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The Best Credit Card Processors of 2020

Lori Fairbanks, Staff
November 14, 2019

Update: We've revised this page to include Stripe's recent partnership with WordPress.com to offer recurring payments.

When it comes to choosing a credit card processing company for your small business, you have a lot of options. There are hundreds of payment processors, and they're eager to work with you. The challenge is figuring out which one will be the right fit for your business. In our testing, we looked for providers that have transparent credit card processing fees, reliable customer support and no long-term contracts. See our recommendations below, or check out our credit card processing guide for tips to help you choose the best credit card processor for your business.

Our Best Picks

To help you find the right payment processor, we researched and analyzed more than 100 options. Here's a roundup of our recommendations for the 2019 best credit card processing companies and an explanation of how we chose them.

Flexible Terms

Best for Flexible Terms
Rates: 0.30% + $0.10 above interchange per transaction

Best Overall

Best Overall for Small Businesses
Rates: 0.25% + $0.08 above interchange per transaction

Online

Best Online Processor
Rates: 2.9% + $0.30 flat rate per transaction

Low-Volume

Best Low-Volume Processor
Rates: 2.7% flat rate per transaction

Mobile

Best for Mobile
Rates: 2.75% flat rate per transaction

High-Volume

Best for High-Volume
Rates: 2.3% + $0.10 flat rate per transaction

Editor's note: Looking for a credit card processor for your business? Fill out the below questionnaire to have our vendor partners contact you about your needs.

Flagship Merchant Services

Flexible Terms

Summary

Flagship Merchant Services is our pick for the best flexible terms because it offers favorable month-to-month terms to all its merchants, and there's no setup, gateway setup or early termination fees. This full-service credit card processing company has competitive rates and offers both tiered and interchange-plus pricing, so you can choose the pricing model that's best for your business. The service includes a merchant account and a wide range of payment processing options, including in-person, online and mobile credit card processing. If you need a more advanced solution, you can use the popular Clover POS system with Flagship. Flagship has an easy application process and 24/7 customer support.
Read our full review of Flagship Merchant Services

Helcim

Best Overall

Summary

Helcim is one of the most transparent credit card companies in the industry. The service provides interchange-plus pricing to all its merchants and posts its complete rates and fees on its website, so you know exactly what you'll pay. Its rates are low, it offers volume-based discounts and it's one of the few companies with a rate lock, guaranteeing its margin won't increase over the life of your account. Helcim has in-person, online and mobile processing, plus more advanced solutions such as invoicing, recurring payments, and level 3 and multicurrency processing. The company provides services on a month-to-month basis, charges no early termination fee and has 24/7 phone support.
Read our full review of Helcim

Stripe

Online

Summary

Stripe is our pick as the best online credit card processing company. It's easy to set up an account, so your online store can start processing credit card sales right away. It also has plugins and integrations for hundreds of business software applications and services. Stripe is packed with features and customization options, which lets you tailor the service to suit the unique needs of your e-commerce businesses. The company also has flat, transparent pricing, so you'll know exactly what you'll pay.

November 2019: Stripe's recurring payments feature is now available to WordPress.com's paid users and those using Jetpack to self-host sites. WordPress.com says the process of signing up for Stripe, connecting it to a WordPress account, and adding a recurring payments button to a site takes just five minutes and doesn't require the user to have any technical background. Recurring payments will allow WordPress.com users to accept regularly scheduled donations, offer site memberships or ongoing subscriptions, and charge for exclusive content such as weekly newsletters.
Read our full review of Stripe

PayPal Credit Card Processing

Low-Volume

Summary

PayPal offers credit card processing to all types of businesses and has budget-friendly pricing, which is why it's our best pick for businesses with low-volume sales. Whether you run credit card transactions in person, online, on the go or all of the above, PayPal's credit card processing solution can work for you. Designed specifically for small businesses and startups, the service has pay-as-you-go terms and comes with additional perks like basic POS features, the ability to extend credit to customers, a rewards business Mastercard program, and 24/7 phone and email support.
Read our full review of PayPal Credit Card Processing

Square

Mobile

Summary

Square provides a fast and easy way to accept credit card payments anytime, anywhere, and it's our pick as the best mobile credit card processing company. Getting started is simple. Just sign up for an account, download the Square credit card payment app and plug Square's card reader into your iOS or Android device. Its app includes full-featured point-of-sale software, and you can also use Square's stand to turn your iPad into a powerful POS system at your checkout counter. Square offers additional hardware and software solutions for all types of businesses, along with simple pricing, fast deposits, integrations and other benefits.
Read our full review of Square

