Payment Processors reviews from Reddit
Summary
We analyzed 157 Reddit reviews across 26 subreddits and 42 posts to rank the best Payment Processors brands recommended by redditors, including communities like r/Entrepreneur, r/ecommerce, r/SaaS, r/agency, r/smallbusiness. Top-rated brands include Stripe (3.6/5), Square (4.0/5), PayPal (3.3/5).
Stats
Reviews157
Subreddits26
Posts42
Brands84
Products13
157 reviews from
and
By Brand
/By Product
#1
Stripe
3.6
(19)
"Have you considered Stripe?"
"Stripe for me and not had a single problem."
"I have been using Stripe and Paypal without any issues for many years."
"We use stripe without issue."
"Look into Level 3 processing with Stripe."
"If you’re just selling online, go with Stripe."
"I can supply u stripe/authorize..paypal as well if needed"
"First ones being more well-known being: Stripe or PayPal"
"You can negotiate it down with stripe"
"Most of them, like Stripe, have their own WordPress plugins which you can use."
#2
Square
4.0
(7)
"But because you want to be able to sell in person as well, then Square might be your better option."
"I use a square reader for garage sales typically."
"Happy to point you in the right direction."
"Square, Sumup or Revolut. Avoid Stripe, they like to randomly withhold funds."
"For mobile transactions, you may use Square. A San Francisco-based corporation that handles digital payments."
"Square should work well for your new needs for in person swiping"
"Square works for many people but their fees are high 4.5% and customer service mid at best."
#3
PayPal
3.3
(8)
"PayPal is my ultimate favorite for receiving cash, with good security and customer support."
"First ones being more well-known being: Stripe or PayPal"
"You can Use PayPal as its widely known internationally and works with Bahamian banks."
"Look to establish a separate entity that takes the payments via PayPal/Stripe"
"PayPal is a reliable option for online payments."
"Paypal = $0.30 + 2.7%."
"PayPal is worse - of course."
"I don't like Paypal lol."
#4
Paddle
4.0
(6)
"Use Paddle."
"I use Paddle as a MoR."
"Excellent for globa"
"Paddle is great for invoicing customers, which helps with taxes."
"Deep-dived the Paddle + LemonSqueezy ToS tonight (not fun), and applied for accounts on both to hedge my bets + just test out which one I like best and has the functionalities/features I need."
"These handle taxes for you automatically, but have higher provisions on sales. Examples of such services are Lemon Squeezy (recently acquired by Stripe), Paddle, Polar."
#5
Helcim
4.6
(5)
"We believe that Helcim can address your concerns perfectly."
"Would recommend Helcim especially for healthcare providers."
"Helcim is a great payment processor with reliable service."
"Check out Helcim. Super user-friendly and low fees! Should be able to do large ACH orders up to $25,000."
"Helcim is a Canadian corporation that offers merchant services and credit card processing. This processor provides independent merchants with reasonable interchange-plus processing rates and automatic volume discounts."
#6
UniqPayments
4.5
(4)
"If you are looking for something that would massively reduce your fees just look into uniqpayments."
"It made the process much easier for my business."
"You can checkout the services of UniqPayments, they will help you identify and set up the best payment solutions given the nature of your business."
"They’ve got more flexible solutions that could work better for you, especially with fluctuating monthly transactions."
#7
Braintree
3.5
(4)
"I love them easy setup, some other companies make a guy come out to my office and take pictures of my building and inventory, they were basically just an app."
"Braintree."
"Braintree offers a cost-effective solution for credit card processing, especially if you have a merchant account."
"Braintree is not good to work with."
#8
BitPay
3.3
(4)
"We run on opencart so previously our only options with BTC were Bitpay and Coinpayments."
"Coinbase and Bitpay are the commercial solutions"
"Would be good if BitPay were to turn to their most profitable long-term option (BCH)."
"Based on that it will be possible to start working on services like Bitpay."
#9
Wise
4.3
(3)
"I have been using Wise for 2 years already and super happy with it"
"Overall, yes, it works. I would also recommend Wise."
"Wise is a good option. It has lesser fees compared to stripe."
#10
Authorize.Net
3.0
(4)
"I would look at the big players like authorize.net and cybersource."
"[Authorize.net] might be your best bet off the shelf."
"Apparently Authorize.net will run the cards at a reasonable rate, but we're on the hook for chargebacks."
"I'd stay away from Shopify and authorize.net."
#11
GoUrl
5.0
(2)
"Great plugin for Bitcoin payments!"
"Excellent integration for ASP.NET!"
#12
Gocardless
4.5
(2)
"Gocardless is an excellent service!"
"Gocardless seems to work quite good."
#13
OpenPay
4.5
(2)
"If you’re looking for flexibility similar to Stripe Connect but with added control, OpenPay might be the solution you need."
"One alternative is OpenPay"
#14
PayPro Global
4.5
(2)
"PayPro Global effectively manages the entire billing process, ensuring compliance and customer support."
