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| What to look for in a credit card processor. Credit: Credit card image via Shutterstock |
Looking for a credit card processor? You're in luck. Here are 60 that are worth a look:
[Disclaimer: The rates and fees quoted here are based on numerous sources, including company websites and credible reviews. Not all of these numbers may be accurate. For an exact quote, contact processing companies directly.]
ACE Merchant Processing
ACE Merchant Processing is a credit card processing service that allows merchants to accept all major credit cards. The company does not publish information about its service fees or discount rates on its website.
For more information, contact ACE at 877-680-4ACE.
Best Merchant Rates
Allowing merchants to accept all major credit cards on a month-to-month contract, Best Merchant Rates is a credit card processing service with no setup or cancellation fees.
Merchants pay a monthly account fee of $10, with no monthly minimum. The retail discount rate offered is 1.79 percent, plus a 10-cent transaction fee. Online merchants pay a monthly gateway fee of $10, with a discount rate of 1.5 percent, plus a 10-cent transaction fee.
Breadcrumb
Breadcrumb by Groupon provides payment processing services to merchants with no contracts and no startup fees.
Breadcrumb charges in-store and online merchants a discount rate of 1.8 percent, plus a 15-cent transaction fee. The company does not charge monthly statement fees.
Certified Payment Processing
Allowing merchants to accept all major credit cards on a three-year contract, Certified Payment Processing is a payment processing company with no initial setup fees. The company charges an early cancellation fee of $495.
Certified Payment Processing charges merchants a monthly account fee of $3, with a monthly minimum fee of $25. The retail discount rate is 1.59 percent plus a 6-cent transaction fee. Online merchants pay no additional monthly gateway fee and are offered an online discount rate of 2.2 percent, plus a 6-cent transaction fee.
Charge.com
Charge.com allows merchants to accept all major credit cards, with no setup fees. The company charges an early termination fee between $300 and $495 for merchants ending service before their 36-month contracts expire.
The company charges merchants a $10 statement fee, with a $25 monthly minimum fee. The retail discount rate offered is 1.59 percent, plus a 19-cent transaction fee. Online merchants are charged a monthly gateway fee of $16.95, with a discount rate of 2.25 percent and a transaction fee of 25 cents.
Charge Card Systems
Charge Card Systems is a payment processing company that allows merchants to accept all major credit cards. The company does not charge a setup fee for new account holders.
Information regarding Charge Card Systems' retail and online discount rates is not published on the company's website. Interested merchants can contact the company directly at 888-760-3863.
Chase Paymentech
Chase Paymentech is a credit card processing service that allows merchants to accept all major credit cards. The company does not publish information about service and monthly fees on its website.
Chase Paymentech charges retail merchants a discount rate of 1.59 percent plus an 18-cent transaction fee. Fees associated with online credit card transactions are not published on the company's website.
Cornerstone Merchant Services
Cornerstone Merchant Services is a credit card processing service that allows merchants to accept all major credit cards on a month-to-month contract. The company does not charge setup or cancellation fees.
Cornerstone charges merchants a monthly account fee of $10 with no monthly minimum. The company's transaction fee is 20 cents with a discount rate of 1.69 percent for card-present transactions. Online merchants must pay a monthly gateway fee of $15 and a discount rate of 2.6 percent plus 20 cents per transaction.
CPN USA
Capital Processing Network (CPN) is a credit card processing service allowing merchants to accept all major credit cards.
CPN does not provide pricing information on its website. For a free quote, interested merchants can contact the company directly at 800-750-7544.
Credit Card Processing.com
Creditcardprocessing.com is a payment processing service that allows in-store and online merchants to accept all major credit cards. The company does not charge setup or cancellation fees.
The company does charge merchants a monthly statement fee of $7.95 and a monthly payment gateway fee of $7.95. Retail discount rates average between 0.35 and 1.55 percent, plus a transaction fee of 20 cents.
CyberSource Corporation
CyberSource is a payment processing company for online merchants. The company does not publish information about service fees or discount rates on its website.
Interested merchants can contact the company at 888-330-2300 for more information.
E-Commerce Exchange
E-Commerce Exchange is a credit card processing company that allows merchants to accept all major credit cards on a month-to-month contract. The company charges up to $25 to set up an account, with no cancellation fees published on the company's website.
