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Greatest Credit Card Processing Services

Want to jump straight to the answer? The best credit card processing services for the majority of businesses are Square, Payment Depot, or Helcim.

A good credit card processor chip is crucial for any business offering products or services.

Nevertheless , not all credit card processors are identical.

After all, a multi-million dollar ecommerce store plus a neighborhood bookstore shouldn’ capital t be using the same service.

That’ s exactly why I created this guide to assist you choose the best credit card processing service for your business. My strategy will make it much easier for you to compare options.

The 9 Best Credit Card Processing Services

My top nine bank card processing services are:

  • Square
  • Payment Depot
  • Helcim
  • Flagship Merchant Services
  • National Processing
  • Stripe
  • PayPal
  • CDGcommerce
  • Payline

For each processor chip, I’ll break down the prices, benefits, drawbacks, and which usually types of businesses should consider the service.

Sq .

Go to Square

  • Ability to get paid fast
  • Fraud prevention
  • Straightforward pricing
  • Instant transfers

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Any business acknowledging in-person payments needs to take a closer look at Square.

Square ranked first on my list of the very best POS systems, so the idea that they double as a payment processor is an added reward.

With more than two million businesses use Square to process payments, these people offers POS systems along with built-in payment processing.

Square also procedures payments online, on the go, through recurring invoices, and manually for orders taken over the telephone. But with that said, the in-person POS processing is where Sq . really shines.

Another standout of Square is the ability to get paid fast.

While most processing companies usually take a few days for funds withdrawals, Sq . gets money in your bank account within the next business day. They also offer instant exchanges for a fee.

Square’s pricing is straightforward and transparent. You’ll pay the same rate for every card, which includes Discover and American Show.

They don’t charge any startup costs, monthly fees, cancelation costs, authorization fees, statement fees, terminal fees, or various other common industry-standard markups.

Square pricing varies slightly by industry plus POS hardware, but here are the most common rates offered:

  • Sq . Point of Sale — 2 . 6% + $0. 10 for each transaction
  • Square For Retail — 2 . 5% + $0. 10 for each transaction
  • Ecommerce transactions — 2 . 9% + $0. 30 per transaction
  • Card not present transactions — 3. 5% + $0. 15 for each transaction
  • Card on file transactions — several. 5% + $0. fifteen per transaction

Square provides you with everything you need for success when processing payments. They have active fraud avoidance, account takeover protection, argument management, other security steps like PCI compliance and end-to-end encryption.

Signing up and getting started along with Square is simple.

The only major drawback of Square is that its customer service is not available 24/7. Most digesting companies can be reached upon weekends, nights, or additional odd hours.

If I were running a physical retail store and wanted a POS system and payment processor from the same company, I’d choose Square.

Payment Depot

Visit Payment Depot

  • 90-day free trial
  • Fixed costs per transaction
  • Best for high-volume retailers
  • Free entrance with most plans

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Payment Depot processes more than $4 billion in credit card sales along with over 3 million dealings per month. Their system is easy; they charge a a regular membership fee to give you access to wholesale processing rates.

Think of Payment Depot because the Costco for credit card processing. The prices are lower than the competition, but you need to be a member.

For this reason, Payment Depot is the best option for high-volume vendors.

Payment Depot does not take a percentage of every transaction. They simply cost a fixed amount per transaction based on your membership tier on top of the interchange charge.

Here’s an overview of the plans, features, plus pricing:

Basic — $49 a month + interchange

  • $25, 000 monthly processing restrict
  • $0. fifteen per transaction
  • Reprogram your existing equipment for free
  • Free of charge gateway

Most Popular — $79 per month + interchange

  • $75, 000 monthly digesting limit
  • $0. 10 per transaction
  • Free standard terminal
  • Data breach protection
  • Leading 24 hour support

Best Value — $99 per month + interchange

  • $200, 1000 monthly processing limit
  • $0. 07 for each transaction
  • Free of charge standard terminal
  • Free pin pad

Premier — $199 per month + interchange

  • Unlimited processing
  • $0. 05 per transaction
  • Free standard terminal
  • Free pin mat
  • Free terminal upgrade every two years

All plans come with a 90-day free trial.

Payment Depot is utilized by big brands like Dominos, Boost Mobile, Subway, Arco, and Sprint. I wouldn’t consider this payment processor chip unless you’re over the $25, 000 monthly limit.

