Finding the cheapest credit card processor is crucial for any business looking to maximize savings and efficiency. Aside from fixed monthly costs, processing fees can quickly add up, and choosing the least expensive credit card processing solution is essential to maintaining healthy profit margins.
In this guide, we evaluated low-cost credit card processing companies in the market and scored them based on pricing, features, support and reliability, user experience, and user reviews.
Based on our evaluation, here are the cheapest credit card processing providers for 2026:
| Best for | Monthly fee starts at | |
| Adyen | Enterprise unified commerce | $0 |
| Helcim | Cheapest overall | $0 |
| Stax | Large-volume businesses | $99 |
| PayPal | Additional payment method | $0 |
| Square | New and small businesses | $0 |
| Stripe | Online businesses | $0 |
| CardX | Surcharging | $99 |
| PaymentCloud | High-risk businesses | $10 |
Why you can trust TechnologyAdvice
My cheapest credit card processing providers recommendations are based on more than 5 years of evaluating merchant account service providers across different industries and business types. I spent hours of research comparing available features and gathering feedback from real-life users to score each one based on a 22-point criteria.
Cheap credit card processing compared
Our Score (out of 5)
Monthly Fee Starts At
Processing Fee
Chargeback Fee
Deposit Speed
Adyen
4.41
$0
Interchange + pricing
$25 (non-refundable)
1-2 business days
Helcim
4.37
$0
Interchange + (0.15% + $0.06 to 0.50% + $0.25)
$15 (refundable)
1-2 business days
Stax
4.31
$99
Interchange + (8% to 18%)
$25 (non-refundable)
1-2 business days; Instant: with fee
PayPal
4.22
$0
2.29% + $0.09 cents to 3.49% +$0. 49
$20 (non-refundable)
1-2 business days; Instant: 1.5% fee
Square
4.19
$0
2.6% + $0.15 to 3.5% + $0.15
$0 (waived up to $250)
1-2 business days; Instant: 1.75% fee
Stripe
4.10
$0
2.7% + $0.05 to 3.4% + $0.30
$15 (non-refundable)
1-2 business days; Instant: 1.5% fee
CardX
3.99
$29
0%
$0
Next business day
PaymentCloud
3.89
$10
2% to 4.3%
$25 (non-refundable)
1-2 business days
Adyen: Best enterprise unified commerce
Overall Score
4.41/5
Pricing
4.50/5
Features
4.58/5
Support and reliability
4.58/5
User experience
3.75/5
User scores
4.30/5
Pros
- Global reach and unified commerce
- Advanced fraud and risk management
- Transparent interchange-plus pricing
Cons
- Longer onboarding process
- Higher complexity
- Chargeback fees apply
Why I picked Adyen
I chose Adyen because it delivers exceptional value for larger businesses that process high volumes or operate internationally. While its pricing structure is more complex than flat-rate options like Square or PayPal, Adyen’s transparent interchange-plus model often results in lower effective processing costs for enterprises.
Unlike low-cost processors built for small merchants, Adyen combines global payment acceptance, advanced fraud prevention, and enterprise-level reliability in a single platform. For mid- to large-sized companies looking to minimize fees without sacrificing scalability or global reach, Adyen offers one of the most cost-efficient solutions available.
Adyen uses a transparent interchange-plus pricing model, meaning businesses pay the actual card network interchange rate plus a small processing markup, typically around 0.6% + interchange. There are no setup or monthly fees, and volume discounts are applied automatically as your processing increases. Chargebacks incur a $25 non-refundable fee, and standard payout times are 1-2 business days, depending on the region and currency.
Here are some of the processing fees for Adyen merchants:
| Payment method | Payment method fee | Adyen processing fee |
|---|---|---|
| American Express (AMEX) | 3.3% + $0.10 | $0.13 |
| Discover | 3.95% | $0.13 |
| Mastercard | Interchange + 0.60% | $0.13 |
| Visa | Interchange + 0.60% | $0.13 |
- Hardware: Starts at $0 using Tap to Pay on iPhone and Android
- Interchange-plus pricing: Transparent rates with automated volume discounts; no setup or cancellation fees.
