Compare processors
Put up to 4 payment processors side by side and weigh pricing, capabilities, and company facts at a glance.
Comparing 4 of 4.
| Compare |  Helcim4.5(4) |  PayPal4.5(4) |  Square4.5(4) |  Authorize.net4.5(4) |
|---|---|---|---|---|
| Pricing | ||||
| Online card rate | Interchange + 0.50% + $0.25 | 2.99% + $0.49 | 2.9% + $0.30 | 2.9% + $0.30 |
| In-person rate | Interchange + 0.40% + $0.08 | 2.29% + $0.09 | 2.6% + $0.15 | — |
| Keyed-in rate | — | 3.49% + $0.09 | 3.5% + $0.15 | 2.9% + $0.30 |
| International | — | +1.5% | — | — |
| ACH / bank | 0.5% + $0.25 (cap $6) | 0.8% (cap $5) | 1% ($1 min) | 0.75% (eCheck) |
| Monthly fee | $0 | $0 | $0 | $25 |
| Setup fee | — | — | — | $0 |
| Monthly minimum | — | — | — | — |
| Chargeback fee | $15 | $20 | $0 | $25 |
| Pricing model | Interchange-plus | Flat rate | Flat rate | Flat rate, Subscription |
| Contract | No contract | No contract | No contract | Month-to-month |
| Free trial | No | No | Yes | No |
| Payout time | Next day | Instant | Next day | Varies |
| Payment methods | ||||
| Visa | Yes | Yes | Yes | Yes |
| Mastercard | Yes | Yes | Yes | Yes |
| Amex | Yes | Yes | Yes | Yes |
| Discover | Yes | Yes | Yes | Yes |
| Apple Pay | Yes | No | Yes | Yes |
| Google Pay | Yes | No | Yes | No |
| ACH | Yes | No | No | Yes |
| PayPal | No | Yes | No | No |
| BNPL | No | Yes | No | No |
| Wallets | No | Yes | Yes | Yes |
| Integrations | ||||
| API | Yes | No | No | Yes |
| Hosted checkout | Yes | Yes | Yes | Yes |
| POS hardware | Yes | No | Yes | No |
| Virtual terminal | Yes | No | Yes | Yes |
| Invoicing | Yes | Yes | Yes | Yes |
| Payment links | Yes | Yes | Yes | No |
| Shopify | No | Yes | No | No |
| WooCommerce | No | Yes | Yes | Yes |
| BigCommerce | No | Yes | No | No |
| Wix | No | No | Yes | No |
| Features | ||||
| Recurring billing | Yes | Yes | Yes | Yes |
| Tap to pay | Yes | No | Yes | No |
| Reporting dashboard | Yes | Yes | Yes | Yes |
| No rolling reserve | Yes | No | No | No |
| Fraud protection | Yes | Yes | Yes | Yes |
| Chargeback protection | No | Yes | No | No |
| Tokenization | No | No | No | Yes |
| Company | ||||
| Founded | 2006 | 1998 | 2009 | 1996 |
| Headquarters | Calgary, AB, Canada | San Jose, CA, USA | Oakland, CA, USA | Foster City, CA, USA |
| Company size | 51-250 staff | 1000+ staff | 1000+ staff | 251-1000 staff |
| Regions | US, CA | US, CA, EU, UK, Global | US, CA, UK, EU | US, CA, UK, EU |
| PCI level | Level 1 | Level 1 | Level 1 | Level 1 |
| Currencies | USD, CAD | 100+ currencies | Multiple (by region) | Multiple (via merchant account) |
| High-risk friendly | No | No | No | No |
| Get started | ||||
| Visit / profile | ||||