Best eCommerce Merchant Accounts

Get Started With Stripe Payments

Total Rating	4.7
Fees & Rates4.7
Products & Services4.5
Contract5.0
Sales & Advertising Transparency5.0
Customer Service4.5
User Reviews4.1

Pros

Extensive customization options
Extensive international support
Affordable for low-volume businesses

Cons

Account stability issues
Can take technical skill to extract full utility
No support for high-risk businesses

Why We Chose Stripe As The Best eCommerce Merchant Account For Developers

Stripe is a very popular payment service provider with a massive feature set and a global reach. Stripe is a comprehensive payment processing solution that includes a payment gateway, payment processing, and many other ancillary services to run your eCommerce business.

Developers, in particular, will enjoy the excellent API tools Stripe offers for building a customized checkout for an eCommerce website. You can alternatively use a Stripe-hosted payment page if you only need a very basic eCommerce checkout -- or instead use Shopify if you want Stripe processing with a prebuilt eCommerce site (Stripe is the backend processor for Shopify Payments).

Stripe is open to merchants worldwide with numerous currency options and support for many alternative payment methods and local payment options across North America, the EU, and Asia.

Stripe Pricing

Stripe charges no monthly fee for its processing service and only charges a percentage and flat fee per transaction. Only advanced features such as subscription billing carry a monthly fee. Though Stripe has some enterprise-level customers that qualify for custom pricing, its flat-rate standard pricing works best for low-volume sellers.

Find pricing details below, including both standard fees and extra costs.

Pricing Overview

Item	Value
Pricing Starts At	$0/month
Contract Length	Month-to-month
Processing Model	Flat-rate
Card-present Transaction Fee	2.7% + $0.05
eCommerce Transaction Fee	2.9% + $0.30 (2.2% + $0.30 for nonprofits)
Keyed-in Transaction Fee	3.4% + $0.30
Equipment Cost	$59-$349

Extra Costs

Stripe Payments Extra Costs	Price
ACH Direct Debit	0.8% per transaction ($5 cap)
International Cards	+1.5%
Currency Conversion	+1%
Chargeback Fee	$15
Affirm	6% + $0.30
Klarna	5.99% + $0.30
Afterpay	6% + $0.30
Localized Payment Methods (From Outside Region)	1.5% + variable transaction fee
Tap To Pay Transactions	+$0.10
Invoicing	0.4% per transaction
Instant Payouts	1.5% ($0.50 minimum)

Monthly Plans

Stripe Payments Plans	Price	When To Use
Custom Domain	$10/month	If you want to use your own domain for customer-facing surfaces hosted by Stripe.
Billing	$620+/month (1 year contract)	If you need recurring revenue solutions such as subscription billing or a customer portal with self-managed plans.
Tax	$90/month (1 year contract)	If you need to automate tax calculation and collection on all your transactions.
Sigma	$10+/month	If you want to analyze your Stripe data using SQL.

Stripe Features

Below you can see a list of Stripe’s notable features and some areas where it is lacking. Note that Stripe is a payment service provider, so you don’t get a dedicated merchant account, and it’s not a suitable solution for high-risk businesses.

Strong points in Stripe’s favor include its international availability and its extensive API tools for customizable checkouts. Multichannel businesses that want to accept in-person payments in addition to eCommerce can do so using the Stripe Terminal SDK, but you will need developer expertise, as Stripe is not an “out of the box” POS solution.

Stripe Payments Features	Availability
Dedicated Merchant Account
PCI Compliance
High-Risk Accounts
International Accounts
Contactless Payments
ACH Processing
Digital Wallet Acceptance
EBT Acceptance
Virtual Terminal
Mobile POS Reader & App	With Stripe Terminal (requires programming experience)
Hosted Online Store	Hosted payment pages (not a fully featured store)
Payment Links
Payment Gateway Integrations	Stripe is its own payment gateway.
Shopping Cart Integrations
POS Integrations	With Stripe Terminal (requires programming experience)
BNPL Integrations
API Documentation
Currency Conversion
Recurring Billing
Invoicing
Cash Discount Program
Cryptocurrency Processing

When To Use Stripe

You have a low-risk business and the technical skills to build your own online checkout.

