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Web Services > Pay Gateway & Alt Processors

Name Description Pricing Features Customer Support Top Pros Top Cons

Authorize. Net
Rating: 90%

Authorize.Net is a payment gateway platform which provides the complex infrastructure and security necessary to ensure fast, reliable and secure transmission of transaction data. Just like a traditional card swipe machine, it manages the routing of transactions, albeit in an online setting, with no software needed for installation and implementation.
read more
$49.00 account set up fee,
$25.00 per month gateway fee,
$0.10 per transaction,
processing fee (in addition to any fee charged by the merchant account provider),
$0.10 daily batch fee

read more
payment gateway,
merchant account,
virtual Point of Sale (VPOS),
Apple Pay support,
Authorize.Net mPOS mobile payments,
simple checkout,
advanced fraud detection suite,
automated recurring billing,
etc

read more
24/7 phone support broad support for multiple currencies,
robust security and anti-fraud features,
month-to-month billing,
no long-term contracts
read more
data portability is complicated and expensive,
pricey account setup fee,
high flat-rate pricing for optional merchant accounts
read more

PayPal
Rating: 90%

PayPal is an e-commerce platform designed to help individuals and companies accept and make payments and remit money without having to provide financial information. It boasts of bank-level technology to ensure secure transactions between customers and vendors using all types of credit/debit cards that PayPal supports.
read more
Payflow Link: $0/month
Payflow Pro: $25/month
works with almost any merchant account, processor, and shopping cart
up to a 44% higher online checkout conversion with PayPal
read more
community forum
knowledge base
phone/email
social media
trusted by consumers
Iideal for low-volume merchants
extensive integrations
good developer tools
all-in-one payments system
simpler compliance and tracking

read more
account stability issues
inconsistent customer support
not suitable for high-risk industries

Worldpay
Rating: 90%

WorldPay is a payment gateway that offers businesses of all sizes robust payment processing solutions that can be tailored to fit their ever-changing requirements. Their payment services range from in-store, online, and via mobile devices. WorldPay gives businesses an omnichannel payment processing platform that simplifies and streamlines payments across a variety of sales channels.
read more
2.90% + $0.30 per transaction merchant accounts,
credit card terminals,
payment gateway,
virtual terminal,
mobile payments,
integrated cash register/POS options,
QuickBooks Integration,
security suite,
etc

read more
24/7 phone and email support large international processor,
interchange-plus pricing available
early termination fee of up to $295,
three-year contract,
misleading “free” terminal offer

Payline
Rating: 98%

Payline Mobile is a user-friendly mobile payment solution that lets small businesses bypass costly transaction fees. Instead of expensive overhead, users only need to pay a minimal monthly fee and a fractional transaction cost. Plus, the rates are transparent so merchants are always aware of how much they are being charged for every sale.
read more
$0.20 per transaction,
$10.00 monthly fee,
$25.00 monthly minimum
flexible payment integration solutions,
virtual terminal,
web and mobile gateway payment processing,
built-in security and fraud protection,
airline API,
etc

read more
8:00 AM to 5:00 PM - Mo-Fr by phone and email fair pricing with easy-to-understand contracts and no hidden fees,
integrates with Apple Pay and other mobile wallet services,
month-to-month contracts with no early termination fees

read more
there are complaints about customer service being disorganized

Stripe
Rating: 95%

Stripe is a cloud payment platform designed to help you accept and manage online transactions. It gives you an end-to-end solution with features to process online payments, making it ideal for e-commerce or web-based businesses. At its core is a robust payments engine that streamlines the movement of money in your business while connecting with applications that enable you to prevent frauds, manage revenue, and drive global business growth.
read more
credit cards: 2.9% + $0.30
ACH: 0.8% (cApped at $5)
payment processing,
developer tools,
billing/subscriptions,
connect for marketplaces and platforms,
Atlas allows international businesses to incorporate in the U.S,
Radar - a solution to eCommerce fraud,
tools for POS payments,
etc

read more
24/7 live chat and phone support excellent developer tools,
predictable flat-rate pricing,
advanced reporting tools,
ideal for international merchants,
excellent marketplace tools,
excellent subscription tools,
multi-currency support

