10 Melhores Empresas de Processamento de Cartões de Crédito para 2026

Análises das melhores empresas de processamento de cartões de crédito

1. 

   1

   Payment Depot

   Best for low credit card processing rates

   • Free demo available
   • Pricing upon request

   Visit Website

   Customer Rating:4.7/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   For midsize retailers running meaningful volume, Payment Depot’s membership pricing swaps percentage markups for a predictable monthly fee—great when your average ticket is healthy.

   You get interchange-plus processing, a virtual terminal for phone or keyed sales, and mobile options for curbside or events. It’s best for US merchants who already have a POS or ecommerce stack and want lower, steadier processing costs.

   Why I Picked Payment Depot

   I picked Payment Depot because you can control card costs through a flat monthly membership paired with interchange-plus rates—your savings come from eliminating padded markups.

   You also get practical selling tools: a virtual terminal to key cards and send invoices, plus mobile payments via compatible card readers for on-the-go checkout. For in-store selling, you can use widely supported hardware options, so your team isn’t locked into niche devices.

   Month-to-month terms limit risk, letting you validate savings without a long contract. If you’re already invested in ecommerce or retail systems, it plugs into familiar gateways and platforms to keep your workflow intact.

   Payment Depot Key Features

   In addition to the pricing model, here are useful options that fit busy retail teams.

   • Virtual Terminal: Key card, phone, or mail orders and email invoices from a browser.
   • Mobile Payments: Take chip and contactless payments with compatible readers for events or curbside.
   • Multiple Hardware Paths: Use common retail setups (e.g., Clover-based) to support lanes and back office.
   • Digital Wallet Acceptance: Let shoppers pay with Apple Pay and Google Pay for faster checkout.

   Payment Depot Integrations

   Integrations include Authorize.Net, Shopify, WooCommerce, BigCommerce, Magento, QuickBooks, OpenCart, and Zen Cart.

   Pros and Cons

   Pros:

   • Membership pricing lowers effective rates at higher volumes.
   • Includes a virtual terminal for keyed and phone payments.
   • Supports common retail hardware for in-store flexibility.

   Cons:

   • US merchant accounts only; no international onboarding.
   • Monthly fee can outweigh savings for low-volume sellers.
   Learn more about Payment Depot:

   • Check out Payment Depot on their website
2. 

   2

   Shopify POS

   Best for omnichannel retail sales

   • 3-day free trial
   • From $89/month

   Visit Website

   Customer Rating:4.4/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   For omnichannel retailers, Shopify POS ties in-store checkout to your online catalog, inventory, and customer data—so your team isn’t reconciling systems at midnight.

   You also get built-in card acceptance (Shopify Payments) plus Tap to Pay on iPhone and Android, which cuts hardware costs for smaller counters or pop-ups. It’s best for merchants already on Shopify who want unified inventory, BOPIS, and simple staff workflows.

   Why I Picked Shopify POS

   I picked Shopify POS because you get unified inventory across online and retail—your staff can sell from any location’s stock and avoid overselling through real-time quantity tracking.

   You can offer buy online, pick up in store through POS Pro, so customers reserve online and your team fulfills from the POS screen. Tap to Pay on iPhone and Android lets you accept contactless cards and wallets without extra hardware, which is great for events or queue-busting.

   The smart grid home screen speeds checkout by putting your most-used products, discounts, and apps on tiles your team can tap instantly. Finally, built-in Shopify Payments means your deposits, fees, and payout reporting live in the same dashboard your finance team already uses.

   Shopify POS Key Features

   Here are a few practical tools that pair directly with the reasons above.

   • Smart Grid Templates: Create and assign tile layouts per location to speed workflows at the register.
   • Buy In Store, Ship To Customer: Ring up an item at one store and ship from another location with stock.
   • Inventory And Finance Reports: Track sell-through, taxes, and payouts from the same admin your team uses daily.
   • Staff Roles And Permissions: Limit discounts, refunds, and sensitive views with role-based access controls.

   Shopify POS Integrations

   Integrations include QuickBooks Online, Mailchimp, Klaviyo, LoyaltyLion, Yotpo, ShipStation, UPS, DHL Express, and Canada Post.

   Pros and Cons

   Pros:

   • Unified online and store inventory reduces overselling and stockouts.
   • Tap to Pay on iPhone/Android cuts card reader hardware costs.
   • BOPIS and in-store returns live inside the POS workflow.

