The Best Online Payment Processing Services of 2022

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2Checkout

2Checkout provides flexible online payment solutions for businesses in over 200 countries to accept payments in over 130 currencies. Its real-time Geo-IP feature tailors the interface for an optimized local buyer's experience, while advanced merchandising tools improve customer retention.

Add-ons are available at an extra cost to maximize the functionality of your business. While 2Convert helps you increase conversion rates, 2Partner gives you the means to better manage your affiliate channel distribution. 2Checkout integrates with over 120 shopping carts, including 3dcart and BigCommerce.

Summary

2Checkout

Chargeback Protection
Yes
In-Store
No
Online
Yes
Subscription Billing
Yes

Chargeback Protection
Yes
In-Store
No
Online
Yes
Subscription Billing
Yes

Adyen

Used by major companies such as Spotify and McDonald's, Adyen provides businesses with a single platform for managing sales and has a complete set of tools to accept in-store and online payments. Intelligent payment routing sends transactions through the best-performing path for higher conversions, and its authentication engine creates a smoother shopping experience.

Adyen has built-in plug-ins for platforms, such as Magento and Shopify. Rates start at 3.75% and $0.20 but can go as high as 10-12% depending on the business type.

Summary

Adyen

Chargeback Protection
Yes
In-Store
Yes
Online
Yes
Subscription Billing
Yes

Chargeback Protection
Yes
In-Store
Yes
Online
Yes
Subscription Billing
Yes

Authorize.Net

With Authorize.net, businesses can accept payments even if they don't have a website. Companies can accept international payments easily, especially those selling specialty items and services. With its easy-to-use dashboards, companies can send branded customer emails and manage their invoices. Configurable fraud mechanisms protect your business's finances and reputation.

There's no setup fee, but Authorize.net charges a $25 monthly gateway fee. The rate for those needing an all-in-one solution is 2.9% plus $0.30, while businesses that only need a gateway will pay $0.10 per transaction and daily batches.

Summary

Authorize.Net

Chargeback Protection
No
In-Store
No
Online
No
Subscription Billing
No

Chargeback Protection
No
In-Store
No
Online
No
Subscription Billing
No

BitPay

With BitPay, businesses can send and receive cryptocurrency payments in 229 countries. BitPay locks in the rate, resulting in less volatility, and converts funds to the desired fiat currency. Businesses have access to e-commerce and donation tools.

BitPay's transaction fee is just 1%, but it could be higher if your business is considered high-risk. It has plug-ins for open-source e-commerce applications, such as WooCommerce and Magento, and there are also out-of-the-box integrations for premium connectors such as Shopify.

Summary

BitPay

Chargeback Protection
No
In-Store
No
Online
Yes
Subscription Billing
Yes

Chargeback Protection
No
In-Store
No
Online
Yes
Subscription Billing
Yes

BlueSnap

BlueSnap provides an All-in-one Payment Platform designed to increase sales and reduce costs for B2B and B2C businesses globally. They help businesses optimize their conversions to increase sales while reducing the costly expenses of cross-border and foreign exchange fees and technical debt. With one integration and one account, businesses can do business around the world via online, mobile, marketplaces, subscriptions, invoicing, and more.

Everything is built into their platform including over 100 payment types, 100 currencies, fraud and chargeback management, accounts receivable automation, compliance, taxes, and unified reporting for easy reconciliation. Successful transaction fees are 2.75% plus $0.30, with no setup or cancellation fees. BlueSnap integrates with popular applications such as Magento, WooCommerce, Salesforce CommerceCloud, BigCommerce, and more. BlueSnap offers a wide range of payment methods such as debit and credit cards, mobile wallets and direct local bank transfers, and more.

BlueSnap also extends its technology and expertise to other software platforms looking to monetize and facilitate their own payments. BlueSnap Embedded Payments allows software businesses to fully integrate payments into their platform, earn new revenue, and leverage our banking partnerships while offloading the risk and compliance to BlueSnap.