Fiserv

High-Volume

Summary

Fiserv, formerly known as First Data, is one of the largest credit card processors in the U.S., and it's our best pick for high-volume businesses. The company offers competitive rates and is willing to negotiate fees. Plus, it has the technology in place to allow its merchants to accept all types of payments – including Alipay, a popular Chinese payment method that merchants in tourist towns may wish to accept. Its Clover line of processing equipment is scalable, includes both stationary and mobile options and integrates with multiple third-party apps. And its First Data Salutes initiative offers perks to merchants in the military and their spouses. Fiserv provides 24/7 phone support and live chat.
Read our full review of Fiserv

Our Methodology

To help you find the right credit card processing solution, we researched and analyzed dozens of options. Here's an explanation of how we chose our 2019 best picks for credit card processing.

Locating the Best Services

To find the best credit card processors for small businesses, we started by asking business owners which credit card payment processing companies they use or have worked with. We also asked what the businesses liked and disliked about these vendors, and whether they would recommend them to other small businesses and why.

Choosing the Best Services

Next, we created a comprehensive list of credit card processors suitable for small businesses. This included those mentioned by the small business owners we spoke to, the processors we were familiar with and those that contacted us asking to be considered, In addition to these, we looked at credit card processing companies that appeared on reputable online sources, such as merchant services review sites and business websites.

Researching Each Service

We then researched these vendors and narrowed our list down based on different use-case scenarios (i.e., the Best Picks categories, above). Our research consisted of reviewing each processor's website, watching videos, reading how-to guides and browsing help resources. We also posed as business owners and asked questions of sales and customer support reps to get a better idea of the quality of service and to find information that isn't readily available online.

Our Best Picks

In total, we compiled a list of almost 100 credit card processors. Our picks for the top credit card processing companies are Fiserv, Flagship Merchant Services, Helcim, PayPal, Square and Stripe. Those that made it to our shortlist include Authorize.net, Braintree, Chase Merchant Services, Dharma Merchant Services, Elavon, EMSplus, Fattmerchant, Global Payments, Moolah, Payline, Payment Depot, SumUp, TSYS and Worldpay.

What to Expect in 2020

It's taken American consumers longer to begin using mobile wallets like Apple Pay, Google Pay, and Samsung Pay than industry experts expected, but usage continues to grow, and according to a Zion Market Research report, 90% of cell phone users will make a mobile payment by 2020, up from just 50% in 2017. Globally, U.N. payment experts predict that in-store mobile payments will finally overtake credit card usage by 2020. This is good news for merchants that have the technology to accept mobile payments because consumers that pay with mobile wallets spend more and shop more frequently, according to a recent study by operations management researchers at the University of Illinois at Urbana-Champaign. 

Physical credit cards will soon be upgraded to contactless, tap-and-go credit cards that use near-field communication (NFC) – the same technology that powers mobile payments. The benefit of contactless cards is that transactions are faster than those made using EMV chip cards, but they're just as secure. For merchants and consumers that disliked the slower transaction times of EMV cards, tap-and-go cards will be a welcomed update.

Chase, the largest U.S. issuer of credit cards, plans to roll out tap-and-go Chase Visa credit cards to customers whose cards are up for renewal in 2019, as well as those who open new accounts. Later in the year, it will begin issuing tap-and-go debit cards.

Full List
Best Picks

Full List of Credit Card Processors

Here's a full list of credit card processing service providers and a summary of what each company claims to offer. This list also includes our best picks, which are marked with badges.

Amazon Pay

Amazon Pay, formerly known as Amazon Payments, is a credit card processing service for online merchants. You add its familiar checkout button to your website, and your customers use their Amazon credentials to complete their transactions. You pay a flat percentage of each sale and a per-transaction fee. There's no long-term contract or monthly, annual, gateway or PCI compliance fees.

Auric

Auric aims to provide businesses with affordable credit card processing. With this service, your business pays a monthly fee but passes the 3.99% credit card fee for each transaction to your customers as a service charge, which the platform removes, or discounts, when customers use cash.

Authorize.Net

Authorize.Net is a payment gateway provider that lets you accept credit cards through the platform itself or integrate payment with your existing merchant account. Mobile credit card processing is also available. Features include advanced fraud detection, customer information management, invoicing, recurring billing and e-check processing.

BankCard USA

BankCard USA offers all types of credit card processing solutions for small businesses, including wireless and mobile processing, e-commerce solutions and POS systems. It claims to have a guaranteed low rate, but its rates and fees aren't clearly disclosed on its website. BankCard USA promises same-day application decisions.

