10 Best Merchant Services of #

Written by:
Denis Lunev
Edited by:
Natalie Luneva
Last updated on January, 2025
Merchant services help businesses accept electronic payments in stores or online. Companies like payment processors, acquirers, and credit card networks work together. They make sure transactions are smooth and secure.

Best Merchant Services

PaymentDepot.com

(
345
)
866-764-2322
(
345
)
Orange
,
California
Empowering businesses with seamless payment solutions and transparent pricing for unrivaled growth.
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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
Credit Card Processing, Mobile Payment Solutions, Point of Sale Systems, eCommerce Payment Solutions, ACH/EFT Payment Processing, Virtual Terminal Services, Payment Gateway Solutions, Customer Management Tools, Chargeback Management, Merchant Account Services

Web Design Enterprise

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

Web Design

Year Founded

2016

Pricing Model
Industry Specialization

Web Design

Year Founded

2016

Credit Card Processing
Web Development

Electronic Merchant Systems

(
58
)
800-726-2117
(
58
)
Cleveland
,
Ohio
Empowering businesses with seamless payment solutions and exceptional service.
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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
Payment Processing, Point of Sale Systems, Mobile Payment Solutions, eCommerce Payment Solutions, Gift & Gift and Loyalty Programs, Merchant Cash Advance, Chargeback Management, PCI Compliance Assistance, Virtual Terminal Services, Payment Gateway Solutions, Reporting & Analytics Tools, Secure Payment Solutions, Customer Support Services, Customizable Payment Solutions.
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.
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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
Payment Processing, Risk Management Services, Merchant account services, Compliance and regulatory assistance, Payment Gateway Solutions, Fraud Prevention Services , Chargeback management, Merchant training and support, Analytics and reporting services, Mobile Payment Solutions
Merchant Services

360 Payment Solutions, Inc.

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

Payment Processing

Year Founded

2013

Pricing Model
Industry Specialization

Payment Processing

Year Founded

2013

Credit Card Processing, Merchant Processing
Credit Card Processing, Mobile Payment Solutions, eCommerce Payment Solutions, Point of Sale Systems, ACH Payments, Recurring Billing, Payment Gateway Solutions, Fraud Prevention Services , Merchant Account Services, Reporting and Analytics Tools

High Risk Pay

(
36
)
800-956-1277
(
36
)
Ladera Ranch
,
California
Empowering businesses with reliable payment solutions, even in high-risk environments.
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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
High Risk Merchant Accounts, Payment Processing, Chargeback Management, Fraud Prevention Services , Gateway Solutions, Rolling Reserves Management, Multi-Currency Processing, ACH Payment Processing Services, Consultation for Risk Assessment, Compliance Support and Guidance, Virtual Terminal Services, eCommerce Payment Solutions

Punchey

(
33
)
855-786-2439
(
33
)
New York
,
New York
Empowering small businesses with seamless payment solutions and customer engagement tools.
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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
Payment Processing, Mobile Payment Solutions, Point of Sale Systems, eCommerce Payment Solutions, Gift and Loyalty Programs, Customer Relationship Management, Fraud Prevention Services , Data Analytics and Reporting, Virtual Terminal Services, Chargeback Management.

LVRG Funding

(
28
)
855-998-5874
(
28
)
Detroit
,
Michigan
Empowering growth through flexible, innovative funding solutions for businesses at every stage.
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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
Financing Solutions, Financing, Invoice Factoring, Merchant cash advance, Lines of Credit, Working Capital Loans, SBA Loans, Financing, Financing, loans, Financing, Bridge Loans

MBNCARD, Inc.

