Short answer: The best ecommerce payments platform for an enterprise retailer depends on what you need to change. If you need a new processor, with global acquiring or interchange-plus pricing, the main enterprise options are Adyen, Checkout.com, Stripe, Worldpay, J.P. Morgan Payments, Braintree and Cybersource, and most of them price large volume through sales. If you need more shoppers to finish checkout, Bolt adds one-click checkout, payments and fraud protection for US merchants, on Bolt Payments or on the processor you already use.
Two decisions, not one
Enterprise teams often bundle two choices under "payments platform":
- Who processes your cards. This sets your rates, acquiring coverage, settlement and dispute fees. Changing it means a new contract and usually a migration.
- What the shopper sees at checkout. This sets how many shoppers finish the order. It can change without changing your processor.
A processor switch can lower what you pay per order. A checkout change can raise how many orders you get. Know which problem you're solving before you send out an RFP.
Enterprise payments platforms compared
Each row describes the provider the way it describes itself on its own site, read November 11, 2026. Source IDs are listed under Sources.
| Provider | What it is | Pricing, as the provider publishes it |
|---|---|---|
| Adyen | Payment processor | A fixed processing fee plus a fee set by the payment method, with Interchange++ for some card methods. No setup or monthly fees; a minimum invoice depending on industry or business model. Published fees are indicative; custom pricing through sales [A1] |
| Checkout.com | Payment processor | Tailored pricing, either fully flat-rate or interchange++. No setup or account maintenance fees [C1] |
| Stripe | Payment processor | 2.9% + 30¢ for domestic cards, plus 1.5% for international cards and 1% when currency conversion is needed. $15 per dispute. Custom packages, including IC+ pricing, for large volume [S1] |
| Worldpay | Global payment processing for enterprise merchants; Worldpay says it accepts payments in 146 countries and 135+ currencies | Not published. Through sales [W1] |
| J.P. Morgan Payments | Online, omnichannel and in-store payment processing | Not published. Through sales [J1] |
| Braintree (PayPal) | PayPal's payment processing for cards and digital wallets | 2.89% + 29¢ for cards and third-party digital wallets; $15 per chargeback. Custom flat rates, interchange plus and discounted rates for established businesses [P1] |
| Cybersource | A Visa solution for payment acceptance and fraud management | Not published. Through sales [CY1] |
| Bolt | One-click checkout, payments and fraud protection for US merchants. Runs on Bolt Payments or your existing processor; works with 11 processors, including Stripe | Bolt Payments: 2.5% + 30¢ per card transaction, $7.50 per chargeback. A 1.35% Bolt Network fee applies only when an existing Bolt user signs in. No lock-in [B1] |
These are list prices. Most of these providers offer custom pricing for large volume, so get quotes for your own volume and card mix.
What to ask before you choose
- Do you need a new processor at all? If your processor's rates and coverage work for you, the bigger gain may be at checkout. Bolt can run on your current processor.
- Flat rate or interchange plus? Interchange plus shows card-network and interchange costs separately from the processor's markup. A flat rate is simpler to forecast. Ask for both, priced on your real card mix.
- What does a chargeback cost, and who pays for fraud? On the list prices above, a chargeback costs $15 on Stripe and Braintree and $7.50 on Bolt Payments. Ask whether fraud chargebacks on approved orders are covered, and on what terms.
- Where do you sell? Global acquiring matters if you sell in many countries. Bolt serves US merchants only.
- Does it run on your platform? Check Shopify, Salesforce Commerce Cloud, Adobe Commerce, BigCommerce, WooCommerce or your custom stack.
- How will you launch it? A processor migration involves contracts, stored cards and reconciliation. A checkout change can be tested on a share of traffic first.
Where Bolt fits
Bolt is for US merchants who want more completed orders, with or without a processor change.
- Keep your processor, or switch. Bolt works with Bolt Payments or your existing processor, with 11 processors supported, including Stripe. Bolt Payments costs 2.5% + 30¢ per card transaction, against the industry's 2.9% + 30¢. See payments and pricing.
