10 Best ACH and Credit Card Processing Companies of #

Written by:
Denis Lunev
Edited by:
Natalie Luneva
Last updated on January 01, 2025
ACH processing lets you send money electronically, making transactions fast and easy without paper checks or cash. This method groups transactions together for better efficiency. Credit card processing is the system of accepting, verifying, and transferring funds from a customer's credit card to a merchant's account during a transaction.

Best ACH vs Credit Card Processing Companies

PaymentDepot.com

(
345
)
866-764-2322
(
345
)
Orange
,
California
Empowering businesses with seamless payment solutions and transparent pricing for unrivaled growth.
vIEW pROFILE
Learn More
Pricing Model
Industry Specialization

Payment processing solutions, Specialization in high-risk industries, Industries served include E-commerce, gaming, and adult entertainment, Support for businesses with high transaction volumes, Offers charge back protection and fraud prevention services

Year Founded

2013

Pricing Model
Industry Specialization

Payment processing solutions, Specialization in high-risk industries, Industries served include E-commerce, gaming, and adult entertainment, Support for businesses with high transaction volumes, Offers charge back protection and fraud prevention services

Year Founded

2013

Credit Card Processing, Merchant Processing, Retail Processing, Merchant Cash Advance

Web Design Enterprise

(
75
)
305-386-9003
(
75
)
Miami
,
Florida
Transforming visions into captivating online experiences that drive engagement and growth.
vIEW pROFILE
Learn More
Pricing Model
Industry Specialization

Web Design

Year Founded

2016

Pricing Model
Industry Specialization

Web Design

Year Founded

2016

Credit Card Processing

Electronic Merchant Systems

(
58
)
800-726-2117
(
58
)
Cleveland
,
Ohio
Empowering businesses with seamless payment solutions and exceptional service.
vIEW pROFILE
Learn More
Pricing Model
Industry Specialization

Payment processing, Specific high-risk industries: Adult entertainment, gaming, subscription services, tele marketing, and more.

Year Founded

1988

Pricing Model
Industry Specialization

Payment processing, Specific high-risk industries: Adult entertainment, gaming, subscription services, tele marketing, and more.

Year Founded

1988

Credit Card Processing, Check Processing, Gift & Loyalty Cards, PCI Compliance, ISO Agent Programs, Mobile Processing
Alternative Payments , Merchant Cash Advance

The Card Association

(
55
)
4804200886
(
55
)
Beaverton
,
Oregon
Empowering connections and innovations in the card payment industry for a seamless transactional experience.
vIEW pROFILE
Learn More
Pricing Model
Industry Specialization

Payment Processing and Card Services

Year Founded

2021

Pricing Model
Industry Specialization

Payment Processing and Card Services

Year Founded

2021

Credit Card Processing
Merchant Services

360 Payment Solutions, Inc.

(
46
)
408-295-8360
(
46
)
Campbell
,
California
Empowering businesses with seamless payment processing and tailored financial solutions.
vIEW pROFILE
Learn More
Pricing Model
Industry Specialization

Payment Processing

Year Founded

2013

Pricing Model
Industry Specialization

Payment Processing

Year Founded

2013

Credit Card Processing, Merchant Processing

High Risk Pay

(
36
)
800-956-1277
(
36
)
Ladera Ranch
,
California
Empowering businesses with reliable payment solutions, even in high-risk environments.
vIEW pROFILE
Learn More
Pricing Model
Industry Specialization

Specializes in high-risk payment processing, Serves high-risk industries, Industries may include:, Adult entertainment, Gambling, Online dating, Travel, E-commerce, Subscription services

Year Founded

1997

Pricing Model
Industry Specialization

Specializes in high-risk payment processing, Serves high-risk industries, Industries may include:, Adult entertainment, Gambling, Online dating, Travel, E-commerce, Subscription services

Year Founded

1997

Credit Card Processing, Online Credit Card Processing, High Risk Processing

Punchey

(
33
)
855-786-2439
(
33
)
New York
,
New York
Empowering small businesses with seamless payment solutions and customer engagement tools.
vIEW pROFILE
Learn More
Pricing Model
Industry Specialization

Payment processing solutions

Year Founded

2011

Pricing Model
Industry Specialization

Payment processing solutions

Year Founded

2011

Check Processing, Tablet PoS, Credit Card Processing

LVRG Funding

(
28
)
855-998-5874
(
28
)
Detroit
,
Michigan
Empowering growth through flexible, innovative funding solutions for businesses at every stage.
vIEW pROFILE
Learn More
Pricing Model
Industry Specialization

Lending and Financing

Year Founded

2000

Pricing Model
Industry Specialization

Lending and Financing

Year Founded

2000

Merchant Cash Advance, Credit Card Processing, Small Business Loans

MBNCARD, Inc.