BASYS Processing

BASYS provides credit card processing services with features including free online reporting. The company offers several solutions including TransFreedom, ProPay and Clover Capital. Choosing a solution depends on your business's needs.

BestMerchantRates

Best Merchant Rates boasts everyday low rates and posts its interchange-plus pricing on its website. The company states that there are no long-term contract or cancellation fees, so you won't have to worry about any unpleasant surprises. It sells processing equipment or, if you already have hardware, reprograms it for free.

BluePay Processing

BluePay Processing, recently acquired by First Data, offers all-in-one credit card processing solutions for a wide range of B2B and B2C merchants, including nonprofits. It offers omnichannel and Level 3 card processing, but it specializes in online transactions and integrates with more than 450 software platforms.

BlueSnap

BlueSnap has an all-in-one payment platform for B2B and B2C businesses that supports omnichannel processing. With it, you can accept payments from online, mobile and in-store sales, as well as from invoices and subscriptions. With it, you can accept more than 100 payment types, including mobile wallets.

Braintree

Want to accept more than one type of online payment? Braintree, a PayPal company, lets you accept PayPal, Apple Pay, Venmo and more using a single integration into your website or app. You can also accept more than 130 currencies. Volume pricing is available for companies processing $80,000 or more per month.

Card Z3N

The business offers a large quantity of services ranging from merchant services to HR services to consulting. Card Z3N's merchant services and credit card processing offerings are designed specifically with small businesses in mind.

Cartwheel Register

Cartwheel Register by Tantrum Street is a mobile credit card processing app for the iPhone and iPad. Instead of using a card reader, it uses your device's camera to capture card data. The company charges a flat percentage of each sale plus a per-transaction fee. There are no monthly, annual or PCI compliance fees. There's no contract either, so you can cancel at any time without penalty.

CDGcommerce

CDG Commerce provides in-store, mobile and online credit card processing services for businesses of all sizes across multiple industries. It doesn't require you to sign a contract, and it integrates with more than 50 accounting software programs, e-commerce platforms and CRM systems.

Century Business Solutions

Century Business Solutions provides in-store, mobile and online payment solutions for businesses of all sizes across multiple industries. It doesn't require you to sign a contract, and it integrates with more than 50 accounting software programs, e-commerce platforms and CRM systems.

Change Merchant Solutions

Change Merchant Solutions offers a choice between flat and interchange-plus pricing, and every six months it invites its merchants to submit a statement for an audit to ensure their rates haven’t increased. It works with new businesses and can approve applications as quickly as same day. It doesn’t charge setup or cancellation fees.

Charge.com

Charge.com merchant accounts let you process credit cards online and offline, even if you have bad credit or are a high-risk merchant. The company says it offers low rates, but it only posts its qualified debit card rate on its website. It comes with free setup, software, online shopping cart, and terminal or credit card reader.

Chase Merchant Services

Chase Merchant Services, formerly known as Chase Paymentech, is one of the largest processors in the industry. It offers a wide range of products to help small businesses accept credit cards in person, online and on the go. Its processing services comes with advanced fraud protection, data encryption and other security tools to make sure your business and customers stay protected from cyberattacks.

Cornerstone Merchant Services

Cornerstone offers merchant accounts, a variety of processing equipment and its own online payment gateway, so you can accept credit card payments in-store, online and on the go. It pairs its customers with a dedicated account executive, so you'll have a consistent contact throughout the life of your account.

Credit Card Processing Specialists

Credit Card Processing Specialists advertises a free terminal, no long-term contract and a low-rate guarantee, though it only shows its qualified debit card rate on its website. It offers industry-specific merchant accounts, a variety of processing services and third-party software integration (including QuickBooks).

Currencycloud

Currencycloud is a cross-border payments platform based in New York and London that helps B2B businesses accept payments from international customers. It provides real-time exchange rates and has a global collections program that provides your clients with virtual, local account numbers so you can receive payments faster.

Dharma Merchant Services

Dharma Merchant Services is a certified green business that provides payment processing for retail, restaurant and e-commerce businesses. It has no long-term contract requirements and is transparent about pricing, posting its complete rates and fees on its website. The company donates generously to charity and offers discounted rates to nonprofits.

Due

Due is an online credit card processing service that offers several payment options. You can use it with your online store and digital invoices, and it allows you to accept payments from domestic and international customers. It also offers a time-tracking tool that freelancers and small businesses can use to track their billable time.

