Payzium USA compare
The other US processors, honestly compared.
Every page below reads the competitor's own published pricing and compares it against Payzium's Program A (interchange-plus) and Program B (dual pricing). Figures are stamped with a verification date; when a rate is not consistently surfaceable from the vendor's own site under a plain fetch, we say so.
Savings figures are estimates at $40,000 per month, 100% card-present, blended card mix, $50 average ticket, against real US Visa and Mastercard interchange schedules. Your actual rate varies by card mix and channel.
Flat-rate platforms
Payzium vs
Square
Square wins on ease of setup and a friendly Reader for the smallest merchants. Payzium wins when the transaction volume is regular enough that a published margin costs less than a blended flat rate.
Payzium vs
Stripe
Stripe wins on developer surface, subscriptions, and pure-online commerce. Payzium wins for merchants who ring most sales at a physical counter.
Payzium vs
Toast
Toast wins for restaurants that want an all-in-one POS with kitchen tickets, online ordering, and staff scheduling built in. Payzium wins as a card processor when the restaurant has (or wants) its own POS software and needs a published, honest merchant rate.
Payzium vs
Clover
Clover wins as a full countertop POS with a familiar interface and a strong app marketplace. Payzium wins for merchants who want a lower, published card rate on the same-shape Clover hardware.
Interchange-plus peers
don't see yours
On a different processor?
Square, Stripe, and Toast each have a full comparison above. If you're on Clover, Helcim, Worldpay, Elavon, or anyone else, the same interchange-plus math applies.
Open a free account online. The rate structure is the same regardless of who you're leaving: interchange at cost, a published margin that steps down as volume grows, and dual pricing as a published program.
Honest math
Honest math. Decide from there.
Program A passes interchange through at cost and adds a published margin. Program B is dual pricing, published the same way. No setup fee, no PCI fee, no monthly minimum, no junk fees.
Prefer to talk it through first? Request a rate review and we call you back.
Reading a statement line you do not recognize? Look it up in the Statement Fee Decoder.