Braintree Payment Solutions: Best For PayPal Checkout

Braintree Payment Solutions

Get Started With Braintree Payment Solutions

Total Rating	4.5
Fees & Rates4.4
Products & Services5.0
Contract5.0
Sales & Advertising Transparency4.8
Customer Service3.8
User Reviews3.1

Pros

Part of PayPal’s ecosystem (integrates with other PayPal products)
Dedicated merchant account with gateway-only option
International reach
No monthly fee

Cons

High transaction fees
Minimal customer support
Doesn’t support high-risk businesses

Why We Chose Braintree For Best PayPal Checkout

PayPal Braintree (formerly just "Braintree") is PayPal's dedicated merchant account option, which means you will have better account stability than you'd get with a regular PayPal Business Account. You can think of Braintree as sort of the "next-level" of PayPal for PayPal merchants who have outgrown the service or want more customization options for their eCommerce website.

Multicurrency payments, awesome developer tools, extensive integrations, enhanced currency, and tools that help your website convert are just a few things to like about this eCommerce processor, not to mention its free price tag. Notably, Braintree is one of the only ways eCommerce merchants can accept PayPal and Venmo online without using PayPal (or Venmo) as their payment processor.

Optionally, you can use Braintree as a gateway-only option to integrate with a merchant account of your choice (for example, if you already have a merchant account you like for in-person selling and just need a payment gateway for online sales), though this option carries a monthly fee.

PayPal Braintree Pricing

Braintree’s pricing is as follows:

Pricing Overview

Item	Value
Pricing Starts At	$0/month
Contract Length	Month-to-month
Processing Model	Flat-rate
Card-present Transaction Fee	N/A
eCommerce Transaction Fee	2.59% + $0.49 (1.99% + $.49 for verified nonprofits)
Keyed-in Transaction Fee	2.59% + $0.49 (1.99% + $.49 for verified nonprofits)
Equipment Cost	N/A

For businesses processing over $80,000 per month, there is also the option to negotiate a custom pricing plan, with a choice of either flat-rate or interchange-plus pricing.

Extra Costs

Extra fees apply in certain circumstances, e.g., international transactions.

Braintree Payment Solutions Extra Costs	Price
Non-USD Currency Fee	1% (in addition to standard transaction fee)
Fee For Cards Issued Outside The US	1% (in addition to standard transaction fee)
Chargeback Fee	$15 per chargeback
ACH Direct Debit	0.75% per transaction (capped at $5)
Fee For Amex Transactions If Merchant Has Their Own Amex Account	$0.15 (on top of Amex’s fees; standard Braintree transaction fee does not apply)
Venmo Transactions	3.49% + $0.49 per transaction
Standalone Gateway Fee	$49/month + $0.10 per transaction and +$10/month for each additional merchant account (fees are in addition to processing rates charged by your processor)

PayPal Braintree Features

PayPal Braintree offers the following features. In addition to PayPal and Venmo, Braintree supports numerous other digital wallets, local currencies, and other payment types, and can be integrated into a POS for online selling. Braintree doesn’t have built-in invoicing, but you can add this feature by integrating with PayPal Invoicing or another invoicing software.

Braintree Payment Solutions Features	Availability
Dedicated Merchant Account
PCI Compliance
High-Risk Accounts
International Accounts
Contactless Payments
ACH Processing
Digital Wallet Acceptance
EBT Acceptance
Virtual Terminal
Mobile POS Reader & App
Hosted Online Store	Hosted fields, which you can embed into your own website
Payment Links
Payment Gateway Integrations	Braintree is its own payment gateway.
Shopping Cart Integrations
POS Integrations
BNPL Integrations
API Documentation
Currency Conversion
Recurring Billing
Invoicing
Cash Discount Program
Cryptocurrency Processing

When To Use PayPal Braintree

You would like an eCommerce processor similar to PayPal, but with advanced features.

Dharma Merchant Services: Best For High-Volume eSales

Dharma Merchant Services

Get Started With Dharma Merchant Services

Total Rating	5.0
Fees & Rates5.0
Products & Services5.0
Contract5.0
Sales & Advertising Transparency5.0
Customer Service4.8
User Reviews4.7

Pros

Interchange-plus pricing
Nonprofit discount
Online & in-person selling features
Month-to-month contract

Cons

Unsuitable for businesses processing less than $10,000/month
Account closure fee
Doesn’t accept businesses in high-risk industries

Why We Chose Dharma Merchant Services For High-Volume & Nonprofit eCommerce

There's a lot to love about Dharma Merchant Services, from its affordable interchange-plus transaction fees, to its amazing pricing for high-volume and nonprofit organizations.