E-Commerce Exchange

Accept credit cards and integrate your credit card terminal or POS system with QuickBooks when you use E-Commerce Exchange. The company also lets you accept international payments, online payments, checks, and EBT. It offers other business services such as small business loans, merchant cash advances and payroll services.

eData Financial Group

eData provides in-person, mobile and online credit card processing for U.S. businesses and international businesses, including those that are in high-risk industries. It sells processing equipment, such as the Clover POS system, and offers small business loans, merchant cash advances and marketing services.

Elavon Credit Card Processing

Formerly NOVA, Elavon is one of the largest credit card processors in the world. It works with businesses of all sizes, though its focus is small and midsize businesses, and partners with Costco to offer processing services to the wholesale club's business members. Its services include retail, mobile and online credit card processing, and it can provide you with processing equipment as well.

Electronic Cash Systems (ECS)

ECS, a division of US Alliance Group, provides merchants with credit and debit card processing services. In addition to mobile credit card readers and countertop checkout terminals, ECS sells and supports ATMs. It offers additional business solutions such as ACH transfers, remote electronic deposits and merchant cash advances.

Electronic Payment Exchange

Also known as EPX, Electronic Payment Exchange has nearly 40 years of experience in the payment processing industry and is a subsidiary of North American Bancard. It uses multiple technologies to secure your processing data end-to-end and provides retail, online, mobile and ACH processing services.

Electronic Payment Systems

Electronic Payment Systems is another provider that offers more than credit card processing. In addition to retail, mobile and online processing, it provides processing equipment, check processing, loyalty and gift cards, merchant cash advances, and marketing and SEO services.

Electronic Transfer Inc.

Electronic Transfer Inc. offers retail, e-commerce, mail, phone and mobile credit card processing solutions. It claims low rates and no hidden fees, but they aren’t posted on its website. It advertises free merchant-account setup and a virtual terminal. It provides 24/7 support.

eMerchant

eMerchant offers credit card processing services for all types of businesses. This includes retail stores, service providers, ecommerce businesses, professional offices and mobile merchants. The company claims to have the lowest rates for card-present transactions but doesn't post them online. It promises fast approvals and quality customer service.

EVO iPOS

EVO iPOS, a division of EVO Payments International, was formerly known as Sterling Payment Technologies. This full-service credit card processor works with retail, restaurant, B2B, e-commerce and service businesses. It offers credit card readers, POS systems, mobile payment processing and value-added programs like gift cards.

FrontStream Payments

FrontStream Payments, formerly known as FastTransact, is a division of fundraising solutions provider FrontStream. It provides credit card processing services to businesses in education, home healthcare, home services and nonprofit industries. The company has its own payment gateway, called ArgoFire, and sells POS systems like Clover Station.

Fattmerchant

Fattmerchant is an integrated payment technology platform that allows you to accept credit cards in store, on the go, over the phone and online. It has real-time data analytics and integrations for accounting software, e-commerce platforms and POS systems. Fattmerchant is transparent about its subscription-based pricing and has no hidden fees and no long-term contract.

Federated Payments

Federated Payments offers check acceptance and merchant services, including retail, online, phone and mobile processing. It has a cash-advance program, and notes that it approves most applicants and no financials are required to apply. Gift cards, customer loyalty programs and processing equipment are also available from this company.

Flint

Flint has partnered with Stripe to offer an innovative mobile credit card processing system. You don't need a reader to accept credit cards on your smartphone – just download the credit card payment app and then scan the card to process a transaction. It also comes with features like e-commerce processing and invoice billing.

Global Payments

Global Payments ranks among the largest credit card processors in the U.S., though it also serves businesses in many other countries. The company offers a full range of processing services to businesses of every size, across many industries, including retail, restaurant, healthcare, education, gaming and nonprofits.

goEmerchant

goEmerchant provides payment processing services for e-commerce businesses, but it works with companies that accept payments in person as well, offering terminals, a POS system and a mobile card reader. It also has developer tools for businesses that need custom integrations.

Gotmerchant.com

Gotmerchant provides credit card processing services and equipment to retailers, restauranteurs and online merchants. Its hardware options include credit card machines, wireless card readers, electronic cash registers and POS systems. It also offers touch tone credit card processing and integration with Yahoo Store Merchant accounts.

Heartland

Heartland, a Global Payments company, is a popular small business credit card processor that provides in-person, e-commerce and mobile payment processing to businesses in many industries. The company offers interchange-plus pricing to all its merchants, which is the pricing model industry experts recommend. It also offers robust data security and 24-hour customer service.