E-Commerce Exchange charges merchants a monthly statement fee of $10, with a $20 monthly minimum fee. The company's retail discount rate is 1.49 percent, with a 21-cent transaction fee. Online merchants pay a monthly gateway fee of $10, with a discount rate of 1.99 percent, plus 21 cents per transaction.
East Commerce Solutions
East Commerce Solutions is a payment services company that allows merchants to accept all major credit cards. The company does not publish information about service fees on its website.
No information is available online regarding East Commerce Solution's discount rates or other processing fees. Interested merchants can contact the company at 800-527-5395 for a free quote.
Electronic Payment Exchange
Electronic Payment Exchange (EPX) is a payment processing company for in-store and online merchants. The company does not publish information about service fees or discount rates on its website.
Interested merchants can contact EPX directly at 866-581-5239.
Electronic Payment Systems
Electronic Payment Systems (EPS) is a payment processing company for in-store and online merchants. The company does not charge setup fees, and other information about service fees and discount rates is not available on the company's website.
Interested merchants can contact EPS at 800-863-5995.
Electronic Transfer
This credit card processing service allows merchants to accept all major credit cards on an annual contract. It does not charge setup or cancellation fees.
Electronic Transfer charges merchants a monthly minimum of $20 and a $10 statement fee. The retail transaction fee is 25 cents plus a discount rate of 1.69 percent. Online merchants must pay a monthly gateway fee of $10, and the online discount rate is 2.2 percent plus 10 cents per transaction.
Emerio Payments
Emerio Payments is a credit card processing company that allows merchants to accept all major credit cards with no contracts. The company charges a setup fee of $99.
Merchants are charged a monthly fee of $35. The discount rate offered by the company is 1.95 percent, plus a 30-cent transaction fee for in-store merchants. Online merchants are offered a discount rate of 2.2 percent, plus a 10-cent transaction fee.
Encore Payment Systems
Encore is a payment processing company that allows merchants to accept all major credit cards. The company does not publish information regarding contracts or service fees on its website.
Encore does not publish rate information online, either. For a free rate quote, interested merchants can contact the company at 800-641-0426.
First Data
First Data is a credit card processing service that allows merchants to accept all major credit cards. The company does not charge setup fees, and cancellation fees are not published on the company's website.
First Data charges merchants a monthly account fee of $10, with a $25 monthly minimum. The discount rate is 1.59 percent with a 30-cent transaction fee. Online merchants pay a monthly gateway fee of $19.95. The online discount rate is 2.19 percent, plus a 25-cent transaction fee.
First National Payment Solutions
First National is a credit card processing company that allows merchants to accept all major credit cards. The company does not publish information about account service fees on its website.
First National charges merchants a monthly statement fee of $5, with no monthly minimum fee. Discount rates for online and in-store merchants are not published on the company's website. Merchants interested in a free quote can call First National at 877-964-1622.
Flagship Merchant Services
Flagship provides credit card processing for brick-and-mortar and online merchants in a range of industries. Flagship allows merchants to accept all major credit cards on a month-to-month contract, and there is no charge for setting up or canceling an account.
The company charges a monthly fee of $7.95 and has a monthly minimum fee of $25. Its discount rate for card-present transactions is 1.58 percent plus a 19-cent fee. A monthly gateway fee of $15.90 is charged for online merchant accounts, and the online discount rate is 2 percent plus a 21-cent fee per transaction.
Free Authnet
Allowing merchants to accept all major credit cards on a month-to-month contract, Free Authnet is a credit card processing service for in-store and online merchants. The company does not charge setup or cancellation fees.
Merchants pay a monthly account fee of $8.95, with a monthly minimum fee of $25. The retail discount rate is 1.69 percent, with a 24-cent transaction fee. Online merchants must pay a monthly gateway fee of $6.95, and the online discount rate is 2 percent, plus a 22-cent transaction fee.
Global Payments, Inc.
Global Payments is a credit card processing company that allows merchants to accept all major credit cards with no contracts. The company does not charge setup or cancellation fees.
Global Payments charges merchants a $10-per-month account fee, with no monthly minimum fee. The company's retail discount rate is 1.1 percent with a transaction fee of 19 cents. Online merchants are required to pay a monthly gateway fee of $10. The online discount fee is 2 percent plus a 29-cent transaction fee.
Gotmerchant
Gotmerchant is a credit card processing provider that allows merchants to accept all major credit cards on a month-to-month contract. The company does not charge setup or cancellation fees.