   Cons:

   • Extra fees apply when using external payment gateways.
   • Shopify Payments availability limits full functionality in some countries.
   Learn more about Shopify POS:

   • Check out Shopify POS on their website
   • Read my in-depth review of Shopify POS
   • Explore best alternatives to Shopify POS
3. 

   3

   Stax

   Best for transparent pricing and in-house support

   • Free demo available
   • From $99/month

   Visit Website

   Customer Rating:4.2/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   For high-volume US merchants tired of padded markups, Stax Pay’s membership pricing can flatten your processing costs—especially if your average ticket is healthy.

   You also get built-in surcharging via CardX to offset credit card fees where legal, plus next-day funding and a virtual terminal for phone or invoice payments.

   It’s best for established retailers and B2B sellers who value predictable costs and need both in-person and online acceptance.

   Why I Picked Stax Pay

   I picked Stax Pay because the flat monthly membership plus interchange gives you predictable costs at scale—your savings come from fees you can actually forecast.

   You can also protect margins through compliant surcharging via CardX, with disclosure tools and automated calculations that keep you within card network rules. For daily operations, your team gets a virtual terminal for keyed payments and invoicing, along with next-day funding to improve cash flow.

   Hardware is flexible—you can pair compatible terminals for counter, mobile, or curbside without getting locked into a single OEM. I also like that ACH is available as a lower-cost option for large B2B invoices.

   Stax Pay Key Features

   • Membership Pricing Model: Pay a flat monthly fee plus pass-through interchange for more predictable costs.
   • Compliant Surcharging (CardX): Add card surcharges where permitted with built-in disclosures and reporting.
   • Virtual Terminal & Invoicing: Key cards securely, send invoices, and accept payments without a POS.
   • Next-Day Funding: Accelerate deposits on eligible transactions to keep inventory moving.

   Stax Pay Integrations

   Integrations include QuickBooks Online, QuickBooks Desktop, WooCommerce, and Magento (Adobe Commerce).

   Pros and Cons

   Pros:

   • Membership pricing benefits higher monthly volume and larger tickets.
   • CardX surcharging helps offset card costs where legally allowed.
   • Next-day funding available for faster access to settled funds.

   Cons:

   • Monthly fee can outweigh savings for low-volume businesses.
   • Primarily supports US merchants; limited global availability.
   Learn more about Stax:

   • Check out Stax on their website
4. 

   4

   CardX by Stax

   Best for 0% cost credit card processing

   • From $29/month

   Visit Website

   

   For retailers who want to offset rising interchange without playing whack-a-mole with state rules, CardX by Stax lets you pass eligible credit card fees to customers—while automatically blocking surcharges on debit.

   It’s a smart fit for US merchants with in-store or online sales who care about margin protection and compliance you don’t have to babysit.

   Why I Picked CardX by Stax

   I picked CardX by Stax because it pairs margin protection with real compliance tech—you get automated card-type detection that only applies fees to credit, not debit, so you stay within card-network and state rules.

   Your team gets compliant receipts and required disclosures out of the box, which means fewer headaches during audits and fewer disputes at the counter.

   For omnichannel setups, you can accept payments online, in-office, or in-person using the same surcharge logic, so policies stay consistent across channels. Availability covers most of the US, and published uptime targets are enterprise-grade, so you’re not gambling with outages on busy weekends.

   Net: you keep more of every eligible credit sale, backed by tooling that actually enforces the policy, not just promises it.

   CardX by Stax Key Features

   In addition to surcharge compliance, here are practical tools retailers will actually use.

   • Debit Auto-Detection: Identifies debit at entry and removes surcharges automatically.
   • Compliant Receipts & Signage: Generates line-item fee disclosures and required notices for audits.
   • Omnichannel Acceptance: Apply the same surcharge rules across online, in-office, and in-person sales.
   • Reporting & Reconciliation: Track fee savings, deposits, and trends from a single dashboard.

   CardX by Stax Integrations

   Integrations include Stax Pay, Stax Connect, Stax Bill, and Stax Processing.

   Pros and Cons

   Pros:

   • Automated surcharge logic enforces credit-only rules across channels.
   • Built-in receipt disclosures reduce compliance risk at the POS.
   • Helps protect margins on eligible credit transactions at scale.

   Cons:

   • Not available for merchants in Connecticut or Massachusetts.
   • Debit transactions still incur merchant processing costs.
   Learn more about CardX by Stax:

   • Check out CardX by Stax on their website
5. 