(
25
)
877 871-4629
(
25
)
Las Vegas
,
Nevada
Empowering seamless digital transactions with innovative card solutions tailored for modern needs.
vIEW pROFILE
Learn More
Pricing Model
Industry Specialization

Financial Services

Year Founded

1991

Pricing Model
Industry Specialization

Financial Services

Year Founded

1991

Gift & Loyalty Cards, High Risk Processing, ISO Agent Programs, Portfolio Sales, Credit Card Processing
Wireless Integration

Quantum Merchant Services

(
22
)
800-815-3123
(
22
)
Oakdale
,
Minnesota
Empowering businesses with seamless and secure payment solutions tailored for every transaction.
vIEW pROFILE
Learn More
Pricing Model
Industry Specialization

Payment processing, Examples of high-risk industries: E-commerce, adult entertainment, travel, gaming, and subscription services

Year Founded

1994

Pricing Model
Industry Specialization

Payment processing, Examples of high-risk industries: E-commerce, adult entertainment, travel, gaming, and subscription services

Year Founded

1994

Credit Card Processing, Merchant Services, Point of Sale Systems
Treasury Management

Restaurant Point of Sale

(
18
)
866-540-1519
(
18
)
Glen Ellyn
,
Illinois
Seamlessly streamline your restaurant operations with intuitive, all-in-one point of sale solutions designed for exceptional service.
vIEW pROFILE
Learn More
Pricing Model
Industry Specialization

Restaurant Point of Sale, Serves High-risk industries: No

Year Founded

2002

Pricing Model
Industry Specialization

Restaurant Point of Sale, Serves High-risk industries: No

Year Founded

2002

Credit Card Processing, Tablet PoS

Jack Henry & Associates, Inc

(
16
)
1 (417) 235-6652
(
16
)
Monett
,
Missouri
Empowering financial institutions with innovative technology solutions for seamless banking experiences.
vIEW pROFILE
Learn More
Pricing Model
Industry Specialization

Financial services and banking technology, Serves High-risk industries: No

Year Founded

1976

Pricing Model
Industry Specialization

Financial services and banking technology, Serves High-risk industries: No

Year Founded

1976

Credit Card Processing
Mobile Processing

eWAY

(
15
)
844-439-2972
(
15
)
,
Empowering seamless online transactions with cutting-edge payment solutions.
vIEW pROFILE
Learn More
Pricing Model
Industry Specialization

Payment processing and gateway services

Year Founded

1998

Pricing Model
Industry Specialization

Payment processing and gateway services

Year Founded

1998

Credit Card Processing, PCI Compliance, Merchant Cash Advance
Payment Gateway , Online Credit Card Processing

PAYARC

(
14
)
(888) 230-4524
(
14
)
Greenwich
,
Connecticut
Empowering seamless payment solutions that fuel your business growth with unparalleled support and flexibility.
vIEW pROFILE
Learn More
Pricing Model
Industry Specialization

Payment processing solutions

Year Founded

2016

Pricing Model
Industry Specialization

Payment processing solutions

Year Founded

2016

Credit Card Processing, High Risk Processing, ISO Agent Programs
Merchant Services , Payment Gateway , Retail Processing

Targeted Merchant Solution

(
13
)
952 431-2764
(
13
)
Southern Pines
,
North Carolina
Empowering businesses with tailored payment solutions that enhance customer experience and drive growth.
vIEW pROFILE
Learn More
Pricing Model
Industry Specialization

Payments and Merchant Services

Year Founded

2010

Pricing Model
Industry Specialization

Payments and Merchant Services

Year Founded

2010

Merchant Services, Credit Card Processing

National Transaction Corporation

(
13
)
888-472-7112
(
13
)
Coral Springs
,
Florida
Effortless payment processing solutions tailored for businesses of all sizes.
vIEW pROFILE
Learn More
Pricing Model
Industry Specialization

