Compare credit card processing and merchant services side by side. See in-person and online card rates, monthly fees, card reader and hardware costs, and contract terms across the top US payment processors, all in US dollars.
Browse all Payment Providers in our directory| Ratings | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| 3.1Capterra (42) | 3.8Capterra (33) | 4.7Capterra (24,000) | 3.5Trustpilot (146) | 4.6Capterra (3,349) | 4.7Capterra (2,679) | 3.8Capterra (575) | 4.2Capterra (552) | 3.0Trustpilot (2,506) | |
| Rates & fees | |||||||||
| 0% markup + 8c | IC + 0.40% + 8c | Best2.29% + 9c | 2.6% + 10c | 2.7% + 5c | 2.6% + 10c | 2.6% + 10c | 2.49% + 15c | Online only (in-person Coming Soon) | |
| 0% markup + 15c | IC + 0.50% + 25c | 2.99% + 49c | 2.9% + 25c | 2.9% + 30c | 2.9% + 30c | 3.5% + 10c | 3.5% + 15c | Best2.80% + $0.30 (domestic cards, blended) | |
| 8c (in-person) | 8c (in-person) | 9c (in-person) | 10c (in-person) | 5c (in-person) | 10c (in-person) | 10c | 15c | BestNone | |
| $99/mo | Free | Free | Free | Free | Free | From $0-135/mo | From $0-165/mo | $0/mo (Explore; Grow $12/spend user/mo + platform fee, Accelerate custom) | |
| Not stated | 2.59% + 8c in-person (vs 1.79% + 8c Visa/MC/Discover) at entry tier | Not stated | Not stated | Not stated | No separate Amex rate | No separate Amex rate ("Consistent Rates") | Not stated | 2.80% + $0.30 (same as Visa/Mastercard; higher for select MCCs) | |
| None disclosed | Free | Free | Free | Free | Free | Varies | ~$250 | Free | |
| ~$25 | $0 won / $15 lost | $20 | ~$25-100 | $15 | Free | ~$20-50 | ~$15-25 | $15 per dispute | |
| Not published | Free | Free | Fee not returned | Free | Free | Varies | None published | $0.30 | |
| Not stated | Not stated | Additional 1.50% on international/commercial transactions | Not stated | +1.5% for international cards (+1% more if currency conversion required) | +1.5% international transaction fee | Not stated | Not stated | +1.50% (International Cards vs Domestic Cards) | |
| Included free | Included free | Included free | Included | Included free | Included free | ~$9.95/mo (reseller) | ~$9.95/mo | Free | |
| Unified commerce | |||||||||
| Yes | Yes | No | Partial | Yes | Yes | Yes | Yes | No | |
| Online capabilities | |||||||||
| Yes | Yes | Yes | Yes | Yes | Yes | Yes | No | Yes | |
| Yes | Yes | Yes | Yes | Yes | Yes | Yes | Existing Toast customers only | Yes | |
| Yes | Yes | Yes | Yes | Yes | Yes | Yes | No | Not stated | |
| Yes | Yes | Yes | Yes | Yes | Yes | Yes | No | Yes | |
| ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Hardware | |||||||||
| Dejavoo QD2 (mobile wireless terminal), Dejavoo QD4 (countertop terminal), Dejavoo D1 (cloud register all-in-one POS), SwipeSimple B350 (mobile/Bluetooth card reader) | Helcim Smart Terminal (standalone, built-in POS + printer), Helcim Card Reader (mobile), Tap to Pay on iPhone | Card Reader (mobile, pairs to phone/tablet), Terminal (all-in-one standalone with built-in POS app, optional barcode scanner) | Chase POS Terminal (wireless handheld, Android-based), Chase Card Reader (mobile, pairs to phone), Chase Wireless Terminal, Chase Countertop Terminal, Tap to Pay on phone | Stripe Reader S710 and S700 (countertop/handheld smart readers), Stripe Reader M2 (compact mobile), Stripe Reader T600 (countertop), BBPOS WisePOS E, Tap to Pay on iPhone and Android; third-party Verifone/BBPOS devices also supported | Mobile card reader (contactless/chip and magstripe), portable terminal (Square Terminal), handheld POS (Square Handheld), countertop POS (Square Stand), two-screen counter POS (Square Register), self-service kiosk (Square Kiosk), Tap to Pay on iPhone/Android | Go (handheld reader), Compact, Flex, Flex Pocket, Mini, Station Solo, Station Duo, Kiosk (self-order) | Toast Flex (countertop terminal), Toast Go 3 (handheld), Kitchen Display System, Guest Facing Display, Toast Tap (on-counter and direct-attach contactless reader) | None (online gateway; POS Payments in the US is Coming Soon) | |