(
25
)
877 871-4629
(
25
)
Las Vegas
,
Nevada
Empowering seamless digital transactions with innovative card solutions tailored for modern needs.
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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
Payment Processing, Point of Sale Systems, Mobile Payment Solutions, eCommerce Payment Gateway, Merchant account services, Fraud Prevention Services , Gift and Loyalty Programs, Invoice and billing solutions, Virtual terminal services, Chargeback Management
Wireless Integration

Quantum Merchant Services

(
22
)
800-815-3123
(
22
)
Oakdale
,
Minnesota
Empowering businesses with seamless and secure payment solutions tailored for every transaction.
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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
Payment Processing, Mobile Payment Solutions, Point of Sale Systems, eCommerce Payment Integration, Fraud Prevention Services , Virtual terminal services, Recurring billing options, Chargeback management, Financing Solutions, Merchant account setup, Gift and loyalty card programs, PCI compliance assistance, Data analytics and reporting, Multi-Currency Processing, Customer support services.
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.
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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
Point of Sale Systems, Inventory Management, Employee Scheduling, Customer Relationship Management, Payment Processing, Table Management, Reporting and Analytics, Loyalty Program Integration, Online Ordering Solutions, Mobile Payment Options, Menu Management, Gift Card Management, Multi-location Management, Delivery Management Solutions, Technical Support Services.

Jack Henry & Associates, Inc

(
16
)
1 (417) 235-6652
(
16
)
Monett
,
Missouri
Empowering financial institutions with innovative technology solutions for seamless banking experiences.
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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
Core banking solutions, Payment Processing services, Risk Management Servicesand compliance solutions, Digital banking platforms, Fraud detection and prevention systems, IT infrastructure and cloud services, Data analytics and business intelligence, Mobile banking applications, Customer Relationship Management software, Lending solutions, Payment Gateway Solutions, Check processing services, Merchant services, Regulatory reporting solutions, Strategic consulting services
Mobile Processing

eWAY

(
15
)
844-439-2972
(
15
)
,
Empowering seamless online transactions with cutting-edge payment solutions.
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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, eCommerce Integration, Mobile Payment Solutions, Recurring Billing, Fraud and Risk Management, PCI Compliance Support, Virtual Terminal, API Integration, Multi-Currency Processing, Payment Reporting and Analytics.
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.
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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
Payment Processing, Merchant Services, Payment Gateway Solutions, Virtual Terminal Solutions, Mobile Payment Solutions, eCommerce Payment Solutions, Fraud detection and prevention, Chargeback Management, Recurring Billing Services, Point of Sale Systems, Customer Support Services, Data Analytics and Reporting, PCI Compliance Assistance
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.
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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
Payment Processing, Merchant Accounts, Point of Sale Systems, Mobile Payment Solutions, eCommerce Payment Solutions, Fraud Prevention Services , Chargeback Management, Business Funding Solutions, Gift and Loyalty Programs, Customer Analytics and Reporting

National Transaction Corporation

(
13
)
888-472-7112
(
13
)
Coral Springs
,
Florida
Effortless payment processing solutions tailored for businesses of all sizes.
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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
Merchant Services, Credit Card Processing, eCommerce Payment Solutions, Mobile Payment Solutions, Gift and Loyalty Card Programs, Point of Sale Systems, Payment Gateway Solutions, Check Acceptance Solutions, Recurring Billing Solutions, Fraud Prevention Services

Dharma Merchant Services

(
11
)
1 866-615-5157
(
11
)
San Francisco
,
California
Empowering businesses with ethical payment solutions that prioritize social impact and transparency.
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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
Payment Processing, eCommerce Payment Solutions, Mobile Payment Solutions, Donation processing, Integrated Point of Sale Systems, Virtual terminal services, Recurring billing, Customer invoicing, Chargeback management, Reporting and analytics, Customer support services
Merchant Cash Advance

Bank Card Brokers

(
11
)
877-227-2111
(
11
)
Vancouver
,
Washington
Empowering businesses with tailor-made payment solutions and unmatched support.
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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
Credit Card Processing, Merchant Account Services, Payment Gateway Solutions, Point of Sale Systems, Mobile Payment Solutions, eCommerce Payment Integration, Chargeback Management, Fraud Prevention Services , Loyalty and Rewards Programs, Contactless Payment Solutions.