Host Merchant Services

Host Merchant Services offers interchange-plus pricing to all its merchants and is transparent with its rates, posting them on its website. It works with all business types, including those in restaurant, retail, construction, medical and fitness industries. It also works with high-risk businesses and offers discounted rates to nonprofits. There's no long-term contract and no early termination fee. There's also no setup fee or monthly minimum.

Intrix

In addition to merchant services and payment gateways, Intrix provides bespoke payment solutions to enterprise businesses, APIs that developers can use to connect with proprietary software, and white-label products such as virtual terminals, mobile apps, and hosted payment pages that resellers can customize with their own branding.

Leap Payments

Leap Payments offers interchange-plus pricing to all its merchants and is one of the few companies with a rate-lock guarantee. It sells a variety of terminals and POS systems. Supported businesses include retail stores, restaurants, professional and personal service providers, contractors and home services, and e-commerce stores. It also works with businesses in high-risk industries.

MSI Merchant Service

MSI Merchant Service is a Shift4 Payments company (formerly Harbortouch) that provides payment processing services and equipment to small businesses. MSI’s website talks about interchange rates, but its application shows tiered pricing, so you may need to specifically request interchange-plus pricing when you call for a quote. It offers on-site installation services and training as well as 24/7 technical support.

Maverick BankCard

This company works with various banking partners to deliver the right products and services for your business's needs. The businesses that Maverick BankCard can provide credit card processing services for run the gamut of industries: retail, restaurant, ecommerce, hospital, lodging, gas station and nonprofit. It can also work with high-risk businesses.

Merchant Anywhere

Merchant Anywhere offers its processing services to small businesses on a month-to-month basis and charges a single monthly fee, which includes gateway services. There are no fees for application, setup, cancellation or statements. There’s also no monthly minimum. You can use Merchant Anywhere on Android and Apple devices as well as computers.

Merchant One

Merchant One offers processing solutions for small businesses that accept card payments in-store, online, on the go, or by mail and phone order. It approves a high percentage of applicants, can set up your account quickly and provides 24/7 customer support. It also offers check processing, gift cards, loyalty programs and merchant cash advances.

Merchant Solutions

Merchant Solutions lets you accept credit cards in person, online and by phone. The company works with business of all sizes, including those that are home-based. Services also include mobile and PC credit card processing, as well as merchant and POS cash-advance programs. It advertises a free terminal placement program, but terms for it aren't posted.

MerchantPlus

MerchantPlus provides retail and online credit card processing to businesses of all sizes. It offers interchange-plus pricing with a single monthly fee to its merchants. With its RateAssure program, your interchange markup decreases as your average monthly volume increases. It has integrations available for shopping carts, gateways, terminals and POS systems.

National Bankcard

This company provides its processing services on a month-to-month basis with no cancellation fee. You can choose either interchange-plus or tiered pricing, but you’ll have to call for a quote since only its qualified rate for swiped debit cards is posted on its website. The company sells terminals, POS systems and mobile card readers, and you can view pricing for these items online.

National Processing

National Processing offers credit card processing for retail, restaurant, and online businesses, as well as those that sell over the phone or by mail order. It has interchange-plus pricing and you can view its rates on its website. ACH and check processing services are also available.

National Transaction Corporation (NTC)

NTC lets you process credit cards, debit cards, EBT cards, online payments, electronic checks and gift cards using your own phone, tablet or computer. If you prefer to use a payment terminal, the company offers this option as well. NTC works with businesses in a variety of industries, including travel agencies and healthcare businesses that process medical claims.

Nationwide Merchant Solutions

Nationwide Merchant Solutions has a roster of services to help you accept credit cards and grow your business. In addition to in-person, mobile and online credit-card processing, it also offers ACH and Level 3 processing. It advertises no contract and interchange-plus pricing, though its rates aren't posted on its website.

Newtek

Newtek offers a full suite of processing services for retail, mobile and ecommerce businesses, allowing you to accept all major credit and debit cards as well as payments made using mobile wallets like Apple Pay. Newtek sells a variety of processing equipment and provides its customers with 24/7 support.

NextPay

NextPay is a full-featured online credit-card-processing company that works with international businesses as well as those in some high-risk industries. Its features include email payments, subscription billing, multi-currency processing, API integration and an advanced anti-fraud system. Mobile credit card processing is also available from this company.

North American Bancard

North American Bancard is a large credit card processor that provides a complete range of solutions, including check acceptance and ATM service. The company claims to have the fastest approvals in the industry and some of the lowest rates, though only its qualified debit rate is displayed on its website. Month-to-month terms are available to most merchants.

