15 Best Online Credit Card Processing Companies for 2018

Find out more about online credit card processing with information about the leading online credit card processing companies.

5 min read • Last updated on October 19th, 2018

Online credit card processing allows businesses to accept payments from their customers through their business website. This can be useful in a variety of businesses, but it is absolutely essential for e-commerce stores.

Best Online Credit Card Processing Companies:

Company Name

Average Customer Rating

Starting Price

Bill.com

4.5/5

$29.00 /mo. per user

Braintree

4/5

2.9% + $0.30 /transaction

Cayan

4.5/5

Quote only.

Costco Credit Card Processing

3.8/5

2.07% /transaction

Dharma

4.5/5

0.35% + $0.15 /transaction

Fattmerchant

4.8/5

$99.00 /mo.

Flagship Merchant Services

4.5/5

Quote only.

Helcim

4/5

$35.00 /mo.

Intuit GoPayment

4.5/5

$10.00 /mo.

National Bankcard

4.3/5

$5.00 /mo. + 0.85% /transaction

Payline

4/5

$10.00 /mo. + $0.10 /transaction

PayPal

4.5/5

2.9% + $0.30 /transaction

Quickbooks Payments

4/5

2.9% + $0.25 /transaction

Stripe

4.6/5

2.9% + $0.30 /transaction

Square

4.6/5

2.9% + $0.30 /transaction

Online Credit Card Processing FAQs:

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.

Best Online Credit Card Processing For Small Businesses
Best Online Credit Card Processing for Small Businesses:
  • Bill.com.
  • Braintree.
  • Cayan.
  • Costco Credit Card Processing.
  • Dharma.
  • Fattmerchant.
  • Flagship Merchant Services.
  • Helcim.
  • Intuit GoPayment.

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
Online Merchant Account Providers:
  • National Bankcard.
  • PayPal.
  • Payline Data.
  • Quickbooks Payments.
  • Stripe.
  • Square.
  • Bill.com.
  • Braintree.