10 melhores serviços de contas de comerciante para comércio eletrónico em 2026

Avaliações dos melhores serviços de contas de comerciante

1. 

   1

   Payouts

   Best for global accounts

   • Free plan available
   • Pricing upon request

   Visit Website

   Customer Rating:4.5/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Payouts is a financial technology platform designed for businesses to automate and manage vendor payouts, particularly in industries such as affiliate marketing, influencer marketing, and gaming. 

   Why I picked Payouts: It offers a global accounts feature that allows your business to hold and manage funds in multiple currencies, making international transactions simpler and reducing the costs associated with currency conversions. Another benefit is Payouts.com's payout automation. This feature automates the process of sending payments to vendors and partners, reducing manual work and the chance of errors.

   Payouts Standout Features and Integrations

   Features include a vendor relationship suite that streamlines onboarding, verification, and compliance through a unified platform. The site also emphasizes flexible payout methods, supporting various payment methods such as eWallets, bank transfers, and cryptocurrencies.

   Integrations include Everflow, CJ Affiliate, Awin, PayPal, Venmo, Payoneer, NetSuite, Priority, Workday, Skrill, and Tune.

   Pros and Cons

   Pros:

   • Multiple payout methods
   • Comprehensive automation of accounts payable processes
   • Supports scaling operations

   Cons:

   • Doesn't offer credit card processing
   • Potential challenges integrating with existing systems
   Learn more about Payouts:

   • Check out Payouts on their website
2. 

   2

   Stax

   Best for transparent payment processing

   • Free demo available
   • From $99/month

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

   

   Stax Pay is a valuable payment processing platform designed to support businesses and SaaS platforms with cost-effective payment solutions. It features automated subscription billing to help manage recurring payments and reduce late or failed transactions. Additionally, Stax Pay supports compliant surcharging, allowing businesses to pass on credit card processing fees to customers while adhering to industry standards.

   Why I chose Stax Pay: Stax Pay is an all-in-one platform that not only simplifies payment processing but also provides a range of capabilities such as surcharging, equipment, lending, mobile payments, and e-commerce solutions. This breadth of services, combined with a commitment to transparency and customer support, positions Stax Pay as a versatile and reliable partner for businesses seeking merchant account services.

   Stax Pay also offers up to 40% savings on payment processing fees to assist businesses in managing their transactions efficiently.

   Stax Pay Standout Features and Integrations

   Features include payment processing, invoicing, inventory management, recurring billing, customer management, financial reporting, multi-location support, and customizable digital receipts. The platform also provides advanced security features, integration capabilities with various business tools, and real-time transaction monitoring.

   Integrations include Slack, Zapier, Microsoft Office, Google Suite, and CRMs. Additionally, Stax Pay allows for easy integration of payment processing capabilities into software and mobile apps with comprehensive mobile software development kits in Javascript and Python, and a language-agnostic RESTful API.

   Pros and Cons

   Pros:

   • Flat-rate subscription pricing
   • Easy integration across multiple systems
   • Advanced security features

   Cons:

   • Higher cost for lower-volume merchants
   • Limited international support
   Learn more about Stax:

   • Check out Stax on their website
3. 

   3

   CardX by Stax

   Best for 0% cost credit card processing

   • From $29/month

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   CardX by Stax is a payment processing tool that allows businesses to accept credit card payments at 0% cost, ensuring compliance with surcharging regulations. It offers online, in-office, and in-person payment processing solutions, enabling businesses to keep 100% of their credit card sales while automatically adhering to all rules and regulations.

   Why I picked CardX by Stax: CardX by Stax stands out for its seamless surcharging compliance and automated compliance, making it easy for businesses to accept credit cards at 0% cost. This makes it the best choice for businesses looking for a payment processing solution that is fully compliant and allows them to keep all of their sales revenue.

   Additionally, CardX by Stax provides secure payment options for online, in-office, and in-person transactions, and ensure compliance with all rules and regulations. Their automated compliance and cost-saving features make them a leader in surcharge compliance for businesses and government and educational institutions.

   CardX by Stax Standout Features and Integrations

   Features include transparent pricing, no hidden fees, compliance with surcharging regulations, easy integration, enhanced convenience, efficiency for businesses, customer support, real-time reporting, secure transactions, and fraud prevention tools.

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

   Pros and Cons

   Pros:

   • Integrations with several POS systems
   • Advanced reporting tools for transaction insights
   • Customizable surcharge rules

   Cons:

   • Potential integration challenges with less common payment systems
   • Limited international support
   Learn more about CardX by Stax:

   • Check out CardX by Stax on their website
4. 

   4

   Payment Depot

   Best for taking credit card payments

   • 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.

   

   Payment Depot is a highly-rated merchant account provider, owned by Stax. Its membership-style offering helps customers save on fees, but its credit card processing capabilities are where I think the company really shines.

