Compare Payment Solutions for Small Business
Standard published US rates, linked to each provider's official pricing page
Side-by-Side Comparison
Compare the top payment processors for small business — fees, contracts, and best use cases.
Affiliate disclosure: The Helcim sign-up link below is an affiliate link. If you sign up through it, PayClarify may earn a commission at no extra cost to you. Fees shown are standard published rates for US merchants; your actual cost depends on your card mix, plan, and contract. Always confirm on the provider's official pricing page.
| Provider | Monthly Fee | Transaction Fee | Best For | Contract | Official Pricing |
|---|---|---|---|---|---|
| Stripe | $0 | 2.9% + $0.30 online 2.7% + $0.05 in-person | Online businesses | None | stripe.com/pricing |
| Square (Free plan) | $0 | 2.6% + $0.15 in-person 3.3% + $0.30 online | In-person retail | None | squareup.com fees |
| PayPal | $0 | 3.49% + $0.49 (PayPal Checkout) | Freelancers | None | paypal.com fees |
| Clover | $14.95+ | 2.3% + $0.10 in-person | Restaurants | Varies by seller (often 36 mo. via resellers) | clover.com/pricing |
| Helcim | $0 | Interchange-plus (varies by card) ~1.93% + $0.08 estimated average in-person | High volume | None | helcim.com/pricing Sign up (affiliate link) |
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