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Random freezes, missing sound and display glitches usually trace back to one bad driver. Find and replace yours safely.Free scan · under a minuteAdd a payment option only when the extra completed orders it generates are worth more than its full incremental costs. That means measuring contribution margin—not just payment-method adoption or overall checkout conversion—and accounting for fees, fraud, refunds, disputes, support, and settlement effects. The right answer can differ by country, customer segment, and seller.
Decide which customers need the option
Start with a specific checkout problem: which buyers or transactions lack a suitable payment choice today? The opportunity might be limited to a country, device context, order value, or buyer group. Estimate the share of checkouts that is genuinely eligible for the new method; a result among that group should not be applied to the whole marketplace.
Compare candidate methods on customer fit, total cost, incremental orders, risk and service needs, seller settlement, and rollout feasibility. Local context matters: payment methods can differ in convenience, fraud exposure, and transaction speed, and a method that fits one market may not suit another. Stripe’s payment-method guide offers directional framing on those trade-offs, not proof that any method will raise conversion for your marketplace.
Calculate the full incremental cost
There is no universal price for a payment option. Provider pricing may combine a fixed processing charge with a method-specific fee, and rates can vary by method and geography. Adyen describes this structure on its pricing page; use your current contracted rates for a decision rather than assuming public pricing is your agreement.
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#1 Best Overall
- With Square Terminal, you can ring up sales, accept payments, and print receipts, all with one device. Use it at the counter or ring up customers anywhere in your store.
- Accept all major credit and debit cards and pay one low rate with no hidden fees and no long-term contracts.
- Process chip cards in just two seconds.
- Get your money as soon as the next business day.
- Use it cordlessly with the built-in battery, designed to last all day.
Build a cost estimate for each candidate method and market. Include, where applicable:
- Provider processing charges and method-specific fees.
- Interchange, scheme fees, and provider commission or markup.
- Costs associated with refused, cancelled, or otherwise unsuccessful payments, separately from charges on successful payments.
- Refunds, disputes, fraud losses, and related handling.
- Settlement, payout, reconciliation, integration, and customer-support costs.
Adyen’s transaction-fee documentation describes these fee categories and notes that some aggregated processing costs cannot be allocated to individual payments. That makes a neat per-transaction figure imperfect: use a defensible allocation for analysis, and reconcile it against actual aggregate costs.
Rank #2
- Use the, easy-to-use, and customizable POS to get started.
- Accept contactless payments, chip cards, Apple Pay, and Google Pay from anywhere, with improved connectivity, extended battery life, and enhanced security. Pay one low rate for every tap or dip.
- No long-term commitments or contracts, no monthly fees- and with offline payments, keep taking payments for up to 24 hours.
- Safely and securely accepts payments anywhere. Plus, get data security, 24/7 fraud prevention, and payment-dispute management at no extra cost.
- Use the, easy-to-use, and customizable POS to get started.
Choose who bears each fee
Model the economics separately for the platform, sellers, and customers. A fee charged to a seller can still affect seller earnings or participation; a fee retained by the platform affects platform margin directly. Document how each component is recorded and how it appears in settlement, rather than assuming the provider’s default accounting matches the commercial arrangement you intend.
Adyen documents split instructions that can book specified fees to different marketplace balance accounts, although not every aggregated cost can be assigned to an individual payment. Stripe Connect describes features such as conditional pricing and margin reporting; confirm current availability and commercial terms with the provider. Neither a fee-allocation feature nor a report determines whether the method is profitable for your marketplace.
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Rank #3
- With Square Handheld, you can accept payments, take tableside orders, or scan barcodes anywhere. With a slim design and comfortable grip, the POS is easy to carry in your palm or pocket. Square Handheld is designed to withstand water splashes and dust. Add an optional protective case for accidental drops. A long-lasting battery and offline payments let you keep selling.
- Slim, pocketable, and lightweight so you can accept payments wherever your customers are.
- Take tableside orders, bust lines, or use the built-in barcode scanner, all with one sleek device.
- A battery that can power through your shift and offline payments let you keep selling, even if your internet is down.
- Accept all major credit and debit cards and pay one simple rate with no hidden fees and no long-term contracts required.
Be cautious about passing fees to buyers
A surcharge may pass payment-acceptance fees to a customer, but its use depends on applicable market rules, card-network requirements, provider terms, contracts, and clear customer disclosure. Adyen’s surcharge documentation describes the approach and the need for agreements covering how the fee is charged. Confirm the requirements that apply to your particular markets and agreements before implementation.
Estimate whether the option adds profitable orders
Use this scenario model:
Incremental contribution = incremental completed orders × contribution per order − incremental payment fees − incremental fraud, refund, dispute, support, and operating costs.
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Estimate incremental completed orders from a controlled test or a suitably cautious forecast. Do not count every order paid through the new method as incremental: some buyers would have completed the same purchase using an existing option. The relevant question is how many additional orders the option creates, and whether their contribution covers all the associated costs.
Do not treat adoption, transaction volume, or gross checkout conversion as proof of improved economics. A new method can attract use while substituting for an existing method or adding costs that outweigh any extra orders. No general conversion or margin uplift is established for marketplaces; the result must be measured for your own eligible customers and transactions.
Best Value
- A complete countertop point of sale — Combine dual responsive touchscreens, built-in POS software, and durable hardware for a fast, reliable checkout experience.
- Serve customers faster — Run smoothly through busy shifts, complex menus, and big orders with high-speed processing, memory, and responsive touchscreen displays.
- Accept every way they pay — Take all major cards at one simple rate, with no hidden fees or long-term contracts. Receive funds as soon as the next business day.
- Handle real-world demands — Resist everyday spills, dust, and wear with a durable, IP54-rated design.
- Stay reliable through every rush — Maintain strong connectivity and consistent performance through your busiest hours.
Test it on a defined segment
Where feasible, offer the method to a defined eligible segment and compare results with a holdout or a pre-agreed baseline. Choose the threshold for acceptable contribution and the review period before launch, so weak results are not rationalized after the fact.
Track outcomes per eligible checkout, including:
- Payment-method selection, authorization, and completed checkout.
- Average order value and contribution margin.
- Refunds, disputes, and fraud losses.
- Support contacts, operating costs, and settlement effects.
Break results out by country, device, seller category, and transaction value when sample sizes support meaningful comparisons. Stripe Connect documents margin reports and conditional pricing features, but those capabilities do not establish that a particular rollout will improve your results.
Quick Recap
Keep, adjust, or remove the option
- Keep it if measured incremental contribution is positive and customer and seller outcomes remain acceptable.
- Adjust it if the result misses your threshold but points to a fixable issue, such as eligibility, routing, pricing, or fee allocation; test the change against the same margin measure.
- Restrict or remove it if it adds cost without enough incremental value for the segment.
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
