Updated October 2026 · 8 compared
8 payment processors compared across 27 head-to-heads.
Every matchup is scored round by round on what matters most: what customers say on trustpilot, the fixed fee on every sale, what it costs just to have an account, taking bank (ach) payments.
Ranked by overall score
Pick Helcim if you want Helcim's edge on what customers say on trustpilot and the fixed fee on every sale.
Pick PayPal Enterprise Payments if you want PayPal Enterprise Payments's edge on the extra charge on foreign cards and taking bank (ach) payments.
Pick Adyen if you want Adyen's edge on the fixed fee on every sale and how many currencies you can charge in.
Pick Square if you want Square's edge on what customers say on trustpilot and what a lost chargeback costs.
Pick Stripe if you want Stripe's edge on what an online card sale costs and the fixed fee on every sale.
Pick Authorize.Net if you want Authorize.Net's edge on taking bank (ach) payments.
Pick Worldpay if you want Worldpay's edge on what customers say on trustpilot and how many ways customers can pay.
Pick PayPal if you want PayPal's edge on what a tap or swipe in store costs.
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| 1HelcimScore 7.2 | 4 out of 5 | 25¢ (keyed & online) | No monthly fee | 0.5% + 25¢ (capped at $6) | $15 if lost ($0 if won) | Next business morning (free) | — | 3.9 out of 5 | 5–1 | 83 % | 56 % | |
| 2PayPal Enterprise PaymentsScore 6.8 | 1.5 out of 5 | 29 cents | — | 0.75% (capped at $5) | $15 | — | 2.89% | 4.1 out of 5 | 4–2–1 | 67 % | 44 % | |
| 3AdyenScore 6.7 | 1.3 out of 5 | 13¢ processing fee | No monthly fee | — | — | 1-2 days | — | 4.4 out of 5 | 4–3 | 57 % | 36 % | |
| 4SquareScore 6.6 | 3.7 out of 5 | 30¢ per online sale | $0/month (Square Free) | 1% ($1 min, via invoice) | No chargeback fee | Next business day (free) | 3.3% + 30¢ (Square Free) | 4.6 out of 5 | 5–2 | 71 % | 45 % | |
| 5StripeScore 6.6 | 1.6 out of 5 | 30 cents | No monthly fee | 0.8% ($5 cap) | $15 per dispute (+$15 if contested) | 2 business days | 2.9% | 4.5 out of 5 | 2–5 | 29 % | 36 % | |
| 6Authorize.NetScore 6.6 | 1.6 out of 5 | 30 cents | $25 | 0.75% (eCheck add-on) | Not stated | Varies by provider (3-5 business days typical) | 2.9% | 4.3 out of 5 | 3–4 | 43 % | 40 % | |
| 7WorldpayScore 6.4 | 4.2 out of 5 | — | — | — | — | — | — | 4 out of 5 | 2–3–1 | 40 % | 36 % | |
| 8PayPalScore 6.0 | 1.4 out of 5 | 49 cents | No monthly fee | 1% capped at $10 (invoices) | $20 chargeback fee | 1-3 business days | 3.49% | 4.6 out of 5 | 1–6 | 14 % | 26 % |
27 round-by-round comparisons — here are the top-ranked match-ups
vsPayPal Enterprise Payments vs Helcim→vsAdyen vs Helcim→vsAdyen vs PayPal Enterprise Payments→vsSquare vs Helcim→vsSquare vs PayPal Enterprise Payments→vsStripe vs Helcim→vsStripe vs PayPal Enterprise Payments→vsSquare vs Adyen→vsAuthorize.Net vs Helcim→How these are scored: our ranking method. We may earn a commission from links on this page — disclosure.