Best Credit Card Processing Companies for 2019

Read average customer ratings and get reviews for the top 60 credit card processing companies for small business, with answers to common questions.

Updated on June 12th, 2019

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Credit card processing companies allow small businesses to accept credit and debit cards securely. Credit card processing is an added expense for small businesses, but a necessary one for most companies at a time when fewer people carry cash.

Best Credit Card Processing Companies for Small Business:

Our Rank

Processing Company

Average Customer Rating

1.

Square

4.5

2.

Braintree

5.0

3.

Fattmerchant

5.0

4.

GoEmerchant

5.0

5.

BluePay Processing

4.5

6.

EBizCharge

4.5

7.

Charge.com

4.5

8.

Credit Card Processing Specialists

4.5

9.

Gravity Payments

4.5

10.

Heartland Payment Systems, Inc.

4.5

11.

Maverick BankCard, Inc.

4.5

12.

National Processing

4.5

13.

Nationwide Merchant Solutions

4.5

14.

NextPay

4.5

15.

Payline Data

4.5

16.

Payment Depot

4.5

17.

PayPal

4.5

18.

Quickbooks Payments

4.5

19.

Sage Payment Solutions

4.5

20.

Authorize.Net

4.5

21.

Soar Pay

4.5

22.

Stripe

4.5

23.

Transparent Merchant Services

4.5

24.

WorldPay

4.5

25.

Best Merchant Rates

4.0

26.

Chase Paymentech

4.0

27.

Costco Credit Card processing

4.0

28.

Dharma Merchant Services

4.0

29.

Electronic Transfer, Inc.

4.0

30.

eMerchant

4.0

31.

Electronic Payment Exchange

4.0

32.

GlobalPayments

4.0

33.

Helcim

4.0

34.

iTransact

4.0

35.

Merchant Anywhere

4.0

36.

Merchant Solutions

4.0

37.

National Bankcard

4.0

38.

Newtek Merchant Solutions

4.0

39.

PaySafe

4.0

40.

Spark Pay

4.0

41.

Upserve Payments

4.0

42.

US Merchant Systems (USMS)

4.0

43.

Cornerstone Merchant Services, Inc.

3.5

44.

CreditCardProcessing.com

3.5

45.

E-Commerce Exchange

3.5

46.

eData Financial Group

3.5

47.

Electronic Cash Systems

3.5

48.

Electronic Merchant Systems

3.5

49.

Federated Payments

3.5

50.

Flagship Merchant Services

3.5

51.

Intrix Technology, Inc.

3.5

52.

National Transaction Corporation

3.5

53.

North American Bancard

3.5

54.

Payeezy by First Data

3.5

55.

PayLeap

3.5

56.

Sterling Payment Technologies

3.5

57.

Perka by Merchant One

3.5

58.

Sam's Club Merchant Services

3.5

59.

TSYS

3.5

FAQs:

What Are Typical Credit Card Processing Fees

What are typical credit card processing fees?

Processing fees are typically a percentage per transaction, plus a flat fee, such as 2.2% + $0.25. There are also fees that can be added on such as compliance and chargeback fees. Fees vary by whether cards are accepted online or in person, based on average sale amount and several other factors.

See our full list of processors and fees for more.

Which companies are best for mobile credit card processing?

See our full list of processors.

What will credit card payment processing cost my business?

There are a lot of variables, from whether you take payment online or in-person, whether you swipe or enter manually, the size of your average sale, and what type of business you are. Finding the cheapest credit card processing for your business will require talking to processors directly, and nailing them down on fees.

What are merchant services?

Merchant services include a host of business financial services, such as POS systems, gift cards, check drafting, credit card processing merchant services, and more. The merchant services small businesses most often focus on are credit card payment processing.

How can I decide on a credit card merchant?

Look at their ratings from customers, BBB ratings, and read payment processor reviews. There are some companies that have gotten reputations for hidden fees and bad customer service that you'll want to avoid.

Beyond that, see that they fit your business. Some companies are better for smaller ticket sales, others for mobile or online payments. Some are better for high-risk transactions or high ticket sales. It's difficult to name just one best credit card processing company for small business with so many variables.

Where do I get a credit card machine for small business?

Most companies offer credit card machines or devices that work with smartphones or tablets. Some of these devices are free, some you'll need to pay for, depending on your business needs. Square credit card processing, for example, offers a magstripe reader for free, and a cash register for $999.00.

Best Ecommerce Credit Card Processing

What are the best eCommerce credit card processing providers?

What is high-risk credit card processing?

Business that have a high chargeback rate, are known for fraud, operate on the fringes of the law, have high average ticket sales, or are based off-shore may all be considered high risk, and may have to pay high fees, have trouble getting processing services at all, or have difficulty finding a credit card processing provider who will work with them.

Where can I find cheap credit card processing?

This depends on your business. There are so many factors that go into determining how much you pay that the cheapest credit card processing provider for one company could well be the most expensive for another.

Who has credit card processing for small businesses with no monthly fee included?

Shift, Square, Spark Pay, PayPal, EMS, and others don't require monthly fees, or at least offer plans without them. Depending on your business though, this may not be the best option for you. Some credit card processing services give discounted transaction fees in exchange for monthly payments.

Does credit card processing online always get charged per transaction?

Some online payment services like Helcim charge a flat monthly rate for e-commerce credit card processing, but most charge a small monthly fee in addition to a transaction fee.

If my business processes credit card payments online, can I also process debit cards?

Some debit cards can be processed by online merchant services if the debit card has a credit feature, but in most cases, you can only process debit cards in a physical store. An online merchant account works best with credit cards.

Can I set up payment processing on my website, or do I need to re-direct customers to an online payment processing site?

With website payment processing, you can integrate an online payment gateway into your online store. This makes website credit card processing much easier for your customers because they can complete their entire transaction on your site.

What are 3rd party credit card processing companies?

A 3rd party credit card company is just a company that performs credit card processing online for small businesses. Since most merchants don't have their own credit card payment solution, they turn to a 3rd party provider.

Can merchant services do more than online credit card processing?

Yes. While some companies only offer online payment processing services, many offer POS systems and other in-store solutions.

Online Merchant Account Providers

What are some online merchant account providers?