As you can see from the rates, you can save lots of money on processing fees with a Payment Depot membership.

Overall, this is an impressive payment processing service. The only downside is that it’s not realistic for most smaller businesses to consider.


Visit Helcim

  • Choose between 2 programs
  • Best rate guarantee
  • Interchange pricing structure
  • contracts are month-to-month

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Helcim is an all-in-one payment processing service for retail locations and online stores.

I highly suggest it for every small-business owner.

Where Helcim shines will be their transparency. Their interchange pricing structure shows you exactly how much you’ll pay above the interchange rate set by credit card companies.

They also have one of the best rate guarantee in the industry. They will never increase your rates for the lifetime of your account. As the fees for certain cards might go up, the Helcim margins will always remain the same.

When you sign up for Helcim, you’ll choose between two bottom plans:

  • Retail — $15 per month
  • Online — $35 per month

Whilst Helcim does have the online function, I’d personally just consider them for in-person obligations.

Your prices will vary by industry, monthly processing volume, and typical transaction amount.

The industry options are:

  • Retail
  • Restaurant
  • Online
  • Charitable organizations
  • Real estate and property management
  • Online international

Here’s a detailed glance at the pricing rates for retail merchants based on monthly quantity.

helcim price

Helcim interchange prices costs are below average compared to many others out there. So it’s a great way for small businesses to save money on credit card processing—even if they are in the lower pricing tiers.

Helcim contracts are month-to-month, plus they don’t charge any termination fees.

These people integrate with QuickBooks to enhance your small business accounting process as well.

Helcim provides a POS system, with an app that’s free with your plan. However , the app does not incorporate with the credit card terminals as of now, which isn’t ideal. Terminals purchased through Helcim range between $229 to $649 per unit.

Whilst Helcim prices are competitive and generally low, it isn’t really the best choice for those of you who are just processing less than $3, 1000 per month. You can probably look for a more cost-effective alternative somewhere else.

Flagship Merchant Services gong14deng
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Range topping Merchant Services offers some of the most customizable credit card processing programs out there. They give flexible terms and month-to-month pricing for many businesses.

Varieties of pricing plans are customizable as well. Flagship Merchant Services has tiered pricing and interchange plus options, whereas other payment processors generally just offer one or the other.

More than 25, 000 small business owners trust Flagship Merchant Services to process their credit card payments.

Since they’ re a smaller company, they can give you more attention and white-glove service.

For example , Flagship Merchant Services offers exceptional 24/7 customer service. You will get a free EMV terminal or Clover Mini Pos software when you sign up. If they can’t lower your processing rates, they will send you a $50 AMEX gift card.

The downside of this payment processor chip is the setup and getting began. No prices or contract details are available online. Therefore you’ll need to speak to the sales rep to request a quote, which isn’t convenient for everyone.

National Processing gong14deng
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National Processing was founded in 2007 and is based in Lindon, Utah. They may be a smaller company compared to most of the other companies on my list but they provide excellent service and prices for small and medium sized businesses.

Here are some of the pros and cons of their service.


  • Offers month-to-month billing without early termination fee
  • Interchange-plus pricing standard
  • Low-cost ACH and echeck payment digesting
  • Great on the internet reviews and reputation
  • They donate 10% of their profits to charitable organization


  • An early termination fee is charged in some circumstances
  • A long-term contract is required in exchange for a free airport terminal

Overall, National Processing is a great option for any small to medium sized business. The company offers incredibly competitive rates and charges along with high-quality service.

Stripe gong14deng
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If you’re recognizing payments online, Stripe ought to be one of your top choices. In fact , Stripe ranked first upon my list of the best payment methods for your ecommerce site.

Stripe is built for developers, so you might be a little overwhelmed when you first land on their website. However , you’ll quickly realize that this payment processor is easy to use, irrespective of your technical experience.

For those of you who want to take advantage of the developer features, you’ll be impressed with the Stripe API and UI toolkit.

Another top benefit of Stripe is its built-in fraud protection system. This will help you manage and avoid e-commerce chargebacks.

It’s easy to integrate Stripe with your ecommerce store, regardless of the platform that you’re using. Red stripe accepts a wide range of payment options, including digital wallets such as Apple Pay, Microsoft Spend, Google Pay, and Australian visa Checkout.

Red stripe helps simplify your checkout process. According to a recent IDC report, businesses using this transaction processing service were able to enhance their revenue by 6. 7%.