Gotmerchant charges a monthly account fee of $10 for in-store merchants, with a monthly minimum balance of $25. The retail discount rate offered is 1.69 percent, with a 20-cent transaction fee. Online merchants are charged a monthly gateway fee of $10, with a discount rate of 2.2 percent, plus a 25-cent transaction fee.
Govolution
Govolution is a payment processing company that allows online and in-store merchants to accept all major credit cards. The company does not publish information about its rates or service fees online.
Interested merchants can contact Govolution directly at 703-894-5000 for more information.
Group ISO
Group ISO is a credit card processing service that enables merchants to accept all major credit cards on a month-to-month contract. The company does not charge setup or cancellation fees.
Merchants pay a monthly statement fee of $10, with no monthly minimum fee. The retail discount rate offered is 1.79 percent, plus a 19-cent transaction fee. Online merchants are charged a monthly fee of $10 for gateway access. The online discount rate is 1.99 percent, with a 19-cent transaction fee.
Harbortouch
Harbortouch is a credit card processor that allows merchant to accept all major credit cards on an annual contract. The company said there is no activation fee.
Harbortouch charges merchants no monthly account fee with a monthly minimum of $25. The company's retail discount rate is 1.75 percent plus 20 cents per transaction. Online merchants are charged a monthly gateway fee of $5, with a discount rate of 2.3 percent plus 19 cents per transaction.
Heartland Payment Systems
Heartland Payment Systems is a credit card processing service that allows merchants to accept all major credit cards. The company does not publish information about its service fees or discount rates on its website.
For more information, contact Heartland at 888-904-6773.
IPayment
Allowing merchants to accept all major credit cards with a yearly contract, iPayment is a credit card processing company with no startup fees and no published monthly fees.
IPayment charges merchants a retail discount rate of 1.59 percent with a 10 cent transaction fee. The monthly gateway fee for online merchants is $10, and the online discount rate is 2 percent, plus a 10-cent transaction fee.
ITransact Inc.
ITransact is a credit card processing company that enables merchants to accept all major credit cards, with a three-year contract. The company charges a setup cost of $295 and an early cancellation fee of $275.
Merchants are charged a monthly statement fee of $10, with a monthly minimum fee of $25. The retail discount rate is 1.75, with a transaction fee of 20 cents. Online merchants pay a monthly gateway fee of $19.95, with a discount rate of 2.34 percent and a transaction fee of 30 cents.
Leaders Merchant Services
Leaders is a credit card processing company that allows online and in-store retailers to accept all major credit cards, on a month-to-month contract. The company charges a setup fee of $45, with no early cancellation fees.
Merchants are charged a monthly account fee of $7.95, with a $15 monthly minimum fee. The retail discount rates for card-present transaction vary between 0.35 and 1.58 percent, plus a transaction fee of between 10 and 18 cents. Online merchants are charged a payment gateway fee of $8. The online discount rate is 1.55 percent, plus a transaction fee of 18 cents.
Leap Payments
Leap Payments allows merchants to accept all major credit cards on a month-to-month or no-contract basis. The company does not charge setup or cancellation fees.
Leap charges merchants a monthly account fee of $7.95, a monthly gateway fee of $13 for online merchants and no monthly minimum fee. The company's discount rate is 0.95 percent for card-present and online transactions. Retail and gateway transaction fees are both 10 cents.
MagicPay
MagicPay is a payment processing company that allows merchants to accept all major credit cards, with no monthly contracts. The company does not charge setup or cancellation fees.
Merchants are charged a monthly account fee of $5, with a discount rate of 0.5 percent, plus a 5-cent transaction fee. Online merchants pay a monthly gateway fee of $5, with a discount rate of .75 percent, plus a 20-cent transaction fee.
Maverick BankCard, Inc.
Maverick BankCard is a credit card processing company for merchants. The company does not publish information about account service fees on its website.
Discount rates for online and in-store merchants are not published on the company's website. Merchants interested in a free quote can contact Maverick BankCard at 800-464-9777.
Merchant Credit Card
Merchant Credit Card is a payment processing company that allows merchants to accept all major credit cards on a month-to-month contract. The company charges a setup fee of $100, with no cancellation fees published on its website.
Merchants pay a monthly statement fee of $9, with a $20 monthly minimum fee. The retail discount rate is 1.69 percent with a 10-cent transaction fee. Online merchants are charged a monthly gateway fee of $15, with an online discount rate of 2.35 percent, plus a 30-cent transaction fee.