   Why I picked Payment Depot: If you’re a B2B business that processes a lot of credit card payments, I think you’ll love Payment Depot’s offering. It uses a payment gateway called PayTrace, which automatically fills data fields required to get level II and level III rates on business cards. Combine this with Payment Depot’s flat membership fee, and it’s a solid offering. As long as you don’t want a load of cutting-edge features, I think you’ll find Payment Depot hard to beat.

   Payment Depot Standout Features and Integrations

   Features aren’t quite as bountiful with Payment Depot as other providers in this list, if I’m honest. What you see is what you get. One feature I think brick-and-mortar merchants might love, however, is the wide range of POS equipment, courtesy of Clover, that Payment Depot provides.

   Integrations include most major e-commerce platforms like Shopify and Magento, as well as Quickbooks, Revel, NCR, and Authorize.net.

   Pros and Cons

   Pros:

   • No cancellation fees
   • Great customer service
   • No hidden fees

   Cons:

   • Not cost-effective at low volumes
   • No additional payment services like invoices
   Learn more about Payment Depot:

   • Check out Payment Depot on their website
5. 

   5

   Swipesum

   Best for access to various merchant types

   • 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.

   

   Swipesum is a payment processing service that combines consulting with a wide range of back-end payment solutions, making it a flexible option for businesses of all sizes. Acting as an advisor, Swipesum provides tailored payment solutions by assessing a business's needs and matching them with the best options available, all without locking users into a single provider.

   Why I picked Swipesum: Swipesum’s merchant account services stand out for businesses seeking versatility and optimization in their payment processing. It operates independently of specific processors, offering companies the flexibility to connect with the best-suited payment solutions for their needs—all from Swipesum's platform. Beyond simply processing transactions, Swipesum audits merchant statements and manages rate negotiation, helping businesses lower transaction fees over time.

   Swipesum Standout Features and Integrations

   Features include a powerful AI-based feature that scans and audits transaction statements, detecting and addressing hidden fees and potential savings. Additionally, their service includes chargeback management, helping reduce fraud-related costs by tackling disputes early. Finally, Swipesum’s dedicated account management provides direct, accessible support.

   Integrations include Shopify, NetSuite, Stripe, Square, WooCommerce, Magento, BigCommerce, QuickBooks, Sage, Oracle, Salesforce, and Zoho. 

   Pros and Cons

   Pros:

   • Supports chargeback management and fraud prevention
   • AI-driven statement analysis for transparent fee management
   • Processor-agnostic approach allows flexible provider options

   Cons:

   • Not ideal for businesses preferring a self-service setup
   • Customized solutions can take longer to set up
   Learn more about Swipesum:

   • Check out Swipesum on their website
6. 

   6

   Helcim

   Best budget-friendly option

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

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

   

   Helcim is a suite of payment solutions that help businesses take payments online and in-store. They offer many of the same features as other merchant account services on this list, but what sets Helcim apart is their pricing. There are no monthly fees and you get the lowest interchange rate for every transaction.

   Why I picked Helcim: I think the company offers exceptional value for money, plain and simple. Helcim uses an “interchange plus” pricing model, which means the cost for each transaction fluctuates based on the underlying interchange rate. So when payments are processed at a lower interchange rate, your business gets the savings, not Helcim. I also think businesses will appreciate the fact that the company decreases its margin the more payments you process with them.

   Helcim’s pricing structure also means you don’t have to pay a monthly subscription to access the platform. I like that point-of-sale software, online checkouts, and virtual terminals are all available for free.

   Helcim Standout Features and Integrations

   Features like an online checkout, card reader, and virtual terminal are just a small part of Helcim’s appeal in my view. I think what really sets the company apart from other businesses in my list is its pricing, as discussed above, and its customer service—who you can contact by phone, email, or social media.

   Integrations let you connect Helcim with a range of third-party tools. These are split into three groups: accounting services (like QuickBooks), shopping carts (like Magento), and billing systems (like Great Exposure).

   Pros and Cons

   Pros:

   • All-inclusive platform
   • No monthly fees
   • Very low transaction rates

   Cons:

   • Not suitable for high-risk businesses
   • Forecasting costs can be difficult
   Learn more about Helcim:

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

   7

   Merchant One

   Best for custom solutions

   • Free quote available
   • Pricing upon request

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

   

   Merchant One is a full-service credit card processing provider with a focus on custom solutions. The company provides a range of payment solutions, but every package is tailored to merchants.

   Why I picked Merchant One: I think the company’s flexibility is unrivaled. You don’t need to buy specific hardware to use Merchant One’s payment gateway service, for instance. That’s because the company provides a range of advanced API and SDK-based features that allow you to deploy Merchant One’s software on your existing terminals. I like that you aren’t left to figure this out on your own, either. The company provides integration examples, an integration guide, and API documentation.

   Merchant One Standout Features and Integrations

   Features include the merchant gateway service I have described above for card not present and online transactions. I think merchants will also appreciate that Merchant One provides several credit card terminals, as well as a range of Clover products, all pre-loaded with its software. iPhone and Android card readers are also available.