| Yes | Yes | Yes | Yes | No | Yes | Yes | Yes | No | |
| Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | N/A | |
| Not stated | Not stated | No | Not stated | Yes | Yes | Yes | Yes | No | |
| QD2: WiFi, 4G/LTE. QD4 and D1: WiFi, Ethernet. SwipeSimple B350: Bluetooth Low Energy to iOS/Android. | WiFi and LTE/4G (Smart Terminal, via Helcim's Mobile Data Plan); Card Reader wireless connectivity method not stated | Card Reader: Bluetooth only, relies on a paired phone's WiFi/cellular data; Terminal: built-in WiFi plus 3G/4G via an included activated SIM card | Chase Card Reader: Bluetooth to a paired phone/tablet (no native WiFi/cellular). Chase Wireless Terminal: WiFi and 4G-enabled. Chase Countertop Terminal: wired. Chase POS Terminal spec sheet lists only Bluetooth 4.2 BLE, with no WAN radio published despite being marketed as wireless/handheld. | Bluetooth (Stripe Reader M2, BBPOS WisePad 3, BBPOS Chipper 2X BT), WiFi/Internet (Stripe Reader S700/S710, BBPOS WisePOS E), optional Cellular add-on ($10/reader/month, S710 only) | WiFi on all devices; Square Terminal also supports Ethernet via an optional Hub; the mobile Reader relies on a paired phone's WiFi, hotspot, or cellular data | Flex: WiFi, LTE. Mini and Station Solo: WiFi, Ethernet, 4G/LTE. Go: Bluetooth to a paired mobile device (relies on the phone's own WiFi/cellular). Other devices not individually verified. | WiFi and 4G cellular (Toast Go 3 and applicable models), wired Ethernet via Toast Hub/routers | N/A | |
| Quoted (resells Dejavoo/Verifone/Clover near cost) | Card Reader $199; Smart Terminal $349 (or $32/mo) | PayPal Zettle reader ~$29 (first reader); extras ~$79 | Card Reader + Base $129, Countertop $399, Wireless $499, Smart Terminal $499 | Reader M2 $59, WisePOS E $249, Reader S700 $349 | Free reader; Reader $59, Terminal $299, Register $799 | Go ~$49-199, Flex ~$599-749, Mini ~$799-849, Station ~$1,499+ | Starter $0 upfront; Go 2 handheld ~$609-650; stations $600-1,500+ | Online only (in-person Coming Soon) | |
| Platform & trust | |||||||||
| 1-3 business days | Next business day | 1 business day | Same-day (Chase account) | Standard payouts | Next business day | Next business day | Next business day | Not stated | |
| Not stated | Free next-business-day only (Faster Deposits) | 1.50% of amount transferred, minimum $0.50 | Not stated | 1.5% (US rate) | 1.95% per instant/same-day transfer | 1.75% Rapid Deposit fee | 1.75% Instant Deposit fee (excludes Amex Direct transactions) | Not stated | |
| Month-to-month | No contract | Month-to-month | Month-to-month | No contract | Month-to-month | Varies by reseller | 2-3 years | Monthly subscription (no fixed term published) | |
| None | None | None | None | None | None | ~$295-595 (reseller) | $150/mo remaining | Not stated | |
| AI | |||||||||
| Limited (infrastructure-level agentic routing) | Limited (internal fraud ML only) | Native (fraud) | Native (fraud protection) | Native (Stripe Radar, Radar Assistant, Smart Disputes) | Native (Square AI, Square Assistant) | Limited (Fiserv AI insights, biometric fraud) | Native (ToastIQ, Sous Chef, AI Marketing Assistant) | Native (AI-powered fraud engine, Smart 3DS optimization, AI expense policy agent, Airi one-click checkout) | |
| Via 3rd-party (Zapier) | Via 3rd-party (Zapier) | Preview | No | Native MCP (official) | Native MCP (official) | Via 3rd-party (Zapier) | Via 3rd-party (Zapier) | Native MCP (official) |
Independent, side by side breakdowns of the matchups merchants ask about most.
Our team can audit your current merchant fees and negotiate better rates on your behalf.