Paya

Paya, known as Sage Payment Solutions before its acquisition by private equity firm GTCR, is a credit card processing company that you can use to accept debit and credit cards, mobile and online payments, and electronic checks or ACH. It has more than 300 integrations, allowing you to connect it to your shopping cart, POS system and other business software.

Payanywhere

Payanywhere, the mobile credit card processing arm of North American Bancard, offers two plans. The pay-as-you-go plan is for businesses processing less than $10,000 per month. It has flat-rate pricing, with no monthly fees or minimum. The custom plan is for businesses processing more than $10,000 per month and requires you to call for a quote. Card readers are available, including a Bluetooth option.

PayFrog

PayFrog, a PayJunction reseller, provides merchant services to businesses in many different industries, including auto, e-commerce, funeral, legal, medical and performing arts. With it, you can accept credit cards and checks, bill customers automatically with recurring billing, integrate with third-party shopping carts and email receipts to customers.

PayJunction

PayJunction provides its customers with interchange-plus pricing, and established merchants can submit billing statements to qualify for a rate match. It doesn’t charge any PCI compliance, gateway, annual or exit fees, and it only charges a monthly fee if you process less than $10,000 per month. It connects with third-party applications and has an API for custom integrations.

PayLeap

Acquired by First Data in 2017, PayLeap is a mobile and online credit-card-processing service designed specifically for small businesses and online stores. PayLeap integrates with many shopping carts and social media sites, and your developers can use its APIs and SDKs to completely customize the service and software to suit your business's exact needs.

Payment Depot

Like other top processing companies, Payment Depot uses interchange-plus pricing, but it's membership-based, so there's no percentage markup, just a per-transaction fee and a monthly membership fee. There's no separate statement or PCI compliance fees as they're included in the membership fee, and if you decide to close your account, there's no cancellation fee. Multiple plans are available, based on your processing volume.

PaymentPortal

PaymentPortal offers a diverse portfolio of payment options. From mobile credit card processing options to POS systems to credit card processors designed for brick-and-mortar stores, PaymentPortal offers an option for nearly every type of business.

Payroc

Payroc, which acquired iTransact and Integrity Payment Systems, offers in-store credit card processing services that can be used with POS systems and standalone terminals. It resells merchant services from Chase Merchant Services, First Data, TSYS and Worldpay, and offers processing equipment from multiple major brands. It also has compliant surcharging and cash-discount programs.

PaySafe

Paysafe is a global payments company that recently acquired iPayment. It provides in-store, mobile and online credit card processing, and works with merchants as well as with platforms and ISO partners that resell its services. Other Paysafe brands include Skrill, Neteller, Golo and IncomeAccess.

PaySimple

PaySimple lets you accept payments online, in person and on the go. You can create and email invoices, and your customers can use the click-to-pay buttons to remit payments online. PaySimple supports recurring billing, can be set up to automatically email payment reminders and has a dashboard that tracks your accounts receivables.

Pineapple Payments

Pineapple Payments offers a white-label processing solution to ISOs, integrators and banks. Its resellers can provide their merchants with a payment gateway, ACH processing and merchant accounts for First Data, TSYS and Worldpay. It also has value-added tools such as plugins for invoicing, subscription billing and QuickBooks.

Pinpoint Payments

Pinpoint Payments offers merchant services and credit card processing services for many business types, including those in some high-risk industries. The company has an easy-to-use platform and supports in-person and card-not-present processing, recurring billing, electronic invoicing and next-day funding. Check processing, gift cards, loyalty programs and integrations are also available.

Planet Payment

Planet Payment provides domestic and international payment processing to merchants that accept payments in-person and online, as well as to banks and payment service providers. In addition to its multicurrency processing services, it offers a money-transfer platform, risk management, authorization and capture services and other advanced solutions.

Intuit QuickBooks Payment

QuickBooks Payments, a division of Intuit, has several processing solutions, allowing you to accept payments on the go, in-store and online, either through a webstore hosted on a compatible e-commerce platform or invoices you send using QuickBooks accounting software. You can view its rates online and choose between a plan with no monthly fee or one with a monthly fee and lower rates.

SecurionPay

SecurionPay is an online payment platform that works with businesses incorporated in Europe, including B2B, SaaS, e-commerce and some high-risk online businesses. With it, you can accept online payments from your international customers in 160 currencies. It has flat-rate pricing and no monthly fees. It integrates with many e-commerce platforms and offers an API for custom integrations.

Sekure Merchant Solutions

Sekure Merchant Solutions offers retail, online, mobile and MOTO (mail order, telephone order) credit card processing. It works with businesses in many industries, including retail, restaurant, petroleum, hospitality, service and government. It advertises low rates, but you'll have to call for a quote, as it doesn't post them on its website.

