23 providers

Providers with instant, self-serve signup in 2026

These providers offer instant, self-serve onboarding, so you can create an account and start accepting payments in minutes without an underwriting review or a sales call. Ideal if you're launching fast or testing an idea.

Providers with instant, self-serve signup

23 of 53 providers in the directory. Suby is highlighted.

Suby UsMoR
SaaS, creators, Discord/Telegram communities
AnyBank+InstantMoR
Regions
Global
Pricing
4% + $0.40 card · 1.5% crypto

Merchant of Record with card and crypto acceptance and USDC or bank payouts. Native Discord/Telegram integrations.

StripePSP
Developers, SaaS, marketplaces
AnyBank+Instant
Regions
Global
Pricing
2.9% + $0.30

Developer-first PSP. Not a Merchant of Record; tax, billing and fraud are paid add-ons.

MolliePSP
European SMBs, ecommerce
SMBBankInstant
Regions
Europe
Pricing
1.8% + €0.25

European PSP with strong local methods (iDEAL, Bancontact) and simple per-transaction pricing.

SquareAggregator
In-person retail, SMBs
AnyBankInstant
Regions
US, UK
Pricing
2.9% + $0.30 online

Aggregator with strong POS hardware and fast self-serve onboarding.

Authorize.netGateway
US small business
SMBBankInstant
Regions
US, Europe, UK
Pricing
2.9% + $0.30, $25/mo

Established US gateway, often paired with a separate merchant account.

PayPalAggregator
Freelancers, small merchants, checkout trust
AnyBankInstant
Regions
Global
Pricing
3.49% + $0.49

Ubiquitous wallet and checkout with instant onboarding.

SumUpAggregator
In-person SMB, micro-merchants
AnyBankInstant
Regions
US, Europe, LatAm
Pricing
2.5% online

Card reader and simple acceptance for small in-person sellers.

Zettle (PayPal)Aggregator
In-person SMB
AnyBankInstant
Regions
Europe, LatAm
Pricing
2.29% + $0.09 (in-person)

PayPal's in-person POS and card reader for small businesses.

WisePayout
Cross-border payouts, multi-currency
AnyBank+Instant
Regions
Global
Pricing
FX + fee (varies)

Multi-currency accounts and low-FX payouts. Not a card acquirer.

Revolut BusinessPayout
SMB banking + simple acceptance
AnyBank+Instant
Regions
Europe, UK
Pricing
1% + £0.20 online

Business accounts with multi-currency and a merchant-acceptance add-on.

GoCardlessGateway
Recurring bank debit (subscriptions)
SMBBankInstant
Regions
Global
Pricing
1% + $0.25 (capped)

Bank-debit specialist (ACH, SEPA, BACS) for recurring billing.

RazorpayPSP
India-based businesses
AnyBankInstant
Regions
India, Asia
Pricing
2%

Leading India PSP with UPI and local methods, plus payouts.

CashfreePSP
India payments + payouts
SMBBankInstant
Regions
India
Pricing
1.9%

India payments and payout APIs.

PaystackPSP
African businesses
AnyBankInstant
Regions
Africa
Pricing
1.5% + ₦100

Stripe-owned African PSP with strong local methods.

YocoAggregator
African SMB, in-person
AnyBankInstant
Regions
Africa
Pricing
2.95%

Card readers and acceptance for small African businesses.

Mercado PagoAggregator
Latin America
AnyBankInstant
Regions
LatAm
Pricing
4.99% (instant)

MercadoLibre's payment arm; dominant across LatAm.

Lemon SqueezyMoR
Digital products, indie SaaS
AnyBankInstantMoR
Regions
Global
Pricing
5% + $0.50

Merchant of Record for digital goods; tax handled. Part of Stripe.

PolarMoR
Developers, open-source, SaaS
AnyBankInstantMoR
Regions
Global
Pricing
5% + $0.50

Developer-focused Merchant of Record for digital products and subscriptions.

GumroadMoR
Creators, digital downloads
AnyBankInstantMoR
Regions
Global
Pricing
10% + $0.50

Creator-friendly Merchant of Record for digital products. Zero setup.

WhopAggregator
Digital communities, creators
AnyBankInstant
Regions
Global
Pricing
5.7% + $0.30

Marketplace and checkout for digital communities and memberships.

Shopify PaymentsPSP
Shopify merchants
SMBBankInstant
Regions
Global
Pricing
2.9% + $0.30

Embedded acceptance for Shopify stores (Stripe-powered).

Coinbase CommerceCrypto
Crypto-native checkout
AnyUSDCInstant
Regions
Global
Pricing
1%

Accept crypto and settle to stablecoin. No cards.

NOWPaymentsCrypto
Wide-asset crypto acceptance
AnyUSDCInstant
Regions
Global
Pricing
0.5%

Non-custodial crypto gateway supporting many assets.