Small Business Card Payments: Your Best Options (2024)

Mike Renaldi

Finding the right provider to accept card payments can be overwhelming, as the industry is full of providers offering their services to small businesses.

In this article, we’ll explore some of the best card payment for small business providers and help you decide which option suits your business.

We'll also talk about how the Wise Business account could help you save on while sending and receiving overseas transactions.

Get a Wise Business account >>

Table of contents

Best Small Business Card Payments Options

Without further ado, here are our picks for the top twenty credit card payment options for small businesses. For each option, we’ll go through key features and pricing.

Wise Business: An International Payment Option

Wise Business is here to provide a quality account that not only lowers your fees but also helps you run your business more efficiently. Let's take a look at some of the key parts of the Wise Business account.

The Wise International Business Advantage:

Send payments

Wise helps you send payments instantly, transparently, and safely. With Wise, you can send and receive international payments in 40+ currencies, all at the touch of a button. This is especially useful for businesses and freelancers with an international reach.

The process is so easy that you only need a few details to send money to your recipient's account—no mysterious codes or complex steps. The money also gets there quickly, often more quickly than via most other providers.

Receive payments

Wise Business also lets you receive payments in multiple currencies. With a Wise Business account, you'll get unique account details for global currencies, including USD, GBP, EUR, CAD, AUD, JPY, and more. This way, your clients can pay you just like they pay a local business, and there's no need for costly fees on your end to receive your hard-earned funds.

Pricing for service

Wise keeps their pricing transparent. Find a list of fees here.

There's no subscription cost for opening or maintaining a Wise Business account. For each transaction, you'll pay a small, flat fee and a percentage of the amount converted. The exact cost can vary depending on the currency route, but you'll still be saving when sending money abroad.

Get a Wise Business account >>

1. Square

Square is a financial service that provides card payment solutions for small business and tools to manage their finances.¹

Key Features

  • Accept cards and eGift cards
  • Manage inventory and customer information
  • Send digital receipts
  • Receive funds instantly (at an extra cost) or the next business day
  • Access to sales reporting and analytics
  • Square support via phone or email
  • Take contactless payments via your smartphone


POS AppFree
Monthly Fees$0
Tap, Dip, or Swipe Fee2.6% + $0.10
Square Reader

(for tap or dip transactions)

Square Stand

(for tap, dip, or swipe transactions)


2. Adyen

Adyen is a global payment technology company that offers businesses a seamless and secure way to accept payments from customers worldwide.

Key Features²

Adyen allows customers to make payments via pre-built solutions for

  • Your website
  • Your iOS app
  • Your Android app
  • Your cross-platform app
  • Point of Sale

They also allow you to make customizable options, like

  • API only/build your own UI
  • Pay by Link


Adyen’s standard processing fee is $0.11 per transaction plus an additional fee determined by the card company.

3. Apple Pay

Apple Pay is a financial service that allows users to make payments using their Apple devices such as iPhone, iPad, or Apple Watch.⁴

Key Features

  • Easy integration through e-commerce platforms or payment service providers
  • Available for apps, on the web, or even through iMessage
  • Order tracking in Apple Wallet
  • Sandbox testing pre-implementation
  • Tools to help you optimize your checkout process


Apple Pay is free to use, but it does encourage users to use an e-commerce platform or payment service provider, which can result in additional fees. You will also be expected to pay the fees associated with each card company. You can learn more about Apple Pay pricing and general information here.


4. Authorize.Net is a leading payment gateway service that enables businesses to securely accept credit and debit card payments online.

Key Features⁵ allows customers to make payments via

  • eCommerce
  • eCheck
  • Point of sale
  • Mobile payments
  • Phone payments

They also have tools to help you manage your billing needs.

Pricing⁶ offers two pricing options:

All-In-One Option: Monthly Gateway$25
Transaction Fee2.9% + $0.30/transaction
Payment Gateway Only: Monthly Gateway$25
Transaction Fee$0.10/transaction + $0.10 daily batch fee

5. PayPal

PayPal is an online payment platform that allows users to send and receive money securely through the Internet.

Key Features⁷

  • Online checkout
  • Installment payments
  • Invoicing
  • POS system
  • Payments via card or services
  • Integrated solutions for accounting, marketing, and more
  • AI-powered fraud prevention


Online Credit/Debit Card Transaction Fee2.59% + $0.49/transaction
PayPal Zettle POS Credit/Debit Card Transaction Fee2.29% + $0.09/transaction
PayPal Digital Payments Transaction Fee3.49% + $0.49/transaction
PayPal QR Code Fee2.29% + $0.09/transaction

6. Braintree

Braintree is a financial service that provides companies with the tools to accept payments online and in-app.⁹

Key Features

  • Merchant account and payment gateway
  • Basic fraud tools
  • Data encryption through the Braintree Vault
  • Support via phone and email
  • Data migration assistance
  • Reporting
  • Recurring billing
  • Third-party integrations
  • Advanced fraud tools
  • Integration support
  • Interchange plus pricing options


