Best Low‑Fee Credit Card Processing Solutions for Startups

Developer‑first platform with a flat 2.9% + 30¢ per successful transaction, no monthly fees, and powerful APIs for SaaS, marketplaces, and e‑commerce.

All‑in‑one POS and online payments solution; 2.6% + 10¢ for in‑person, 2.9% + 30¢ online, no long‑term contracts—ideal for brick‑and‑mortar startups.

Global acceptance with 2.9% + 30¢ per transaction; offers PayPal, Venmo, and credit‑card options plus easy checkout integration.

A PayPal service with 2.9% + 30¢ per transaction, no monthly fees, and advanced fraud tools; supports recurring billing and marketplace payouts.

Enterprise‑grade gateway with transparent pricing (typically 2.9% + fixed fee) and multi‑currency support; volume discounts for fast‑growing startups.

Integrated with Shopify stores; 2.9% + 30¢ for online cards, no extra gateway fees, and automatic payouts—perfect for e‑commerce startups.

Reliable gateway with a flat 2.9% + 30¢ per transaction plus a $25 monthly fee (often waived for startups via partners).

Cross‑border payments with 2% + 30¢ for card‑not‑present transactions; useful for SaaS businesses with international clients.

Platform‑focused processor (2.9% + 30¢) with built‑in risk management and seamless API for marketplaces and crowdfunding.

Global payment gateway charging 3.5% + 35¢ per transaction; no setup fees and supports subscription billing.

Low‑fee solution with 2.69% + 30¢ for card‑present and 2.95% + 30¢ for card‑not‑present; no monthly minimums—good for early‑stage retailers.

Transparent interchange‑plus pricing (≈2.5% + 10¢) with no hidden fees; offers subscription‑free plans for startups.

Flat‑rate pricing at 1.5% + 10¢ per transaction, no monthly fees after a brief trial; ideal for high‑volume SaaS startups.

All‑in‑one payment platform with 2.9% + 30¢ for online cards; offers volume discounts and global payment methods.

Simple pricing at 2.9% + 30¢ per transaction, no hidden fees, plus invoicing and recurring billing tools for service‑based startups.

Interchange‑plus pricing (≈2.5% + 10¢) with no monthly fees; strong security suite and easy API integration.

Starter plan with 2.9% + 30¢ per transaction, no setup fee; supports both online and in‑store payments.

Mobile POS with 2.6% + 10¢ per transaction; no long‑term contracts and a free app for startups.

Flat‑rate 2.5% per transaction, no monthly fees; built for SaaS and subscription businesses.

Transparent pricing at 2.69% + 30¢ for card‑not‑present; offers custom APIs and virtual terminal.

Interchange‑plus rates starting at 2.4% + 10¢; no monthly minimums and robust developer tools.

Emerging‑market focused gateway with 2.9% + 30¢ for online cards; no setup fees and easy integration for startups targeting LATAM/Asia.

India‑centric processor with 2% + 30¢ per transaction for international cards; zero monthly fees and strong API suite.

E‑commerce extension of Square; 2.9% + 30¢ per online transaction, no monthly fee, and built‑in inventory tools.

Mobile card reader with 2.7% per swipe; no monthly fees and integrates with PayPal's online checkout.

Swedish‑origin POS with 2.75% per transaction, no monthly fee; works well for European startups.

Flat‑rate 2.65% per card swipe, no contracts; simple mobile card reader for early‑stage retail.

European counterpart of Square; 2.75% per transaction, no monthly fees, and robust analytics.

Prepaid card linked to Payoneer account; 2% fee on card‑present transactions, ideal for freelancers and micro‑startups.

European gateway with 1.8% + €0.25 per transaction for most cards; no monthly fees and easy plug‑and‑play integrations.

Interchange‑plus pricing (≈2.4% + 10¢) with no setup fees; strong global coverage and developer‑centric APIs.

All‑in‑one SaaS payment platform; 5.5% + 50¢ per transaction (includes tax handling) – higher fee but eliminates separate tax compliance costs.

E‑commerce platform for digital goods; 5% + 50¢ per transaction, includes global tax and compliance—good for bootstrapped SaaS.

Payment orchestration layer with interchange‑plus pricing; no transaction fees beyond gateway rates, ideal for startups needing multi‑gateway redundancy.

African‑focused processor with 1.5% + 30¢ per transaction; no monthly fees and easy API for startups targeting Nigeria, Ghana, etc.