Payment processors from listed companies (2026): 4 compared

Payment processors from our ranking whose company or parent group is listed on a stock exchange and files audited annual reports, in Score order. A listing is not a guarantee, but it means public, audited accounts.

Online Payment Processors 2026: Independent Ranking for Small Businesses

  1. 1

    Square

    83/100
    Online card fee
    2.9%
    Fixed fee per payment
    $0.30
    Licensed by a financial regulator
    Yes
    Payout to your bank
    1 days
    Countries for businesses
    8
    • Regulator licence with a number on the official site
    • Validated under PCI DSS as a service provider
    • Pay per transaction, with no monthly fee
    • Money reaches your bank account quickly
  2. 2

    Adyen

    72/100
    Online card fee
    Not verified
    Fixed fee per payment
    $0.13
    Licensed by a financial regulator
    Yes
    Payout to your bank
    2 days
    Countries for businesses
    Not verified
    • Regulator licence with a number on the official site
    • Validated under PCI DSS as a service provider
    • Pay per transaction, with no monthly fee
  3. 7

    PayPal (business)

    59/100
    Online card fee
    3.0%
    Fixed fee per payment
    $0.49
    Licensed by a financial regulator
    Yes
    Payout to your bank
    Not verified
    Countries for businesses
    200
    • Regulator licence with a number on the official site
    • Validated under PCI DSS as a service provider
    • Pay per transaction, with no monthly fee
  4. 8

    PayPal Braintree

    53/100
    Online card fee
    2.9%
    Fixed fee per payment
    $0.29
    Licensed by a financial regulator
    Yes
    Payout to your bank
    Not verified
    Countries for businesses
    Not verified
    • Regulator licence with a number on the official site
    • Validated under PCI DSS as a service provider