The report also found that Stripe resulted in 59% higher productivity, 81% fewer unplanned outages, and 24% lower operating costs.

Speaking of costs, Stripe is an affordable payment processor, even if you’re only starting out. The fixed pricing design is very straightforward:

  • Online transactions — 2 . 9% + $0. 30
  • Worldwide cards — Additional 1% per transaction
  • Currency conversion — Additional 1% per dealings
  • VERY SINGLE debits — 0. 8% with a $5 max per transaction
  • In-person obligations — $2. 7% + $0. 05

If you utilize Stripe to set up recurring costs for subscription customers, your first $1 million is free. After that, you’ll pay $0. 5% on all recurring costs.

I like Stripe because you pay the same toned rate for all credit cards, including digital wallets and premium cards like American Convey.

For those of you with unique business models plus large payouts, you may qualify for a customized pricing answer. Contact the Stripe sales force about volume discounts, interchange pricing, and multi-product discounts.

Overall, Red stripe is an ideal solution for just about any ecommerce business. It is highly technical, which can be a disadvantage for companies that do not have a developer on staff members.

PayPal gong14deng
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PayPal has been a giant in the world of digesting transactions for more than a decade. It’s a name that will we’re all familiar with, plus there’s a good chance that you’ve used PayPal in some form or another in your private life.

While PayPal has always been known for the P2P payments, it’s also a great choice for businesses to use as a payment processing service.

You can use PayPal to accept payments both online or in-person. It is the best option for low-volume companies to get paid online.

I recently wrote a write-up comparing PayPal vs . Red stripe for ecommerce. While Red stripe definitely has its reasonable share of advantages, the particular PayPal technology is much simpler. It’s also extremely easy to set up. You won’t be concerned about all of the developer functions like you do with Red stripe.

Let’s take a closer look at PayPal’s processing fees:

  • Online payments plus invoicing — 2 . 9% + $0. 30 per transaction
  • Mobile and in-store payments — 2 . 7% per transaction
  • Manual entry transactions — 3. 5% + $0. 15 for each transaction

As you can see, the pricing is nearly identical to Stripe.

One of the best parts regarding using PayPal as your on-line payment processor is that you’ll be able to accept PayPal, Venmo, and PayPal credits along with all major credit plus debit cards.

This is a massive advantage over some other payment processors, where you would need to integrate PayPal separately.

While I personally such as PayPal’s online features, the particular flat rate of 2 . 7% per transaction designed for mobile and in-store payments is appealing for low-volume merchants as well.

The biggest downside of using PayPal is that customers will be taken to the PayPal website to finish processing all online dealings. You can eliminate this step and integrate PayPal directly into your web site, but there is an added fee for that.

Speaking of added fees, PayPal includes a long list of add-ons as well as other incidentals that they charge designed for. They are transparent about these types of prices, but make sure you evaluation all of them in your contract and that means you fully understand the terms.

Overall, you know you’re getting a trusted and reputable brand if you use PayPal in order to process credit card transactions for the business.

CDGcommerce gong14deng
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CDGcommerce offers custom bank card processing services for different industrial sectors. Some popular categories include:

  • Store
  • Restaurant
  • Service
  • B2B
  • Ecommerce
  • Nonprofit

Clearly, many of these different business types may have varying needs. But general, CDGcommerce is the best choice to get nonprofit organizations.

That’s because CDGcommerce does not charge any monthly charges or require monthly minimums for nonprofits. You can get an integrated mobile card reader, set up recurring billing, and benefit from special nonprofit rates.

The rates will vary based on volume and particular needs, but nonprofit processing typically starts 0. 20% + $0. 10 for each transaction, plus interchange costs.

If you get into one of the other categories, CDGcommerce has flexible pricing choices based on your monthly volume.

A single Rate Pricing: $1, 500 – $10, 000 month-to-month volume

  • Flat rate plus fixed monthly fee
  • Customer tracking
  • Loyalty promotions
  • Invoicing, virtual terminal, ecommerce solutions
  • Fully integrated credit card airport terminal
  • Nonprofit campaign and donation management

Interchange Plus Pricing: $10, 1000 – $200, 000 monthly volume

  • Full transparency
  • Pass-through pricing
  • $100, 000 data breach protection plan
  • PCI security equipment and solutions

Wholesale Membership: $200, 000+ monthly volume

  • Discounted pricing based on annual membership
  • Most benefits of the other plans

Again, the specific rates will vary for each company based on a number of factors. You should contact the CDGcommerce sales team to request a quote.