read more
account stability issues,
not suitable for high-risk industries

Braintree
Rating: 95%

Braintree is an online payment gateway that is designed to make payments easier. The platform offers the global commerce tools people need to build businesses, accept payments, and enable commerce for their users. It lets companies build their own experiences and then scale their businesses around the world.
read more
$49/month for gateway,
$0.10 per transaction,
$10 for additional merchant account beyond the first
merchant accounts,
gateway services
drop-in UI and custom fields,
different presentment and settlement currency,
fraud protection tools,
integrations,
manual transactions,
data portability,
etc

read more
7:00 AM to 7:00 PM - by phone and email predictable flat-rate pricing,
excellent developer tools,
extensive integrations available,
excellent customer support,
comprehensive payment type support,
multi-currency options,
excellent marketplace tools

read more
not suitable for high-risk industries,
long setup times for accounts

WePay
Rating: 90%

WePay is an online payment solution that has been designed to provide the optimal payment experience for its users. It partners closely with platforms to provide fully integrated payments and risk services so users can deliver the end-to-end user experiences they want without taking on the overhead that is not wanted.
read more
2.9% + $0.30 for each transaction
1% + $0.30 for ACH payments
targets the platform owners, not merchants using the platforms
payment processing,
“White-label” payments,
developer documentation/API,
simultaneous on-boarding,
revenue from payments,
risk management & fraud protection,
mobile Point Of Sale (mPOS),
etc

read more
9:00 AM to 9:00 PM - Mo-Fr by email only good developer tools,
good marketplace tools,
chip card hardware,
no setup or Application fees,
good for low-volume merchants
read more
no pricing disclosed on the website
account stability issues

PaySimple
Rating: 95%

PaySimple is a simple cloud-based receivables automation service that is created specifically for small businesses. The software is intended to simplify the lives of business owners with its easy-to-setup and easy-to-use approach. It offers a full set of useful features and tools that reduce the time users spend on chasing, sorting, and monitoring payments – enabling them to channel their attention and efforts on things that matter most.
read more
Pro Plan: $49.95/month
Enterprise Plan: $99.95/month
transaction fees
merchant account,
virtual terminal,
mobile Point of Sale (mPOS),
recurring billing,
ACH/eCheck payments,
customer management,
Appointment booking & scheduling,
developer resources,
etc

read more
10:00 AM to 7:00 PM - Live Chat ideal for service industries,
no early termination fee,
no setup or Application fees,
good subscription & invoicing tools,
customizable payment pages,
eCheck processing offered

read more
doesn't fit for high-volume, card-present merchants,
doesn't fit for international merchants,
account stability issues

PayTrace
Rating: 98%

PayTrace specializes in B2B transactions and is one of the few payment gateway providers that can process Level II and III credit card data. Although it's a little extra work for the merchant, this can pay for itself thanks to lower interchange rates. PayTrace began with the idea that payment systems could be better. Merchants didn't have to settle for mediocre gateways offering little to no support.
read more
starts at $15.00/month payment gateway,
virtual terminal,
mobile payments,
pre-integrated shopping carts,
stored customer profiles,
recurring billing,
security features,
developer features,
eCheck (ACH) processing,
etc

read more
7:00 AM to 7:00 PM - Mo-Fr by phone month-to-month billing with no long-term contracts,
integrates with most merchant account providers and shopping carts,
supports Level II and Level III credit card data for B2B merchants

read more
high per-transaction processing charge under Basic pricing plan

USAePay
Rating: 95%

Founded in 1998 by Ben Goretsky and Alex Goretsky, USAePay is one of the industries leading payment gateway companies. We work with many merchant service banks and leading check platforms worldwide. Company has developed extensive elements that allow it's a client to do so much more — from running better reports, processing payments efficiently, improving mobility and connectivity, to decreasing fraud risk.
read more
$20.00/month - $25.00/month payment gateway,
virtual terminal,
mobile payments,
shopping cart integration,
security features,
developer features,
check processing,
etc

read more
phone support secure and easy for anyone to use the USA ePay hardware is outdated, and the solution is to purchase third party hardware and still use their software

