Choose your PSP with
real data, not guesswork
Run identical transaction sets against multiple PSPs simultaneously and get empirical acceptance rates, latency benchmarks, decline code breakdowns, and cost models — specific to your card mix, geography, and merchant category.
Three steps to an empirical PSP decision
Define Your Test Profile
Specify your card mix (Visa/MC/Amex/Intl), transaction amount range, target countries, and 3DS configuration. PayServ builds a statistically representative test set matching your real transaction profile.
Parallel PSP Execution
PayServ submits identical transaction payloads to each selected PSP simultaneously. Every authorization attempt, response code, and latency measurement is captured and normalized across PSPs.
Side-by-Side Report
View acceptance rates, latency percentiles, decline code breakdown, and cost model comparison in a single dashboard. Export a PDF report for stakeholder review or board presentations.
What a PSP comparison report looks like
Representative data for a US e-commerce merchant, mixed card profile, 200–500 USD range.
| Metric | Square | Stripe | Fiserv | Adyen Best |
|---|---|---|---|---|
| Visa acceptance rate | 96.2% | 97.1% | 96.5% | 97.8% |
| Mastercard acceptance rate | 94.8% | 95.4% | 95.1% | 96.1% |
| Amex acceptance rate | 91.3% | 92.8% | 92.0% | 93.4% |
| International card acceptance | 87.5% | 89.2% | 88.1% | 93.1% |
| P50 auth latency | 280ms | 240ms | 260ms | 195ms |
| P95 auth latency | 420ms | 380ms | 400ms | 290ms |
| P99 auth latency | 890ms | 720ms | 810ms | 480ms |
| Fee model | 2.9% + 30¢ | 2.9% + 30¢ | Interchange+ | Interchange+ |
* Indicative data — your actual results will reflect your card mix, geography, and MCC. Run a comparison with your own transaction profile for accurate benchmarks.
What the data tells you
International Card Priority
If your customers use non-US issued cards, acceptance rate differences between PSPs widen significantly. Adyen and Stripe generally outperform Square for cross-border transactions. Consider routing international cards to the best-performing PSP.
Cost Optimization
At volume, interchange-plus pricing (Adyen) often beats flat-rate pricing (Square, Stripe). PayServ's cost model uses your actual transaction mix to estimate blended cost per PSP at different volume tiers.
Latency-Sensitive Applications
For real-time applications (POS, live events, booking engines), P99 latency differences between PSPs can directly impact conversion. A 400ms improvement at P99 reduces the tail latency customers experience during peak periods.
Multi-PSP Routing Strategy
The optimal strategy is rarely a single PSP. PayServ's routing engine lets you define rules — route by card type, geography, amount tier — to get the best acceptance rate from each PSP for each transaction type.
Make your next PSP decision with data
Define your transaction profile, run a parallel comparison across up to 6 PSPs, and get a board-ready report in one workflow.