Best Online Payment Processing Services of 2022

These payments processors will help you make the most of your online business.
May 12, 2022

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The best online payment processing services for your e-commerce business or online store come with competitive rates for online sales, useful integrations with accounting and e-commerce platforms, and solid customer support. Here are our top picks.

Shopify: Best overall

Price: Monthly fee starting at $9 per month. Processing fees: 2.9% plus 30 cents for online transactions. Supported payments: Online, in-person and recurring payments. Integrations: Accounting software, including QuickBooks; marketing apps, including MailChimp; and e-commerce sites like WooCommerce.

Pros

  • Transparent transaction fees.

  • In-person and recurring payment options.

  • 24/7 live phone and chat support.

  • Online store setup included with plans.

  • Point-of-sale, or POS, features, including inventory management for multiple locations, discounts, customer profiles and reporting.

Cons

  • Paid monthly plans required.

  • Different POS features for each plan.

Why we like it: Shopify's setup offers a good foundation for e-commerce businesses. It pulls ahead of the competition with plans that start at $9 per month, competitive transaction fees, 24/7 customer support and the ability to create an online store with strong analytics.

Amazon Pay: Best for streamlined checkout

Price: Pay-as-you-go pricing. Processing fees: 2.9% plus 30 cents for web and mobile orders; 4% plus 30 cents for Alexa voice orders. Supported payments: Online and recurring payments. Integrations: Shopping carts, including 3dcart, BigCommerce, OpenCart, Shopify and WooCommerce.

Pros:

  • No monthly fee.

  • Transparent transaction rates.

Cons:

  • No ability to scale to in-person payments.

  • Higher processing fees for Alexa-based orders.

  • Website hosting isn't included.

  • No proprietary POS.

  • Customer service is through the website only.

Why we like it: Amazon Pay lets consumers pay small businesses using the payment information saved on their Amazon accounts. This eliminates the need for new customers to enter their payment details, which can speed up the checkout process, and provides payment security associated with the Amazon name. Adding the Amazon Pay button to your existing website is also relatively easy.

Stripe: Best for API customization

Price: Pay-as-you-go pricing. Processing fees: 2.9% plus 30 cents per transaction, or custom. Supported payments: Online, in-person and recurring billing. Integrations: Accounting software like Xero, e-commerce platforms like WooCommerce, and inventory apps like Shopventory.

Pros

  • No monthly fees.

  • Transparent transaction fees.

  • In-person and recurring payment options.

  • 24/7 customer support with email, chat and phone options.

  • Alternatives to website, including payment page.

Cons

  • No online store hosting or support.

  • Limited POS features that rely on third-party apps.

  • Requires technical expertise.

Why we like it: Stripe makes it easy to customize the payment process to fit your business. With extensive documentation and a system designed for developers, you can tweak Stripe’s interface to give your customers a branded checkout experience within your own application.

Stripe

Stripe
Shop Now

on Stripe's website

Square: Best for selling via social channels

Price: Pay-as-you-go pricing. Processing fees: 2.9% plus 30 cents per online transaction. Supported payments: Online, in-person and recurring billing. Integrations: Accounting software such as QuickBooks Online, e-commerce platforms such as WooCommerce, and marketing platforms such as Mailchimp and Linktree.

Pros

  • No monthly fees.

  • Transparent transaction fees.

  • In-person and recurring payment options.

  • Customer support Monday through Friday for free plans and 24/7 for premium accounts.

  • Free online store setup.

  • POS features, including customer directory, reporting and inventory management.

Cons

  • Paid plans required for advanced POS features.

Why we like it: Square charges simple, flat-rate processing fees and integrates with several platforms, allowing you to make online sales through multiple channels. For example, with a Mailchimp integration, you can use the email platform to create landing pages for selling items and accepting payments. Square can also connect with your shoppable Instagram posts, allowing you to sell through the social media platform.

Square Payment Processing

Square
Shop Now

on Square's website

BlueSnap: Best for splitting payments with other vendors

Price: Pay-as-you-go pricing. Processing fees: 2.9% plus 30 cents or customized rates for large-volume businesses. Supported payments: In-person, online and recurring payments. Integrations: Shopping carts, including BigCommerce, Magento, WooCommerce and WordPress; marketing services, including HubSpot; and analytics systems, including Google Analytics.

Pros:

  • No monthly fee.

  • Transparent transaction fees.

  • In-person and recurring payment options.

  • Customer support by phone, message and chat.

Cons:

  • No online store hosting.

  • No proprietary POS.

Why we like it: For businesses that have revenue-sharing contracts with vendors, BlueSnap could be a good option. Instead of having to wait for a payment to hit your bank account and then sending a portion to another vendor for a commission, you can set up the vendor to automatically receive its portion when the payment is received.

Clover: Best for integrations

Price: Pay-as-you-go pricing. Processing fees: 3.5% plus 10 cents per online transaction. Supported payments: Online, in-person and recurring billing. Integrations: Accounting software, including QuickBooks; payroll services, including Gusto and Paychex; operations management such as Shopventory; and e-commerce software, including Ecwid and BigCommerce.

Pros

  • No monthly payment for e-commerce plans.

  • Transparent transaction fees.

  • In-person and recurring payment options.

  • Customer support by phone.

  • POS features, including customer profiles, loyalty program and staff management.

Cons

  • Paid plans required for advanced POS features with card readers.

Why we like it: Clover integrates with e-commerce apps Ecwid and BigCommerce. It also syncs employee information across platforms like Gusto, Paychex and QuickBooks for accounting. Some apps automatically update when you change information in Clover, so you only have to change information once.

Clover

Clover
Shop Now

on Clover's website

Adyen: Best for omnichannel commerce

Price: Pay-as-you-go pricing. Processing fees: Interchange-plus fees, which vary by transaction. Supported payments: Online, in-person and recurring payments. Integrations: Shopping carts, including BigCommerce, Magento 2 and WooCommerce.

Pros:

  • Potentially lower rates than flat-rate fee competitors, depending on card network interchange fees.

  • In-person and recurring payment options.

  • Proprietary POS dashboard.

Cons:

  • Minimum transaction requirement to avoid an additional fee.

  • No live customer support.

  • No online store hosting.

Why we like it: In addition to solid payment processing options, Adyen also offers an omnichannel commerce tool, Unified Commerce, that can help you combine data from both online and offline sources for better data insights. For businesses that also have in-store sales, this is a great feature.

PaymentCloud: Best for high-risk merchants

Price: Starts at $10 per month. Processing fees: Quote-based. Supported payments: Online, in-person and recurring payments. Integrations: Shopping cart integrations, including Shopify, WooCommerce and BigCommerce.

Pros

  • In-person and recurring payment options.

  • For high-volume, low-risk businesses, rates can be lower than the company's standard rates.

  • Customer support by phone or website message.

Cons

  • Monthly fee required.

  • No transparent fees.

  • No online store hosting or support.

  • No proprietary POS system.

Why we like it: PaymentCloud offers services for high-risk merchants that might otherwise struggle to find payment processors. Working with businesses in multiple high-risk industries, such as CBD and supplement distribution, makes the company a competitive option.

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