Payment processing solutions

Year Founded

1997

Pricing Model
Industry Specialization

Payment processing solutions

Year Founded

1997

Mobile Processing, Online Credit Card Processing, Payment Gateway, Credit Card Processing, Point of Sale Systems

Dharma Merchant Services

(
11
)
1 866-615-5157
(
11
)
San Francisco
,
California
Empowering businesses with ethical payment solutions that prioritize social impact and transparency.
vIEW pROFILE
Learn More
Pricing Model
Industry Specialization

Payment processing for businesses, Focus on: Ethical and socially responsible businesses, including cannabis, adult, and nonprofit sectors

Year Founded

2007

Pricing Model
Industry Specialization

Payment processing for businesses, Focus on: Ethical and socially responsible businesses, including cannabis, adult, and nonprofit sectors

Year Founded

2007

Credit Card Processing, Merchant Services
Merchant Cash Advance

Bank Card Brokers

(
11
)
877-227-2111
(
11
)
Vancouver
,
Washington
Empowering businesses with tailor-made payment solutions and unmatched support.
vIEW pROFILE
Learn More
Pricing Model
Industry Specialization

Payment processing and merchant services

Year Founded

2007

Pricing Model
Industry Specialization

Payment processing and merchant services

Year Founded

2007

Travel, Retail Processing, Small Business Loans, Tablet PoS, Point of Sale Systems, Pharmaceuticals, Online Gambling, Online Firearms, Payment Gateway, Online Dating, Online Credit Card Processing, Merchant Services, Merchant Processing, High Risk Processing, Gift & Loyalty Cards, Equipment Leasing, Electronic Cigarettes, Credit Card Processing, Check Processing, Bad Credit, Memberships, ACH Processing

Beacon Payments, LLC

(
10
)
1 877-986-4445
(
10
)
Boston
,
Massachusetts
Empowering businesses with seamless payment solutions tailored for growth and innovation.
vIEW pROFILE
Learn More
Pricing Model
Industry Specialization

Payment processing services

Year Founded

2008

Pricing Model
Industry Specialization

Payment processing services

Year Founded

2008

Merchant Processing, Merchant Cash Advance, ISO Agent Programs, Credit Card Processing
Education / Training

USPAY Group

(
9
)
866-725-8500
(
9
)
Farmingdale
,
New York
Transforming payment solutions with seamless integration and unmatched security for businesses of all sizes.
vIEW pROFILE
Learn More
Pricing Model
Industry Specialization

Payment processing, Specific high-risk sectors include: E-commerce, adult entertainment, travel, and subscription services.

Year Founded

2004

Pricing Model
Industry Specialization

Payment processing, Specific high-risk sectors include: E-commerce, adult entertainment, travel, and subscription services.

Year Founded

2004

Credit Card Processing, Merchant Services, Payment Gateway
Enterprise Payment Gateway , Mobile Processing , PCI Compliance

Our Picks for the Best ACH and Credit Card Processing Companies

Payment Depot

Payment Depot stands out with its subscription-based pricing model, which eliminates percentage-based markups on transactions. This structure makes it particularly cost-effective for high-volume businesses, providing significant savings over traditional payment processors. Additionally, Payment Depot offers transparent fees, strong fraud prevention tools, and seamless integrations with e-commerce platforms and point-of-sale (POS) systems.

Pricing Details
  • Monthly fees: Start at $49.
  • Per transaction fees: 0.15% + $0.05 or flat rates like 2.5% + $0.10.
  • PCI compliance fee: $99 annually.
  • Chargeback fee: $15 per occurrence.
  • Early termination fee: $295.
Features and Benefits
  • Subscription-based pricing: Avoids markup on interchange fees.
  • Payment options: Supports credit cards, debit cards, ACH payments, and mobile payments.
  • E-commerce integrations: Compatible with platforms like Shopify and WooCommerce.
  • Security: Includes fraud detection and prevention tools.
  • Customer management: Tools for recurring billing, reporting, and analytics.

360 Payment Solutions, Inc.

360 Payment Solutions, Inc. is recognized for its flexibility and tailored payment processing services. Its ability to integrate seamlessly with various POS systems and backend software makes it an excellent choice for businesses seeking operational efficiency. Additionally, the company provides detailed reporting tools and multi-currency support, catering to diverse merchant needs.