- Unified commerce: One platform for online, in-person, and mobile payments with a single dashboard.
- Global & multi-currency: Accept and settle in 100+ currencies with local payment methods.
- Virtual Terminal (MOTO): Keyed payments from the browser for phone and mail orders.
- Payment Links & QR codes: Shareable Pay by Link pages that can display scannable QR codes.
- Recurring billing & tokenization: Built-in subscriptions, saved cards, and customer vault.
- Advanced fraud protection: RevenueProtect (ML + rules), 3D Secure, and robust dispute tools.
- Developer-friendly stack: Mature APIs/SDKs, webhooks, sandbox, and extensive integrations.
- Omnichannel hardware options: Android-based countertop/mobile terminals and Tap to Pay support.
- Reporting & reconciliation: Real-time insights, payout reconciliation, and exportable reports.
Helcim: Cheapest overall credit card processor
Overall Score
4.37/5
Pricing
4.75/5
Features
4.44/5
Support and reliability
3.96/5
User experience
4.75/5
User scores
3.87/5
Pros
- Interchange-plus pricing model
- Automatic volume discount
- Surcharging option
Cons
- Higher cost for Amex transactions
- Only for businesses in US and Canada
Why I picked Helcim
I like that Helcim’s fees are no fuss — no monthly, set-up, or cancellation fees. This means monthly credit card processing costs are limited to the payment processing fees. Aside from this, Helcim uses an interchange-plus pricing structure, which often incurs lower costs compared to flat-rate or tiered pricing structures. There is also an automatic volume discount, meaning the fees Helcim charges automatically decrease per transaction as you scale.
Another thing I like is Helcim’s surcharging option for passing on processing fees to customers, potentially further reducing expenses for businesses where surcharging is allowed. When I simulated processing fees for certain total monthly volumes and average transaction values, Helcim has one of the cheapest total processing fees for a total monthly transaction volume of up to around $40,000. If your business processes higher total monthly amounts than this, Stax will be a cheaper option.
| Monthly Transaction Volume | Online and Keyed-In Transaction Rates | In-Person Transaction Rates |
|---|---|---|
| $0-$50,000 | + 0.50% + $0.25 | + 0.40% + $0.08 |
| $50,001-$100,000 | + 0.45% + $0.20 | + 0.35% + $0.07 |
| $100,001-$500,000 | + 0.35% + $0.20 | + 0.25% + $0.07 |
| $500,001-$1,000,000 | + 0.25% + $0.15 | + 0.20% + $0.06 |
| $1,000,001 up | + 0.15% + $0.15 | + 0.15% + $0.06 |
- Hardware: $99-$329
- No monthly fees: No set-up, monthly, or cancellation fees, making it a cost-effective choice.
- Interchange plus pricing: Transparent pricing structure, often leading to lower costs than flat-rate or tiered pricing.
- Automatic volume discounts: Additional savings as your transaction volumes increase.
- Surcharging option: Ability to pass processing fees onto customers, reducing business expenses.
- Integrated payment solutions: Includes in-person, online, and mobile payment processing.
- Comprehensive reporting: Detailed transaction and financial reports to help manage your business.
- Customer management tools: Features like invoicing, recurring billing, and customer relationship management (CRM) tools.
- Security and compliance: PCI-DSS compliance and advanced security features to protect sensitive data.
- Gross payouts: Receive the full transaction amount upfront, with fees deducted later, simplifying reconciliation and cash flow management.
