Payment processor shouldn't start with the lowest advertised rate — it should start with what your business actually needs. This page breaks down the full decision checklist: payment method coverage, transaction fees, fraud tools, integration options, international support, and industry-specific underwriting requirements. It then profiles seven providers side by side — Webpays, Paycly, Inquid, Boxchrge, Amald, Stripe, and PayPal — outlining who each one suits best, from high-risk and cross-border merchants to SaaS platforms and small online sellers.