   5

   Swipesum

   Best for accessing multiple payment processors

   • Free plan available
   • From $50/hour

   Visit Website

   Customer Rating:4.8/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   For retailers who want leverage with processors—not lock-in—Swipesum pairs fee expertise with a processor-agnostic platform.

   You get help auditing statements, choosing the right processor, and managing disputes—ideal for multi-location, B2B, and omnichannel teams that care about total cost, not just a teaser rate.

   Why I Picked Swipesum

   I picked Swipesum because you keep control—its back-end-agnostic approach lets you choose from major processors without re-platforming your stack. You’ll actually lower your effective rate through statement audits and ongoing rate checks, not hand-waving.

   Dedicated account managers handle the messy parts—negotiations, renewals, and provider changes—so your team isn’t stuck deciphering surcharge tables at 10PM. When you outgrow a provider, you can switch through the same Swipesum layer, reducing operational risk.

   I also like that they support complex environments, from retail + ecommerce to B2B invoicing.

   Swipesum Key Features

   Here are the practical tools that support that flexibility.

   • Staitment Fee Monitoring: Uses automated statement analysis to flag padded fees and rate changes before they balloon.
   • Chargeback Management Assistance: Provides hands-on help to identify causes, submit evidence, and improve win rates.
   • Free Gateway Setup: Configures a payment gateway for new users to shorten time to first transaction.
   • Engineering Support: Helps with custom integrations and tricky edge cases across POS, ERP, and ecommerce.

   Swipesum Integrations

   Integrations include Shopify, BigCommerce, WooCommerce, Magento, Stripe, Square, Clover, Lightspeed, NetSuite, and QuickBooks.

   Pros and Cons

   Pros:

   • Direct support for chargebacks reduces write-offs and staff time.
   • Automated statement audits catch hidden fees and rate drift.
   • Processor-agnostic model lets you pick and change providers.

   Cons:

   • Customized solutions can take longer to implement.
   • Not a fit if you want a pure self-service setup.
   Learn more about Swipesum:

   • Check out Swipesum on their website
6. 

   6

   Helcim

   Best for versatility, with included POS

   • Free demo available
   • From Interchange + 0.40% + 8¢ (varies by volume)

   Visit Website

   Customer Rating:4.4/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   For retailers that want transparent interchange-plus rates without monthly fees, Helcim gives you in-store, online, and invoice payments in one place.

   You get a free virtual terminal, built-in POS with basic inventory, ACH/EFT for lower-cost bank payments, and optional surcharging for margin protection—best for US and Canada merchants who value cost clarity and practical tools.

   Why I Picked Helcim

   I picked Helcim because you get interchange-plus pricing with volume-based margins, so your effective rate can drop as you process more. You can take keyed, card-present, and ACH payments through the free Virtual Terminal, which helps with phone orders and on-account customers.

   For in-person sales, the Smart Terminal includes a POS app and receipt printing, so your team can ring up sales without extra software. If you need to protect margins on credit cards, Helcim’s Fee Saver lets you enable compliant surcharging on eligible transactions.

   I also like that customer profiles—cards on file, saved ACH details, and past invoices—live in a built-in CRM, so repeat payments are faster.

   Helcim Key Features

   In addition to the pricing and terminals above, here are payment features teams actually use day to day.

   • Payment Pages & Links: Spin up hosted checkout pages or links to get paid without custom development.
   • Recurring Billing & Invoicing: Schedule subscriptions, send invoices, and auto-collect via card or ACH.
   • Customer Manager (Vaulting): Store cards and bank accounts on file securely to speed up repeat charges.
   • Reports & Payout Reconciliation: Track fees, deposits, and statements to keep accounting tidy.

   Helcim Integrations

   Integrations include QuickBooks Online, Xero, WooCommerce, Magento 2, Foxy.io, WHMCS, and Drupal.

   Pros and Cons

   Pros:

   • Interchange-plus pricing with volume discounts lowers effective rates over time.
   • Smart Terminal includes POS app and receipt printing for counter sales.
   • ACH/EFT acceptance cuts costs for B2B, services, and high-ticket orders.

   Cons:

   • Not available for many high-risk industries; underwriting is conservative.
   • Interchange-plus can be pricier on micro-tickets vs some flat-rate options.
   Learn more about Helcim:

   • Check out Helcim on their website
   • Read my in-depth review of Helcim
7. 

