Switching, comparing, or just rejected? We match you with the processor built for your business type, your volume and your risk profile. Free, and we negotiate your rates for you.
We compare processors including
Most businesses come to us at one of three moments.
Fees crept up and you're not sure why. Send us your last processing statement and we'll show you what you're really paying, what's negotiable, and whether switching saves you money.
Check my statement for freeStripe, Square, PayPal, Authorize.net or a merchant account? We compare real costs for your volume and order size, not the headline rate on a pricing page.
Compare my optionsA hold, a reserve or a rejection usually means a mismatch, not a bad business. We match you with processors that approve your business type and understand how it works.
Find a processor that says yesYour business type, monthly volume, current processor and what's going wrong. It takes about 30 seconds.
We check your answers against 50+ US processors and narrow it to the two or three that fit. Then we walk you through the real costs on a free 15-minute call.
We negotiate your rates, help with the application, and make sure the new account is ready before you move a single payment.
The cheapest rate rarely wins. These four things decide whether a processor works for you.
Every processor has a list of businesses it won't take. Picking one that accepts yours avoids rejections and surprise holds.
Add up last month's fees and divide by sales. That number, not 2.9% + 30¢, is what you're paying.
Payout speed, reserves and holds matter as much as fees, especially when sales spike.
Check for termination fees, contract length, and whether you can take your saved customer cards with you.
We don't process payments and we don't work for one processor. We're paid the same whichever processor you pick, so our only job is finding the right fit.
Interchange, markups and the line items most people miss on a statement.
We've worked inside the industry and know how underwriters think.
We prepare your application so it gets approved the first time.
Processors pay us after you're set up, like a mortgage broker. It costs you nothing.
Find the best payment processor for ecommerce, with backup options ready before peak season.
Recurring billing, card updates and fewer failed payments.
Split payouts, seller checks and processors built for multi-seller businesses.
One setup for online and in-person payments, with one set of reports.
Processors that understand delivery, tips and high order volume.
The expert guide to Interchange++ pricing: what it really is, why it's an underwriting outcome not a menu option, and how to know if you actually qualify.
Compare interchange plus and blended credit card processing pricing with real 2026 rate data. See which model cuts costs for your business and when to switch.
PCI fees, batch fees, early termination charges. Here is every fee processors bury in contracts, what they cost, and how to negotiate them out.
What payment providers don't tell marketplace founders about split payments, seller verification, chargeback risk, and how to secure the right payment partnership.
Straight answers, no sales pitch. Ask us anything else on the call.
Start with what your business needs, not the lowest rate. Your business type, monthly volume, average order size and how you sell decide which processors will approve you and what you'll really pay. Our 5-question match does this comparison for you in about 30 seconds.
Get the new account approved and tested before you leave the old one. Check your current contract for termination fees, ask whether your saved customer cards can be moved, and switch your checkout only once test payments have gone through. We plan each step with you.
Yes, and many growing businesses should. A second processor keeps you selling if your main one holds payouts or goes down. It usually costs little or nothing until you use it.
It depends on your volume and order size. Flat-rate processors like Stripe and Square are simple, but businesses with steady volume often pay less on interchange-plus pricing. We compare your real costs across processors before you choose.
The right alternative depends on why you're leaving. If it's fees, an interchange-plus merchant account often costs less. If it's a freeze or a rejection, you need a processor that accepts your business type. Tell us what happened and we'll name the processors that fit.
In Shopify, go to Settings, then Payments, and add a third-party provider. You need an approved account with that provider first, and Shopify charges an extra fee when you don't use Shopify Payments. We can tell you whether the switch is worth it at your volume.
Usually a mismatch, not a bad business. Sudden sales spikes, rising refunds or disputes, and business types the processor doesn't support are the common triggers. We match you with processors that understand your business so it doesn't happen again.
No. ChosePayments is an independent payment advisory, a bit like a mortgage broker for card processing. The processor you choose pays us after you're set up. It costs you nothing and doesn't change who we recommend.
5 questions, about 30 seconds, and a match you can act on. Prefer to talk it through? Book a free 15-minute call or write to us.
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