: Known for simple, flat-rate pricing and a free basic card reader for new users. Their all-in-one Square Terminal is popular for its built-in receipt printer.

This is the most common route for small businesses and new startups. These companies provide both the hardware and the software needed to process payments.

: Offers low transaction fees and integrates easily if you already use PayPal for online sales. 2. Traditional Bank Merchant Services

: Potential for lower rates if you have high sales volume; all your money stays in one ecosystem.

: Often involves monthly fees, minimum sales requirements, and longer-term contracts. 3. Third-Party Retailers