Payment-processing fee rankings

These rankings answer the questions merchants ask most about processing cost: the cheapest for small business, the cheapest for high volume, the lowest international fees, and the lowest chargeback fee. Each ranks processors by their published fees in our June 2026 snapshot.

Data as of June 2026.

Lowest effective rate for a typical small-merchant ticket, with no monthly fee.

Where interchange-plus and subscription pricing beat flat rates at scale.

Smallest cross-border / international card surcharge for global merchants.

Processors with the cheapest (or zero) dispute/chargeback fee.

Want every processor in one table? See the full processor index or browse fees by payment method. To estimate your own effective rate, use the calculator.

Last updated: 2026-06-29