"I recently set up with them after the Digital River collapse and it was easy to configure, the site looks robust, and the support is excellent."
#15
2Checkout
2.7
(3)
"You can try 2checkout."
"We used to use 2checkouts, don’t really recommend them as they very odd way process the orders."
"2checkout= 49$ one time fee +5.5%+$0.45."
#16
Dwolla
4.0
(2)
"Free transactions under $10, making it a cost-effective option."
"Dwolla..."
#17
SumUp
4.0
(2)
"Square, Sumup or Revolut. Avoid Stripe, they like to randomly withhold funds."
"Sumup"
#18
Karma Card Payments
4.0
(2)
"I have my payments own company www.karmacardpayments.com. Specialize in high risk business."
"I have my own payments company www.karmacardpayments.com. Specialize in high risk business. We can place pretty much anything."
#19
Revolut
4.0
(2)
"Once you have that established revolution works well. Money that sits in my revolut account reaches my Armenian debit bank card (Visa) in seconds and costs 1%."
"Square, Sumup or Revolut. Avoid Stripe, they like to randomly withhold funds."
#20
Venmo
4.0
(2)
"Venmo is also a reliable option for transactions with no fees for debit."
"Many garage sale hoppers are flippers and have a PayPal, square or Venmo account already"
#21
Adaptiv Payments
4.0
(2)
"I've had a ton of problems with high risk payments over the years, but found a company called Adaptiv payments on this reddit. they handled all my high risk stuff."
"I was surprised how easy adaptivpayments.com made my high-risk payment processing."
#22
Rocketr
4.0
(2)
"I hope https://rocketr.net/ will replace them ASAP."
"They support several coins besides Bitcoin Cash."
#23
Chase
4.0
(2)
"Sometimes chase rate is a lot better"
"Chase offers better rates on credit and debit compared to competitors."
#24
Lemon Squeezy
3.5
(2)
"I initially went with Lemon Squeezy (the integration was pretty smooth) but my accountant offered to handle everything related to taxes so I was able to stick with the cost-efficient Stripe instead."
"These handle taxes for you automatically, but have higher provisions on sales. Examples of such services are Lemon Squeezy (recently acquired by Stripe), Paddle, Polar."
#25
Charge
3.0
(2)
"I do consulting and I heard about Charge before. Maybe I will try them."
"If your not a formal business or if you fall into the high risk category you may want to look at a company like Charge."
#26
Shopify
3.0
(2)
"Never had an issue with Shopify holding funds."
"I'd stay away from Shopify and authorize.net."
#27
Coinbase
3.0
(2)
"Coinbase and Bitpay are the commercial solutions"
"I don't think there are any merchant processors like coinbase or bitpay quite yet."
#28
WorldPay
3.0
(2)
"You can try local merchant account via local bank or used to be WorldPay or SagePay"
"If you're higher volume or have more detailed needs (multiple currencies, payment methods) check out Ingenico, Worldpay and Adyen."
#29
Finexer
5.0
(1)
"They handle domestic payments really well and connect directly with UK banks."
#30
Payyit
5.0
(1)
"I highly recommend Payyit — https://payyit.com"
#31
CCBill
5.0
(1)
"Www.CCBill.com processes for a majority of the adult industry and has done so for many years."
#32
Monero-Integrations
5.0
(1)
"Monero-Integrations is completely free but handles straight XMR only."
#33
Salable
5.0
(1)
"Salable is an all-in-one SaaS platform designed to help users accept payments and run their entire SaaS business."
#34
TailoredPay
5.0
(1)
"They are specifically for high risk industries like cannabis and won’t shut you down in the future."
#35
Deposyt
5.0
(1)
"Deposyt offers excellent processing solutions."
#36
Plaid
5.0
(1)
"Integrating Plaid with Stripe simplifies ACH verification."
#37
Bankful
5.0
(1)
"Bankful has been wonderful to us and they got us on board without any reserve requirements."
#38
OpenPath
5.0
(1)
"I would recommend using OpenPath. Their Multi-MiD product is literally made for high-risk merchants."
#39
First Financial
5.0
(1)
"...all of them using a loving the card processing the First Financial based out of Abilene, TX."
#40
Paysend
5.0
(1)
"Paysend"
#41
Inecobank
5.0
(1)
"I use inecobank and i like it a lot, they also have great customer service."
#42
Uniq Payments
5.0
(1)
"A solid alternative to Shopify Payments or Stripe is UniqPayments."
#43
Suncash
4.0
(1)
"Closest thing to what you want is suncash.me"
#44
Mycelium Gear
4.0
(1)
"Mycelium Gear is pretty dope because it allows you to be your own gateway."
#45
Smaller Banks
4.0
(1)
"I went to smaller state banks that charge a flat rate per batch (I pay $3 a batch). Figure out which is cheaper for you and go with that."
#46
ShapeShift
4.0
(1)
"Shapeshift might make it possible."
