The weAudit Gateway Scorecards
Payment Gateways, Graded by What They Actually Cost You
Searching for the best payment gateway? Every list you will find is written by affiliates chasing commissions. Ours is written by interchange experts who audit merchant statements for a living, and here is the truth: the best payment gateway depends on your card mix, not on who pays the highest referral fee. We grade every gateway on the thing nobody else measures: what it does to your interchange.
The Scorecards
Scorecard No. 1
Authorize.net
4.5 / 10
“Everyone knows the name. Nobody checks the bill.”
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Scorecard No. 2
Stripe
4.25 / 10
“Built for developers. Paid for by merchants.”
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Scorecard No. 3
Cybersource
4.0 / 10
“The safe enterprise choice. Safe for whom?”
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Scorecard No. 4
Paya
3.75 / 10
“You didn’t choose Paya. Your software did.”
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Scorecard No. 5
Shift4
4.0 / 10
“They don’t acquire companies. They acquire merchants.”
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Scorecard No. 6
PayPal Payflow Pro
3.5 / 10
“Your gateway has a sunset date. Your fees don’t.”
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Scorecard No. 7
PayTrace
7.25 / 10
“The best tool in the shed. Still only as good as the craftsman.”
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Scorecard No. 8
NMI
4.25 / 10
“You’ve never heard of NMI. Your statement has.”
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Scorecard No. 9
EBizCharge
3.5 / 10
“The integration isn’t a feature. It’s the lock.”
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Scorecard No. 10
Coming Soon
? / 10
Every major gateway gets its day on the scorecard.
Find Out What Your Gateway Is Costing You
Your processing statement holds the answer. Upload one and we will show you, line by line. No obligation. Just answers.
Get Your Free AuditWhat the fees on your statement actually are
- The Statement DecoderEvery line item that can appear on a merchant statement, explained one at a time.
- Interchange fees explainedWhat the largest line on your statement pays for, who sets it, and why the same sale can settle at different rates.
- Gateway feeWhat the gateway charge covers, what it should cost, and where processors add margin to it.
- PCI DSS compliance feeWhy it appears, how the non-compliance charge works, and which PCI charges can be removed.
- Monthly statement feeThe recurring administrative charge that is nearly always pure margin.
- Visa assessment feeA genuine network cost, and how to tell whether yours is being passed through at cost.