Summary

BlueSnap

Chargeback Protection
Yes
In-Store
No
Online
Yes
Subscription Billing
Yes

Chargeback Protection
Yes
In-Store
No
Online
Yes
Subscription Billing
Yes

Boku

Boku is used by companies such as Apple and Sony to get payments from consumers who can't or don't use traditional methods, such as bank accounts or credit cards. As long as a consumer has a mobile phone, they can use carrier billing, mobile wallets, or other digital payment methods.

Users don't need to provide credentials upfront, which increases conversion, and because Boku uses an authenticated mobile identity, spoofing fraud is limited. Boku partners with mobile carriers and merchants for marketing campaigns and bundling partnerships.

Summary

Boku

Chargeback Protection
No
In-Store
No
Online
Yes
Subscription Billing
No

Chargeback Protection
No
In-Store
No
Online
Yes
Subscription Billing
No

CardinalCommerce

CardinalCommerce is dedicated to eliminating fraud and lost revenue for online businesses by providing merchants with the data needed to reduce the number of false declines. The company has a rules engine that lets businesses control which transactions are authenticated.

Its universal wallet provides access to many other digital wallets, such as PayPal and Amazon Pay. Businesses get access to mobile marketing tools they can use to create offers and promotions, increasing customer retention, loyalty, and lifetime value.

Summary

CardinalCommerce

Chargeback Protection
No
In-Store
No
Online
Yes
Subscription Billing
No

Chargeback Protection
No
In-Store
No
Online
Yes
Subscription Billing
No

Cybersource

Cybersource is a global payment processor that provides businesses with a unified platform across channels, including mobile and POS. Sensitive customer data is vaulted away from the company's network, and point-to-point encryption provides an extra layer of security. Global tax compliance and currency conversion are some additional available features, along with the ability to manage recurring billing. Cybersource has diverse partner platforms for customizing solutions.

Summary

Cybersource

Chargeback Protection
No
In-Store
Yes
Online
Yes
Subscription Billing
No

Chargeback Protection
No
In-Store
Yes
Online
Yes
Subscription Billing
No

Dwolla

Dwolla provides businesses with their own programmable, scalable white-label payment system. They can send customers automated notifications, and client accounts can have their own digital wallet functionalities. With tokenization, sensitive data isn't transmitted, reducing the likelihood of breaches.

Businesses can execute multiple transfer types, including wire and ACH transactions, as well as bank verification processes. Dwolla has a pay-as-you-go plan that charges a percentage of sales or flat pricing starting at $2,000 per month for expanded and custom features.

Summary

Dwolla

Chargeback Protection
No
In-Store
No
Online
Yes
Subscription Billing
No

Chargeback Protection
No
In-Store
No
Online
Yes
Subscription Billing
No

Fiserv Merchant Solutions

Formerly First Data Corporation, Fiserv Merchant Solutions facilitates omni-channel commerce with Carat and Clover. Carat payment processing provides optimization with the help of intelligent routing and business logic. Clover is a POS system that enables offline and various online payment options, including contactless cards and virtual terminals. Clover also allows businesses to track inventory and incorporate marketing tools to fuel growth. Its easy-to-use API makes Fiserv seamlessly connect with third-party data sources.

Summary

Fiserv Merchant Solutions

Chargeback Protection
Yes
In-Store
Yes
Online
Yes
Subscription Billing
Yes

Chargeback Protection
Yes
In-Store
Yes
Online
Yes
Subscription Billing
Yes

GoCardless

GoCardless provides an all-in-one dashboard to help you keep track of recurring and one-time payments. It uses bank debit to pull payments from accounts, and with Success+, intelligent payments are secure and optimized. You can set up automated alerts and reminders, knowing your information is secure and GDPR compliant. Transaction fees start at 1% plus $0.25, and integration partners include Zoho and Salesforce.

