What are the best payment processors for small businesses in 2025?

Square is best for in-person retail and restaurants with no monthly fees. Stripe is best for online businesses and developers. PayPal adds value when your customers prefer PayPal checkout. Helcim offers interchange-plus pricing with no monthly fee, making it cost-effective for businesses processing $5,000+/month. The best choice depends on your sales channel, volume, and technical needs.