Suby UsMoR
SaaS, creators, Discord/Telegram communities
Merchant of Record with card and crypto acceptance and USDC or bank payouts. Native Discord/Telegram integrations.
Compare 53 processors by the volume they accept, where they operate, how you get paid (bank or stablecoin), and whether they handle your tax. One neutral table, no fluff.
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| Provider | Type | Volume | Regions | Signup | Payments | Payout | MoR | Notes |
|---|---|---|---|---|---|---|---|---|
| Merchant of Record7 | ||||||||
| Suby UsSaaS, creators, Discord/Telegram communities | MoR | Any volume | Global | Instant | Cards, Crypto | Bank, USDC | Merchant of Record with card and crypto acceptance and USDC or bank payouts. Native Discord/Telegram integrations. | |
| PaddleSaaS, software | MoR | SMB | Global | Application | Cards, Wallets | Bank | Merchant of Record for software and SaaS; handles global sales tax. | |
| Lemon SqueezyDigital products, indie SaaS | MoR | Any volume | Global | Instant | Cards, Wallets | Bank | Merchant of Record for digital goods; tax handled. Part of Stripe. | |
| PolarDevelopers, open-source, SaaS | MoR | Any volume | Global | Instant | Cards | Bank | Developer-focused Merchant of Record for digital products and subscriptions. | |
| FastSpringSoftware, SaaS (global tax) | MoR | SMB | Global | Application | Cards, Wallets | Bank | Established Merchant of Record for software with global tax handling. | |
| GumroadCreators, digital downloads | MoR | Any volume | Global | Instant | Cards, Wallets | Bank | Creator-friendly Merchant of Record for digital products. Zero setup. | |
| 2Checkout (Verifone)Global digital commerce | MoR | SMB | Global | Application | Cards, Wallets | Bank | Merchant of Record for global digital sales (Verifone). | |
| Processors, gateways & aggregators29 | ||||||||
| StripeDevelopers, SaaS, marketplaces | PSP | Any volume | Global | Instant | Cards, Wallets, Bank | Bank, Multi-FX | · | Developer-first PSP. Not a Merchant of Record; tax, billing and fraud are paid add-ons. |
| AdyenEnterprise, omnichannel retail | PSP | Enterprise | Global | Application | Cards, Wallets, Bank | Bank, Multi-FX | · | Enterprise acquirer-processor with unified online and in-person payments. Underwriting required. |
| BraintreeMarketplaces, subscriptions | Gateway | SMB | Global | Application | Cards, Wallets, Bank | Bank | · | PayPal-owned gateway with strong subscription and marketplace tooling. |
| Checkout.comScale-ups, global enterprises | PSP | Mid-market | Global | Application | Cards, Wallets | Bank, Multi-FX | · | Enterprise-grade global PSP with broad alternative-payment coverage. |
| MollieEuropean SMBs, ecommerce | PSP | SMB | Europe | Instant | Cards, Wallets, Bank | Bank | · | European PSP with strong local methods (iDEAL, Bancontact) and simple per-transaction pricing. |
| SquareIn-person retail, SMBs | Aggregator | Any volume | US, UK | Instant | Cards, Wallets | Bank | · | Aggregator with strong POS hardware and fast self-serve onboarding. |
| NuveiGlobal commerce at scale | PSP | Mid-market | Global | Application | Cards, Wallets, Crypto | Bank, Multi-FX | · | Global processor with wide alternative-payment and payout coverage. |
| CybersourceEnterprise gateway & fraud | Gateway | Enterprise | Global | Application | Cards, Wallets | Bank, Multi-FX | · | Visa-owned enterprise gateway and fraud-management platform. |
| Authorize.netUS small business | Gateway | SMB | US, Europe, UK | Instant | Cards | Bank | · | Established US gateway, often paired with a separate merchant account. |
| PayPalFreelancers, small merchants, checkout trust | Aggregator | Any volume | Global | Instant | Wallets, Cards | Bank | · | Ubiquitous wallet and checkout with instant onboarding. |
| SumUpIn-person SMB, micro-merchants | Aggregator | Any volume | US, Europe, LatAm | Instant | Cards | Bank | · | Card reader and simple acceptance for small in-person sellers. |
| Zettle (PayPal)In-person SMB | Aggregator | Any volume | Europe, LatAm | Instant | Cards | Bank | · | PayPal's in-person POS and card reader for small businesses. |
| AirwallexGlobal businesses, cross-border | PSP | SMB | Global | Application | Cards, Bank | Bank, Multi-FX | · | Global accounts, acquiring and FX in one platform. |
| RapydGlobal local payment methods | Aggregator | Mid-market | Global | Application | Cards, Bank, Wallets | Bank, Multi-FX | · | Payments-as-a-service with wide local-method coverage and payouts. |
