weAudit.com
The Anti-Brochure Series
The Processor Scoreboard
Independent 0-100 ratings for the credit card processors handling America’s small-business revenue, built exclusively on the documented record: lawsuits, settlements, complaint files, fee specimens, and the companies’ own responses. No processor pays to be here. No processor can pay to leave.
Every score calculated under the published weAudit Rating Methodology · Sorted by score, lowest first · Last updated July 2026
Below 60: documented record warranting extreme caution
60-69: documented pattern of merchant-hostile practices
Not scored: special dossier
The Board · 25 Ratings + 4 Dossiers
Click any company for the full documented profile
Each profile carries the evidence behind every point deducted: case numbers, settlement amounts, statement specimens, and the exact steps to take if you process with them today.
34/ 100
CardConnect
Settled for $7.65 million with court-ordered fee limits, then sued for allegedly ignoring them.
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37/ 100
EVO Payments
Federal complaints named the fee codes: PASSTHRU, APF, NABU. Our own audit found $134,689.38 on its rails.
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41/ 100
Paysafe
Its own response conceded $9,001 in fees on a dead account, and it billed an exit fee to a merchant it fired.
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43/ 100
Fiserv
Three across-the-board rate increases in nine months, and securities suits over the forced Clover migration.
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44/ 100
MerchantE
Rates documented growing to 5-7% of every sale, and a $500 fee quoted to make it stop.
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48/ 100
Worldpay
A $52 million overbilling settlement behind it, and new fee changes weeks after its latest sale closed.
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49/ 100
Global Payments
A junk-fee class action at Heartland, and a documented $22,663.48 “courtesy credit” that speaks for itself.
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49/ 100
PNC Merchant Services
A $14.5 million settlement over fees, in a suit alleging new customers were opted out of itemized statements.
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50/ 100
TSYS
A $53 million FTC matter in its history, and its own filings describing fee growth as a revenue driver.
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51/ 100
Elavon
Sued a family restaurant over a breach its own forensics never found, and billed $879.92 under the code SLVR STD.
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51/ 100
Priority Payment Systems
Reps can sign you but are “not authorized” to close your account, and the documented exit can end in collections.
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53/ 100
Wells Fargo Merchant Services
A $40 million fee settlement whose court-ordered fixes mark exactly where the complaint said the harm lived.
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53/ 100
Shift4
An A+ rating around a one-star record, and fee games our own monthly audits of an NFL client keep catching.
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53/ 100
Stax
A membership fee our audit files price above pure interchange-plus, and a documented refusal to prove the bill.
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55/ 100
Paya
A 15-minute approval that defers real underwriting, and a canceled account billed a year under a descriptor naming nobody.
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56/ 100
Clearent by Xplor
A clean legal record, 9 of 25 points on fees, and a processor sold through your software’s locked door.
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58/ 100
QuickBooks Payments (Intuit)
The fund-hold evidence lives on Intuit’s own forum: $36K, $47K, 180 days, and class actions recruiting in the threads.
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58/ 100
Braintree (PayPal)
The cleanest contract on the board, a 50-60 basis point flat-rate premium, and funds frozen a year after disputes were won.
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60/ 100
Bank of America Merchant Services
Two eras, one lesson: the legacy paper’s two-contract trap, and a reformed model that still deserves an audit.
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60/ 100
Square (Block)
You don’t have a merchant account. Square does. And the flat rate hides the interchange on every single swipe.
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60/ 100
Versapay
A rate-optimization brand that, in our own audit files, raised client fees 30 basis points and held firm.
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61/ 100
Stripe
In one documented case, the account closed in days, the hold ran months, and the only money that moved was Stripe’s fee.
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61/ 100
CyberSource
Visa’s own gateway: no published prices, no BBB profile of its own, and merchants documented auto-enrolled in processing they didn’t choose.
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62/ 100
Chase Paymentech
Interchange billed under internal codes that prevent validation. Your largest expense, unverifiable by design.
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64/ 100
Helcim
Published rates, premium prices. A payment facilitator on Elavon’s rails, and no way to bring a data-enhanced gateway.
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NOT
SCORED FIS No longer in merchant processing. The dossier explains where your account went, and whose paper you’re on now. Read the dossier → NOT
SCORED Vantiv Dissolved into Worldpay in 2018. The dossier traces five owners and tells legacy merchants whose paper they’re on. Read the dossier → SEE:
44 Merchant e-Solutions Rebranded as MerchantE. Same company, same paper; this dossier routes legacy merchants to the full rating. Read the dossier → NOT
SCORED Cielo Brazil’s largest processor owned MerchantE for a decade, then went home. The dossier maps where its US merchants landed. Read the dossier → SPECIAL
REPORT The Merchants Are the Merchandise What a buyer actually buys when a processor is sold, and why every ownership change should send you to your statement. Read the report → READER
GUIDE My Processor Rating Is Missing Thousands of ISOs and agents call themselves processors. How to read the footer disclosure and find who is really behind your account. Read the guide →
SCORED FIS No longer in merchant processing. The dossier explains where your account went, and whose paper you’re on now. Read the dossier → NOT
SCORED Vantiv Dissolved into Worldpay in 2018. The dossier traces five owners and tells legacy merchants whose paper they’re on. Read the dossier → SEE:
44 Merchant e-Solutions Rebranded as MerchantE. Same company, same paper; this dossier routes legacy merchants to the full rating. Read the dossier → NOT
SCORED Cielo Brazil’s largest processor owned MerchantE for a decade, then went home. The dossier maps where its US merchants landed. Read the dossier → SPECIAL
REPORT The Merchants Are the Merchandise What a buyer actually buys when a processor is sold, and why every ownership change should send you to your statement. Read the report → READER
GUIDE My Processor Rating Is Missing Thousands of ISOs and agents call themselves processors. How to read the footer disclosure and find who is really behind your account. Read the guide →
Their record is on this board. Your money is on your statement.
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Right of response: Every company rated in this series is invited to respond to any finding on its profile. Responses received will be published unedited. Contact: [email protected]
How these ratings work: Every score is calculated under weAudit’s published Rating Methodology, applied consistently to every company. Profiles report documented information from government agencies, court records, the Better Business Bureau, review platforms, and independent published analysis, with sources linked throughout. Allegations from lawsuits are reported as allegations and are not adjudicated facts; settlements are not admissions of wrongdoing; complaint data is reported as the accounts of the merchants who filed it. Scores change when the documented record changes, in both directions.
Independence: weAudit accepts no compensation, referral fees, or advertising from any payment processor. No company can pay for placement, scoring, or removal. Our only clients are merchants.
Corrections: Documented errors are corrected within 48 hours of verification. Last updated July 2026.