   7

   Clover

   Best combination of POS and payment processors

   • 90-day free trial
   • From $16/month

   Visit Website

   Customer Rating:3.8/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   For growing retailers that want POS and payments in one place, Clover pairs countertop hardware with web tools you’ll actually use—virtual terminal, mobile, and multi-location controls.

   It’s best for small and midsize stores and quick-service spots that need reliable in-person processing today, plus simple paths to online checkout and accounting tomorrow.

   Why I Picked Clover

   I picked Clover because you can cover day-to-day selling—chip, tap, keyed, and invoices—while your team gets nightly sales synced into accounting, so reconciliation doesn’t eat your mornings.

   You get a browser-based virtual terminal for phone orders, backed by tokenized card storage to speed returning customers. The mobile app lets you ring sales and view deposits anywhere, which is handy when you’re staffing thin.

   For multi-location retailers, a central dashboard pushes menu, price, and tax updates to every device, so changes happen once—not store by store. Terms and pricing are transparent on the site, and you have 24/7 phone support when things go sideways five minutes before close.

   Clover Key Features

   In addition to the reasons above, here are practical tools retailers tend to lean on.

   • Virtual Terminal: Key in payments from any browser for phone and mail orders.
   • Rapid Deposits: Access eligible funds early for a small fee when cash is tight.
   • Multi-Location Controls: Update items, pricing, and taxes across all stores from one dashboard.
   • Dispute Management: Track chargebacks and respond with required docs from your merchant portal.

   Clover Integrations

   Integrations include QuickBooks, Xero, Homebase, Gusto, Shopify, BigCommerce, WooCommerce, and Yelp.

   Pros and Cons

   Pros:

   • Virtual terminal handles phone orders without extra hardware.
   • Centralized multi-location updates save time and prevent mismatched pricing.
   • App Market extends POS with payroll, scheduling, and tax tools.

   Cons:

   • Online processing rates are higher than in-person transactions.
   • Pricing and plan options can feel complex for first-time buyers.
   Learn more about Clover:

   • Check out Clover on their website
   • Read my in-depth review of Clover
8. 

   8

   Merchant One

   Best for next-day funding

   • Free quote available
   • Pricing upon request

   Visit Website

   Customer Rating:5/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   For retailers that care about cash flow, Merchant One prioritizes fast deposits—next-day funding for eligible accounts—and gives you practical ways to take cards in-store, online, and on the go.

   It’s a fit for US merchants who want Clover hardware options, a virtual terminal with recurring billing, and mobile acceptance without rebuilding their POS or ecommerce stack.

   Why I Picked Merchant One

   I picked Merchant One because you can protect cash flow through next-day funding, backed by processor-level batch funding (confirm cutoffs and eligibility).

   You also get a virtual terminal for keyed and card-not-present payments, including recurring billing and card-on-file storage—useful for subscriptions or invoicing. If you need mobility, you can take EMV and contactless payments via supported readers like Clover Go or Swift B250.

   For storefronts, Clover POS options and countertop terminals cover chip, tap, and magstripe with PCI-focused tooling. Dedicated setup and 24/7 support help non-technical teams get live quickly without custom development.

   Merchant One Key Features

   In addition to the funding speed and hardware options, here are tools you’ll actually use day to day.

   • Virtual Terminal & Recurring Billing: Key in payments and set automated charges from a secure browser.
   • Customer Vault: Store cards securely for repeat buyers and faster checkouts.
   • Invoice Generator & Buy Now Buttons: Send invoices or add hosted checkout links without extra plugins.
   • QuickBooks Plugin: Sync deposits and reduce manual reconciliation work.

   Merchant One Integrations

   Integrations include Authorize.net, Payeezy Gateway, Payflow Pro, Paytrace Gateway, USAePay, Aloha, Micros, and Maitre’D.

   Pros and Cons

   Pros:

   • Next-day funding available to eligible merchants for faster deposits.
   • Clover POS options plus countertop and mobile EMV readers.
   • Virtual terminal with recurring billing, invoicing, and QuickBooks plugin.

   Cons:

   • Multi-year contracts and early termination fees reported by reviewers.
   • Qualified-tier pricing and fees may feel opaque without schedules.
   Learn more about Merchant One:

   • Check out Merchant One on their website
   • Read my in-depth review of Merchant One
9. 