Pricing Details
  • Transaction fees: Range from 2.0% to 3.5% per transaction, depending on volume and risk profile.
  • Monthly fees: Typically $20 to $30.
  • Gateway fees: $15 to $25 per month.
  • Annual fees: Around $99 for account maintenance.
  • Chargeback fees: $25 per occurrence.
  • Termination fees: Not disclosed; inquire for details.
Features and Benefits
  • Payment options: Accepts credit cards, debit cards, ACH, and mobile payments.
  • Integration: Works with e-commerce platforms, POS systems, and third-party software.
  • Security: Fraud prevention services and secure payment gateway solutions.
  • Insights: Offers advanced reporting and analytics tools.
  • Recurring billing: Supports subscription management for businesses with recurring payment models.
  • Global reach: Multi-currency transaction support.

High Risk Pay

High Risk Pay specializes in offering payment processing solutions for businesses in sectors deemed high-risk by traditional financial institutions. These include industries like online gaming, adult entertainment, and CBD products. What sets High Risk Pay apart is its ability to provide secure and compliant payment solutions, despite the challenges posed by industry regulations and the higher perceived risk. The company offers a suite of services such as chargeback management, fraud prevention, and multi-currency processing, all tailored to meet the specific needs of high-risk merchants. Their experience with navigating complex regulatory environments ensures that clients can maintain smooth and efficient financial operations even in the most scrutinized sectors.

Pricing Details
  • Transaction fees: Typically range from 2.5% to 5% per transaction, depending on the industry and risk assessment.
  • Monthly fees: Generally range from $20 to $100, with some plans including a minimum monthly charge.
  • Gateway fees: Around $15 to $25 per month, depending on the payment technology and security features used.
  • Annual fees: Account maintenance fees typically range from $100 to $300.
  • Setup fees: Custom pricing based on the risk profile of the business.
  • Chargeback fees: Typically range from $20 to $50 per chargeback.
Features and Benefits
  • Payment options: Supports credit card processing, ACH, and e-wallets for diverse payment preferences.
  • Integration: API integration for seamless payment processing across different platforms.
  • Fraud prevention: Advanced fraud detection tools to minimize the risks associated with high-risk transactions.
  • Real-time transaction monitoring: Enables immediate visibility into transactions for quicker resolution of issues.
  • Customization: Tailored checkout solutions to suit the unique needs of each business.
  • Chargeback management: Tools and strategies to manage and reduce chargeback rates.
  • Reporting and analytics: In-depth reporting for insights into transaction trends and operational performance.
  • Recurring billing: Supports recurring billing and subscription models, common in high-risk sectors.
  • Multi-currency support: Facilitates international payments and multi-currency transactions.
  • Compliance support: Assistance with navigating industry regulations and maintaining compliance with PCI standards.
  • eCommerce support: Fully integrates with various e-commerce platforms for seamless online payments.
  • Virtual terminal services: Available for businesses that need an online payment solution.

Bank Card Brokers

Bank Card Brokers specializes in offering flexible, tailored payment processing services for a wide range of industries, including high-risk sectors like online gambling, pharmaceuticals, and firearms. Their ability to provide customized merchant accounts, robust fraud prevention tools, and comprehensive support for both retail and e-commerce businesses makes them a top choice for businesses looking for reliable and secure payment solutions.

Pricing Details
  • Transaction fees: $0.10 to $0.30 per transaction, depending on volume and business type.
  • Monthly service fees: $5 to $25, based on services selected.
  • Gateway fees: $15 to $25 per month, if applicable.
  • Annual fees: $50 to $100 for account maintenance.
Features and Benefits
  • Credit card processing: Supports all major credit and debit card transactions.
  • Merchant account services: Provides customized solutions for businesses.
  • Payment gateway solutions: Secure, reliable payment gateway options for both in-store and online transactions.
  • Point of sale (POS) systems: Tailored for various business types, including retail and e-commerce.
  • Mobile payments: Mobile-friendly solutions for on-the-go transactions.
  • eCommerce payment integration: Seamless integration with online stores.
  • Chargeback management: Tools to help manage and mitigate chargebacks.
  • Fraud prevention: Advanced tools for fraud detection and prevention.
  • Loyalty and rewards programs: Programs to encourage customer retention.
  • Contactless payments: Solutions for quick and secure tap-to-pay transactions.
  • API integration: Easy integration with third-party software.
  • Multi-currency support: Facilitates international transactions.
  • Recurring billing and subscription management: Tools for subscription-based businesses.
  • CRM system integration: Integration with customer management systems.

