Salons, barbershops, spas, nail and lash studios and wellness practices that want scheduling, deposits, no-…
- Standard fee
- 2.79% + $0.20
- Tax handling
- You handle it
myPOS
Platform & Vertical SaaS
Sole traders, market and event sellers, taxi drivers, mobile tradespeople, small cafés and shops in the UK …
- Standard fee
- 1.3% + £0.15
- Tax handling
- You handle it
Revolut Business
Payment Processor
Small and medium businesses in the UK, the EEA or Australia that already use Revolut Business as their oper…
- Standard fee
- 1% + £0.20
- Tax handling
- You handle it
Tyl by NatWest
Platform & Vertical SaaS
UK sole traders and small businesses taking mostly UK consumer debit and credit cards, especially those und…
- Standard fee
- 1.39% + 5p
- Tax handling
- You handle it
Tyro
Platform & Vertical SaaS
Australian cafés, restaurants, bars, retailers and health practices that run an integrated point-of-sale or…
- Standard fee
- 1.4%
- Tax handling
- You handle it
Finix
Payment Processor
Software platforms, marketplaces and vertical SaaS embedding payments, and direct merchants processing well…
- Standard fee
- 0%
- Tax handling
- You handle it
Zeller
Platform & Vertical SaaS
Australian cafés, restaurants, retailers, trades and service businesses that take most of their money at a …
- Standard fee
- 1.7%
- Tax handling
- You handle it
Pin Payments
Payment Processor
Australian and New Zealand small businesses that sell online, invoice through Xero or bill on a subscriptio…
- Standard fee
- 1.6% + 30c
- Tax handling
- You handle it
Clio Payments
POS & Retail
US and Canadian law firms already on Clio Manage, especially solo and small firms that take retainers into …
- Standard fee
- 2.95%
- Tax handling
- You handle it
Lemon Squeezy
Merchant of Record
Existing Lemon Squeezy merchants with a working store and no urgent support needs, who can keep selling whi…
- Standard fee
- 5% + $0.50
- Tax handling
- MoR — included
Paysafe
Platform & Vertical SaaS
Larger merchants in specialized or international verticals — iGaming, video gaming, travel, financial servi…
- Standard fee
- 1%
- Tax handling
- You handle it
Flutterwave
Payment Processor
African businesses and foreign companies selling into Africa that need local cards, bank transfers, USSD, m…
- Standard fee
- 2% + R1
- Tax handling
- You handle it
Moneris
Platform & Vertical SaaS
Mid-sized to large Canadian retailers, restaurants, and hospitality groups that want Interac debit, a full …
- Standard fee
- 2.4%
- Tax handling
- You handle it
Jobber
POS & Retail
Home-service businesses of one to a few dozen field staff that invoice from the app and want card, ACH and …
- Standard fee
- 2.9% + 30¢
- Tax handling
- You handle it
GoDaddy Payments
Payment Processor
Small retailers, service businesses and appointment-based operators already running a GoDaddy website, onli…
- Standard fee
- 2.7% + 30¢
- Tax handling
- You handle it
HitPay
Payment Processor
Singapore sole traders, shops, F&B outlets, tutors, studios and small online sellers whose customers pay mo…
- Standard fee
- 2.8%
- Tax handling
- You handle it
Zoho Payments
Payment Processor
US small businesses and B2B service firms that already invoice or bill through Zoho Books, Zoho Invoice, Zo…
- Standard fee
- 2.9% + 30¢
- Tax handling
- You handle it
CardX
Merchant Account (ISO)
US businesses with a large share of credit card sales and customers who will accept a card fee, such as con…
- Standard fee
- 0%
- Tax handling
- You handle it
GlossGenius
POS & Retail
US salons, barbers, lash, brow and nail studios, estheticians, massage therapists, medical spas and small f…
- Standard fee
- 2.6%
- Tax handling
- You handle it
FreshBooks Payments
Payment Processor
US and Canadian freelancers, consultants, agencies and trades already on FreshBooks who invoice mostly by c…
- Standard fee
- 2.9% + $0.30
- Tax handling
- You handle it
Verotel
Merchant of Record
Adult, webcam, dating and other online-entertainment merchants selling subscriptions or tokens who want a E…
- Standard fee
- 15.5%
- Tax handling
- MoR — included
Wave (Wave Financial)
Payment Processor
Freelancers, consultants, contractors and one-person service businesses in the United States or Canada who …
- Standard fee
- 2.9%
- Tax handling
- You handle it
QuickBooks Payments (Intuit)
Payment Processor
Service businesses, contractors, consultancies and small trades that already run QuickBooks Online and invo…
- Standard fee
- 2.99%
- Tax handling
- You handle it
emerchantpay
Platform & Vertical SaaS
Established merchants in verticals conventional acquirers decline — gaming, forex, travel, subscriptions — …
- Standard fee
- 1.8%
- Tax handling
- You handle it
Dwolla
Bank & A2A Payments
Software platforms, marketplaces and finance teams that need programmable US bank transfers — ACH, Same Day…
- Standard fee
- 0.5%
- Tax handling
- You handle it
CardConnect
Merchant Account (ISO)
Merchants whose existing business software is already integrated with the CardPointe gateway, and larger ac…
- Standard fee
- 0.1% + $0.05
- Tax handling
- You handle it
Airwallex
Payment Processor
Ecommerce and SaaS businesses selling into several countries, marketplaces and platforms needing multi-curr…
- Standard fee
- 2.8% + $0.30
- Tax handling
- You handle it
Popular comparisons
All comparisons →How the RevMRR Score works
Every provider is scored out of 100 by the same formula, using only the facts on this page. Nobody pays for a grade. A is 80+, B is 65–79, and C is below 65.
| Cost | 25 pts | Standard rate against others of the same type: cheapest 25, priciest 10, quote-based 12. |
|---|---|---|
| Pricing transparency | 15 pts | A published self-serve rate scores 15; quote-based or vague pricing scores 6. |
| Tax handling | 15 pts | Sales tax and VAT handled for you 15, available as an add-on 8, left to you 3. |
| Payout speed | 10 pts | Within a few days 10, weekly or on request 6, monthly or slower 3. |
| Who can sign up | 15 pts | Most countries 15, about 40+ countries 10, a handful of countries 5. |
| Payment methods | 10 pts | 2 points per listed method, up to 5. |
| Subscriptions | 10 pts | Recurring billing supported 10, otherwise 0. |
Fees shown are each provider's standard published rate for a domestic online card payment. Providers change pricing and offer custom rates, so always confirm on their pricing page before deciding.