Summary

GoCardless

Chargeback Protection
No
In-Store
No
Online
Yes
Subscription Billing
Yes

Chargeback Protection
No
In-Store
No
Online
Yes
Subscription Billing
Yes

Ingenico

Ingenico offers a variety of digital solutions, such as smart POS terminals and payment modules, to support standard and cashless payments. Its equipment solution is geared toward driving business growth and success globally. Ingenico's tailored payment solution integrates with over 150 e-commerce methods on any device, while its reporting provides insight into transactions to help companies improve performance.

Summary

Ingenico

Chargeback Protection
Yes
In-Store
Yes
Online
Yes
Subscription Billing
Yes

Chargeback Protection
Yes
In-Store
Yes
Online
Yes
Subscription Billing
Yes

National Merchants

The National Merchants Association, or NMA, is both an advocate for businesses and a payment processing provider. Whether online or offline, it facilitates payment processing and simplifies surcharges to provide businesses with cost-effective ways to do business. NMA's in-house experts work with high-risk merchants and small businesses to provide personalized account management, alerts, and updates.

Summary

National Merchants

Chargeback Protection
Yes
In-Store
Yes
Online
Yes
Subscription Billing
Yes

Chargeback Protection
Yes
In-Store
Yes
Online
Yes
Subscription Billing
Yes

Payline

Payline is an all-in-one processing provider with a payment gateway that supports traditional, expanded, and modifiable recurring billing options. With the help of Verifi, it eliminates fraud and chargebacks, saving businesses from costly fees and fines. Payline easily integrates with existing shopping carts and uses tokenized data for more secure transactions. With more than 200 integrations available, including QuickBooks and various card readers, business owners can find a solution to match their needs.

Summary

Payline

Chargeback Protection
Yes
In-Store
Yes
Online
Yes
Subscription Billing
Yes

Chargeback Protection
Yes
In-Store
Yes
Online
Yes
Subscription Billing
Yes

Payoneer

Payoneer is a payment solution platform that works with freelancers, small businesses, and enterprise organizations. Businesses can get paid to international currency-receiving accounts and withdraw their earnings to their local bank accounts or from their branded debit card.

Payoneer integrates with major marketplaces, such as Amazon and Fiverr, and businesses can pay global taxes, suppliers, and employees in more than 200 countries. Fees start at 1% per transaction, but sending money to another Payoneer account is free.

Summary

Payoneer

Chargeback Protection
Yes
In-Store
Yes
Online
Yes
Subscription Billing
Yes

Chargeback Protection
Yes
In-Store
Yes
Online
Yes
Subscription Billing
Yes

PayPal

PayPal is used by over 200 million individuals and businesses around the world to accept secure payments via websites, email, and with the help of PayPal.me, mobile. Businesses can set up billing subscriptions, and funds can be withdrawn to bank accounts, an e-wallet, or a credit or debit card.

PayPal integrates with thousands of apps and sites, including accounting and analytics applications, to help businesses keep better track of all transactions. Merchant fees start at 5.4% plus $0.30.

Summary

PayPal

Chargeback Protection
Yes
In-Store
Yes
Online
Yes
Subscription Billing
Yes

Chargeback Protection
Yes
In-Store
Yes
Online
Yes
Subscription Billing
Yes

PaySimple

PaySimple is an in-person, online, and mobile payment provider. Companies can relay branded email invoices and access valuable customer communication and data in one centralized location. Dashboards and real-time reporting deliver valuable insights into risks and opportunities, and because PaySimple integrates with QuickBooks, it's easy to sync payments.

PaySimple charges $59.95 for business transactions of $50,000 or less per month. Credit card processing fees start at 2.49% while checking and ACH processing fees start at $0.60 plus 2%.

Summary

PaySimple

Chargeback Protection
Yes
In-Store
Yes
Online
Yes
Subscription Billing
Yes

Chargeback Protection
Yes
In-Store
Yes
Online
Yes
Subscription Billing
Yes

SecurionPay

SecurionPay provides a platform that gives businesses the tools to combine different payment models to meet customer needs. It also provides advanced marketing tools, such as cross-selling, to maximize revenues. Because it integrates with Zapier, businesses can connect with applications to help them optimize and automate their workflows.