Netcom PaySystem

Netcom PaySystem is designed to meet the diverse needs of businesses by offering payment processing solutions that ensure flexibility, security, and seamless integration. Their platform supports various payment methods, including point-of-sale systems, mobile payments, and online gateways. With a focus on operational efficiency and compliance, Netcom PaySystem helps businesses stay competitive in a rapidly evolving digital economy.

Pricing Details
  • Transaction fees: 2.5% to 3.5% per transaction, varying based on card type and processing method.
  • Monthly service fees: $10 to $30, depending on the services and contract terms.
  • Gateway fees: $15 to $25 per month for online payment gateways.
  • PCI compliance fee: $99 annually.
  • Setup fee: Contact to get started.
  • Chargeback fee: $25 per chargeback.
  • Annual fees: $100 to $300, depending on the service contract.
Features and Benefits
  • Payment processing: Efficient and secure credit card and ACH processing.
  • Point of Sale (POS) systems: Integration with various POS hardware and software.
  • Mobile payments: Flexible mobile payment options for businesses on the go.
  • eCommerce payment gateway: Seamless integration for online store transactions.
  • Merchant account services: Tailored accounts for businesses of various sizes.
  • Fraud prevention: Advanced fraud detection and prevention tools.
  • Recurring billing: Solutions for subscription and recurring billing models.
  • Virtual terminal services: Access to virtual terminals for secure online payments.
  • Currency conversion services: Support for businesses that deal with international transactions.
  • API integration: Customizable integration for payment processing and software needs.
  • Multi-currency support: Payment processing in various currencies for global reach.
  • Reporting and analytics: In-depth reporting tools to track transaction data.
  • Third-party application integration: Compatibility with third-party software and applications.

What Is ACH Payment Processing?

ACH payment processing is a way to move money between bank accounts in the U.S.

There are two main types of ACH transactions: ACH credit and ACH debit. ACH credits add money to an account, like payroll. ACH debits take money out, great for subscriptions. These transactions usually take 1 to 3 business days to complete, but faster options are available for a fee.

One big plus of ACH transactions is the lower costs. Businesses pay just a few cents to a few dollars per transaction. This is much cheaper than credit card fees, which can be 1.5% to 3.5% of the total amount plus extra charges. This makes ACH a top choice for affordable and reliable payments.

ACH transactions are also very secure. They have strong security measures to protect your data, making them safer than credit cards and paper checks. Many companies use ACH APIs to automate payments. This cuts down on errors and makes things easier for businesses.

What Is Credit Card Processing?

Credit card processing handles payments made with credit cards. It happens at checkout or online. The process starts with the cardholder's approval, then moves to the acquiring bank and payment networks. Finally, the issuing bank confirms the transaction.

After approval, merchants get their money in one to three business days. This quick access to funds makes credit cards popular. They are easy to use and offer rewards.

However, credit card use comes with costs. Businesses pay processing fees, which are 1.5% to 3.5% of the transaction amount. Interchange fees, about 1% to 3%, are a big part of these costs. They affect how much merchants pay for services.

  • Average credit card processing fee: 1.5% to 3.3%
  • Discount rates usually sit between 1.5% and 3% of transaction value
  • Chargeback fees may range from $20 to $100 per occurrence

Why You Need Both ACH and Credit Card Processing

Each of these has its own strengths that can improve your operations, customer service, and sales. Let’s take a look at the differences.

1. Lower Costs with ACH

ACH (Automated Clearing House) transactions often come with significantly lower processing fees than credit card transactions. Here's why this matters:

  • Cost-Effectiveness for High-Value Transactions: For large payments like tuition, rent, or B2B invoices, ACH can save businesses a substantial amount in fees compared to credit cards. Credit card fees, often around 2.5-3% per transaction, can add up quickly for high-ticket items. ACH fees are typically flat or percentage-based but much lower (e.g., $0.25 to $1 or 0.5%).
  • Recurring Payments: ACH is particularly useful for recurring billing, like subscriptions or memberships, where minimizing fees over time becomes critical.
  • Examples of Use Cases: Nonprofits often use ACH for large donations, and utilities or landlords may prefer ACH for regular bill payments.