Stax: Cheapest credit card processor for large-volume businesses
Overall Score
4.31/5
Pricing
4.50/5
Features
3.75/5
Support and reliability
4.58/5
User experience
4.75/5
User scores
4.23/5
Pros
- Interchange-plus with no percentage markup
- 24/7 technical support
- Automatic updates for stored credit cards
Cons
- Monthly fee starts at $99
- Only for businesses in the US
- Some features require add-ons
Why I picked Stax
I chose Stax because it delivers some of the lowest overall processing costs for high-volume businesses, even with its higher monthly fee. Stax uses an interchange-plus pricing model with no percentage markup, meaning costs remain predictable and transparent. For businesses processing around $40,000 to $50,000 or more each month, the savings on transaction fees can quickly outweigh the platform’s monthly cost.
Beyond its pricing advantage, Stax provides robust reporting tools, detailed analytics, and seamless POS integrations, helping larger merchants manage payments more efficiently. While Helcim is best suited for smaller businesses seeking no monthly fee, Stax stands out for established companies that need enterprise-level insights and lower per-transaction costs at scale.
| Monthly Transaction Volume | Monthly Fee | Card-Present Transaction Fee | Card-Not-Present Transaction Fee |
|---|---|---|---|
| Up to $150,000 | $99 | Interchange + $0.08 | Interchange + $0.15 |
| $150,000-$250,000 | $139 | Interchange + $0.08 | Interchange + $0.15 |
| $250,000 and above | $199 | Interchange + $0.08 | Interchange + $0.15 |
- Hardware: $49–$1,799
- No percentage markup: Low interchange-plus transaction fees without any percentage markup, making it cost-effective for high-volume businesses.
- Transparent pricing: Clear and straightforward pricing model, helping businesses understand their costs easily.
- Robust analytics and reporting: Comprehensive tools for detailed financial and transaction reporting.
- Seamless POS integration: Compatibility with various POS systems for smooth and efficient operations.
- 24/7 customer support: Reliable and responsive customer service is available around the clock.
- Recurring billing and invoicing: Convenient features for managing subscription services and regular billing cycles.
- API access: Developer-friendly APIs for easy integration with existing business systems and applications.
- Automatic update to stored credit cards: Ensures stored customer credit card information is kept current, reducing transaction declines and improving customer experience.
PayPal: Cheap additional payment method
Overall Score
4.22/5
Pricing
3.75/5
Features
4.03/5
Support and reliability
4.38/5
User experience
4.75/5
User scores
4.58/5
Pros
- Quick and easy sign-up and widely popular
- Flat-rate pricing with no monthly fees
- Easy integrations
- Accepts Venmo and PayPal Pay Later
Cons
- Complicated pricing structure
- Account stability issues
- Add-on fees for virtual terminal
Why I picked PayPal
PayPal is an excellent choice for businesses looking to add a cost-effective, additional payment method. With its global recognition and trusted reputation, PayPal can help businesses increase customer trust and conversion rates. It does not charge any monthly fees and has no monthly minimum transaction volume.
I think PayPal is particularly beneficial for online transactions and international sales — it offers a secure and familiar option for customers worldwide. Most ecommerce platforms and POS systems offer one-click PayPal integrations that make it easy for businesses to add PayPal as a payment option for their customers. The ease of integration with various e-commerce platforms and POS systems makes it a convenient addition to any existing payment processing setup.
Additionally, PayPal’s robust security features and buyer protection policies benefit both businesses and customers. It also allows businesses to accept Venmo and PayPal Credit payments, which are not available through the other payment providers in this guide.
- Monthly fee: $0-$30
- PayPal Point of Sale in-person transaction fee: 2.29% + $0.09
- Online checkout transaction fee: 2.89% + $0.29
- Keyed-in transaction fee: 3.49% +$0.09
- Virtual terminal: 3.39% + $0.29
- Invoicing: 3.49% + $0.49
- QR code payments: 2.29% + $0.09
- Venmo payments: 3.49% + $0.49
- Hardware: $0-$269
- Global recognition: Trusted and widely used payment method, increasing customer confidence.
- Flat-rate pricing: Simple and predictable fees, making cost management straightforward.
- No setup or monthly fees: Cost-effective for businesses looking to add an additional payment option.
- Ease of integration: Seamlessly integrates with various ecommerce platforms and POS systems.
