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Personal Finance

How do I pick a payment processor?

Quick Answer

Pick by volume, channel, and integrations. Under $80K/mo, flat-rate (Stripe, Square) wins on simplicity. Above $80K/mo, negotiate interchange-plus. Match channel: Stripe for online software, Square for retail, Toast for restaurants, Adyen for global.

Decision flow for picking a payment processor based on volume and channel.
Warren Team
Updated April 26, 2026
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Important Disclaimer:

The information provided is for educational purposes only and should not be considered as personalized financial advice. Warren is a registered investment advisor. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making investment decisions.

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