Suits Finance
Payment Processors

Payment Processor Guide

Compare 12 payment processors — access requirements, fees, best structures, and which markets each one dominates.

12Processors
6Easy access
5Categories
Stripe

Stripe

Checkout

The developer-first payment platform

Easy Access
Best-in-class API and developer documentation
Supports 135+ currencies and 40+ countries
Accounts can be frozen or terminated with little warning for 'high-risk' businesses
US LLCUK LtdNetherlands BV+3
PayPal

PayPal

Checkout

The world's most recognised digital wallet & checkout

Easy Access
Recognised and trusted in 200+ markets — boosts checkout conversion
Supports 25 currencies and 200+ countries & regions
Higher fees compared to Stripe or Adyen for card processing
US LLCUK LtdNetherlands BV+2
Shopify Payments

Shopify Payments

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Zero transaction fees for Shopify merchants

Easy Access
No additional Shopify transaction fees on top of card rates
Fully integrated with Shopify orders, payouts, and analytics
Only available to Shopify stores — cannot be used on other platforms
US LLCUK LtdNetherlands BV+2
Mollie

Mollie

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Europe's most developer-friendly payment service provider

Easy Access
No monthly fees or hidden charges — pay only per transaction
All major EU local methods: iDEAL, Bancontact, SEPA, Klarna, SOFORT
Primarily EU-focused — limited payment methods outside Europe
Netherlands BVBelgian BVBA/BVEstonian OÜ+2
Adyen

Adyen

Acquiring

The enterprise payment platform for global scale

Hard Access
Single platform for online, in-store, and in-app payments globally
All payment methods worldwide via one integration
€120/month minimum billing — not suitable for low-volume merchants
Netherlands BVUK LtdUS LLC+2
Authorize.net

Authorize.net

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The trusted US payment gateway since 1996

Moderate
Widely integrated with US e-commerce platforms and shopping carts
Advanced Fraud Detection Suite (AFDS) included
Primarily US-focused — not practical for non-US merchants
US LLCUS C-Corp
Airwallex

Airwallex

Payout & Treasury

Global business accounts with borderless payments

Moderate
Multi-currency accounts in USD, EUR, GBP, AUD, HKD and 10+ more
FX rates close to interbank — far cheaper than traditional banks
Not a full-featured checkout gateway — better as a treasury/payout tool
Hong Kong LtdSingapore Pte LtdUK Ltd+2
Payoneer

Payoneer

Payout & Treasury

Cross-border payments for the global economy

Easy Access
Available in 200+ countries including markets underserved by Stripe/PayPal
Receive USD, EUR, GBP, JPY via local receiving accounts
Not a merchant checkout gateway — cannot accept card payments on your website
US LLCEstonian OÜAny registered entity+1
MultiSafepay

MultiSafepay

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The Dutch all-in-one payment provider

Moderate
200+ payment methods including all Dutch and Belgian local methods
iDEAL, Bancontact, SOFORT, Klarna, AfterPay, Riverty
Primarily NL/BE focused — limited global payment method coverage
Netherlands BVBelgian BV/BVBAGerman GmbH
Klarna

Klarna

Buy Now Pay Later

Buy Now Pay Later that converts — smoooth shopping

Moderate
Proven to increase average order value and conversion rates (up to 68%)
Offers Pay Later (30 days), Slice It (instalments), and Pay Now
Merchant fees are higher than standard card processing
Netherlands BVUK LtdGerman GmbH+3
Buckaroo

Buckaroo

Checkout

The trusted Benelux payment service provider

Moderate
Full Dutch market coverage: iDEAL, Riverty, PIN, Bancontact
Long track record of reliability and security in the Netherlands
Predominantly Dutch/Belgian market — not suitable for global ambitions
Netherlands BVBelgian BV/BVBA
Whop

Whop

Marketplace

Sell digital products, communities & SaaS in minutes

Easy Access
Built-in marketplace of buyers actively looking for digital products
Handles subscriptions, one-time purchases, and community access
3% fee is on top of Stripe/PayPal processing fees — can stack up
US LLCEstonian OÜUK Ltd+1