Как ранжирует этот индекс

How many assets and chains are live for merchants, and in which markets settlement actually works.

The gap between a global asset list and live local coverage is where most disappointment in this category starts. A provider listing 300 coins that cannot settle in your country scores badly here and should.

Источник: Provider asset and country pages, checked per card.

Processing percentage, conversion spread and payout cost taken together, not the headline number alone.

The advertised percentage is rarely the whole figure. A 0.5% gateway that takes 2% on conversion costs more than a 1% gateway that settles in the asset received.

Источник: Published pricing pages only. Negotiated enterprise rates are excluded because they are not verifiable.

What a merchant must submit before going live, how long it takes, and which verticals are refused outright.

This decides whether a business can use the provider at all. A perfect product behind a KYB process that rejects your vertical scores zero for you.

Источник: Provider Terms of Service and onboarding documentation.

Maintained plugins, API surface, webhook reliability and whether a developer can reach a test transaction from public docs alone.

A sales engineer walking you through integration hides how good the docs are for whoever maintains this in a year.

Источник: Public developer documentation and plugin directories.

Reachable channels, published response commitments, and documented handling of underpayment and wrong-network sends.

Payments break at inconvenient times by definition. It carries the smallest weight because it is the hardest to verify from public sources, and a criterion that cannot be checked should not outvote one that can.

Источник: Provider support pages and public documentation.