I chatted with an online sales rep only to see how long this would take, and I got a quick solution in just a couple of minutes. This wasn’t an official quote, but it’s nice knowing that they are fast to respond. That’s where I acquired the starting rates designed for nonprofits, which isn’t outlined anywhere on the website.

Payline gong14deng
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Payline is another lesser-known payment processing service. But they have a wide range of solutions just for mobile payments, ecommerce obligations, and in-person payments.

They can meet the requirements of small business owners, enterprises, and everyone in between.

However , Payline is the best option for a very specific type of business—high-risk merchants.

For just one reason or another, certain retailers are considered a high risk to credit card processing companies. It might have to do with the history of your company, or maybe it has to do with the types of products that you’re selling (CBD, firearms, vaping, etc).

It’s tough for these merchants to find a credit card processing service that will work with them, and even more difficult to find one that will offer favorable rate terms.

So if you fall into the high-risk merchant category, Payline will be your best option.

Payline will even work with companies in online gaming, internet casinos, multi-level marketing, and grownup industries.

Prices and plans are personalized for each merchant. But if you are struggling to find a payment processor that will accept your business, I’d schedule a call or apply online with Payline.

Where to find the Best Credit Card Processing Providers

Compare Quotes From The Greatest Credit Card Processing Services

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There are certain features that you need to watch when you’re evaluating credit cards processing service. This is the technique that we used here at Quick Sprout to filter results and come up with the list over.

Pricing Type

There are 2 main pricing structures designed for credit card processing.

  • Fixed
  • Interchange

With fixed pricing, it is the same rate for each deal, regardless of the credit card that the client uses. Stripe, Square, and PayPal are examples of cpus with fixed prices.

For interchange pricing, you pay the amount billed by the credit card company, plus the markup fees of the processor. Helcim has interchange prices.

Flagship Seller Services offers both fixed-rate plans as well as interchange prices, since they provide custom options for different businesses. Some charge card processors, like Payment Depot, will charge you a monthly price to access wholesale prices.

It’s crucial to determine which pricing structure works best for your business because the structure will ultimately affect just how much you pay.

Monthly Volume

In most cases, high-volume merchants could get lower processing rates for each transaction. You can request the custom quote from nearly every credit card processor, even if they have fixed rates advertised on their website.

With that said, there are certain services that are best for high-volume merchants, and others that are better for low-volume merchants.

I’d suggest PayPal for low-volume digesting and Payment Depot just for high-volume credit card transactions.


The type of business you have will certainly affect your credit card processing terms. Rates vary should you be processing cards online, in-person, or over the phone for “card not present” transactions.

Stripe is the best company for online transactions, whilst Square is better for brick-and-mortar retail locations.

Other payment processing services specialize in nonprofit organizations or high-risk merchant industries. So if you fall into one of those categories, you’ll need to find a processor that can meet those needs.

Funds Withdrawals

How soon are you able to get your money?

In most cases, funds are available in your bank account after two business times. Sometimes this period can be a bit longer when you’re just starting out.

Other credit card processors offer next-day delivery for funds. Some suppliers will let you do an instant funds withdrawal for an added fee. So if you need your money immediately, this is definitely something that you have to keep in mind.

Extra Costs

In addition to the transactional fees or monthly plan rates, there are other costs that you need to keep in mind when you’re evaluating a credit card payment processor.

I’m mentioning things like hardware, POS systems, and payment terminals. Some providers charge extra to get international transactions, setup charges, or cancellations.

So make sure you review all this before you decide on service based on the transactional rates alone.


Let’ s recap. Which usually credit card processing services best for which types of businesses?

We recommend choosing:

  • Square if you’ re running a brick-and-mortar store that needs a POS system along with built-in payment processing.
  • Payment Depot if you’ re a high-volume vendor.
  • Helcim if you’ re a small business processing more than $3, 000 per month.
  • Flagship Merchant Providers if you’ re a small business that values personalized service.
  • National Processing if you’ re a small or medium-sized business that beliefs high-quality service.
  • Stripe if you’ re running an internet business and want to simplify the customer experience.
  • PayPal if you’ re a low-volume business and wish to get set up quickly having a widely recognized payment processor.
  • CDGcommerce if you’ re the nonprofit.
  • Payline if your business is regarded high-risk.

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