   9

   Stripe

   Best for global online sellers

   • Free plan + Free demo available
   • From $0/month

   Visit Website

   Customer Rating:4.6/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   For global-first retailers, Stripe takes the pain out of accepting cards across borders—multi-currency pricing, high authorization rates, and solid fraud tools.

   It’s best for teams selling mostly online that want subscription billing, invoicing, and the option to add in-person payments without switching processors.

   Why I Picked Stripe

   I picked Stripe because you get high acceptance rates through features like Adaptive Acceptance, which automatically retries declined card payments using issuer-informed signals—you keep more of the sales you’ve already earned.

   You can spin up new channels fast using Payment Links and Checkout, so your team accepts cards without writing code. If you sell in-store, Terminal and Tap to Pay on iPhone turn card-present into an easy add-on—no new gateway or merchant account.

   Global selling is practical here: you can price in 135+ currencies and settle in your home currency, so international card acceptance doesn’t become a reconciliation nightmare.

   Stripe Key Features

   In addition to the above, here are a few payment ops features retailers actually use.

   • Radar Fraud Detection: ML-based risk scoring and rules you control to block bad card activity.
   • Chargeback Protection: Optional add-on that auto-covers qualifying card disputes to cap downside.
   • Network Tokens & Card Updater: Keep cards current and reduce declines with automatic credential updates.
   • Financial Reporting & Payouts: Unified reports, deposit reconciliation, and configurable payout schedules.

   Stripe Integrations

   Integrations include WooCommerce, Squarespace, Wix, BigCommerce, Salesforce, NetSuite, Xero, DocuSign, and Mailchimp.

   Pros and Cons

   Pros:

   • Global card acceptance with 135+ currencies and local methods.
   • Adaptive Acceptance and network tokens improve card authorization rates.
   • Add in-person sales via Terminal and Tap to Pay without changing gateways.

   Cons:

   • Not available to merchants in certain countries (e.g., China).
   • Flat-rate pricing can be costly for high-volume, card-present retailers.
   Learn more about Stripe:

   • Check out Stripe on their website
   • Read my in-depth review of Stripe
   • Explore best alternatives to Stripe
10. 

    10

    EBizCharge

    Best for B2B businesses

    • Not available
    • Pricing upon request

    Visit Website

    Customer Rating:4.7/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

    

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    For B2B teams living inside an ERP, EBizCharge cuts the busywork from getting paid—your staff runs cards and ACH where they already invoice, and payments post back automatically.

    It’s a good fit for US and Canadian businesses that want AR tools like payment links and a customer portal tied directly to accounting, with Level 2/3 savings for corporate cards.

    Why I Picked EBizCharge

    I picked EBizCharge because you can accept cards and ACH directly in systems like NetSuite, Acumatica, QuickBooks, Sage, and Dynamics—payments apply to invoices and update A/R without exports.

    You also get practical AR tools: email pay links, a branded customer portal, and hosted checkout pages that let you collect faster without custom development. For B2B, it supports Level 2/3 data so your qualifying transactions can clear at lower interchange, which matters when tickets are large.

    Security is handled with tokenization and 3D Secure, so you can save cards on file while reducing risk. If you need to protect margins, a built-in surcharging module detects debit and only adds fees to eligible credit transactions.

    EBizCharge Key Features

    Here are a few extras that pair well with the ERP-native workflow.

    • Hosted Checkouts: Launch branded, PCI-compliant payment pages to take online payments without code.
    • Virtual Terminal: Key in phone and mail orders from a browser, tied to invoices and sales orders.
    • Advanced Reporting: Search and export transaction data to reconcile deposits and monitor chargebacks.
    • Surcharge Program: Automatically apply compliant credit-card surcharges and block debit from being surcharged.

    EBizCharge Integrations

    Integrations include Acumatica, NetSuite, QuickBooks Desktop, QuickBooks Online, Microsoft Dynamics 365 Business Central, Sage 100, SAP Business One, Salesforce, Magento, and BigCommerce.

    Pros and Cons

    Pros:

    • Posts payments back to ERP A/R automatically—less reconciliation work.
    • Customer portal with saved cards speeds collections and reduces DSO.
    • Level 2/3 support lowers interchange on qualifying B2B transactions.

    Cons:

    • Quote-based pricing—no public rates for quick comparison.
    • Surcharging covers credit only; debit transactions still carry fees.
    Learn more about EBizCharge:

    • Check out EBizCharge on their website