Authorize. Net

Pricing $49.00 account set up fee,
$25.00 per month gateway fee,
$0.10 per transaction,
processing fee (in addition to any fee charged by the merchant account provider),
$0.10 daily batch fee
Features payment gateway,
merchant account,
virtual Point of Sale (VPOS),
Apple Pay support,
Authorize.Net mPOS mobile payments,
simple checkout,
advanced fraud detection suite,
automated recurring billing,
etc
Customer Support 24/7 phone support
Top Pros broad support for multiple currencies,
robust security and anti-fraud features,
month-to-month billing,
no long-term contracts
Top Cons data portability is complicated and expensive,
pricey account setup fee,
high flat-rate pricing for optional merchant accounts
Overall Rating 90%

Authorize.Net is a payment gateway platform which provides the complex infrastructure and security necessary to ensure fast, reliable and secure transmission of transaction data. Just like a traditional card swipe machine, it manages the routing of transactions, albeit in an online setting, with no software needed for installation and implementation.

PayPal

Pricing Payflow Link: $0/month
Payflow Pro: $25/month
Features works with almost any merchant account, processor, and shopping cart
up to a 44% higher online checkout conversion with PayPal
Customer Support community forum
knowledge base
phone/email
social media
Top Pros trusted by consumers
Iideal for low-volume merchants
extensive integrations
good developer tools
all-in-one payments system
simpler compliance and tracking
Top Cons account stability issues
inconsistent customer support
not suitable for high-risk industries
Overall Rating 90%

PayPal is an e-commerce platform designed to help individuals and companies accept and make payments and remit money without having to provide financial information. It boasts of bank-level technology to ensure secure transactions between customers and vendors using all types of credit/debit cards that PayPal supports.

Worldpay

Pricing 2.90% + $0.30 per transaction
Features merchant accounts,
credit card terminals,
payment gateway,
virtual terminal,
mobile payments,
integrated cash register/POS options,
QuickBooks Integration,
security suite,
etc
Customer Support 24/7 phone and email support
Top Pros large international processor,
interchange-plus pricing available
Top Cons early termination fee of up to $295,
three-year contract,
misleading “free” terminal offer
Overall Rating 90%

WorldPay is a payment gateway that offers businesses of all sizes robust payment processing solutions that can be tailored to fit their ever-changing requirements. Their payment services range from in-store, online, and via mobile devices. WorldPay gives businesses an omnichannel payment processing platform that simplifies and streamlines payments across a variety of sales channels.

Payline

Pricing $0.20 per transaction,
$10.00 monthly fee,
$25.00 monthly minimum
Features flexible payment integration solutions,
virtual terminal,
web and mobile gateway payment processing,
built-in security and fraud protection,
airline API,
etc
Customer Support 8:00 AM to 5:00 PM - Mo-Fr by phone and email
Top Pros fair pricing with easy-to-understand contracts and no hidden fees,
integrates with Apple Pay and other mobile wallet services,
month-to-month contracts with no early termination fees
Top Cons there are complaints about customer service being disorganized
Overall Rating 98%

Payline Mobile is a user-friendly mobile payment solution that lets small businesses bypass costly transaction fees. Instead of expensive overhead, users only need to pay a minimal monthly fee and a fractional transaction cost. Plus, the rates are transparent so merchants are always aware of how much they are being charged for every sale.

Stripe

Pricing credit cards: 2.9% + $0.30
ACH: 0.8% (cApped at $5)
Features payment processing,
developer tools,
billing/subscriptions,
connect for marketplaces and platforms,
Atlas allows international businesses to incorporate in the U.S,
Radar - a solution to eCommerce fraud,
tools for POS payments,
etc
Customer Support 24/7 live chat and phone support
Top Pros excellent developer tools,
predictable flat-rate pricing,
advanced reporting tools,
ideal for international merchants,
excellent marketplace tools,
excellent subscription tools,
multi-currency support
Top Cons account stability issues,
not suitable for high-risk industries
Overall Rating 95%

Stripe is a cloud payment platform designed to help you accept and manage online transactions. It gives you an end-to-end solution with features to process online payments, making it ideal for e-commerce or web-based businesses. At its core is a robust payments engine that streamlines the movement of money in your business while connecting with applications that enable you to prevent frauds, manage revenue, and drive global business growth.