SpotOn

SpotOn is a payment processing and merchant software company. In addition to its in-store, mobile and online processing options, it offers solutions for appointment setting, marketing, review management, payroll, website creation, and customer loyalty. It also offers a rewards app for consumers.

SumUp

SumUp is a mobile credit card processing company that helps small businesses accept in-person payments. It has transparent, flat-rate pricing, and there's no long-term contract.

The Transaction Group

The Transaction Group specializes in providing merchant account services to international and high-risk businesses, including legal marijuana dispensaries and vape shops. It also serves low-risk businesses. Its merchants can accept all major credit and debit cards in-store, online, over the phone or mail order, and on the go. E-check processing is also available.

Tidal Commerce

Tidal Commerce, formerly known as Premier Payment Systems, provides credit card processing services to businesses of all sizes, across many industries, including retail, restaurant, healthcare, B2B and professional services. It offers its merchants the choice of simplified tiered or interchange-plus pricing, and you can view its rates online. It doesn't charge setup or cancellation fees.

Total Merchant Services

Total Merchant Services is a large credit card processing company that was recently acquired by North American Bancard Holdings. It offers a complete range of payment processing products and services to businesses in many industries, such as retail, food and beverage, beauty and fitness, healthcare and professional services. It advertises free product placement, fast deposits and 24/7 customer support.

TouchSuite

TouchSuite offers multiple POS systems and business services. In addition to its TouchSuite Restaurant POS system, it resells Talech to quick service restaurants, QuickBooks POS to large retailers, Clover to small and midsize retailers, Booker to salons and spas, and Authorize.net to e-commerce businesses. It also offers credit card processing and SEO, working capital and marketing solutions.

TransNational Payments

TransNational Payments provides interchange-plus pricing to all its merchants. It offers in-store, mobile, MOTO and online credit card processing services. It has Level 2 and Level 3 processing for companies that accept B2B payments and also supports recurring payments. An API is available to merchants that need custom integrations.

Transparent Merchant Services

Transparent Merchant Services claims it can slash up to 68% off your current processing fees. The company charges a flat, monthly fee plus a per-transaction fee over interchange, which may be a cost-effective pricing model for companies with large sales tickets. As with most processors, you pay an annual PCI compliance fee. There are no contract and no cancellation or setup fees.

Upserve Payments

If your restaurant uses Upserve's Breadcrumb POS, you can accept credit cards using Upserve Payments. With this credit card processing service, you can accept payments tableside or at a checkout station. You pay flat percentage of each sale plus a per-transaction fee, and the monthly subscription fee for the POS software.

Velocity Merchant Services (VMS)

VMS provides online, mobile and in-store processing solutions and processing equipment, including card readers, POS systems and cloud-based terminal options. It also offers merchant cash advances, loyalty programs and a website builder for your online store.

Worldpay

Worldpay Inc., formed after Vantiv acquired Worldpay, is one of the world's leading payment processors. It recently announced a merger with FIS and will be known by that name when the deal closes later in 2019. It offers advanced omnichannel processing products and services, has developer resources to integrate it with the apps your company already uses, and value-added services like gift cards, loyalty programs and working capital.

TSYS

TSYS is one of the country's leading payment processors. It recently acquired Cayan (formerly Merchant Warehouse). TSYS works directly with businesses of all sizes across many industries, including healthcare, as well as indirectly through merchant account providers. It has everything you need to process credit cards in store, online and on the go.

Fiserv

Fiserv, formerly known as First Data, provides merchant services and Clover equipment to businesses of all types and sizes, including banks and independent sales organizations that resell them to small and midsize businesses. In addition to credit card processing, it offers check acceptance, ACH transfers and advanced security. Rates, fees and contract terms vary, depending on the agent or reseller and the specific needs and qualifications of your business.

Flagship Merchant Services

Flagship Merchant Services can quickly set you up with a merchant account and everything you need to process credit cards on- and off-line. It has low rates, month-to-month terms and offers a choice of interchange-plus or tiered pricing plans. It sells processing equipment, such as the popular Clover POS systems, offers value-added services likes gift cards and loyalty programs, and provides 24/7 customer support.

Helcim

Helcim is the best credit card processor for small businesses, with transparent, locked-in and affordable pricing. It also has numerous features and integrations that are helpful for small businesses.

PayPal Credit Card Processing

PayPal lets businesses of all sizes, including startups and microbusinesses, accept credit cards with minimal application requirements. It's affordable, has transparent pricing and terms, and is easy to use for both in-person and online transactions. It also integrates with many POS systems and shopping carts.