- Secure transactions: Advanced security measures and buyer protection policies to safeguard transactions.
- International payments: Supports multiple currencies, making it ideal for businesses with global customers.
- Customer convenience: Offers various payment methods, including credit cards, debit cards, PayPal balance, PayPal Credit, and Venmo.
Square: Best for small and new businesses
Overall Score
4.19/5
Pricing
4.23/5
Features
4.03/5
Support and reliability
3.96/5
User experience
4.5/5
User scores
4.63/5
Pros
- No starting and ongoing fees
- Instant approval
- Free magstripe reader
Cons
- Account stability issues
- Expensive for monthly processing volume higher than $10,000
- Limited customer support hours
Why I picked Square
For new and small businesses processing only up to around $10,000 or businesses with average transaction amounts of up to $50, I would say that Square is the best option for an all-in-one solution.
Its flat-rate pricing simplifies payment processing, making it easy for businesses to predict and manage their monthly costs without dealing with complex interchange fees. Square’s transparent fee structure eliminates the guesswork, allowing for straightforward financial planning.
Square offers a comprehensive suite of tools, including point-of-sale (POS) systems, invoicing, and e-commerce capabilities, all seamlessly integrated into one platform. This integration streamlines operations, allowing businesses to efficiently manage sales, inventory, and customer data in one place. Additionally, Square provides robust analytics and reporting features, offering valuable insights to help businesses make informed decisions.
With no monthly fees, Square is an attractive option for businesses that seek flexibility without long-term commitments. Its user-friendly interface and excellent customer support ensure that even those new to payment processing can easily adopt and utilize its features. For small businesses looking for an affordable, all-in-one solution, Square is a suitable choice.
| Plan | Monthly Fee | In-person Transaction Fee | Keyed-in Transaction Fee | Online Transaction Fee Square Free Plan |
|---|---|---|---|---|
| Square Free Plan | $0 | 2.6% + $0.15 | 3.5% + $0.15 | 3.3% + $0.30 |
| Square Plus Plan | $49 | 2.5% + $0.15 | 3.5% + $0.15 | 2.9% + $0.30 |
| Square Premium Plan | $149 | 2.4% + $0.15 | 3.5% + $0.15 | 2.9% + $0.30 |
- Hardware: $0-$799
- Flat-rate pricing: Simple and predictable pricing structure, ideal for businesses with low transaction volumes.
- No monthly fees: No setup, monthly, or cancellation fees, providing flexibility without long-term commitments.
- Integrated POS systems: Comprehensive point-of-sale solutions for in-person transactions.
- Ecommerce capabilities: Website builder to easily set up and manage online stores.
- Invoicing: Convenient invoicing features for efficient billing and payment collection.
- Robust analytics and reporting: Detailed insights and reports to help businesses make informed decisions.
- Inventory management: Seamless integration to track and manage inventory in real-time.
- Customer relationship management: Tools to track customer interactions and build loyalty.
- Mobile payment options: Ability to accept payments on the go with mobile devices.
- User-friendly interface and quick approval: Intuitive design and easy sign-up process that allows businesses to get started immediately.
Stripe: Best for online businesses
Overall Score
4.1/5
Pricing
3.75/5
Features
3.75/5
Support and reliability
4.38/5
User experience
4.50/5
User scores
4.53/5
Pros
- Quick instant sign-up
- Robust developer tools and powerful APIs
- Transparent pricing with no monthly fees
Cons
- Requires integration for in-person payment processing
- Account freezes
Why I picked Stripe
Stripe is the best choice for small online businesses. It offers a powerful and flexible payment processing solution. Its competitive, transparent pricing model makes it easy for businesses to predict and manage their costs.
Stripe excels in online payment processing, with extensive developer tools and APIs that allow businesses to customize their payment solutions to fit their specific needs. This flexibility is ideal for small online businesses looking to scale and adapt quickly. Additionally, Stripe supports a wide range of payment methods and currencies, making it easier for businesses to cater to a global customer base.