2. Convenience with Credit Cards

Credit cards are the go-to payment method for speed and convenience, offering benefits that ACH doesn't always provide:

  • Immediate Payment Confirmation: Credit card transactions are processed almost instantly, allowing businesses to fulfill orders quickly. ACH transactions, in contrast, may take 2–5 business days to clear.
  • Ease of Use for Customers: Many customers prefer credit cards for their flexibility, such as financing purchases or earning rewards points (e.g., cashback, miles).
  • International Transactions: Credit cards are well-suited for businesses that deal with international clients, as they simplify currency conversions and cross-border payments, unlike ACH, which is primarily domestic.

3. Customer Preferences

Offering both ACH and credit card payment options caters to a diverse range of customer needs and preferences:

  • Trust and Security: Some customers trust ACH because it links directly to their bank accounts, offering perceived stability and lower risk of overspending.
  • Rewards and Financing: Other customers may prefer credit cards for perks like travel rewards, cashback, or the ability to defer payments.
  • Demographic Differences: Older customers or those familiar with traditional banking may lean towards ACH, while younger, tech-savvy customers might prioritize credit card or digital wallet payments.

4. Recurring and One-Time Payments

Different payment scenarios require different solutions:

  • ACH for Recurring Payments: ACH is ideal for subscriptions, loan repayments, or other ongoing charges because it avoids the issue of expired or declined credit cards.
  • Credit Cards for One-Time Payments: Credit cards shine in situations where customers want fast processing, such as buying an item online or paying for services like tickets or consultations.

5. Backup Option

Having both methods ensures no missed transactions:

  • When ACH is Unavailable: Some customers may not have their bank account details readily available but can still pay using a credit card.
  • When Credit Card Limits are an Issue: For high-value transactions, some customers might hit their credit card limit and prefer the ACH option to avoid overage fees.
  • Reduced Friction: Giving customers multiple payment options reduces drop-offs during checkout or payment collection.

What to Look for When Choosing ACH and Credit Card Processing Service Provider

Look at the payment processing fees from different providers. ACH processing often has lower fees than credit card transactions, which is good for small businesses.

1. Costs and Fees

When selecting a provider, understanding the costs associated with processing payments is critical. ACH processing fees are typically much lower than credit card fees, often charged as a flat fee per transaction or a very small percentage. For businesses handling large transaction volumes or high-ticket items, these savings can be substantial. 

On the other hand, credit card processing fees often include interchange rates, markup fees, and sometimes additional monthly or statement charges, which can significantly affect profitability. Also, look out for hidden fees such as setup costs, early termination charges, or compliance fees, which may not be immediately apparent but could add to the overall expense.

2. Security and Compliance

Security is paramount when handling sensitive financial data. Providers should adhere to PCI DSS (Payment Card Industry Data Security Standards) to ensure the safety of credit card transactions. For ACH payments, the compliance with NACHA guidelines maintains the integrity of the payment process and prevents unauthorized access. 

Advanced features like tokenization, which replaces sensitive data with secure tokens, and fraud detection systems can further safeguard transactions, providing peace of mind for both the business and its customers.

3. Integration with Existing Systems

Seamless integration with your current systems is a non-negotiable requirement. The payment processing service should work effortlessly with your e-commerce platform, accounting software, or POS system to minimize operational disruptions. 

For businesses relying on recurring payments, the provider should support subscription management tools that automate billing cycles, reducing manual workload and improving efficiency. Ensuring compatibility with your existing infrastructure will save time and resources while streamlining the payment process.

4. Transaction Speed

The time it takes for payments to be processed can significantly impact cash flow. ACH payments typically take between 2–5 business days to clear, but some providers offer expedited processing options for faster turnaround. Credit card transactions, in contrast, are usually processed almost instantly, making them ideal for businesses that require immediate payment confirmation. 

Evaluating the provider’s transaction speed ensures you can meet your business's operational needs while maintaining customer satisfaction.

