The Best Online Payment Processing Services of 2022
Written by: Digital.com Staff
Updated November 21, 2022Disclosure: Your support helps keep the site running! We earn a referral fee for some of the services we recommend on this page. Learn more
Our Top Picks
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.
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 ProtectionYes
- In-StoreNo
- OnlineYes
- Subscription BillingYes
- Chargeback ProtectionYes
- In-StoreNo
- OnlineYes
- Subscription BillingYes
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.
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 ProtectionYes
- In-StoreYes
- OnlineYes
- Subscription BillingYes
- Chargeback ProtectionYes
- In-StoreYes
- OnlineYes
- Subscription BillingYes
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.
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 ProtectionNo
- In-StoreNo
- OnlineNo
- Subscription BillingNo
- Chargeback ProtectionNo
- In-StoreNo
- OnlineNo
- Subscription BillingNo
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.
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 ProtectionNo
- In-StoreNo
- OnlineYes
- Subscription BillingYes
- Chargeback ProtectionNo
- In-StoreNo
- OnlineYes
- Subscription BillingYes
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.
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 ProtectionYes
- In-StoreNo
- OnlineYes
- Subscription BillingYes
- Chargeback ProtectionYes
- In-StoreNo
- OnlineYes
- Subscription BillingYes
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.
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 ProtectionNo
- In-StoreNo
- OnlineYes
- Subscription BillingNo
- Chargeback ProtectionNo
- In-StoreNo
- OnlineYes
- Subscription BillingNo
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.
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 ProtectionNo
- In-StoreNo
- OnlineYes
- Subscription BillingNo
- Chargeback ProtectionNo
- In-StoreNo
- OnlineYes
- Subscription BillingNo
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 ProtectionNo
- In-StoreYes
- OnlineYes
- Subscription BillingNo
- Chargeback ProtectionNo
- In-StoreYes
- OnlineYes
- Subscription BillingNo
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.
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 ProtectionNo
- In-StoreNo
- OnlineYes
- Subscription BillingNo
- Chargeback ProtectionNo
- In-StoreNo
- OnlineYes
- Subscription BillingNo
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 ProtectionYes
- In-StoreYes
- OnlineYes
- Subscription BillingYes
- Chargeback ProtectionYes
- In-StoreYes
- OnlineYes
- Subscription BillingYes
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 ProtectionNo
- In-StoreNo
- OnlineYes
- Subscription BillingYes
- Chargeback ProtectionNo
- In-StoreNo
- OnlineYes
- Subscription BillingYes
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 ProtectionYes
- In-StoreYes
- OnlineYes
- Subscription BillingYes
- Chargeback ProtectionYes
- In-StoreYes
- OnlineYes
- Subscription BillingYes
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 ProtectionYes
- In-StoreYes
- OnlineYes
- Subscription BillingYes
- Chargeback ProtectionYes
- In-StoreYes
- OnlineYes
- Subscription BillingYes
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 ProtectionYes
- In-StoreYes
- OnlineYes
- Subscription BillingYes
- Chargeback ProtectionYes
- In-StoreYes
- OnlineYes
- Subscription BillingYes
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.
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 ProtectionYes
- In-StoreYes
- OnlineYes
- Subscription BillingYes
- Chargeback ProtectionYes
- In-StoreYes
- OnlineYes
- Subscription BillingYes
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.
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 ProtectionYes
- In-StoreYes
- OnlineYes
- Subscription BillingYes
- Chargeback ProtectionYes
- In-StoreYes
- OnlineYes
- Subscription BillingYes
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%.
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 ProtectionYes
- In-StoreYes
- OnlineYes
- Subscription BillingYes
- Chargeback ProtectionYes
- In-StoreYes
- OnlineYes
- Subscription BillingYes
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.
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 ProtectionYes
- In-StoreYes
- OnlineYes
- Subscription BillingYes
- Chargeback ProtectionYes
- In-StoreYes
- OnlineYes
- Subscription BillingYes
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%.
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 ProtectionNo
- In-StoreYes
- OnlineYes
- Subscription BillingYes
- Chargeback ProtectionNo
- In-StoreYes
- OnlineYes
- Subscription BillingYes
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.
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 ProtectionYes
- In-StoreYes
- OnlineYes
- Subscription BillingYes
- Chargeback ProtectionYes
- In-StoreYes
- OnlineYes
- Subscription BillingYes
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 ProtectionYes
- In-StoreYes
- OnlineYes
- Subscription BillingYes
- Chargeback ProtectionYes
- In-StoreYes
- OnlineYes
- Subscription BillingYes