Choosing a payment gateway is hard.
We make it easy.
We're FeeStack — independent payments specialists. Send us your numbers and we'll recommend the best gateway for your business. You'll get one of three honest answers:
- 1Your current gateway is already a good fit.We’ll tell you so. No pitch.
- 2Here’s how to negotiate with your current processor.Sometimes a phone call with the right script saves you 30 bps.
- 3Here’s a gateway better matched to your business.Based on your volume, geography, category and risk profile — not a sales pitch.
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Frequently asked questions about choosing a payment gateway
How much does it cost to get a payment gateway recommendation?
FeeStack's payment gateway recommendations are free. We are compensated through referral arrangements with some processors, but we only recommend a gateway when it genuinely fits the business. If your current setup is already competitive, we will say so.
How do I choose the right payment gateway for my business?
Four variables drive the decision: (1) merchant category — being in a high-risk sector affects which processors will accept you; (2) payment mix — cards-only vs cards plus crypto changes the cost equation; (3) monthly volume — higher volume opens up negotiated interchange-plus pricing; and (4) geography — cross-border sales bring FX markups and international card surcharges. Run the fee calculator to model these, or send us your details for a specific recommendation.
What payment gateway is best for high-risk merchants?
For high-risk merchant categories (iGaming, adult content, forex/CFD, crypto exchanges, CBD), mainstream processors will not onboard you regardless of volume or chargeback history. The practical options are PayRam (cards plus crypto, high-risk friendly), NowPayments (crypto-native, no underwriting restrictions), and specialist high-risk acquiring banks. Use the form above and we will match your category and volume to the best available option.