Cheapest Credit Card Processing Options for Small Businesses in 2025
Credit card processing fees can eat into your margins — and in 2025, they’re changing again. Whether you run a brick-and-mortar store, an online shop, or a service-based business, choosing the right payment processor can save you thousands each year.
In this guide, we’ll compare the cheapest credit card processing options for small businesses so you can keep more of your hard-earned revenue.
If you operate in the U.S., read our credit card processing essentials for 2025 to understand fees and compliance.
How We Picked the Cheapest Providers
Transparent pricing (no hidden fees)
Low per-transaction rates
Competitive monthly fees
Fair contract terms
Top 5 Cheapest Credit Card Processors in 2025
1. Square – Best for New Businesses
Flat-rate pricing, no monthly fee, free POS software. Great for startups.
2. Stripe – Best for Online Sales
Developer-friendly, competitive fees for online transactions, global reach.
3. Helcim – Best for Interchange-Plus Pricing
No monthly fee, transparent cost-plus pricing, volume discounts.
4. PayPal Zettle – Best for Simplicity
Easy to set up, flexible payment options, widely trusted brand.
5. Payment Depot – Best for High-Volume Businesses
Wholesale pricing model, predictable monthly fees, low per-transaction cost.
For a big-picture view, read our Ultimate Guide to Card Processing in 2025.
| Provider | Monthly Fee | Transaction Fee | Best For |
|---|---|---|---|
| Square | $0 | 2.6% + 10¢ | Startups & small retail |
| Stripe | $0 | 2.9% + 30¢ | Online sales |
| Helcim | $0 | Interchange + 0.3% + 8¢ | Growing businesses |
| PayPal Zettle | $0 | 2.29% + 9¢ | Simplicity |
| Payment Depot | From $79 | Interchange + 7¢ | High volume |
While many businesses can access standard low-cost providers, companies flagged as high-risk face stricter rules. Learn more in our guide to high-risk industries and card processing.
ScaleUp Tip
Tips for Lowering Processing Costs
Choose the right pricing model for your volume.
Avoid unnecessary add-ons.
Negotiate with providers if processing over $250k/year.