Card and Digital Wallet Transaction Fee2.59% + $0.49/transaction
PayPal and PayPal Credit TransactionsSubject to PayPal pricing
Venmo Transaction Fee3.49% + $0.49/transaction
ACH Direct Debit Transaction Fee0.75%/transaction

7. 2Checkout/Verifone

2Checkout/Verifone is a financial service that provides secure and convenient payment processing solutions for businesses of all sizes.¹⁰

Key Features

  • Sell in 200 countries/territories
  • Integrate with any of over 120 carts
  • Ability to scale up for international growth
  • Freedom of product selling
  • Access to recurring billing


2Checkout/Verifone offers three pricing plans:

2Sell3.5% +$0.35/sale
2Subscribe4.5% + $0.45/sale
2Monetize6.0% + $0.60/sale

Each includes the services listed above, while 2Subscribe and 2Monetize offer additional features. You can learn about those here.

8. Helcim

Helcim is a modern financial service that offers businesses and individuals a streamlined way to manage their money.¹¹

Key Features

Helcim allows customers to pay via

  • Keyed and over the phone
  • Contactless payment
  • Online payment

They also offer

  • Virtual terminal
  • Invoicing
  • Subscription manager
  • Custom rates


Helcim provides custom rates for their customers, but here is the average cost you can expect for transactions:

In-Person Transaction Fee1.93% + $0.08
PIN-Debit Rate0.91% + $0.08
Keyed & Online Transaction Fee2.49% + $0.25

9. Amazon Pay

Amazon Pay is a digital payment service provided by Amazon that allows customers to make purchases and complete transactions securely using their existing Amazon accounts.¹²

Key Features

  • Amazon customers can pay you without creating a new account or entering info
  • Increases conversions
  • Lowers cart abandonment
  • Tools to help you grow and optimize


In Amazon’s own words: “Amazon Pay fees are transaction-based and have a processing and authorization component. The transaction fee is composed of a domestic processing fee and an authorization fee, plus tax where applicable. These fees are only charged once the purchase is successfully authorized and processed.”

10. WePay

WePay is a digital payment platform that allows users to send and receive money securely online.¹³

Key Features

  • Tailored solutions
  • Scalable relationships
  • End-to-end financial services
  • Complete suite of payment solutions
  • Best-in-class integrated payment solutions
  • Easy-to-integrated APIs
  • Maximized and expanded revenue


WePay has not made their pricing structure available to the general public.


11. is a leading digital payment platform that provides secure and seamless financial transactions for businesses and consumers worldwide.

Key Features¹⁴ allows customers to pay via

  • Debit and credit card online
  • Subscription payment
  • Mobile payment with major credit and debit cards

Pricing¹⁵ offers pricing structures to their customers that are:

  • Fully Flat-Rate
  • Free for Charities
  • Simple Interchange++ Fees

These pricing structures are tailored to company inquiries, however, so we cannot give you a baseline.

12. Dwolla

Dwolla is a financial service that allows users to send, receive, and manage money securely online.

Key Features¹⁶

  • Developer-friendly API
  • Use multiple funds flows and payment methods
  • Highly scalable platform without payment interruption
  • Both API technology and human support
  • Over 10 years of experience as a trusted A2A payment provider


Dwolla offers two pricing plans for their services:

  • Connect
  • Premium Support

However, the pricing for these plans is not readily available to the public.

13. CyberSource

CyberSource is a financial service that provides secure and reliable electronic payment solutions for businesses of all sizes.¹⁸

Key Features

Cybersources allows customers to pay via

  • Online options, like
  • Debit and credit cards
  • Apple Pay
  • PayPal
  • Visa Click to Pay
  • Point of Sale (in-person credit and debit card)
  • Billing subscription
  • Phone orders
  • E-check

They also offer

  • Advanced fraud protection
  • Customer data security
  • Automatic monthly updates to card information
  • Invoicing


Cybersource has not made its pricing structure available to the general public.

See the Best Banks for Small Businesses >>

14. Payoneer

Payoneer is a global financial service company that enables businesses and individuals to send and receive payments in over 200 countries and regions.

Key Features¹⁹

  • Request payments overseas
  • Create local receiving accounts
  • Seamless marketplace integrations with 2,000 marketplaces, networks, and platforms
  • Accept credit card payments on your personal website
  • 0% currency conversion fees on USD and EUR transactions


Get Paid by Another Payoneer CustomerFree (in most currencies)
Get Paid via Credit Card3%
Get Paid via ACH Bank Debits1%
Get Paid by Marketplaces or NetworksSet by marketplaces and networks
Get Paid via Receiving AccountsFree (in most currencies)

May be subject to a minimum fee

15. Zettle

Zettle is PayPal’s point-of-sale solution that enables businesses of all sizes to accept in-person payments securely and efficiently.

Key Features²¹

Zettle allows customers to make payments through POS systems like

  • Contactless phone payments
  • Flexible card readers
  • All-in-one terminals


Card Reader$29 for first

$79/reader after

Card-present Transactions2.29% + $0.09/transaction
Manual Card Entry Transactions3.49% + $0.09/transaction
QR Code Transactions2.29% + $0.09/transaction
Invoicing (PayPal Payments)3.49% + $0.49/transaction
Invoicing (Cards and Alternative Payment Methods)2.99% + $0.49/transaction


16. PayU

PayU is a digital financial service that provides secure and convenient online payments for businesses and consumers.