Dharma supports in-person selling as well as eCommerce sales, but it doesn't skip on online offerings. You will have multiple options for gateways and shopping carts, as well as a virtual terminal and an online ordering solution.

Most of all, we love that Dharma is transparent in everything it does and posts all of its fees prominently on its website.

Dharma Merchant Services Pricing

Dharma offers interchange-plus pricing exclusively, but your monthly fee and processing rate will depend on your industry. Nonprofits and high-volume businesses will receive the lowest prices.

Find more pricing info for Dharma Merchant Services below.

Pricing Overview

Item	Value
Pricing Starts At	$15/month
Contract Length	Month-to-month
Processing Model	Interchange-plus
Card-present Transaction Fee	Interchange + 0.10-0.30% + $0.08-$0.11
eCommerce Transaction Fee	Interchange + 0.10-0.30% + $0.08-$0.11
Keyed-in Transaction Fee	Interchange + 0.10-0.30% + $0.08-$0.11
Equipment Cost	$295+

Monthly Plans

Dharma Merchant Services Plans	Price	When To Use
Storefront (Retail)	$20/month	For retail, services, and other small businesses.
Restaurants & Quick Service	$20/month	For any size food business. (Reduced fees for restaurants with a low average ticket of less than $25.)
Virtual & Online	$20/month	For businesses that take online and card-not-present payments via a virtual terminal terminal or eCommerce website.
Business to Business	$20/month	For online or in-person B2B payment acceptance. (Discounted interchange rates for Level 2 and Level 3 B2B payments.)
Healthcare & Medical	$20/month	For healthcare, medical and veterinary credit card transactions.
Lodging & Hospitality	$20/month	For hotels and other hospitality merchants.
Nonprofit	$15/month	For registered nonprofit organizations.
High-Volume	$15/month	For merchants processing more than $100,000 or 5,000 transactions per month, or for restaurants with a low average ticket of less than $25.

Extra Costs

Dharma Merchant Services Extra Costs	Price
Account Closure Fee	$49
Chargebacks	$25/instance
Clover POS Fees	Varies depending on Clover software plan
ACH Processing	$25/month and 0-0.20% + $0.40/transaction
Authorize.Net Gateway	$10/month and $0.05/transaction
Recurring Billing (via MX Merchant)	$10/month
Level 2/Level 3 Processing (via MX Merchant)	$20/month
Credit Card Surcharging (via MX Advantage)	$25/month
EBT Transactions	+ $0.10/transaction

Dharma Merchant Services Features

As you can see below, Dharma is a fully featured processor that is not short on options. Pretty much the only things it can’t do are accept high-risk or international businesses, or process crypto payments.

Dharma Merchant Services Features	Availability
Dedicated Merchant Account
PCI Compliance
High-Risk Accounts
International Accounts
Contactless Payments
ACH Processing
Digital Wallet Acceptance
EBT Acceptance
Virtual Terminal
Mobile POS Reader & App
Hosted Online Store
Payment Links
Payment Gateway Integrations
Shopping Cart Integrations
POS Integrations
BNPL Integrations
API Documentation
Currency Conversion
Recurring Billing
Invoicing
Cash Discount Program
Cryptocurrency Processing

When To Use Dharma Merchant Services

You have a higher-volume eCommerce business and would like to take advantage of interchange-plus rates.

Easy Pay Direct: Best For High-Risk eSales

Easy Pay Direct

Get Started With Easy Pay Direct

Total Rating	4.1
Fees & Rates4.0
Products & Services4.5
Contract3.7
Sales & Advertising Transparency3.9
Customer Service4.1
User Reviews4.0

Pros

Specializes in high-risk payment processing
Offers offshore merchant accounts
Includes API documentation to customize your checkout
Free virtual terminal

Cons

Limited pricing info published online
Account setup fee
Requires long-term contract

Why We Chose Easy Pay Direct For High-Risk eCommerce Businesses

Easy Pay Direct is a high-risk specialist that focuses primarily on eCommerce businesses. With its extensive integrations with popular online shopping carts, support for high-risk and international eCommerce, as well as developer resources, most high-risk eCommerce businesses will find everything they need in Easy Pay Direct.

