PayoutCalcs: The Real Payout for the Marketplace Hustler
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Which Payment Processor Should I Use?

Answer a few quick questions about how and where you take payment, and we'll match you to Stripe, Square, PayPal or a generic credit-card processing setup.

Stripe, Square and PayPal all move card payments, but they're built for different sellers: developers building custom checkouts, shops taking payment in person, and people who just need to send a payment request without a website, respectively. A fourth path -- interchange-plus pricing through a dedicated processor -- can beat all three at high volume if you know your card mix.

This finder asks how you take payment, whether you have developer resources, what matters most to you, and how much you process monthly, then matches you to the best-fit option out of these four. Every result links straight to that processor's fee calculator so you can see your exact numbers before you commit.

How the matching works

The finder asks how you take payment, whether you have developer resources, what matters most to you and how much you process each month. It then matches you to one of four options: Stripe, Square, PayPal or a general interchange-plus processing setup.

What each result is for

Stripe suits developers building custom checkouts and online-first businesses. Square suits shops that take payment in person and want card readers that work out of the box. PayPal suits people who just need to send a payment request without a website. Interchange-plus pricing through a dedicated processor can beat all three at high volume if you know your card mix, but it needs more setup and more volume to be worth it.

Check the numbers

Every result links to that processor’s fee calculator, so you can see your exact numbers before you decide. Rates are published and change, so confirm the current rate with the processor.

ResultBest for
StripeThe developer-friendly choice for custom checkouts, online-first businesses and software integrations.
SquareThe out-of-the-box choice for in-person selling, with the best card-reader hardware and a simple combined online option.
PayPalThe simplest way to get paid without a website -- send a link or invoice and get paid by a brand your customers already trust.
Generic Credit Card Processing (Interchange-Plus)The best option once you process serious volume and know your card mix -- or the safe next step if your business needs a specialist, high-risk-aware processor.

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