Last Updated Jun 2024

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Top 3 Merchant Services

Payarc

Exceptional

9.4

10,000+ Happy Business Customers

Most Popular

Leaders Merchant Services

Exceptional

9.8

Price Match Guarantee - Save or get $200

Flagship Merchant Services

Exceptional

9.1

Top Rated Business Management Portal

01

Exclusive Offer

Outstanding!

9.8

Price Match Guarantee - SAVE or Get $200

  • Simple and transparent plans with low rates
  • Ideal for merchants of all sizes
  • 24/7/365 dedicated support
  • The best equipment and software

Outstanding!

9.8

02

Excellent!

9.4

10,000+ Business Customers

  • Easy, secure and fast payment processing
  • Fraud prevention
  • Powerful dashboard & tools
  • Quick funding

Excellent!

9.4

03

Excellent!

9.1

Management Portal - Easily Manage Your Account

  • Reliable and easy-to-use products
  • Free Clover Mini or EMV Certified Terminal
  • Accept all major payment types

Excellent!

9.1

04

Great!

8.9

Customized Processing Solutions for Your Business

  • Three pricing options to choose from
  • Flat rate pricing + interchange plus
  • Online management of statements & support

Great!

8.9

05

Good!

8.6

Subscription Pricing Model With Low Rates

  • Simple transparent pricing
  • Free terminal on joining
  • High average monthly savings potential

Good!

8.6

06

Good!

8.5

Transparent, Predictable Membership Pricing

  • Good for high-volume businesses
  • No cancellation fees
  • Wholesale rates with no hidden fees

Good!

8.5

07

Fair!

8.1

0% Processing Fees

  • Offset up to 100% of your processing costs
  • Guaranteed savings for existing merchants
  • Great option for high revenue businesses

Fair!

8.1

Exclusive Offers

Ask about special offers including FREE equipment

Secure Connection

All our providers use SSL encryption to protect your data

Our Rating System

Our ratings come from verified users – just like you!

The score ratings are based on the overall rating of each brand, methodically scored by industry experts and user popularity.

Credit Card Processing: What You Need To Know

Credit card processing is the process of authorizing, capturing, and recording payments made with credit cards. The process involves merchants submitting transactions to an acquiring bank, which then forwards them to the right credit card network (Visa, Mastercard, etc.) for authorization. The credit card network then forwards the authorization request to the issuing bank associated with the cardholder’s account. If the issuing bank approves the request, the funds are transferred to the merchant’s bank account.

Choosing The Right Merchant Services Provider

  1. Research the market: Research different merchant services providers to get a better understanding of the features and services they offer. Make sure the provider you choose is reputable and well-reviewed.
  2. Compare pricing: Compare the pricing of different providers to ensure you get the best value for your money. Consider factors such as setup fees, transaction fees, and any monthly or annual fees.
  3. Consider customer service: Look into the customer service offered by each provider. Some providers may offer more helpful support options than others.
  4. Look at available payment methods: Check what payment methods the provider accepts. You may need to accept multiple payment methods to satisfy the needs of your customers.
  5. Check security features: Security is essential when it comes to processing payments. Ensure that the provider follows industry standards and has the necessary security measures in place.
  6. Read the terms and conditions: Carefully read through the terms and conditions of the merchant services provider. Be aware of any hidden fees or restrictions that may be in place.

At a Glance

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Exclusive offers to save you money

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FAQs

Credit card processing is when a credit card is used to pay for a purchase or service. The payment is processed by a payment processor, which verifies the credit card information and ensures the funds are transferred from the credit card to the merchant.
When a customer uses a credit card to make a purchase, the transaction is sent to the payment processor for authorization. The payment processor verifies the card information and approves or declines the transaction. If the transaction is approved, the funds are transferred from the customer’s credit card to the merchant’s account.
Credit card processing is a convenient, secure way for merchants to accept payment from customers. It also allows merchants to process payments quickly and efficiently. Credit card processing can also help merchants reduce the risk associated with accepting payment, as all payments are verified by the payment processor before they are processed.
The cost of credit card processing varies depending on the payment processor and the type of transaction. The merchant typically pays a percentage of the transaction as a processing fee.