Easy Pay Direct offers its own EPD Gateway, which you can integrate with an existing merchant account. EPD is a popular gateway choice for high-risk businesses that want to sell on Shopify (as Shopify Payments/Stripe does not support high-risk industries).

Easy Pay Direct can also supply you with a full merchant account and hardware for in-person sales, if needed.

Easy Pay Direct Pricing

You can find pricing details for Easy Pay Direct below. These are the rates published on its website, but just be aware that pricing may be higher for high-risk businesses.

Pricing Overview

Item	Value
Pricing Starts At	$34/month
Contract Length	3 years
Processing Model	Flat-rate, interchange-plus, tiered
Card-present Transaction Fee	1.59% + $0.17 (high-risk rates may be higher)
eCommerce Transaction Fee	2.44% + $0.34 (high-risk rates may be higher)
Keyed-in Transaction Fee	Not disclosed
Equipment Cost	Not disclosed

Extra Costs

Easy Pay Direct Extra Costs	Price
ACH Transactions	1.6% + $0.29

Easy Pay Direct Features

EPD offers a varied feature set to high-risk, offshore, and eCommerce businesses, though the company doesn’t provide a lot of details about these features on its website. Before signing a contract, make sure you inquire to verify that the company offers the specific features you need.

Easy Pay Direct Features	Availability
Dedicated Merchant Account
PCI Compliance
High-Risk Accounts
International Accounts
Contactless Payments
ACH Processing
Digital Wallet Acceptance
EBT Acceptance
Virtual Terminal
Mobile POS Reader & App	Mobile payments via browser and card reader (no dedicated mobile app)
Hosted Online Store	Hosted checkout pages
Payment Links
Payment Gateway Integrations
Shopping Cart Integrations
POS Integrations
BNPL Integrations	Via myAbundant integration (for business coaches & consultants)
API Documentation
Currency Conversion
Recurring Billing
Invoicing
Cash Discount Program
Cryptocurrency Processing

When To Use Easy Pay Direct

Your eCommerce business belongs to a high-risk industry, such as CBD, Kratom, cannabis, credit repair, etc.

2Checkout: Best For Selling Subscriptions Online

2Checkout

Get Started With 2Checkout

Total Rating	4.2
Fees & Rates3.7
Products & Services4.7
Contract4.8
Sales & Advertising Transparency5.0
Customer Service3.1
User Reviews3.5

Pros

Accept payments in any currency
Recurring billing & subscription management features
No long-term contract or monthly fee
Accepts some high-risk eCommerce businesses

Cons

High transaction fees
Doesn’t accept all high-risk businesses
eCommerce-only solution (no support for in-person sales)

Why We Chose 2Checkout For Saas & International Businesses

If you simply need a payment gateway to accept eCommerce payments for goods or services online, 2Checkout is a lightweight solution with month-to-month pricing and no monthly fee. Software-as-a-service businesses (Saas) and global eCommerce businesses especially will benefit from 2Checkout's selling features, which include subscription management and international payment acceptance.

Known for its numerous shopping cart integrations, 2Checkout also offers its own hosted cart. Whether you sell subscriptions, physical goods, or digital goods, 2Checkout can meet your needs. 2Checkout even accepts some high-risk businesses, such as dropshipping.

2Checkout Pricing

2Checkout’s per-transaction fees are higher than industry averages, though its pay-as-you-go model eliminates the monthly/annual fees commonly charged by processors.

Transaction fees (and features) depend on which pricing plan you sign up for.

Pricing Overview

Item	Value
Pricing Starts At	$0/month
Contract Length	Month-to-month
Processing Model	Flat-rate
Card-present Transaction Fee	N/A
eCommerce Transaction Fee	3.5-4.5% + $0.35-$0.45
Keyed-in Transaction Fee	N/A
Equipment Cost	N/A

Monthly Plan Pricing

2Checkout Plans	Price	When To Use
2Sell	$0/month (3.5% + $0.35 per sale)	If you’re looking for an easy and simple way to sell globally.
2Subscribe	$0/month (4.5% + $0.45 per sale)	If you want to develop and boost your subscription sales.
2Monetize	Custom pricing	If you need an all-in-one solution to sell digital goods globally.
2Enterprise	Custom pricing	If you have a high-volume business and want to scale up.

