Card providers
Card processor comparison — Helcim, Stripe, Square, PayPal, SumUp & JIM
Fees, payouts, Apple Pay, Tap to Pay, and which processors connect inside Loafaly. Helcim Interchange+ is Core+; Stripe and Square work on every plan.
Prices as of August 2026. Verify on the processor’s site before you switch.
| Processor | In Loafaly | Loafaly plan | Where it works | Monthly fee | Online / keyed | In person | Apple Pay | Google Pay | Tap to Pay in Loafaly | Payout | Notes |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Stripe | Connected in Loafaly | Every plan | US, UK, EU, CA, AU, and many more | $0 (Stripe) + Loafaly 2% platform fee on Free-tier card sales | Typically 2.9% + 30¢ (US card-not-present; local rates vary) | Typically 2.7% + 5¢ (Stripe Terminal / Tap to Pay in Loafaly) | Yes | Yes | Yes | Standard Stripe Connect payouts (usually 2 business days in the US) | Best global coverage, wallets, collab splits, and Stripe Tax. Highest typical US online rate of the integrated set. |
| Square | Connected in Loafaly | Every plan | US, CA, UK, AU, JP, and more (Square account country) | $0 | Typically 2.9% + 30¢ (US e-commerce) | Typically 2.6% + 10¢ (readers + Tap to Pay in Loafaly) | Yes | Yes | Yes | Next-day Square deposits (instant payout optional, extra fee) | Strong in-person hardware and Tap to Pay. Gift-card product on Square is optional. |
| PayPal | Connected in Loafaly | Pro | Wherever PayPal Business is available | $0 | Typically 2.99% + 49¢ (US Advanced Checkout; PayPal/Venmo wallets extra eligibility rules) | Not a Loafaly in-person rail (wallets/cards in checkout dialogs) | Yes | Yes | No | PayPal Business balance / bank withdrawal | PayPal + Venmo wallet buttons (Venmo: US/USD). Pro advanced rails. Not Tap to Pay. |
| SumUp | Connected in Loafaly | Pro | UK, EU, and other SumUp markets (not a US Interchange+ alternative) | $0 | Typically ~2.75% (country-specific) | SumUp readers where supported in Loafaly | Yes | Yes | Readers / SumUp app — not Helcim-style IC+ | SumUp payout schedule by country | Pro advanced rails. Subscriptions are not billed on SumUp in Loafaly v1. |
| JIM | Not connected — separate app | — | United States (select industries) | $0 | Payment links 4.99% + 30¢ (not in Loafaly) | 1.99% Tap to Pay on iPhone (JIM app only) | In the JIM app, not Loafaly | Yes | No | Instant to a JIM Visa prepaid card; bank transfer 1.99% + 99¢ | Cheap phone Tap to Pay, but sales live in JIM — not Loafaly orders, kitchen, or books. Helcim is the integrated Interchange+ alternative; Square/Stripe keep Tap to Pay inside Loafaly. |