Merchants pay 2.95% plus €0.25 per successful transaction. For businesses classified as high-risk, fees start at 4.9% plus €0.35, plus a possible €500 registration fee and a 5-10% withholding fee for six months.

Summary

SecurionPay

Chargeback Protection
Yes
In-Store
Yes
Online
Yes
Subscription Billing
Yes

Chargeback Protection
Yes
In-Store
Yes
Online
Yes
Subscription Billing
Yes

Stax

As an omni-platform payment solution, Stax helps businesses manage the relationship between income and expenses. Businesses can take online and phone payments and the solution's smart analytics offer insights into creating a better customer experience that will lead to more sales.

Stax integrates with QuickBooks Online, and developers can use the company's API to create a more customized solution. The company offers a flat-fee monthly plan that starts at $49, but for companies making less than $80,000 per year, transaction fees start at 2.9%.

Summary

Stax

Chargeback Protection
No
In-Store
Yes
Online
Yes
Subscription Billing
Yes

Chargeback Protection
No
In-Store
Yes
Online
Yes
Subscription Billing
Yes

Tipalti

Tipalti, which in Hebrew means “we handled it,” aims to automate online payments processes around complex payment workflows on a global scale. Founded in 2010, Tipalti is a payables automation platform offering a commission payment service for businesses that work with affiliates and influencers.

Tipalti makes it easy to work with partners and affiliates by automating the full payment process and offering support in over 190 countries and 120 currencies. The software is available both as a web-based service and as a mobile app that can be downloaded on iOS and Android devices. Tipalti offers key features such as supplier and invoice management, agency commissions, commission rules and conditions, and powerful auditing functionality.

The provider includes a number of integrations with affiliate marketing and advertising software tools, such as Affise, Cake, Paladin, and HitPath, and comprehensive payment SOAP API documentation for additional custom integrations. You can book a demo to find out more and test the software. Pricing is quote-based.

Summary

Tipalti

Chargeback Protection
Yes
In-Store
Yes
Online
Yes
Subscription Billing
Yes

Chargeback Protection
Yes
In-Store
Yes
Online
Yes
Subscription Billing
Yes

TSYS (Formely Cayan)

Formerly known as Cayan, TSYS provides an omni-channel platform that streamlines the customer's journey with banking institutions and online payment providers. It provides document delivery and loyalty programs that card issuers can leverage to deliver more efficient customer experiences. TSYS's modular mix-and-match interface makes it easy for institutions and retailers to tailor the experience they want to provide.

Summary

TSYS (Formely Cayan)

Chargeback Protection
Yes
In-Store
Yes
Online
Yes
Subscription Billing
Yes

Chargeback Protection
Yes
In-Store
Yes
Online
Yes
Subscription Billing
Yes

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How We Chose the Best Online Payment Processing Services

In a global economy, businesses need to build trust with customers while providing a safe environment to conduct business. By using the best online payment processing providers around, your business can drive sales and implement customer retention strategies designed to promote long-term growth. To assess the best providers, we looked at their transaction fees and limits as well as payment features.

Transaction Fees

Transaction fees for payment processing providers are a combination of a percentage plus a flat fee for successful transactions only. Companies with higher volumes of sales may get a break on fees.

Transaction Limits

There are a couple of transaction limits providers may set. They can restrict the number of transactions a company does during a specific time, such as only allowing a certain number of transactions per month. They can also limit the number of individual transactions. While these limits are imposed at the start, they can be relaxed over time.

Payment Features

The best providers offer integrations with other essential business tools, such as accounting software for invoice reconciliation. Mobile payment support, subscription billing, and chargeback protection are other valuable features. Analytics is also important to provide insight into business performance and customer perceptions, which are key to building stability and achieving growth.

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The Best Online Payment Processing Services of 2022

Our Top Picks

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How We Chose the Best Online Payment Processing Services

Transaction Fees

Transaction Limits

Payment Features

Related Software and Services

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