Extra Costs

2Checkout Extra Costs	Price
Cross-Border Fee	2%
Chargeback Fee	$20-$45
2Bill (advanced subscription management add-on)	Not disclosed
2Recover (renewal recovery add-on)	Not disclosed
2Partner (channel distribution/automation add-on)	Not disclosed
2Service (premium services & dedicated support add-on)	Not disclosed

2Checkout Features

2Checkout is an awesome way to sell online, but please know that it’s a payment gateway-only solution, which means you can’t use it to process in-person payments.

Check out its feature selection below.

2Checkout Features	Availability
Dedicated Merchant Account
PCI Compliance
High-Risk Accounts	Accepts some high-risk merchants.
International Accounts
Contactless Payments
ACH Processing
Digital Wallet Acceptance
EBT Acceptance
Virtual Terminal
Mobile POS Reader & App
Hosted Online Store
Payment Links
Payment Gateway Integrations	2Checkout is its own payment gateway.
Shopping Cart Integrations
POS Integrations
BNPL Integrations
API Documentation
Currency Conversion
Recurring Billing
Invoicing
Cash Discount Program
Cryptocurrency Processing

When To Use 2Checkout

You need a payment gateway you can use to sell subscriptions or products online, including internationally.

Payment Processing Rating Methodology

Merchant Maverick has been researching the payment processing industry since 2009. Our writers have reviewed hundreds of credit card processors, merchant account services, and mobile payment apps, evaluating each provider carefully on several different metrics.

Weighted Rating Breakdown

Fees & Rates 35%

Contract 20%

Products & Services 15%

Sales & Advertising Transparency 15%

Customer Service 10%

User Reviews 5%

When comparing different payment processing companies and applications to one another, we consider numerous data points. Our experts start by comparing credit card processing rates, the presence of additional fees, contract length, sales practices, and the presence or absence of additional features and services, like point of sale software. Each provider is judged on its own merits and how well it stacks up to industry standards; then it is weighed against the other providers on the list.

We spend an average of 10-15 hours researching and updating each one of our lists, making sure every company or application included meets our internal standards for quality and reputation. Any list of recommended payment processors on our site might contain a mix of standard merchant accounts, third-party payment processors, mobile payment devices, and high-risk payment processors, depending on what our expert feels is the best fit for certain scenarios or business types.

For additional details about Merchant Maverick’s review and rating processes, please refer to any or all of the following methodology pages:

Years reviewing payment processors

100+

Providers evaluated

Attributes and features assessed per vendor

40+

Years combined experience

What Is An eCommerce Merchant Account?

An eCommerce merchant account is a dedicated bank account where funds from your online payments are deposited until they can be transferred to your regular business bank account.

eCommerce merchant accounts include payment processing services, a payment gateway, online shopping cart integrations to add payment processing to your online store, and sometimes even a full website.

You must apply for and be approved for a merchant account and you may get a custom payment processing rate based on your industry, time in business, risk level, and sales volumes, among other factors.

Note: Though some features such as a virtual terminal are optional, eCommerce businesses require a payment gateway to take payments. We’ll discuss the exact functions of payment gateways below, but essentially, payment gateways are the online version of credit card terminals and are used to facilitate secure online transactions.

4 Must-Have Features For An eCommerce Merchant Account

There are some essential eCommerce-related features you’ll want in a payment processor.

Online Shopping Carts

An online shopping cart is software that allows customers to view your products and add them to a virtual cart for purchase. Your online shopping cart has to integrate with a payment gateway for customers to be able to securely enter payment information. It also has to integrate with your merchant account so you can transfer their payments to your business bank account.

You can connect your eCommerce merchant account to a popular, secure online shopping cart builder like Shopify or BigCommerce to build a beautiful online store and ensure a simple, secure payment process. Alternatively, you can choose an eCommerce merchant account like Square or Shopify that comes with a built-in online shopping cart for an even more straightforward eCommerce payment setup.

