Choosing a payment processor in 2026 is no longer just about accepting contactless taps; it is about selecting the operational engine of your retail or service business. While legacy leaders like SumUp and Zettle by PayPal dominate with pay-as-you-go mPOS models, aggressive disruptors like Flatpay are reshaping the market with zero-subscription flat-rate models, included hardware

Got it—my bad! Let’s get rid of the table and lay out the pricing clearly in standard text instead. Here is the revised version: For brick-and-mortar merchant services, choosing a card processing system often feels like walking into a pricing trap. Between interchange fees, PCI compliance charges, terminal rentals, and hidden statement fees, calculating your