The Top Online Payment Processing Companies for Your Business in 2025

In today’s digital-first economy, online payment processing companies play a crucial role in enabling businesses to accept payments seamlessly. Whether you run an e-commerce store, a subscription service, or a brick-and-mortar shop with an online presence, choosing the right payment processing solution can significantly impact your cash flow, customer satisfaction, and overall business growth.

With so many payment processing services available, selecting the best one for your business can be challenging. This guide explores the best payment processing companies in 2025, comparing their fee structures, payment methods, and key features to help you make an informed decision.

Why Your Business Needs a Reliable Payment Processor

A payment processing system acts as the intermediary between your merchant’s account and your customer’s bank account, ensuring smooth online transactions. Key benefits include:

• Seamless transactions across multiple sales channels (online, mobile, in-person).

• Support for various payment methods, including credit card payments, bank transfers, digital wallets (like Apple Pay, Google Pay, and Samsung Pay), and direct debit.

• Faster access to funds, improving cash flow.

• Secure handling of card transactions with fraud prevention measures.

• Integration with business systems and accounting software for streamlined operations.

Now, let’s dive into the top payment processing companies in 2025.

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1. PayPal

Overview

PayPal remains one of the most popular payment platforms, trusted by millions of online businesses and consumers worldwide.

Key Features

• Supports credit card payments, bank transfers, and digital wallets.

• Payment links for easy invoicing.

• Recurring billing for subscriptions.

• Hosted payments for secure checkout.

• Local acquiring capabilities for better approval rates in international markets.

Fee Structure

• Online payments: 2.9% + fixed processing fee (varies by currency).

• In-person payments: 1.9% + fixed fee (using PayPal Zettle).

• International transactions: Additional cross-border payments fee (up to 1.5%).

Best For

Small to large businesses needing a widely recognized payments system with strong global payment support.

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2. Stripe

Overview

Stripe is a developer-friendly payment gateway known for its powerful API and customization options.

Key Features

• Supports credit card transactions, Apple Pay, Google Pay, and bank transfers.

• Recurring payments for SaaS and subscription models.

• Cross-border payments with local acquiring capabilities.

• Integrates with existing systems and accounting software.

Fee Structure

• Card payments: 1.4% + 20p (UK), 2.9% + 30¢ (international).

• Bank transfers: 0.8% (max £5).

• No monthly fees, but currency conversion fees apply.

Best For

Tech-savvy businesses needing a scalable payment processing solution with advanced features.

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3. Square

Overview

Square offers a unified payment processing system for both online payments and in-person payment processing.

Key Features

• Card payments via POS, payment links, and invoicing.

• Mobile payments with Square Reader.

• Digital wallets (Apple Pay, Google Pay).

• Recurring billing and hosted payments.

Fee Structure

• Online transactions: 1.9% + 20p (UK).

• In-person: 1.75% per tap/dip/swipe.

• No hidden fees, transparent fixed fee structure.

Best For

Retailers and restaurants needing an all-in-one payment processing solution.

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4. Adyen

Overview

Adyen is a global payment processor specializing in international payments with lower fees for high-volume merchants.

Key Features

• Unified payments system across sales channels.

• Supports credit card, bank transfers, and digital wallets.

• Local acquiring capabilities in multiple countries.

• Advanced fraud detection.

Fee Structure

• Interchange++ pricing (transparent, varies by card type).

• No monthly fees, but minimum spend may apply.

Best For

Enterprise businesses with high cross-border payments needs.

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5. Worldpay (FIS)

Overview

A leading payment network, Worldpay supports international transactions and merchant’s account solutions.

Key Features

• Credit card payments, direct debit, and bank transfers.

• Recurring payments and hosted payments.

• Currency conversion for overseas customers.

Fee Structure

• Custom pricing based on business size.

• Transaction fees vary by payment methods.

Best For

Large businesses needing a robust payment processing solution with global payment support.

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6. SumUp

Overview

SumUp is a cost-effective payment processor for small businesses.

Key Features

• Card payments via mobile reader.

• In-person and online payments.

• Simple fee structure with no monthly fees.

Fee Structure

• Fixed fee of 1.69% per transaction.

Best For

Small businesses and sole traders needing lower fees.

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7. Revolut Business

Overview

Revolut offers payment processing services with multi-currency support.

Key Features

• International payments in preferred currency.

• Debit cards for business spending.

• Accounting software integration.

Fee Structure

• Free UK transfers, low-cost international transactions.

Best For

Startups and SMEs with overseas customers.

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Choosing the Best Payment Processing Company for Your Business

When selecting a payment gateway, consider:

✅ Transaction fees and hidden fees
✅ Supported payment methods (credit card, digital wallets, etc.)
✅ International payments and currency conversion
✅ Integration with business account and accounting software
✅ Recurring billing for subscriptions

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Final Thoughts

The right payment processing solution can streamline online transactions, reduce costs, and improve customer experience. Whether you need mobile payments, cross-border payments, or in-person payment processing, the best payment gateway depends on your business size, industry, and transaction volume.

By comparing payment processing companies like PayPal, Stripe, and Square, you can find a system that aligns with your needs, helping you process payments efficiently and grow your business in 2025 and beyond.

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FAQs

Q: Which payment processor has the lowest fees?
A: SumUp and Revolut Business offer competitive lower fees for small businesses.

Q: Can I accept international payments easily?
A: Adyen, PayPal, and Stripe provide strong cross-border payments support.

Q: What’s the best payment gateway for subscriptions?
A: Stripe and PayPal offer excellent recurring payments features.

By leveraging the right payment processing services, your business can enhance cash flow, expand globally, and provide seamless transactions for customers.