Square

Square is the simplest and fastest way to accept credit cards using a smartphone or tablet. It has clear, affordable pricing with no contracts, credit checks or complicated setup processes, so you can get started right away. You can start small with a simple credit card reader, then transition to a Square terminal, tablet stand or register as your business grows.

Stripe

Stripe provides its services to online businesses in 25 countries. Its developer toolkit allows you to customize it for your website or mobile app, and it comes with more than 100 features, including APIs and automatic currency conversion. Stripe also integrates with many popular business software applications and platforms. It has flat, transparent pricing and no cancellation fees.

Payline

Payline provides cost-effective credit card processing solutions with no lengthy contracts to businesses of all sizes. It has multiple plans, each featuring interchange-plus pricing with rates transparently posted on its website. Custom solutions are also available. Payline offers in-store, online, mobile and ACH payment processing, subscription billing services and more.

2Checkout

2Checkout, formerly Avangate, is a global payment platform that allows companies to accept online payments for physical goods, digital software and subscriptions from buyers worldwide. According to the company, it offers a preintegrated payments gateway, PCI compliance, international fraud prevention and integration with more than 100 shopping carts.

2Checkout

2Checkout, formerly Avangate, is a global payment platform that allows companies to accept online payments for physical goods, digital software and subscriptions from buyers worldwide. According to the company, it offers a preintegrated payments gateway, PCI compliance, international fraud prevention and integration with more than 100 shopping carts.

CreditCardProcessing.com

Accept VISA, MasterCard, American Express, Discover and STAR credit and debit cards with a merchant account from CreditCardProcessing.com, a Paysafe (formerly iPayment) company. It offers solutions for retail, restaurant and e-commerce businesses, including POS systems, mobile credit card processing, and a virtual terminal for phone and mail orders.

Moolah

Moolah, not to be confused with Moolah Payments, is a rarity among mobile credit card processing companies because it provides you with a merchant account and an Authorize.Net gateway but charges very few fees. There are no monthly, annual, PCI, gateway or termination fees. It has flat, transparent pricing and pay-as-you-go terms, though there is a monthly minimum. It integrates with hundreds of third-party apps, including e-commerce platforms and POS systems.

National Merchants Association

National Merchants Association is a merchant services provider that offers in-store and online credit card processing to small businesses, including high-risk merchants. It has flat-rate pricing, integrates with QuickBooks and many shopping carts, and supports recurring billing.

National Merchants Association

National Merchants Association is a merchant services provider that offers in-store and online credit card processing to small businesses, including high-risk merchants. It has flat-rate pricing, integrates with QuickBooks and many shopping carts, and supports recurring billing.

Payment Portal

Payment Portal, powered by Frontline Processing, works with nearly every type of business and offers a diverse portfolio of payment processing services and equipment. It has card readers for mobile credit card processing, payment gateways and shopping carts for e-commerce processing, and POS systems and countertop terminals for credit card processing at brick-and-mortar stores.

Signature Card Services

Signature Card Services provides in-store, online and mobile credit card processing to businesses of all sizes. It can also handle multicurrency processing and alternative payments, which may be useful if you have international customers, and Level 3 transactions, which can reduce the cost of accepting payments from your B2B and government clients.

Tidal Commerce

Tidal Commerce, formerly known as Premier Payment Systems, provides credit card processing services to businesses of all sizes, across many industries, including retail, restaurant, healthcare, B2B, professional services and nonprofits. It offers its merchants the choice of simplified tiered or interchange-plus pricing, and you can view its rates online. It doesn’t charge setup or cancellation fees.

Shopify Payments

Businesses using the Shopify platform to sell products online can use Shopify Payments to accept credit and debit card payments. You can also use the service to accept payments via social media channels like Facebook and Pinterest, as well as in person using a mobile card reader. It has competitive flat rates and month-to-month terms, and you avoid paying an extra fee for using an external payment gateway.

Editor's note: Looking for a credit card processor for your business? Fill out the below questionnaire to have our vendor partners contact you about your needs.

Lori Fairbanks
Lori Fairbanks, Staff

Lori Fairbanks has years of experience writing and editing for both print and online publications. After graduating from Brigham Young University with a Bachelor of Arts in English, she worked as a magazine editor and then as a freelance writer and editor for a variety of companies, including marketing firms and a medical university. She now writes for business.com and Business News Daily about financial systems and services for small businesses, such as accounting software, credit card processing and point-of-sale systems.