Beacon Payments, LLC

(
10
)
1 877-986-4445
(
10
)
Boston
,
Massachusetts
Empowering businesses with seamless payment solutions tailored for growth and innovation.
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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
Payment Processing, Point of Sale Systems, Mobile Payment Solutions, eCommerce Payment Gateway, Merchant Accounts, Fraud Prevention Services , Chargeback Management, Virtual Terminal Services, Automated Recurring Billing, Reporting and Analytics Tools, Gift and Loyalty Programs, PCI Compliance Assistance
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.
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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
Payment Processing, Merchant Services, Point of Sale Systems, Mobile Payment Solutions, eCommerce Payment Solutions, Check Processing Services, Secure Payment Gateway, Chargeback Management, Fraud Prevention Services , Cryptocurrency Payment Processing
Enterprise Payment Gateway , Mobile Processing , PCI Compliance

Our Picks for the Best Payment Gateways

The Card Association

The Card Association stands out for its focus on security, compliance, and providing a wide range of services tailored to both merchants and financial institutions. As an ISO, it offers a robust payment processing solution, backed by risk management services, fraud prevention, and merchant training. Its commitment to innovation and providing real-time transaction data makes it an excellent choice for businesses looking to streamline operations while ensuring regulatory compliance.

(
55
)
Pricing Details
  • Transaction fees: Range from 1.5% to 3.5% per transaction, depending on card type and transaction volume.
  • Monthly fees: Typically $10 to $30, covering account maintenance and support services.
  • Gateway fees: Around $0.10 to $0.25 per transaction or a monthly fee of $20 to $25.
  • Annual fees: Around $100 for account maintenance and compliance.
  • Chargeback fees: Not specified; typically charged on a per-occurrence basis.
  • Termination fees: Not disclosed; merchants are advised to inquire for specifics.
Features and Benefits
  • Payment options: Accepts credit cards, debit cards, and mobile wallets.
  • Integration: Compatible with various e-commerce platforms and POS systems.
  • Security: Fraud detection and prevention tools, PCI compliance assistance, and risk management services.
  • Insights: Custom reporting and analytics tools for transaction management.
  • Training & Support: Merchant training and ongoing support to help navigate the complexities of payment processing.
  • Global reach: Multi-currency support for international transactions.
  • Real-time data: Provides real-time transaction data retrieval to keep merchants informed.

Quantum Merchant Services

Quantum Merchant Services is known for its comprehensive range of payment solutions tailored to businesses of all sizes. With a strong focus on security and customer support, Quantum provides merchants with a seamless payment experience across various platforms, including POS systems, e-commerce, and mobile payments. The company’s ability to offer customizable payment solutions, coupled with its robust fraud prevention and recurring billing options, makes it a strong choice for businesses seeking a reliable and flexible partner in payment processing.

(
22
)
Pricing Details
  • Transaction fees: Typically range from 1.5% to 3.5% per transaction, with an additional fee of $0.10 to $0.30 per transaction.
  • Monthly fees: Around $10 to $30, depending on the level of service and features provided.
  • Gateway fees: Typically $15 to $25 per month for online payment gateway services.
  • Annual fees: Ranges from $0 to $150, depending on the contract and services included.
  • Chargeback fees: Not disclosed; typically charged on a per-occurrence basis.
  • Equipment leasing: Not disclosed; merchants should inquire for details.
Features and Benefits
  • Payment options: Accepts credit and debit cards, mobile payments, and recurring billing.
  • Integration: Compatible with a wide range of POS systems and e-commerce platforms, including Shopify and WooCommerce.
  • Security: Robust fraud prevention services, PCI compliance assistance, and secure payment gateway solutions.
  • Insights: Provides detailed reporting and analytics tools for transaction management.
  • Recurring billing: Supports subscription models and recurring billing options for businesses with repeat customers.
  • Global reach: Multi-currency support for international transactions.
  • Customization: Offers customizable payment forms and APIs for seamless integration with websites and apps.
  • Customer support: Provides dedicated support to assist with payment processing challenges.

Jack Henry & Associates, Inc.

Jack Henry & Associates, Inc. is a trusted provider of software solutions tailored to the financial services industry. With a focus on core banking systems, payment processing, and digital banking platforms, they deliver integrated solutions that help financial institutions streamline operations and improve customer experiences. Their strong emphasis on security, regulatory compliance, and flexible pricing makes them a top choice for banks, credit unions, and other financial entities seeking scalable and reliable payment processing solutions.

