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Read comparisonCompare Payment Processors: Real 2026 Rates from $10K to $1M Monthly
Updated June 2026
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12 Payment Processors at a Glance — 2026 Real Rates
Published 2026 rates for the U.S. market. IC = interchange (the card-network fee, typically 1.3-2.3% — passed through). For your effective rate, use the fee calculator.
| Processor | Online rate | In-person rate | Monthly fee | Best for |
|---|---|---|---|---|
| Stripe | 2.9% + $0.30 | 2.7% + $0.05 | $0 | Online-first, developer teams |
| Square | 2.9% + $0.30 | 2.6% + $0.10 | $0 | Retail / POS, $0-$80K monthly |
| PayPal | 2.99% + $0.49 | 2.29% + $0.09 | $0 | Checkout conversion (5-10% lift) |
| Helcim | IC + 0.40% + $0.08 | IC + 0.30% + $0.08 | $0 | Transparent IC-plus, >$25K/mo |
| Stax (FattMerchant) | IC + $0.18 | IC + $0.10 | $99-199 | Subscription pricing, >$80K/mo |
| Payment Depot | IC + 0.20% | IC + 0.15% | $79-199 | High volume members, >$100K/mo |
| Clover | 2.3-3.5% + $0.10 | 2.3-2.6% + $0.10 | $0-$60 | All-in-one restaurant / retail POS |
| Authorize.net | 2.9% + $0.30 | N/A (gateway) | $25 + $0.10/tx | Gateway-only, BYO processor |
| Braintree | 2.59% + $0.49 | 2.29% + $0.09 | $0 | Subscription + marketplace |
| Adyen | IC + 0.60% + $0.13 | IC + 0.50% + $0.13 | Custom | Enterprise / global / >$1M/mo |
| Shopify Payments | 2.4-2.9% + $0.30 | 2.4-2.7% + $0.00 | Plan-bundled | Shopify stores only |
| Worldpay | Negotiated | Negotiated | Custom | Mid-market enterprise, >$500K/mo |
Rates pulled from each processor's public pricing page as of June 2026. Custom-negotiated rates differ. Effective rate (what you actually pay) usually runs 0.20-0.60% above sticker due to card mix and hidden fees.
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