Payment processors with no monthly fee (2026): 7 compared

Payment processors from our ranking that charge no monthly fee, in Score order. With no fixed monthly cost you pay only when you are paid, which suits a new or small online store. Compare the fee per payment and the chargeback fee too.

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. 3

    Stripe

    70/100
    Online card fee
    2.9%
    Fixed fee per payment
    $0.30
    Licensed by a financial regulator
    Yes
    Payout to your bank
    3 days
    Countries for businesses
    51
    • 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. 4

    Mollie

    67/100
    Online card fee
    1.8%
    Fixed fee per payment
    $0.28
    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
    • Low standard fee for online card payments
    • Validated under PCI DSS as a service provider
    • Pay per transaction, with no monthly fee
  5. 5

    Razorpay

    65/100
    Online card fee
    2%
    Fixed fee per payment
    $0.00
    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
    • Low fixed fee per payment
    • Pay per transaction, with no monthly fee
  6. 6

    SumUp

    62/100
    Online card fee
    3.5%
    Fixed fee per payment
    $0.15
    Licensed by a financial regulator
    Yes
    Payout to your bank
    1 days
    Countries for businesses
    38
    • Regulator licence with a number on the official site
    • Pay per transaction, with no monthly fee
    • Money reaches your bank account quickly
  7. 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