Pricing Details
  • Transaction fees: Typically range from $0.05 to $0.25 per transaction, depending on transaction volume and type.
  • Monthly fees: Can range from $10 to $500, based on the level of service and support needed.
  • Gateway fees: Typically $15 to $50 per month for secure payment processing.
  • Annual fees: Typically range from $100 to $1,200, depending on service complexity and client needs.
  • Setup fee: Request to get started; pricing may vary based on the integration and services required.
Features and Benefits
  • Payment options: Offers a range of payment processing solutions for credit cards, mobile payments, and check processing.
  • Integration: Supports API and pre-built connectors for popular financial software and third-party payment processors.
  • Security: Focus on compliance with industry standards for data security and fraud prevention systems.
  • Insights: Provides data analytics, business intelligence, and compliance reporting tools for financial institutions.
  • Mobile banking: Provides mobile banking applications and integration for seamless customer experiences.
  • Scalability: Designed for scalability, supporting both small institutions and large financial organizations with tiered subscription options.
  • Customization: Custom integration solutions tailored to client needs, with cloud-based integration options.
  • Regulatory support: Ensures compliance with industry standards and regulatory reporting solutions.

PAYARC

PAYARC stands out for its flexible, customizable payment processing solutions that cater to businesses of various sizes and industries. Whether you're in retail, e-commerce, or B2B services, PAYARC offers an easy-to-integrate platform designed to enhance operational efficiency. Its strong focus on fraud protection, recurring billing, and detailed reporting makes it an excellent choice for businesses looking to streamline payment processing while maintaining compliance with industry standards.

Pricing Details
  • Transaction fees: Range from 0.2% to 0.5%, plus a fixed fee of $0.10 to $0.30 per transaction, depending on transaction volume and type.
  • Monthly fees: Typically range from $10 to $30 for account maintenance and customer support.
  • Gateway fees: $25 per month for gateway access.
  • Setup fees: One-time setup cost of approximately $50 to $150, depending on the services chosen.
  • Annual fees: Generally, there are no annual fees.
Features and Benefits
  • Payment options: Accepts a wide range of payment methods including credit cards, mobile payments, and more.
  • Integration: Easy integration with e-commerce platforms, POS systems, mobile payments, and custom dashboards.
  • Security: Advanced fraud detection and prevention tools, along with PCI compliance assistance.
  • Insights: Detailed reporting and analytics tools to help businesses track and optimize their transactions.
  • Recurring billing: Supports subscription-based and recurring billing models.
  • Multi-currency support: Enables international transactions, making it easier for businesses with a global reach.
  • Customer support: 24/7 customer support to help businesses with any issues.
  • Onboarding: Seamless merchant onboarding process, making it easy for businesses to get started.

National Transaction Corporation

National Transaction Corporation offers a comprehensive suite of payment processing solutions tailored to businesses of all sizes. With a focus on flexibility, security, and scalability, they support a variety of payment methods, including credit card processing, mobile payments, and eCommerce solutions. Their robust security measures and fraud prevention tools make them a reliable choice for businesses seeking secure and efficient transaction processing.

(
13
)
Pricing Details
  • Transaction fees: Typically range from 1.5% to 3.5% per transaction, depending on card type and volume.
  • Monthly fees: Generally range from $20 to $50, depending on services and volume.
  • Gateway fees: $10 to $30 per month for online payment gateway access.
  • Setup fees: One-time setup fees may apply; contact National Transaction Corporation for custom pricing.
  • Chargeback fees: $15 per chargeback occurrence.
  • Early termination fees: $295 if the merchant ends the contract early.
  • Batch fees: $0.15 per batch.
  • Monthly minimum fee: $25, applicable if transaction volume does not meet a set threshold.
  • Annual fees: Typically around $99, depending on the services selected.
Features and Benefits
  • Payment options: Supports credit cards, mobile payments, and electronic checks.
  • Integration: Seamless integration with e-commerce platforms, POS systems, and mobile payment solutions.
  • Security: Fraud prevention tools, encryption, and compliance measures to safeguard transactions.
  • Insights: Reporting and analytics tools for transaction tracking and optimization.
  • Recurring billing: Enables recurring billing and subscription-based payments.
  • Multi-currency support: Facilitates international transactions with multi-currency support.
  • Customer support: Dedicated customer support for troubleshooting and technical assistance.
  • Virtual terminal access: Allows merchants to process payments manually via a virtual terminal.
  • Accounting integration: Integrates with accounting software to streamline financial reporting.

