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Comment by tmikaeld | Hacker News Reader

The most low-cost I know of with widest reach (most countries) is https://www.adyen.com/pricing

Because you can choose which processor you want to use and there are many low-cost ones, including some inter-bank ones with fixed cost (no %)

Most shops like WooCommerce and Shopify have ready-to-use plugins for it.

(I'm not affiliated, but i build e-commerce for brands)

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On a related note, you can look at hyperswitch [1], which is an open-source payment orchestrator that supports multiple payment processors. You can self-host it or they have a hosted version as well.

1. https://github.com/juspay/hyperswitch

(not affiliated with this project in any way)

Do you use this?

I can't seem to figure what their pricing strategy is or who's running it.

> Free-tier > Free-tier for startups. Lowest Price for others.

> who's running it.

Juspay is an Indian payment aggregator. They are quite big and are used by high profile brands: https://juspay.in/

And - tangential to this topic but maybe of interest to folks here - their stack is heavily Haskell-based.

https://juspay.in/tech

Hyperswitch is free to use for the first 10k transactions of the month. After that it costs $0.04 per transaction. It is a payment switch that comes pre integrated with major processors. So as a merchant your business relationship with processors like Stripe or Adyen remains the same (I'm affiliated with this product)

I talked to them in December 2022 and they now require a minimum of €5m/year to even consider you. The reason given was that underwriting/KYC for such small accounts is not worth it anymore. So not really an option for small businesses unfortunately. The Adyen sales rep I talked to recommended https://www.mollie.com.

I found GoCardless to be better and cheaper than Stripe.

Not sure what their minimum viable throughput is though ...

Adyen is a good option, however they have a monthly fixed fee ($120) and looks like they might not onboard small merchants with less than $50M ARR

Are you sure about the fixed fee? Their website says it isn't.

> We do not have monthly fees, set-up fees, integration fees or closure fees. We do have a minimum invoice depending on industry or business model. Please speak to a member of our sales team for more details.

The minimum invoice is $120. Though it seems they can waive that if they like you during sales. It's all a little vague which I honestly despise.

The candy-shop on my street use Adyen, I'd be very surprised if they had $50M ARR

They may reject you for no reason though, well no given reason.

That applies to any and all payment processors..

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