In my estimates of monthly costs, Stripe landed with Square for businesses that process up to around $10,000 in total monthly transaction volume and around $50 in transaction amount. If your business processes higher monthly volumes or average transaction amounts, then Helcim could be a cheaper option. However, Stripe also offers custom and volume-discounted pricing for larger businesses, upon request.
- Monthly fee: $0
- Card-present transaction fee: 2.7% + $0.05
- Online transaction fee: 2.9% + $0.30
- Recurring payments: additional 0.5% per transaction
- Invoicing: additional 0.4%-0.5% per transaction
- Hardware: $59-$249
- Transparent pricing: Competitive, straightforward pricing with no hidden fees.
- Developer-friendly tools: Extensive APIs and developer resources for custom payment solutions.
- Seamless integration: Easily integrates with various ecommerce platforms and business applications.
- Global payment support: Accepts a wide range of payment methods and currencies, ideal for international sales.
- Advanced security: PCI-DSS compliance and advanced security measures to protect transactions.
- 24/7 customer support: Reliable support to assist with any issues or questions.
CardX: Best for zero-cost credit card processing
Overall Score
3.99/5
Pricing
4.75/5
Features
3.47/5
Support and reliability
3.96/5
User experience
4.75/5
User scores
3.0/5
Pros
- Fully compliant automatic surcharging (where permitted)
- No-cost credit card processing
- Quick integration with ecommerce websites
Cons
- Limited hardware options
- Only available for businesses in specific locations
- Higher monthly fees at higher monthly transaction volume
Why I picked CardX
If your business is located in one of the 48 states that CardX serves and you want free credit card payment processing, I think CardX is the best choice for zero-cost credit card processing. It offers businesses a unique solution to eliminate processing fees entirely by passing the processing costs to the customer through surcharges. This can significantly enhance profit margins, especially for businesses with high transaction volumes.
CardX provides a surcharging solution that’s fully compliant with all state and federal regulations to ensure that businesses can confidently implement this zero-cost solution. Businesses can also expect training and signage that will make it easier for them to implement surcharging for their business.
- Starts at $99 per month
- Actual monthly fee will depend on the monthly transaction volume
- Hardware: $375-$540
- Zero-cost credit card processing: Eliminates credit card processing fees by passing costs to customers via surcharges.
- Fully compliant: Adheres to all state and federal regulations for surcharging in 48 states plus the District of Columbia.
- Transparent pricing: Clear and straightforward pricing model with no hidden fees.
- Ecommerce integration: Easy-to-generate payment button that allows you to link a checkout page to your website.
- Virtual terminal: Process credit card payments with zero cost through your virtual terminal.
- Billing and invoicing: Accept credit card payments with surcharging by creating and sending one-time or recurring invoices.
- Fraud protection: PCI-DSS compliance and robust security features to protect transactions.
PaymentCloud: Best for high-risk business
Overall Score
3.89/5
Pricing
3.50/5
Features
3.47/5
Support and reliability
4.38/5
User experience
4.25/5
User scores
4.13/5
Pros
- Supports high-risk business
- Free card reader
- High approval rate
Cons
- Pricing is not publicly disclosed
- Longer application and approval process
- Higher fees for high-risk businesses
Why I picked PaymentCloud
I always recommend PaymentCloud as the best choice for high-risk businesses, offering specialized services and solutions tailored to these industries. None of the other providers included in this guide offer support for high-risk businesses, while PaymentCloud excels at navigating the complexities and challenges associated with high-risk payment processing.
The pricing is not readily available on the website, especially since actual processing rates depend on the business’s risk status. Despite the seeming lack of readily available fees, PaymentCloud’s range of rates is cost-effective, and it has a high approval rate for all kinds of businesses. Additionally, PaymentCloud’s expertise in fraud prevention and chargeback management helps high-risk businesses mitigate potential risks and protect their revenue.
Like most high-risk merchant account providers, the application and setup process can take longer than that for low-risk businesses. But PaymentCloud’s dedicated support team ensures that high-risk businesses receive personalized assistance throughout the application and set-up process.