| dLocalEmerging markets | Aggregator | Mid-market | Africa, LatAm, Asia | Application | Cards, Bank, Wallets | Bank, Multi-FX | · | Cross-border acceptance and payouts focused on emerging markets. |
| EBANXLatin America | Aggregator | Mid-market | LatAm | Application | Cards, Bank, Wallets | Bank, Multi-FX | · | Cross-border payments specialist for Latin America. |
| DwollaUS bank transfers (ACH) | Gateway | SMB | US | Application | Bank | Bank | · | API for US bank transfers and ACH at scale. |
| GoCardlessRecurring bank debit (subscriptions) | Gateway | SMB | Global | Instant | Bank | Bank | · | Bank-debit specialist (ACH, SEPA, BACS) for recurring billing. |
| TrustlyOpen-banking pay-by-bank | Gateway | Mid-market | US, Europe | Application | Bank | Bank | · | Account-to-account open-banking payments. |
| RazorpayIndia-based businesses | PSP | Any volume | India, Asia | Instant | Cards, Wallets, Bank | Bank | · | Leading India PSP with UPI and local methods, plus payouts. |
| CashfreeIndia payments + payouts | PSP | SMB | India | Instant | Cards, Wallets, Bank | Bank | · | India payments and payout APIs. |
| PaystackAfrican businesses | PSP | Any volume | Africa | Instant | Cards, Bank, Wallets | Bank | · | Stripe-owned African PSP with strong local methods. |
| FlutterwaveAfrican cross-border | PSP | SMB | Global, Africa | Application | Cards, Bank, Wallets | Bank, Multi-FX | · | Pan-African payments and cross-border collections. |
| YocoAfrican SMB, in-person | Aggregator | Any volume | Africa | Instant | Cards | Bank | · | Card readers and acceptance for small African businesses. |
| Mercado PagoLatin America | Aggregator | Any volume | LatAm | Instant | Cards, Wallets, Bank | Bank | · | MercadoLibre's payment arm; dominant across LatAm. |
| PayUEmerging markets | Aggregator | SMB | Europe, India, Africa, LatAm | Application | Cards, Bank, Wallets | Bank | · | Emerging-markets aggregator with broad local coverage. |
| WhopDigital communities, creators | Aggregator | Any volume | Global | Instant | Cards, Crypto | Bank | · | Marketplace and checkout for digital communities and memberships. |
| Shopify PaymentsShopify merchants | PSP | SMB | Global | Instant | Cards, Wallets | Bank | · | Embedded acceptance for Shopify stores (Stripe-powered). |
| MangopayMarketplaces and platforms (EU) | Aggregator | Mid-market | Europe | Application | Cards, Bank, Wallets | Bank, Multi-FX | · | Wallet-based payments infrastructure for marketplaces. |
| Acquirers6 | ||||||||
| WorldpayEnterprise, retail | Acquirer | Mid-market | Global | Application | Cards, Wallets | Bank, Multi-FX | · | Large global acquirer with omnichannel acceptance. |
| Fiserv (Clover)US SMB + point of sale | Acquirer | SMB | Global, US | Application | Cards, Wallets | Bank | · | Acquirer behind Clover POS; in-person and online for SMBs. |
| Global PaymentsOmnichannel, mid-market | Acquirer | Mid-market | Global | Application | Cards, Wallets | Bank, Multi-FX | · | Major acquirer with integrated and omnichannel solutions. |
| ElavonSMB to enterprise | Acquirer | SMB | US, Europe | Application | Cards | Bank | · | US Bancorp acquirer serving SMB through enterprise. |
| WorldlineEuropean commerce | Acquirer | Mid-market | Global, Europe | Application | Cards, Bank | Bank, Multi-FX | · | Large European acquirer and payments technology provider. |
| NexiEuropean (Italy-led) merchants | Acquirer | SMB | Europe | Application | Cards | Bank | · | European PayTech group, strong in Southern Europe. |
| Crypto processors6 | ||||||||
| Coinbase CommerceCrypto-native checkout | Crypto | Any volume | Global | Instant | Crypto | USDC | · | Accept crypto and settle to stablecoin. No cards. |
| BitPayCrypto acceptance with fiat settlement | Crypto | SMB | Global | Application | Crypto | Bank, USDC | · | Crypto payment processor with fiat or stablecoin settlement. |
| NOWPaymentsWide-asset crypto acceptance | Crypto | Any volume | Global | Instant | Crypto | USDC | · | Non-custodial crypto gateway supporting many assets. |
| BVNKStablecoin payments infrastructure | Crypto | Mid-market | Global | Application | Crypto | Bank, USDC | · | Stablecoin and fiat payments infrastructure for businesses. |
| Triple-ACrypto accept, fiat/stablecoin settle | Crypto | SMB | Global | Application | Crypto | Bank, USDC | · | Licensed crypto payment provider with fiat or stablecoin settlement. |
