Category
Payments APIs pricing
Payments APIs let developers accept cards, wallets, and local payment methods programmatically. The category splits into best-in-class developer platforms with instant self-serve sandboxes and public per-transaction pricing (Stripe, Square, Razorpay, Mollie), and enterprise acquirers whose APIs are excellent but gated behind sales-led onboarding and quoted interchange++ pricing (Adyen, Checkout.com, Braintree). Compare on documentation/DX, reliability at scale, breadth of official SDKs plus agent/MCP tooling, and how fast a developer (or AI agent) can self-serve a working key with transparent pricing.
| API | Billed by | Free tier | Verified |
|---|---|---|---|
 Stripe Payments APIs | Per transaction (2.9% + $0.30) | Free tier or trial | Jun 27, 2026 |
 Square Payments APIs | Per transaction (2.6% + $0.15 in-person) | Free tier or trial | Jun 27, 2026 |
 Razorpay Payments APIs | Per transaction (~2% + GST) | Free tier or trial | Jun 27, 2026 |
 Mollie Payments APIs | Per transaction (1.8% + €0.25 EU cards) | Free tier or trial | Jun 27, 2026 |
 Braintree Payments APIs | Per transaction (2.59% + $0.49) | Free tier or trial | Jun 27, 2026 |
 Checkout.com Payments APIs | Custom (flat or interchange++) | Free tier or trial | Jun 27, 2026 |
 Adyen Payments APIs | Interchange++ (€0.11 + IC + ~0.6%) | No free tier | Jun 27, 2026 |