- Monthly fee: $10-$45
- Low-risk transaction fee: 2%-3.1%
- Mid-risk transaction fee: 2.3%-3.4%
- High-risk transaction fee: 2.7%-4.3%
- Virtual terminal fee: $15-$45 per month
- Hardware: $0-$2,068
- Specialized high-risk services: Tailored solutions for businesses in high-risk industries.
- Extensive experience: Proven track record in managing high-risk business accounts.
- Fraud prevention and chargeback management: Tools and support to mitigate risks and protect revenue.
- Competitive pricing: Wide range of rates but relatively cost-effective for high-risk businesses.
- High approval rate: Strong approval rates for various high-risk business types.
- Dedicated support team: Expert assistance to help navigate the complexities of high-risk payment processing.
- Seamless integration: Easy integration with various e-commerce platforms and business applications.
How to lower credit card processing fees
Lowering credit card processing fees is essential for maximizing your business’ profitability. Aside from looking for the cheapest credit card processors, there are effective strategies that will help you save on credit card processing fees.
Negotiate with providers
Discuss your rates with your payment processor to see if you can secure a better deal based on your transaction volume. While some processors, such as our cheapest option in this guide, Helcim, provide automatic volume discounts, other options, such as Stripe and Square, also offer volume discounts upon request.
Additionally, if you receive a quote for a lower rate, ask your current processor if they’ll match it.
Consider interchange-plus pricing
It’s no surprise that when considering just the monthly and credit card processing fees, the cheapest credit card processing options in this guide, Helcim and Stax, both offer interchange-plus pricing. This pricing model can often be more cost-effective than flat-rate or tiered pricing, especially for higher transaction volumes.
Reduce chargebacks
Aside from the chargeback fees that most processors charge, you will also lose revenue from sales and transaction fees, which are typically not returned to the business in the event of a chargeback. Implementing fraud prevention measures and choosing a provider with strong fraud protection tools will help minimize chargebacks.
Use surcharging
If it is legal in your state to pass on credit card fees to your customers and you are willing to have your customers shoulder the processing fees, choose a credit card processor that allows surcharging. While CardX offers a fully compliant surcharging program, other providers in this guide, such as Helcim, Stax, and Stripe, also allow surcharging.
Review your card processing fees regularly
As your business grows, regularly review your credit card processing fees. The cheapest credit card processor will often depend on your business volume.
Based on the estimates we made for the providers in this guide, Stripe and Square offer the most cost-effective rates for small businesses with low monthly transaction volumes and whose typical transaction amount is just around $50 and below. If your business processes higher volumes and amounts than these, Helcim and Stax will be better options.
Regularly reviewing your fees will allow you to determine whether it is time to switch to a different provider or re-negotiate with your current one.
Encourage other payment methods
The cheapest credit card processing is no processing at all. This means encouraging your customers to use other payment methods that will incur lower to no fees for you, such as cash payments or ACH payments.
Which is the cheapest?
The cheapest credit card processing provider depends on your business size, monthly volume, and where you operate.
For new or small businesses processing up to about $10,000 per month, Square and Stripe remain cost-effective choices thanks to their no-monthly-fee, flat-rate pricing models and easy setup.
For businesses processing between $10,000 and $40,000 per month, Helcim offers the best value with its transparent interchange-plus pricing, automatic volume discounts, and no monthly fees.
If your company processes more than $40,000 to $50,000 monthly, Stax becomes the most economical option overall. Its interchange-plus structure with no percentage markup keeps per-transaction costs low enough to offset its higher monthly fee.
For larger, multi-location, or international businesses, Adyen delivers the best combination of global reach and long-term cost efficiency through direct acquiring, automated volume discounts, and enterprise-level fraud protection.
Finally, if you operate in a state where surcharging is permitted and want to eliminate credit card fees entirely, CardX offers a fully compliant, zero-cost processing solution by passing fees to customers.
FAQs
