Payment Gateways Comparison Chart

Our form builder integrates with multiple payment processors for secure online transactions and payment collection. Check out our comparison chart for payment gateways to choose the best option for your payment form design.

Just follow the payment gateway comparison chart below.
Payment gatewayMonthly feesTransaction feesRecurring paymentsCountriesCurrenciesCard typesAuthorizationOn form payments
$0Country-specific rates

2.9% + 30 cents for online transactions
+1% for international cards & currency conversion

ACH Debits: 0.8% – $5 cap

SEPA Direct Debit: 1% per transaction, capped at $5.50 (depending on exchange rate)

Billing: 0.4% per paid invoice& 0.5% on recurring charges
Yes+46+1357YesDirect
stripe checkout$02.9% + 30 cents per successful charge

1% additional fee for international & currency conversion transactions
Yes+46+1357YesDirect or indirect
$02.9% + 30 cents

From 2.89% + fixed fee for donations
Yes+200+257YesDirect or indirect
PayPal Payments Pro$30
2.9% + 30 cents

Yes+200+257YesDirect
PayPal PayFlowPayflow Link – $0
Payflow Pro – $25/month
$10 cents per transactionYes, with $10/month recurring billing service+200+25+7YesDirect or Indirect
PayPal Express Checkout$0For receiving domestic transactions 3.49% + fixed fee

For international transactions 3.49% + fixed fee + 1.50%
Yes+200+257YesIndirect
$0Starting from 2.9% +10 centsYes (via Square Invoices)+8:
United States
Canada
United Kingdom
Ireland
Australia
Japan
France
Spain
+6:
USD
CAD
GBP
EUR
AUD
JPY
+9
+Mobile wallets (Apple Pay, Google Pay, Samsung Pay, Afterpay)
YesDirect
Authorize.Net Logo$25/month gateway fee2.9% + 30 cents per transaction

ACH payments: 0.75% per transaction
YesUnited States
Canada
United Kingdom
Europe
Australia
+12+6YesDirect
Braintree a PayPal Service Logo$02.59% + 49 cents per transaction

ACH Direct Debit – 0.75% per transaction with a $5 cap
No+45+1358
+Mobile wallets (PayPal, Apple Pay, Google Pay, Venmo)
YesDirect
Worldpay LogoMinimum £19.95 (~$23/month)Credit and Debit card transactions range from 0.75% to 2.75% per transaction

UK and International Cards: 1.4% + 20 cents per transaction

Corporate Cards: 2.9% + 20 cents per transaction
No+146+135+5YesDirect or indirect
Opayo LogoFrom £25 for online transactionsFrom 0.99% transaction fee after the first 350 transactionsYes+20025+9YesDirect
PayU$0-$25Country-specific rates

Domestic transactions – 2% + GST on every transaction

International transactions – 3.5% + fixed fee
Via multi-use tokens+50+130+150 payment modesYesIndirect
PayFast$03.2% plus R2.00 for card

2% plus minimum R2.00 for Instant EFT
Via card tokenizationSouth AfricaMulti-currency pricing with payments in South African rand (ZAR)8YesIndirect
FreshBooks logoFrom $17/monthVisa/Mastercard/Discover/Apple Pay: 2.9% of the payment amount + 30 cents per transaction

Amex: 3.5% + 30 cents 

Bank transfers (ACH): 1% bank transfer fees (only available in the U.S.)
Via recurrent template or retainer (Recurring Profile)+160+25+4
+Mobile wallets (Apple Pay, Google Pay, PayPal)
YesIndirect (direct only with 3rd party integrations like Stripe)
These figures represent the monthly subscription price for the payment processor, and it is subject to change. This table shows the functionality of 123FormBuilder’s payment integrations; it does not reflect the payment gateways themselves. 123FormBuilder does not charge a fee for integration with our payment partners.

Frequently asked questions

What is a payment gateway and how does it work?

What is a merchant account?

Payment gateway fees

What is an “in-form payment”?

What is recurring billing?

What is a card authorization?

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