Payment processor comparisons
One page for every payment processor and POS provider we compare, with a one-line summary and links to a page that shows what each publishes on its own site. CELER Merchants is an independent agent, not a processor: we do not rank providers, we compare offers for your statement.
How to use this page
Pick a provider to see what it publishes about rates, fees and contracts, where it is strong, and the questions to ask it. Then send one statement to our statement analysis and we bring back offers from the providers we work with. If you want a first estimate before that, use the savings calculator.
Bank and large-processor providers
| Provider | Summary | Pages |
|---|---|---|
| Chase Payment Solutions | JPMorgan Chase's merchant-services offering. Publishes in-person, keyed and e-commerce rates on its fees page. | CELER vs Chase Chase alternatives |
| Fiserv | Financial-technology company that markets the Clover point-of-sale and payments system. No processing rates published on its own pages. | CELER vs Fiserv Fiserv alternatives |
| Worldpay | Payments company now part of Global Payments. Sells POS, terminals and a surcharging program; no rates published on its small-business page. | CELER vs Worldpay Worldpay alternatives |
| Elavon | Wholly owned subsidiary of U.S. Bank. Publishes starting in-person and online rates and lists $0 annual, batch and cancellation fees. | CELER vs Elavon Elavon alternatives |
| Global Payments | Publicly listed payments company (NYSE: GPN) that completed its Worldpay acquisition in January 2026. Publishes POS plan prices from $0 a month. | CELER vs Global Payments Global Payments alternatives |
| Adyen | Dutch payments platform that publishes a fixed processing fee plus a payment-method fee, with interchange++ pricing on cards. | CELER vs Adyen Adyen alternatives |
| PayPal, Braintree and Zettle | Publishes US and Canadian fee pages. Zettle is now PayPal Point of Sale in the US; Braintree is now PayPal Enterprise Payments. | CELER vs PayPal PayPal alternatives |
| Shift4 | Publicly listed (NYSE: FOUR) payments company focused on restaurants, hotels, gaming, sports and travel. No rates published on pages we read. | CELER vs Shift4 Shift4 alternatives |
| Moneris | Canadian payments provider backed by RBC and BMO. A sale to Francisco Partners has been announced but not closed. No rates published on its home page. | CELER vs Moneris Moneris alternatives |
| Nuvei | Global payments company, private since November 2024. Describes reach in 190+ markets; no small-merchant pricing published on its home page. | CELER vs Nuvei Nuvei alternatives |
| Paysafe | Publicly listed (NYSE: PSFE) payments platform with a focus on iGaming, e-commerce, retail, travel and hospitality. No rates published on pages we read. | CELER vs Paysafe Paysafe alternatives |
POS and online-first providers
| Provider | Summary | Pages |
|---|---|---|
| Square | Flat per-transaction rates published on its fees page; see the CELER comparison for the rates and date. | CELER vs Square Square alternatives |
| Clover | Point-of-sale system sold by Fiserv, banks and resellers; processing pricing can vary by seller. | CELER vs Clover Clover alternatives |
| Toast | Restaurant-focused point-of-sale and payments provider. | CELER vs Toast Toast alternatives |
| Stripe | Online payments platform used mostly for web and app payments; publishes standard pricing. | CELER vs Stripe |
| Helcim | Interchange-plus pricing published on its own site; see the CELER comparison for the rate and date. | CELER vs Helcim |
| Stax | Subscription pricing plus interchange at cost; see the CELER comparison for the figures and date. | CELER vs Stax |
How we write these pages
- Facts come from the provider's own public pages or a named public source, with the check date shown.
- Rates appear only when the provider publishes them, with the date and a link. Where a page could not be read, we say so rather than fill the gap.
- Awards and rankings appear only when attributed to the publisher and date. We do not present anyone's accolades as ours.
- Every provider's real strengths are listed before we say where an agent helps.
If something here is out of date, tell us and we will check it against the provider's page.
For ATM programs and ATM networks, see our ATM section. For the POS price tables, see POS pricing compared.
All trademarks belong to their owners. CELER Merchants is not affiliated with or endorsed by any provider named on this page. Provider names are used only to identify the company being compared.
Questions
No page can answer that for your business. The cost depends on your card mix, average ticket, volume and channel, and several providers publish no rates at all. Send a statement and we compare offers for your actual numbers.
From each provider's own public pages, or from a named public source, checked on the date shown on each page. Where we could not read a provider's page, or it publishes nothing, the page says so. Prices change, so check the provider's site before you decide.
No. CELER Merchants is an independent agent and referral partner. It is not a processor and is not affiliated with or endorsed by any provider listed. The provider you choose pays us, which is why the service costs you $0.