   Integrations are possible through Merchant One’s API, meaning you can connect the company’s software to any existing POS hardware.

   Pros and Cons

   Pros:

   • Excellent customer support
   • No setup fee
   • Highly customizable solution

   Cons:

   • Can be expensive
   • Long-term contract
   Learn more about Merchant One:

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

   8

   Stripe

   Best for digital businesses

   • 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.

   

   Stripe is a global payments platform that provides software and APIs to help businesses take payments. Like Stax, it offers a range of additional features such as invoicing terminal solutions, but it's particularly geared towards online businesses.

   Why I picked Stripe: Speed and simplicity. That’s the two words that come to mind when I think of Stripe Checkout. It’s probably the easiest tool in my list to use to create a hosted checkout page, integrate it with your website platform, and start taking payments. I love that you don’t need to know how to code to get started, either. But if you are more technically minded, then you can use Stripe Elements to design your own payment flow. It’s basically got something for everyone.

   It’s pretty common for online businesses to serve a global audience, which is another reason to choose Stripe. The platform supports over 135 currencies, as well as localized options like Alipay.

   Stripe Standout Features and Integrations

   Features that I think set Stripe apart from other tools in my list include its suite of pre-built payment products. This includes a checkout page, recurring billing functionality, and payment links, as well as payment processing. If you’re a developer, then you’ll love that Stripe makes it easy to build your own payment tools with access to APIs and low-code solutions.

   Integrations are available with dozens of business tools, including e-commerce platforms like BigCommerce, bookkeeping software like Bench Accounting, and data platforms like Databox.

   Pros and Cons

   Pros:

   • Secure transactions
   • Flexibility to build custom systems
   • Huge range of payment tools

   Cons:

   • Expensive processing rates
   • User Interface can be confusing
   Learn more about Stripe:

   • Check out Stripe on their website
   • Read my in-depth review of Stripe
   • Explore best alternatives to Stripe
9. 

   9

   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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   EBizCharge is a merchant account service that helps B2B businesses accept credit card and eCheck payments across multiple sales channels—online, in person, over the phone, and on mobile. It integrates directly into ERP, CRM, accounting, and ecommerce platforms to manage payments where you're already working.

   Why I picked EBizCharge: I picked EBizCharge because it gives you full control over your merchant account services without needing extra tools. You have the flexibility to collect payments through email links, virtual terminals, hosted checkouts, or in person using EMV machines. It also supports saved cards, recurring billing, and auto payments, which help reduce manual work. Invoices and payments sync automatically into your accounting system, cutting down on errors. 

   EBizCharge Standout Features and Integrations

   Features include a customer portal where clients can log in to view and pay open invoices at their convenience. The reporting tools let you sort, filter, and export payment data based on over 50 criteria, giving you visibility into everything from late payments to processing trends. For security, the platform uses tokenization, encryption, and customizable fraud modules.

   Integrations include Acumatica, QuickBooks Desktop, QuickBooks Online, NetSuite, Microsoft Dynamics, Magento, BigCommerce, Salesforce, Zoho CRM, WooCommerce, Volusion, and Shopify.

   Pros and Cons

   Pros:

   • Secure card data storage with tokenization
   • Easy invoice payment for customers via portals
   • Integrates well with accounting platforms

   Cons:

   • Limited language support
   • Initial setup can be time-consuming
   Learn more about EBizCharge:

   • Check out EBizCharge on their website
10. 

    10

    PayPal

    Best for non-technical business owners

    • Free plan + demo available
    • Pricing upon request

    Visit Website

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

    

    PayPal is probably the best-known online payment platform. It gives businesses the ability to take payments online and in person and offers built-in integrations for almost every e-commerce platform and CMS.

    Why I picked PayPal: You’ve probably already used PayPal to buy something online or send money to a friend. Using it for your business isn’t very different, which is why I think it’s perfect for the non-technical founder. I don’t think it’s a bad thing that customers expect to see a PayPal option at checkout, either.

    I like the fact that PayPal also has native integrations with every major e-commerce platform, including Shopify, BigCommerce, and WooCommerce. You can even use its POS offering, Zettle, to accept payments in person.

    PayPal Standout Features and Integrations

    Features include the full range of payment solutions — the minimum I’d expect from a big brand like PayPal. Functionality-wise, it doesn’t disappoint, however. You can add PayPal to your existing store or create a new checkout page with the platform. In-store payments are available through Zettle card readers, and reporting dashboards make it easy to keep track of everything.

    Integrations come as standard for most major e-commerce platforms like Shopify and BigCommerce. PayPal also integrates with bookkeeping tools like Xero and marketing tools like Keap.

    Pros and Cons

    Pros:

    • Intuitive platform
    • Very easy to integrate with websites and other applications
    • Widely known and trusted

    Cons:

    • Poor customer service
    • Expensive fees
    Learn more about PayPal:

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