Choosing a payment provider

Checked on 25 October 2026.

The short version

Stripe and Square are the quickest to start: no monthly fee, you sign up online in minutes, and both take deposits, saved cards and security-deposit holds in Reservety.

PayPal adds its own checkout button, which many customers already use. A payment through that button costs more than a card payment: 3.49% + 49¢.

Authorize.net charges a monthly fee and comes with its own merchant account, or works with one you already have. NMI is sold only through banks and payment companies, so it suits a business that already works with one.

Every one of them takes deposits (part now, the rest later) and the balance through a pay link.

What each one costs

Fees for US businesses on each provider's standard pricing. A provider can offer you a custom rate, and international cards cost more.

Provider	Card online	Card in person	Monthly fee	Money in your bank
Stripe	2.9% + 30¢	2.7% + 5¢	None	2 business days (the first payout takes 7–14 days)
Square	2.9% + 30¢	2.6% + 15¢	None	Next business day
PayPal	3.49% + 49¢ with the PayPal button; 2.99% + 49¢ for cards, or 2.89% + 29¢ once PayPal approves you for its advanced card payments	2.29% + 9¢	None	In your PayPal balance at once; 1–3 business days to your bank, free
Authorize.net	2.9% + 30¢ (all-in-one), or 10¢ plus your merchant account's fees (gateway only)	With a reader on your computer	$25	2–3 business days after the day's payments settle
NMI	Set by the company that sells it to you	Through that company	Set by that company	Set by that company

Square's online rate here is the one for payments taken through its API, as Reservety takes them; Square's own online store charges 3.3% + 30¢.

Taking cards in person

Stripe, Square and PayPal each sell their own card readers, with the in-person rates above. Authorize.net works with a card reader plugged into your computer. With NMI, the company that sells you the gateway supplies the readers.

What Reservety does with each

Provider	Deposits	Security-deposit holds	Saved cards, charged later
Stripe	Yes	Yes	Yes
Square	Yes	Yes, see below	Yes
PayPal	Yes	No	No
Authorize.net	Yes	On request	Yes
NMI	Yes	On request	No

Deposits: the customer pays part of the order now and the rest later, through a pay link.

Security-deposit holds: the amount is held on the customer's card, not charged, and released or taken after the rental. A card hold lasts about a week, so holds suit rentals of up to a week. On Square, a released hold isn't cancelled at once: it drops off the customer's card when Square's 7-day hold ends. For Authorize.net and NMI, ask us and we'll add holds for your account.

Saved cards: the customer's card is kept with the provider, and you charge it later from the order, for damage or an extra day.

Set it up

Each guide takes you from opening the account to the button that connects it to Reservety:

Other payment providers

Reservety connects to more than 100 other payment providers. They don't have a guide yet: tell us in the chat which one you use, and we'll switch it on for your account and connect it with you. Here they are, region by region:

Where	Providers
United States	Clover (also First Data Payeezy and Global Gateway), Elavon Converge, QuickBooks Payments, Braintree, Global Payments (Heartland), Chase, Bank of America, Visa Acceptance Solutions (Cybersource), PayTrace, USAePay
Canada	Moneris, Helcim, Bambora
UK and Ireland	Worldpay, Opayo, GoCardless (direct debit)
Across Europe	Adyen, Worldline, Viva.com, SumUp, Revolut, Mollie
Netherlands and Belgium	MultiSafepay, Buckaroo, Pay. (formerly PAY.nl), all with iDEAL and Bancontact
France	PayPlug, PayZen
Spain	Redsys (with Bizum), MONEI
Italy	Nexi XPay, Satispay
Germany and Austria	Unzer, Novalnet
Switzerland	Payrexx, wallee, both with TWINT
Nordic countries	Vipps MobilePay, Nexi Checkout (formerly Nets Easy), Swedbank Pay, Svea, Paytrail, Teya (formerly Borgun)
Poland	Przelewy24, PayU, Tpay, Autopay, all with BLIK
Czech Republic and Hungary	GoPay, Barion
Baltic countries	Montonio, Paysera
Romania	Netopia, EuPlatesc
Turkey	iyzico, PayTR
Middle East	Amazon Payment Services, PayTabs, Telr, HyperPay, Moyasar, Network International (N-Genius), Paymob
Africa	Paystack, Flutterwave, PayFast, Yoco, Ozow, Peach Payments, M-Pesa, DPO Pay
India	Razorpay, PayU, Cashfree, PhonePe, Paytm, CCAvenue, Instamojo
Southeast Asia	HitPay, 2C2P, Opn Payments (Omise), Xendit, Midtrans, DOKU, PayMongo, Billplz, toyyibPay, iPay88
Japan, Korea and China	KOMOJU, PortOne, Alipay, WeChat Pay
Bangladesh, Nepal and Sri Lanka	bKash, SSLCommerz, eSewa, Khalti, onepay
Across Latin America	Mercado Pago, dLocal, Kushki
Brazil	PagBank (PagSeguro), Stone (Pagar.me), Cielo, Rede, Asaas, all with Pix
Mexico	Conekta, Openpay, Clip
Colombia	Wompi, ePayco, Bold
Chile	Transbank Webpay, Khipu
Peru, Ecuador and Paraguay	Culqi, Payphone, Pagopar
Central America and the Caribbean	Fygaro, Tilopay
Australia and New Zealand	eWAY, Windcave, Pin Payments, NAB Transact, Westpac PayWay
Worldwide	Airwallex, Checkout.com, Rapyd, Payoneer, Antom, Amazon Pay
Pay later	Affirm, Klarna, Afterpay (Clearpay in the UK), Zip, Sezzle, humm, and Tabby and Tamara in the Middle East

With a pay-later provider, the customer pays in instalments and you get the full amount up front, less the provider's fee.

Apple Pay and Google Pay work through Stripe or Square: the customer pays with the card on their phone, at checkout and through pay links. On Square, you add the two buttons in its settings.

Your country's gateway isn't in the table? Most payment gateways offer a ready-made connection for online stores, and when yours does, we can connect it to Reservety. Deposits, security-deposit holds and saved cards depend on the provider, so ask us what yours can do before you choose.

Where these numbers come from

Each provider's public US pricing and help pages, read on the date at the top of this page: Stripe pricing and payouts; Square fees, transfers and card holds; PayPal fees and bank transfers; Authorize.net pricing; NMI. Providers change their prices: check their page before you sign up.