| Crypto.com PayCrypto checkout | Crypto | SMB | Global | Application | Crypto | USDC | · | Crypto checkout and settlement from the Crypto.com ecosystem. |
| Payout & cross-border5 | ||||||||
| WiseCross-border payouts, multi-currency | Payout | Any volume | Global | Instant | Bank | Bank, Multi-FX | · | Multi-currency accounts and low-FX payouts. Not a card acquirer. |
| PayoneerMarketplaces, freelancers, mass payouts | Payout | SMB | Global | Application | Bank, Cards | Bank, Multi-FX | · | Cross-border receiving and payout network for marketplaces and freelancers. |
| Revolut BusinessSMB banking + simple acceptance | Payout | Any volume | Europe, UK | Instant | Cards, Bank | Bank, Multi-FX | · | Business accounts with multi-currency and a merchant-acceptance add-on. |
| TipaltiMass supplier / partner payouts | Payout | Mid-market | Global | Application | Bank | Bank, Multi-FX | · | Accounts-payable automation and global mass payouts. |
| CircleProgrammable USDC payouts | Payout | Enterprise | Global | Application | Crypto | USDC | · | USDC issuer; programmable stablecoin payments and payouts. |
Merchant of Record with card and crypto acceptance and USDC or bank payouts. Native Discord/Telegram integrations.
Merchant of Record for software and SaaS; handles global sales tax.
Merchant of Record for digital goods; tax handled. Part of Stripe.
Developer-focused Merchant of Record for digital products and subscriptions.
Established Merchant of Record for software with global tax handling.
Creator-friendly Merchant of Record for digital products. Zero setup.
Merchant of Record for global digital sales (Verifone).
Developer-first PSP. Not a Merchant of Record; tax, billing and fraud are paid add-ons.
Enterprise acquirer-processor with unified online and in-person payments. Underwriting required.
PayPal-owned gateway with strong subscription and marketplace tooling.
Enterprise-grade global PSP with broad alternative-payment coverage.
European PSP with strong local methods (iDEAL, Bancontact) and simple per-transaction pricing.
Aggregator with strong POS hardware and fast self-serve onboarding.
Global processor with wide alternative-payment and payout coverage.
Visa-owned enterprise gateway and fraud-management platform.
Established US gateway, often paired with a separate merchant account.
Ubiquitous wallet and checkout with instant onboarding.
Card reader and simple acceptance for small in-person sellers.
PayPal's in-person POS and card reader for small businesses.
Global accounts, acquiring and FX in one platform.
Payments-as-a-service with wide local-method coverage and payouts.
Cross-border acceptance and payouts focused on emerging markets.
Cross-border payments specialist for Latin America.
API for US bank transfers and ACH at scale.
Bank-debit specialist (ACH, SEPA, BACS) for recurring billing.
Account-to-account open-banking payments.
Leading India PSP with UPI and local methods, plus payouts.
India payments and payout APIs.
Stripe-owned African PSP with strong local methods.
Pan-African payments and cross-border collections.
Card readers and acceptance for small African businesses.
MercadoLibre's payment arm; dominant across LatAm.
Emerging-markets aggregator with broad local coverage.
Marketplace and checkout for digital communities and memberships.
Embedded acceptance for Shopify stores (Stripe-powered).
Wallet-based payments infrastructure for marketplaces.
Large global acquirer with omnichannel acceptance.
Acquirer behind Clover POS; in-person and online for SMBs.
Major acquirer with integrated and omnichannel solutions.
US Bancorp acquirer serving SMB through enterprise.
Large European acquirer and payments technology provider.
European PayTech group, strong in Southern Europe.
Accept crypto and settle to stablecoin. No cards.
Crypto payment processor with fiat or stablecoin settlement.
Non-custodial crypto gateway supporting many assets.
Stablecoin and fiat payments infrastructure for businesses.
Licensed crypto payment provider with fiat or stablecoin settlement.
Crypto checkout and settlement from the Crypto.com ecosystem.
Multi-currency accounts and low-FX payouts. Not a card acquirer.
Cross-border receiving and payout network for marketplaces and freelancers.
Business accounts with multi-currency and a merchant-acceptance add-on.
Accounts-payable automation and global mass payouts.
USDC issuer; programmable stablecoin payments and payouts.
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