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Compare payment processors

Smarter payments. Keep more of every sale.

We compare card rates, international and currency conversion fees, recurring billing and payout costs, so SaaS and online businesses can see what they really pay.

Recurring billing for SaaSMulti-currency checkoutInterchange-plus pricingBank debits
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All payment processors

1 processor in Canada

3.1 / 5 Treasi rating

Commerce platform · Ecommerce

Payments built into your Shopify store

Card processing built into Shopify, with a 1–1.5% currency conversion fee when customers pay in a different currency from your payout currency.

Currency conversion

1–1.5%

By plan (Basic 1.5%)

Card rates

By plan

Lower on higher plans

Payouts

Multi-currency

Fees on non-local currencies

Shopify Payments
View details →

Our top picks

Flat rate, interchange-plus or merchant of record?

How a provider charges you matters as much as the headline rate, especially as your volume grows.

Flat rate

One simple percentage plus a fixed fee per payment. Easy to predict, but you pay the same even on cheap cards.

Interchange-plus

The card networks’ real cost plus a fixed margin. Usually cheaper once you process meaningful volume.

Merchant of record

The provider sells on your behalf and handles sales tax and VAT worldwide, for a higher fee per payment.

How we rate payment processors

Every rating comes from the provider’s published terms, checked against official sources and dated. Partners and non-partners are rated the same way.

Rates and fees35%
FX and international costs20%
Recurring and SaaS features15%
Payment methods15%
Transparency and contract terms15%

How we rate

Payment processing FAQs