Payment Gateways

A payment gateway is a software service that securely uploads a customer’s payment information (credit/debit card numbers, bank account numbers, etc.) after they enter it online, encrypts it for security purposes, and sends it to your payment processor or merchant account for payment approval. If the customer has the funds in their bank account to cover the purchase, the transaction is approved and the customer’s online checkout is a success.

Again, payment gateways are required for eCommerce businesses to take payments. Sometimes payment gateways are integrated into an eCommerce service provider’s offering, while other times you can add a third-party payment gateway to your merchant account.

For example, Stripe accounts have the Stripe payment gateway service built in. Dharma Merchant Services, on the other hand, is a full merchant account provider with its own proprietary payment gateway as well as integrations with popular third-party payment gateway services like Authorize.Net.

In addition to helping facilitate online transactions, payment gateways provide security services to protect your customers’ credit card information, databases that can store your customers’ information (name, billing address, credit card numbers, etc.) to make future checkouts faster, and recurring billing functions.

Support For Alternative Payment Methods

The more alternative payment methods you can accept, the more customers you can accommodate at checkout.

Credit and debit card payments are a given. You may also consider taking Discover and American Express cards, digital wallet payments such as Apple Pay, eCheck/ACH payments, PayPal, and popular international payment methods (if you’re selling in several countries.)

Note: ACH payments are great for billing customers on a recurring schedule since they are automated, reliable, and typically cost less in payment processing fees. We highly recommend building ACH payments into payment pages if you sell subscriptions, services, or memberships. B2B businesses that invoice should also consider implementing ACH payments.

Software Integrations

Most businesses use several software products to manage their operations and take payments. Software integrations connect different products so they can communicate data and reduce the amount of data entry you have to do.

For example, connecting your online shopping cart with your accounting software means you won’t have to repeatedly enter the same data into different software.

Some eCommerce merchant services providers, like Stripe and PayPal, connect with virtually any cloud-based software available. Other merchant account providers, like Helcim and Host Merchant Services, offer an open API (application program interface) for you to connect your merchant account to any online shopping cart and accounting software.

Note: Working with an API can be difficult. Consider hiring a developer if you’re not very tech-savvy or choosing a popular payment services provider if you want all your business management systems to work cohesively.

How To Choose The Right eCommerce Merchant Services Provider

Which eCommerce merchant account you should use depends on factors like your payment processing volumes, your industry, and which software integrations you need, among other considerations.

If you have higher monthly sales volumes, own a business in a high-risk industry, or want to sell globally, consider getting a dedicated merchant account (e.g., Dharma Merchant Services, Easy Pay Direct, Braintree, 2Checkout), which is less likely to be frozen, will offer better payment processing rates for larger sales volumes, and will, in some cases, process payments for high-risk businesses.

If you’re just starting out with eCommerce, a payment services provider (e.g., Stripe, Square, PayPal, Shopify) might be a more suitable — and more affordable — fit.

Check out our best credit card processing companies for small businesses if you’re looking to sell online and in person.

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Shannon Vissers

Lead Staff Writer at Merchant Maverick

Shannon has been writing for Merchant Maverick about small business software and financing since 2015. She started writing professionally about business topics in 2005. Shannon has been featured in the Washington Post, Reader's Digest, US News, MSN, Yahoo Finance, Business Insider, and other publications. She has a bachelor's degree in English from San Diego State University and currently resides in San Diego, California.

@ShannonVissers

View Shannon Vissers's professional experience on LinkedIn.

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1. Stripe Payments

❮ ❯

Best for software developers
Contract length: Month-to-month
eComm transactions: 2.9% + $0.30 (2.2% + $0.30 for nonprofits)

2. Braintree Payment Solutions

❮ ❯

Best for software developers
Contract length: Month-to-month
eComm transactions: 2.59% + $0.49 (1.99% + $.49 for verified nonprofits)

3. Dharma Merchant Services

❮ ❯

Best for high-volume & nonprofit eComm
Contract length: Month-to-month
eComm transactions: Interchange + 0.10-0.30% + $0.08-$0.11

4. Easy Pay Direct

❮ ❯

Best for high-risk eCommerce
Contract length: 3 years
eComm transactions: 2.44% + $0.34 (high-risk rates may be higher)

5. 2Checkout

❮ ❯

Best for Saas
Contract length: Month-to-month
eComm transactions: 3.5-4.5% + $0.35-$0.45