5. Customer Support

Accessible and reliable customer support helps in resolving technical issues, addressing disputes, and maintaining operational continuity. Look for providers that offer 24/7 support through various channels, including phone, email, and live chat. 

A responsive and knowledgeable support team can save valuable time and help prevent payment delays or disruptions, ensuring smooth business operations even during unexpected challenges.

6. Contract Terms

Flexibility in contract terms can make a significant difference, especially for small businesses or startups. Avoid providers that lock you into long-term contracts with high termination fees, as this can be restrictive if your business needs change or if the provider’s services fail to meet expectations. 

Opt for providers offering transparent and flexible agreements, allowing you to adapt as your business evolves without incurring unnecessary costs.

7. User-Friendly Dashboard

A well-designed, intuitive dashboard simplifies payment management, enabling you to track transactions, generate reports, and access analytics with ease. The ability to quickly understand and use the interface minimizes training time and allows you to focus on other business priorities. 

A user-friendly system ensures that even non-technical team members can handle payment operations efficiently.

8. Reputation and Reliability

The provider’s reputation in the industry speaks volumes about the quality and reliability of their services. Research reviews, testimonials, and case studies to gain insights into their track record. 

A provider with a history of reliability, minimal downtime, and positive customer feedback is more likely to deliver consistent and trustworthy service.

9. International and Multicurrency Support

Businesses operating on a global scale must be able to process international payments and handle multiple currencies. A provider that supports these features allows you to cater to a broader audience, eliminate currency conversion hassles, and streamline cross-border transactions. 

This capability can be a significant growth driver for businesses expanding into international markets.

10. Additional Features

Additional features can enhance the value of a payment processing service. For ACH, capabilities like same-day processing, recurring billing automation, and batch uploads are valuable for efficiency and scalability. 

For credit card processing, support for digital wallets such as Apple Pay and Google Pay, as well as mobile payments, ensures you stay ahead of consumer trends and offer modern payment solutions.

11. Scalability

As your business grows, your payment processing needs will likely evolve. A scalable provider can accommodate higher transaction volumes, new payment methods, and expanded geographic reach without compromising service quality. 

Choosing a provider with scalable infrastructure ensures your business can grow seamlessly without needing to switch providers, saving time and effort in the long term.

Methodology: How We Rate ACH and Credit Card Processing Companies

Our editorial team evaluates ACH and credit card processing companies based on a comprehensive analysis of features, pricing, and usability. We gather data directly from company websites, product documentation, and user reviews. Additionally, we speak with company representatives and test product demos when available to ensure a hands-on understanding of their offerings. Our methodology ensures that the ratings reflect the practical needs of businesses across various industries.

Evaluation Criteria:

We assess payment processing companies across six categories, weighted based on their importance to business operations. Each company’s score is determined by a weighted average across these categories:

Overall Cost (30%)

Includes transaction fees, monthly costs, gateway fees, and other associated charges. Transparent pricing and affordability are prioritized.

Integration and Compatibility (25%)

We evaluate the compatibility with POS systems, e-commerce platforms, and third-party software.

Security and Compliance (20%)

 We examine fraud prevention, chargeback management, and compliance with industry standards like PCI DSS.

Ease of Use (10%)

We assess the user interface, onboarding process, and ease of managing transactions.

Customer Support (10%)

We rate the quality, availability, and response times of customer support.

Flexibility and Contract Terms (5%)

We review the contract options, including month-to-month plans, cancellation policies, and trial periods.

How We Define Our Ratings:

Exceptional providers excelling in all categories. These companies offer competitive pricing, robust features, and unmatched usability.
 Excellent providers with strong features and value but may have minor limitations like less flexible contract terms or fewer integrations.
Good options for specific industries or needs but may have higher costs, fewer features, or usability challenges.
Providers that fall short in several categories, offering limited value or features compared to competitors.

Our Commitment to Accuracy:

We regularly update our data points to reflect changes in pricing, features, or policies. Our ratings serve as a guide, but we encourage businesses to compare multiple providers to find the best fit for their unique needs.

Meet Our Experts

Denis Lunev
Denis Lunev is a seasoned expert in payment platform development, with over a decade of experience dedicated to automating payment operations. He has successfully consulted hundreds of businesses, helping them streamline billing processes, optimize cash flow, and maintain compliance and security standards.
View Profile