Independent payment processor directory
Find the processor your business will actually be approved by.
Honest comparisons of payment providers — including high-risk industries most review sites avoid. Real rates, real fees, no salesy fluff.
Processor matcher
Get three shortlisted providers in 30 seconds
Tell us your volume, the payment methods you need, your stack and your business category. We match it against every listing in the directory.
Featured processors
Editorial picks across standard and high-risk categories.
Stripe
Developer-first payments for internet businesses
- Starting rate
- 2.9% + 30¢
- Monthly fee
- $0
Square
Simple all-in-one for retail, restaurants and services
- Starting rate
- 2.6% + 10¢
- Monthly fee
- $0
Helcim
Transparent interchange-plus pricing that scales down
- Starting rate
- 0.40% + 25¢ over interchange
- Monthly fee
- $0
PaymentCloud
High-risk merchant account matchmaker
- Starting rate
- 3.5%+ (typical)
- Monthly fee
- $10–$50 (typical)
Know your risk tier before you apply
Standard risk
Ecommerce, SaaS, retail, and services with normal chargeback rates. Self-serve onboarding, flat or interchange-plus pricing, approval in days.
High risk
Adult, CBD, supplements, travel, telehealth, subscriptions. Mainstream processors will decline you — specialist acquirers approve, at higher rates.
Enterprise
Above roughly $1M/month, everything is negotiable. Direct acquirers quote interchange-plus pricing with real savings.
Declined by Stripe or Square?
It's not personal — it's the risk model. 8 specialist providers on PSPDex underwrite industries mainstream processors turn away.