Merchant Warehouse
Allowing merchants to accept all major credit cards on a no-contract or month-to-month contract basis, Merchant Warehouse is another choice for credit card processing. The company does not charge setup or cancellation fees.
Merchant Warehouse charges a $7.95 monthly statement fee and collects a monthly minimum fee of $25. Retail transaction fees are 21 cents plus a discount rate of 1.69 percent. The monthly gateway fee for online merchants is $5, and the online discount rate is 2.19 percent plus a transaction fee of 21 cents.
Merchants Bancard Network
Merchant Bancard allows merchants to accept all major credit cards. The company does not publish information about contracts or service charges on its website.
Merchant Bancard does not publish information regarding its monthly fees or rates, either. The company's website does state, however, that it offers discount rates as low as 1.19 percent. For more information, interested merchants can contact Merchants Bancard at 877-871-4629.
Merchant One
Merchant One is a credit card processing service that allows merchants to accept all major credit cards on a month-to-month contract. The company does not charge setup or cancellation fees.
Merchants are charged a monthly account fee of $10, with a monthly minimum fee of $25. The discount rate for in-store merchants is 1.59 percent, plus a 19-cent transaction fee. Online merchants pay a monthly gateway fee of $10, with a discount rate of 2 percent, plus a 20-cent transaction fee.
Mercury Merchant Services
Mercury Merchant Services is a credit card processing service that allows merchants to accept credit cards on a month-to-month contract. Information regarding the company's service fees and discount rates is not available online. For more information about Mercury Merchant Services, contact 800-846-4472.
Meritus Payment Solutions
Meritus is a payment processing company that allows merchants to accept all major credit cards. The company does not publish information regarding contracts or service fees on its website.
Meritus does not publish rate information online, either. For a free rate quote, interested merchants can contact the company directly at 888-851-7558.
MersaTech
MersaTech is a credit card processing company that allows merchants to accept all major credit cards. The company does not charge setup fees.
MersaTech does not publish information regarding monthly fees or discount rates on its website. Interested merchants can contact the company at 866-777-7409.
National Bankcard
National Bankcard offers credit card processing for online and physical retailers and service providers. The company allows merchants to accept all major credit cards, with no contracts, and does not charge setup or cancellation fees.
National Bankcard charges a monthly account fee of $7.95 and a monthly minimum of $25. Card-present transactions incur a charge of 18 cents plus a discount rate of 1.85 percent. Online merchants pay a gateway fee of $17, and the online discount rate is 2 percent plus 18 cents per transaction.
National Processing
National Processing is a payment processing service that allows merchants to accept all major credit cards on a month-to-month contract. The company does not charge setup or cancellation fees.
Merchants pay a monthly account fee of $15.50, with no monthly minimum fee. The retail discount rate is 2 percent plus a 10-cent transaction fee. Online merchants pay a gateway fee of $10, a discount rate of 2.5 percent and a gateway transaction fee of 10 cents.
National Transaction Corporation
National Transaction Corp. is a credit card processing service that enables merchants to accept all major credit cards with no monthly contract. The company does not charge setup or cancellation fees.
The monthly account fee for in-store merchants is $10, with no monthly minimum fee. The retail discount rate offered is 1.99 percent, plus a 10-cent transaction fee. Online merchants pay a monthly gateway fee of $10, with a discount rate of 1.9 percent, plus a 10-cent transaction fee.
Network Merchants, Inc.
Network Merchants, Inc. is a merchant services company that connects merchants with credit card processing companies. Network Merchants does not publish information about service fees or processing rates on its website.
For more information about the company's services, interested merchants can call 800-617-4850.
PayLeap
PayLeap is a payment processing company that allows in-store and online merchants to accept credit cards, with no setup fees.
The company charges merchants a $19.99 monthly fee. The retail and online discount rate for credit cards is 2.89 percent, plus a transaction fee of 29 cents.
Payment Depot
Payment Depot is a credit card processing service that allows merchants to accept all major credit cards, with no contract required. The company does not publish information regarding service fees online.
Payment Depot merchants pay a monthly account fee of $20, with a monthly minimum fee of $20. The retail discount rate for merchants is 1.54 percent, plus a 10-cent transaction fee. Online merchants pay a 1.8-percent discount rate plus a 10-cent transaction fee.
PowerPay
PowerPay is a credit card processing service that allows merchants to accept all major credit cards, with no contracts. The company does not charge setup or cancellation fees.