Braintree

Pricing $49/month for gateway,
$0.10 per transaction,
$10 for additional merchant account beyond the first
Features merchant accounts,
gateway services
drop-in UI and custom fields,
different presentment and settlement currency,
fraud protection tools,
integrations,
manual transactions,
data portability,
etc
Customer Support 7:00 AM to 7:00 PM - by phone and email
Top Pros predictable flat-rate pricing,
excellent developer tools,
extensive integrations available,
excellent customer support,
comprehensive payment type support,
multi-currency options,
excellent marketplace tools
Top Cons not suitable for high-risk industries,
long setup times for accounts
Overall Rating 95%

Braintree is an online payment gateway that is designed to make payments easier. The platform offers the global commerce tools people need to build businesses, accept payments, and enable commerce for their users. It lets companies build their own experiences and then scale their businesses around the world.

WePay

Pricing 2.9% + $0.30 for each transaction
1% + $0.30 for ACH payments
Features targets the platform owners, not merchants using the platforms
payment processing,
“White-label” payments,
developer documentation/API,
simultaneous on-boarding,
revenue from payments,
risk management & fraud protection,
mobile Point Of Sale (mPOS),
etc
Customer Support 9:00 AM to 9:00 PM - Mo-Fr by email only
Top Pros good developer tools,
good marketplace tools,
chip card hardware,
no setup or Application fees,
good for low-volume merchants
Top Cons no pricing disclosed on the website
account stability issues
Overall Rating 90%

WePay is an online payment solution that has been designed to provide the optimal payment experience for its users. It partners closely with platforms to provide fully integrated payments and risk services so users can deliver the end-to-end user experiences they want without taking on the overhead that is not wanted.

PaySimple

Pricing Pro Plan: $49.95/month
Enterprise Plan: $99.95/month
transaction fees
Features merchant account,
virtual terminal,
mobile Point of Sale (mPOS),
recurring billing,
ACH/eCheck payments,
customer management,
Appointment booking & scheduling,
developer resources,
etc
Customer Support 10:00 AM to 7:00 PM - Live Chat
Top Pros ideal for service industries,
no early termination fee,
no setup or Application fees,
good subscription & invoicing tools,
customizable payment pages,
eCheck processing offered
Top Cons doesn't fit for high-volume, card-present merchants,
doesn't fit for international merchants,
account stability issues
Overall Rating 95%

PaySimple is a simple cloud-based receivables automation service that is created specifically for small businesses. The software is intended to simplify the lives of business owners with its easy-to-setup and easy-to-use approach. It offers a full set of useful features and tools that reduce the time users spend on chasing, sorting, and monitoring payments – enabling them to channel their attention and efforts on things that matter most.

PayTrace

Pricing starts at $15.00/month
Features payment gateway,
virtual terminal,
mobile payments,
pre-integrated shopping carts,
stored customer profiles,
recurring billing,
security features,
developer features,
eCheck (ACH) processing,
etc
Customer Support 7:00 AM to 7:00 PM - Mo-Fr by phone
Top Pros month-to-month billing with no long-term contracts,
integrates with most merchant account providers and shopping carts,
supports Level II and Level III credit card data for B2B merchants
Top Cons high per-transaction processing charge under Basic pricing plan
Overall Rating 98%

PayTrace specializes in B2B transactions and is one of the few payment gateway providers that can process Level II and III credit card data. Although it's a little extra work for the merchant, this can pay for itself thanks to lower interchange rates. PayTrace began with the idea that payment systems could be better. Merchants didn't have to settle for mediocre gateways offering little to no support.

USAePay

Pricing $20.00/month - $25.00/month
Features payment gateway,
virtual terminal,
mobile payments,
shopping cart integration,
security features,
developer features,
check processing,
etc
Customer Support phone support
Top Pros secure and easy for anyone to use
Top Cons the USA ePay hardware is outdated, and the solution is to purchase third party hardware and still use their software
Overall Rating 95%

Founded in 1998 by Ben Goretsky and Alex Goretsky, USAePay is one of the industries leading payment gateway companies. We work with many merchant service banks and leading check platforms worldwide. Company has developed extensive elements that allow it's a client to do so much more — from running better reports, processing payments efficiently, improving mobility and connectivity, to decreasing fraud risk.