- One-click checkout. A one-click checkout network of over 100 million shoppers. Bolt recognizes shoppers by email plus a one-time code, on their first visit to your store, and the store keeps the customer data. Bolt account holders convert 50% better than guest shoppers (Bolt internal data). See checkout.
- Enterprise results. Revolve saw a 10% lift in checkout conversion and 4% higher revenue with Bolt. FWRD saw a 9.92% conversion lift in a mobile A/B test, November to December 2023.
- Fraud cover. Total Fraud Protection covers 100% of fraud chargebacks on approved orders*, with Bolt Payments or an approved third-party processor. See fraud.
- Platforms. Shopify (through Managed Checkout), Salesforce Commerce Cloud, Adobe Commerce, BigCommerce, WooCommerce, or custom via API.
- Launch. Implementation typically takes between a few days and a few weeks.
*Qualifying transactions, under your Bolt agreement.
When a processor switch is the right call
Change processors if you need acquiring in countries your current processor doesn't cover, in-store and online on one platform, or pricing terms your current processor won't match. Get quotes from two or three of the processors above for your volume. If checkout conversion is the gap, test a checkout change first: it's the smaller project, and you can keep your processor while you measure it. To see how Bolt compares with other checkouts, see compare.
Sources
All read November 11, 2026.
- [A1] Adyen, Pricing. https://www.adyen.com/pricing
- [C1] Checkout.com, Pricing. https://www.checkout.com/pricing
- [S1] Stripe, Pricing. https://stripe.com/pricing
- [W1] Worldpay, Enterprise. https://worldpay.com/en/enterprise
- [J1] J.P. Morgan Payments, Commerce solutions. https://www.jpmorgan.com/payments/solutions/commerce
- [P1] PayPal, Braintree fees, last updated May 7, 2026. https://www.paypal.com/us/enterprise/paypal-braintree-fees
- [CY1] Cybersource, About. https://www.cybersource.com/en/about.html
- [B1] Bolt pricing. /pricing
FAQ
What is the best ecommerce payments platform for enterprise retailers?
It depends on what you need to change. To change who processes your cards, compare enterprise processors such as Adyen, Checkout.com, Stripe, Worldpay, J.P. Morgan Payments, Braintree and Cybersource, and get quotes for your volume. To get more shoppers through checkout, Bolt adds one-click checkout on Bolt Payments or on your existing processor. Revolve saw a 10% lift in checkout conversion and 4% higher revenue with Bolt. Bolt serves US merchants.
What is the difference between a payment processor and a checkout?
A processor authorizes and settles card payments, and sets your rates and dispute fees. A checkout is the flow where the shopper enters details and pays. You can change the checkout without changing the processor: Bolt works with 11 processors, including Stripe.
Do enterprise payment processors publish their pricing?
Some do. Stripe and Braintree publish standard rates, and Adyen publishes indicative fees. Checkout.com, Worldpay, J.P. Morgan Payments and Cybersource price through sales. Most offer custom pricing, including interchange plus, for large volume.
How much does Bolt Payments cost?
2.5% + 30¢ per card transaction and $7.50 per chargeback, half the industry standard of $15. A 1.35% Bolt Network fee applies only when an existing Bolt user signs in. There's no network fee on guest orders or for shoppers who created their account on your site, and there's no lock-in.
Can I keep my processor and still use Bolt?
Yes. Bolt works with Bolt Payments or your existing processor, with 11 processors supported, including Stripe.
Does Bolt work outside the US?
No. Bolt serves US merchants.
Talk to Bolt
Weighing a processor change, or want to test a faster checkout on the processor you already have? We can price it against your current statement. Contact sales.
Adyen, Checkout.com, Stripe, Worldpay, J.P. Morgan, Braintree, PayPal, Cybersource and Visa are trademarks of their owners. Bolt is not affiliated with or endorsed by these companies.