✅ Fact-checked and reviewed
NerdWallet's content is fact-checked for accuracy, timeliness, and relevance by humans. It undergoes a thorough review process involving writers and editors to ensure the information is as clear and complete as possible. Learn more by checking our Editorial Guidelines.
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
75+ categories of best business software selections.
Objective and comprehensive payment processing ratings rubric . (
You’re our first priority.
Every time.
We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.
So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners .
✅ Fact-checked and reviewed
NerdWallet's content is fact-checked for accuracy, timeliness, and relevance by humans. It undergoes a thorough review process involving writers and editors to ensure the information is as clear and complete as possible. Learn more by checking our Editorial Guidelines.
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
75+ categories of best business software selections.
Objective and comprehensive payment processing ratings rubric . (
You’re our first priority.
Every time.
We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.
So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners .
| Product | Best for | NerdWallet rating | Payment processing fees | Monthly fee | Learn more |
|---|---|---|---|---|---|
 Helcim on Helcim's secure website | High-volume businesses | In-person: 0.4% + $0.08 Online: 0.5% + $0.25 Plus interchange | $0 | on Helcim's secure website | |
 Square POS on Square POS's secure website | Brick-and-mortar retail stores | In-person: 2.6% + $0.15 Online: 2.9% + $0.30 | $0 and up. | on Square POS's secure website | |
 Stripe on Stripe Payments' secure website | Subscription-based businesses | In-person: 2.7% + $0.05 Online: 2.9% + $0.30 | $0 | on Stripe Payments' secure website | |
 Chase Payment Solutions℠ on Chase Payment Solutions℠'s secure website | Built-in banking partner | 4.5
/5
| In-person: 2.6% + $0.10 Online: 2.9% + $0.25 | $0 for in-person payments; $9.95 and up for e-commerce payments. | on Chase Payment Solutions℠'s secure website |
 U.S. Bank Merchant Services on U.S. Bank Merchant Services' secure website, Member FDIC | Fast deposits | In-person: 2.6% + $0.10 Online: 2.9% + $0.30 | $0 and up. | on U.S. Bank Merchant Services' secure website, Member FDIC | |
 National Processing on National Processing's secure website | Free terminal | In-person: 2.5% + $0.10 Online: 2.9% + $0.30 | $15 for Basic In-Person Package. | on National Processing's secure website | |
 Payment Depot on Payment Depot's secure website | Tailored interchange-plus rates | 0.2% + $0.00 to 1.95%, plus interchange. | $0 | on Payment Depot's secure website | |
 Finix on Finix's secure website | Quickly growing businesses | 4.8
/5
| In-person: 0% + $0.08 Online: 0% + $0.15 Plus interchange | $79 and up. | on Finix's secure website |
 Shopify Retail POS on Shopify POS's secure website | Online retail businesses | In-person: 2.6% + $0.10 Online: 2.9% + $0.30 | $39 and up for e-commerce plans with POS Lite; Can upgrade to POS Pro for an extra $89. | on Shopify POS's secure website | |
 Toast POS on Toast POS's secure website | Full-service restaurants | 2.49% + $0.15 if you buy hardware upfront; 3.09% + $0.15 for pay-as-you-go option. | $0 Starter Kit; $69 Point of Sale plan; custom Build Your Own plan. | on Toast POS's secure website | |
 PaymentCloud on PaymentCloud's secure website | High-risk businesses | 2.4% + $0.10 to 3.5% + $0.25 on average. | $0 to $50. | on PaymentCloud's secure website | |
 Dharma Merchant Services | Nonprofits | In-person: 0.15% + $0.08 Online: 0.2% + $0.11 Plus interchange | $20 for most industries; $15 for nonprofits. |
Plus interchange
on Helcim's website
Pros
Cons
Helcim
Best for High-volume businesses
Plus interchange
on Helcim's website
Pros
Cons
and up.
on Square's website
Pros
Cons
Square POS
Best for Brick-and-mortar retail stores
and up.
on Square's website
Pros
Cons
on Stripe's website
Pros
Cons
Stripe
Best for Subscription-based businesses
on Stripe's website
Pros
Cons
for in-person payments; $9.95 and up for e-commerce payments.
on Chase's website
Pros
Cons
Chase Payment Solutions℠
Best for Built-in banking partner
for in-person payments; $9.95 and up for e-commerce payments.
on Chase's website
Pros
Cons
and up.
on U.S. Bank's website, Member FDIC
Pros
Cons
U.S. Bank Merchant Services
Best for Fast deposits
and up.
on U.S. Bank's website, Member FDIC
Pros
Cons
for Basic In-Person Package.
on National Processing's website
Pros
Cons
National Processing
Best for Free terminal
for Basic In-Person Package.
on National Processing's website
Pros
Cons
to 1.95%, plus interchange.
on Payment Depot's website
Pros
Cons
Payment Depot
Best for Tailored interchange-plus rates
to 1.95%, plus interchange.
on Payment Depot's website
Pros
Cons
Plus interchange
and up.
on Finix's website
Pros
Cons
Finix
Best for Quickly growing businesses
Plus interchange
and up.
on Finix's website
Pros
Cons
and up for e-commerce plans with POS Lite; Can upgrade to POS Pro for an extra $89.
on Shopify's website
Pros
Cons
Shopify Retail POS
Best for Online retail businesses
and up for e-commerce plans with POS Lite; Can upgrade to POS Pro for an extra $89.
on Shopify's website
Pros
Cons
if you buy hardware upfront; 3.09% + $0.15 for pay-as-you-go option.
Starter Kit; $69 Point of Sale plan; custom Build Your Own plan.
on Toast's website
Pros
Cons
Toast POS
Best for Full-service restaurants
if you buy hardware upfront; 3.09% + $0.15 for pay-as-you-go option.
Starter Kit; $69 Point of Sale plan; custom Build Your Own plan.
on Toast's website
Pros
Cons
to 3.5% + $0.25 on average.
to $50.
on PaymentCloud's website
Pros
Cons
PaymentCloud
Best for High-risk businesses
to 3.5% + $0.25 on average.
to $50.
on PaymentCloud's website
Pros
Cons
Plus interchange
for most industries; $15 for nonprofits.
Pros
Cons
Dharma Merchant Services
Best for Nonprofits
Plus interchange
for most industries; $15 for nonprofits.
Pros
Cons
Learn more