#47
Coinkite
4.0
(1)
"Coinkite"
#48
Heartland
4.0
(1)
"Look into other processors like heartland or NCR"
#49
BTCPay Server
4.0
(1)
"BTCPay Server is the open source diy solution"
#50
Private Processor
4.0
(1)
"I work with a private processor that can get you sorted at a good rate and also comes with fast payout and no money holds."
#51
Mollie
4.0
(1)
"A payment service provider like Mollie can be paid out daily if you want."
#52
WiPay
4.0
(1)
"There is also a company called WiPay based in Trinidad and Tobago."
#53
PayJunction
4.0
(1)
"PayJunction might be an option for you."
#54
Selly
4.0
(1)
"Selly is pretty good."
#55
Blockonomics
4.0
(1)
"I just set up Blockonomics on my website."
#56
Globee
4.0
(1)
"Globee is your only option for instant XMR-Fiat conversion and they charge a fee."
#57
VersaPay
4.0
(1)
"VersaPay offers lower fees compared to Stripe, averaging 2.4-2.6%."
#58
QBO
4.0
(1)
"QBO has ACH payment processing that you get in around 24 hrs. Fees are decent."
#59
SendOwl
4.0
(1)
"Sendowl seems to work quite good."
#60
Zelle
4.0
(1)
"Zelle is great for sending and receiving money without fees when using debit."
#61
Ecwid
4.0
(1)
"Ecwid is a free cart and suitable for CBD based businesses."
#62
WordPress
4.0
(1)
"Using WordPress with Ecwid can help you get back up and running."
#63
WooCommerce
4.0
(1)
"WooCommerce is another option for setting up your online store."
#64
BMJ Group Inc
4.0
(1)
"They work with quite a few reputable companies in the CBD space and will gladly provide references for you to contact!"
#65
Coda
4.0
(1)
"They handle the whole end-to-end headache—tax compliance, local payment methods, fraud, etc.—and best of all, you can create an account and get started without having to talk to anyone."
#66
Zotlo
4.0
(1)
"Flat 8% fee covers global tax compliance, payment processing, and subscriptions. Simple setup with no extra features—ideal for SaaS businesses. Offers great customer support to handle all tax-related tasks."
#67
Fungies.io
4.0
(1)
"If you're looking for a Merchant of Record (MoR) to escape the tax nightmare of VAT and sales tax compliance, Fungies.io is probably the best fit for you."
#68
Shopify Payments
4.0
(1)
"Shopify payments are decent in my opinion.. no merchant account is needed. You can use it on both Shopify and non-Shopify websites."
#69
Awesome Bitcoin Payment Processors
4.0
(1)
"Check this https://github.com/alexk111/awesome-bitcoin-payment-processors/"
#70
MoneyGram
4.0
(1)
"Ive used moneygram before for small amounts and it was convenient."
#71
CBD Payment Processors
3.0
(1)
"I am planning to create a website that sells CBD and I am looking for recommendations about the payment processor I should use to avoid these kind of issues."
#72
Evo Epay
3.0
(1)
"Evo Epay = 1.39%."
#73
BluePay
3.0
(1)
"Bluepay = 9.95 monthly +$0.20 per transaction."
#74
Kasisto
3.0
(1)
"Kasisto is in alpha and is free, still straight XMR only, but for brick&mortar business."
#75
FastSpring
3.0
(1)
"I can help you via Twitter DM or Whatsapp if you wanna try FastSpring or just learn more"
#76
Creem.io
3.0
(1)
"We have also built a modern alternative to Paddle and LS with better pricing and great customer support!"
#77
Polar
3.0
(1)
"These handle taxes for you automatically, but have higher provisions on sales. Examples of such services are Lemon Squeezy (recently acquired by Stripe), Paddle, Polar. Can't give my recommendation though as I haven't used any of them. I see a lot of people praising Polar."
#78
invoicing.co
3.0
(1)
"My agency uses invoicing.co for payment processing."
#79
Micropayment
3.0
(1)
"I work for a PSP in Germany. To be fair, those bigger companies like Stripe do have advantages, like good conditions. On the other Hand they keep a very high Rolling Reserve and if anything goes wrong.... good look getting a good support."
#80
Ingenico
3.0
(1)
"If you're higher volume or have more detailed needs (multiple currencies, payment methods) check out Ingenico, Worldpay and Adyen."
#81
Adyen
3.0
(1)
"If you're higher volume or have more detailed needs (multiple currencies, payment methods) check out Ingenico, Worldpay and Adyen."
#82
PaySpacelv
3.0
(1)
"PaySpacelv provides the most outstanding web-based e-commerce technical services. They have set up the standard of extraordinary efficiency and highest results for the merchants and financial institutions."
#83
First Data
3.0
(1)
"Typically best deal will be with FirstData or go to your local bank and get a merchant account setup."
#84
Ramply
3.0
(1)
"I’m using Ramply for payments, mostly high risk businesses."
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