Key Features²³

PayU is an exciting new platform that is currently based predominantly in India. While they have not branched out to the U.S. yet, we’ll give you an overview of their features and pricing should you find use for their services:

  • Over 150 payment modes, including
  • Credit card
  • Debit card
  • Net banking
  • EMLs
  • BNPL
  • UPI
  • Accepts international payments
  • Affordable options to fuel business growth
  • High industry success rates
  • One-click payments
  • Send refunds within five minutes of a request being made
  • Automated payment collection
  • Customized subscription plans for customers


Visa, Mastercard, Net Banking, BNPL, and Wallets Transactions2%
Diners, American Express, EMI, and International Transactions3%
Business Plus Plan₹1,121
Business Premium Plan₹1,770

17. GoCardless

GoCardless is a secure and reliable online payment platform that allows businesses to easily collect recurring payments from customers.

Key Features²⁵

  • Two-minute online setup process for payments

  • Transparent pricing for customers

  • Email notifications on pricing changes or charges

  • Automated to prevent forgetfulness or hassle

  • Fully protected payments for customers

  • Offering no transaction fees for the first 90 days


GoCardless offers three pricing plans:

Standard0.5% +$0.05/transaction, capped at $5 \
1.5% + $0.05/international transaction
Advanced0.75% + $0.05/transaction, capped at $6.25 \
1.75% + $0.05/international transaction
Pro0.9% + $0.05/transaction, capped at $7 \
1.9% + $0.05/international transaction

You can also opt-in for customization options that are not included, which will cost you an additional $25-$75.

18. Klarna

Klarna for business is a financial service that offers flexible payment options and streamlined checkout processes for businesses.²⁷

Key Features

  • Buy now pay later products

  • Pay in 4

  • Pay in 30 days

  • Financing

  • Partnership marketing

  • Suitable and adaptable to businesses of all sizes

  • Increases average order value and conversions

  • Attracts new customers


Klarna has not made their pricing structure available to the general public. However, they make sure users know that their solutions are tailored to businesses either above or below $3 million in sales.

19. BitPay

BitPay is a global payment platform that enables businesses and individuals to send, receive, and store digital currencies.

Key Features²⁸

  • Cash settlements
  • Irreversible crypto payments to eliminate fraud chargebacks
  • Accept over 100 crypto wallets
  • Over 16 coins (including Lightning Network payments)
  • Flexibility in channels
  • Minimal fees
  • Network of 229 countries and territories


Minimum Transaction Fee1% + $0.25
Monthly Transaction Fee

(for amount <$500,000)

2% + $0.25
Monthly Transaction Fee

(for amount $500,000-$999,999)

1.5% + $0.25
Monthly Transaction Fee

(for amount greater or equal $1,000,000)

1% + $0.25

20. Worldpay

Worldpay is a global financial service that provides payment processing solutions for businesses of all sizes.³⁰

Key Features

  • Constant support
  • Make payments easy and improve your customer experience
  • Customer payment protection
  • Easy-to-use systems and tools


Worldpay has not made its pricing structure available to the general public.


Sources used :

  1. Square
  2. Cards | Adyen Docs
  3. Pricing - Full list of prices for supported payment methods - Adyen
  4. Implementing Apple Pay - Apple Developer
  5. Payment processing: Accept payments anywhere |
  6. Merchant account fees and payment gateway pricing |
  7. Accept Payments Online and In-Store | PayPal US
  8. Pricing and Fees | Business Account | PayPal US
  9. Pricing | Braintree Payments
  10. Pricing | 2Checkout
  11. Helcim: Affordable Payments For Your Business
  12. Payment Processing for Small to Medium Businesses | Amazon Pay - …
  13. Payment Gateway for Platforms | WePay, a Chase Company
  14. Accept Payments Online with - Global Payment …
  15. - Refreshingly, transparent pricing
  16. Dwolla | Powering Innovations With Modern A2A Payment Solutions
  17. Account to Account Payment Solution Pricing | Dwolla Pricing
  18. Small business payment solutions | Cybersource
  19. Cross-border Business Payment Account - Payoneer
  20. Low fees and no hidden costs - Payoneer Fees
  21. Point of Sale System | POS System | PayPal Zettle US | PayPal US
  22. POS Pricing and Fees | PayPal Zettle US | PayPal US
  23. Payment Gateway - PayU
  24. Pricing - PayU
  25. Recurring payments made easy | GoCardless
  26. Pricing | GoCardless
  27. Klarna for business | Klarna US
  28. Accept Bitcoin Payments with the #1 Crypto Payments Processor | BitPay
  29. BitPay Pricing - Simple pricing for all businesses
  30. Small Business Payment Processing Solutions | Worldpay from FIS

Sources last checked on 9-January 2024.

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.

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