PowerPay charges merchants a monthly account fee of $10, with a monthly minimum fee of $25. The discount rate for retail credit card transactions is 1.69 percent, plus a 25-cent transaction fee. Online merchants are charged a monthly gateway fee of $10. The online discount rate is 2.1 percent plus a transaction fee of 5 cents.
Priority Payment Systems
Priority Payment Systems is a payment processing company that allows online and brick-and-mortar merchants to accept credit card payments. No information regarding service fees or discount rates is available on the company's website.
Interested merchants can contact the company directly at 866-439-9580 for a quote.
Prolific Business Solutions
Prolific is a payment processing company that allows merchants to accept credit cards with no contracts, no setup fees and no cancellation fees.
The company charges merchants a $10 monthly account fee, with a minimum monthly fee of $25. The retail discount rate is 1.71 percent, with a transaction fee of 10 cents. Online merchants pay a monthly gateway fee of $15. The online discount rate is 0.3 percent, with a 10-cent transaction fee.
Regal Payment Systems
Regal is a payment processing company that allows merchants to accept all major credit cards. The company does not publish information regarding contracts or service fees on its website.
Regal does not publish rate information online, either. For a free rate quote, interested merchants can contact the company at 866-939-9397.
Sage Payment Solutions
Sage is a payment processing company that allows merchants to accept all major credit cards, on a month-to-month basis. The company does not charge setup or cancellation fees.
Sage charges merchants a monthly account fee of $8.95, with no monthly minimum fee. The retail discount rate offered is 1.75 percent, plus a 15-cent transaction fee. Online merchants pay a monthly gateway fee of $8.95, with a discount rate of 2.1 percent, plus a 15-cent transaction fee.
Secure Trading
Secure Trading is an online credit card processing company based in the United Kingdom. The company allows online merchants to accept credit cards, as well as payments in a number of different currencies.
Secure Trading does not publish rate information online. For a free rate quote, interested merchants can contact the company at 0333[MD1] -240-6000.
Swift Pay Systems
Swift Pay Systems is a payment processing company servicing online and brick-and-mortar merchants. The company does not publish information about its service fees or discount rates on its website.
Interested merchants can contact Swift Pay at 630-854-6764.
The Merchant Solutions
The Merchant Solutions is a payment processing company that allows merchants to accept all major credit cards. The company does not publish information about its service fees or discount rates on its website.
For more information about this company, contact 888-707-2836.
The Transaction Group
The Transaction Group is a payment processing service that allows merchants to accept credit cards on a month-to-moth contract. The company does not charge setup or cancellation fees.
The company charges merchants a monthly account fee of $10, with no monthly minimum fee. The retail discount rate offered is 1.79 percent, with a transaction fee of 20 cents. Online merchants are charged a $15 monthly gateway fee, with a discount rate of 2.1 percent, plus a transaction fee of 20 cents.
Total Merchant Services
Total Merchant Services is a credit card processing company that allows merchants to accept all major credit cards, with no contracts. The company does not charge activation or cancellation fees.
Total Merchant Services charges merchants a monthly account fee of $10, with a minimum monthly fee of $25. The company's retail discount rate is 1.69 percent, plus a transaction fee of 20 cents. Online merchants are charged a monthly gateway fee of $15. The online discount rate is 2.3 percent, with a 25-cent transaction fee.
TransFirst
TransFirst is a payment processor for online and brick-and-mortar retailers. The company does not charge cancellation fees.
TransFirst charges merchants a monthly service fee of $9.95. The retail discount rate offered by the company is 1.69 percent plus a 19-cent transaction fee. Online merchants pay a discount rate of 2.27 percent plus a transaction fee of 24 cents.
U.S. Merchant Services (USMS)
USMS is a credit card processing company that allows merchants to accept all major credit cards on a month-to-month contract. The company does not charge setup or cancellation fees.
Merchants pay a monthly account fee of $14, with no monthly minimum. The retail discount rate is 2.5 percent plus a 7-cent transaction fee. Online merchants are charged a monthly gateway fee of $35, with discount rates of 1.2 percent, plus a 10-cent transaction fee.
Yoozy
Yoozy is a credit card processing company that allows merchants to accept all major credit cards. The company does not publish information regarding contracts or service fees on its website.
Yoozy does not publish rate information online, either. For a free rate quote, interested merchants can contact a merchant consultant at 855-GO-YOOZY.
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