Targeted Merchant Solution

Targeted Merchant Solution is a payment processing provider that focuses on delivering tailored solutions for businesses of all sizes. By offering customized strategies, they ensure that businesses can efficiently handle transactions, whether in-store, online, or via mobile. Their security and compliance measures, alongside flexible payment methods and integrations, make them an ideal choice for merchants who need scalable solutions to meet their unique business needs.

Pricing Details
  • Transaction fees: Typically range from 1.5% to 3.5% per transaction, depending on the type of card and the payment method used.
  • Monthly fees: Generally between $10 to $30, covering account maintenance and customer support.
  • Gateway fees: $10 to $25 per month for payment gateway access.
  • Annual fees: Typically range from $100 to $200 for account management and renewal services.
  • Setup fees: Contact Targeted Merchant Solution for customized pricing based on specific needs.
Features and Benefits
  • Payment options: Accepts credit cards, digital wallets, and other payment methods.
  • Integration: Offers API integrations and plugins for popular e-commerce platforms like Shopify and WooCommerce.
  • Security: Advanced tokenization for secure transactions and compliance with industry standards.
  • Customization: Customizable checkout solutions to align with business branding and preferences.
  • Mobile payments: Integration with mobile payment systems for on-the-go transactions.
  • Recurring billing: Supports recurring billing and subscription management features.
  • Fraud prevention: Fraud detection and prevention tools to protect businesses from chargebacks and fraud.
  • Multi-currency support: Enables international transactions with multi-currency capabilities.
  • Customer analytics: Reporting and analytics tools to provide insights into customer behavior and transaction trends.
  • Customer support: Dedicated support for troubleshooting and service-related inquiries.

Bank Card Brokers

Bank Card Brokers offers a comprehensive suite of payment processing services with a focus on credit and debit card transactions. Their flexibility in providing tailored solutions for businesses of all sizes—from retail to e-commerce—makes them an ideal choice for merchants looking for secure and compliant payment processing. With integration options for POS systems, mobile payments, and e-commerce platforms, they address a wide array of business needs while offering scalability and fraud protection.

(
11
)
Pricing Details
  • Transaction fees: Typically range from $0.10 to $0.30 per transaction, based on processing volume and business type.
  • Monthly fees: Generally between $5 to $25, depending on services used.
  • Gateway fees: Typically $15 to $25 per month for payment gateway access.
  • Annual fees: Account maintenance fees range from $50 to $100 annually.
  • Setup fees: Custom pricing based on business requirements and agreements with Bank Card Brokers.
Features and Benefits
  • Payment options: Supports a variety of payment methods, including credit and debit cards, digital wallets, and contactless payments.
  • Integration: API integration for seamless payment processing and compatibility with multiple payment gateways.
  • Real-time transaction processing: Allows for immediate processing of transactions.
  • Customization: Offers customizable checkout experiences for a tailored payment process.
  • Fraud prevention: Provides fraud detection and prevention tools to ensure secure transactions.
  • Reporting and analytics: Includes integration with reporting and analytics tools for insights into transaction data.
  • CRM integration: Supports customer relationship management (CRM) system integration for better client interaction.
  • E-commerce support: Full compatibility with e-commerce platforms for online payment processing.
  • Recurring billing: Enables recurring billing and subscription management services.
  • Multi-currency support: Facilitates international transactions with multi-currency support.
  • Mobile payments: Integration for mobile payment solutions for on-the-go transactions.
  • POS system integration: Compatible with point-of-sale (POS) systems for physical retail transactions.

Dharma Merchant Services

Dharma Merchant Services stands out by offering ethical and transparent payment processing solutions, particularly suited for small to medium-sized businesses and nonprofits. Known for its commitment to social responsibility, Dharma provides simple, fair pricing and integrates advanced tools such as recurring billing, mobile payments, and e-commerce support. Their emphasis on sustainability, combined with an easy-to-use platform, makes them an ideal choice for businesses that value both financial transparency and their ethical impact.

Pricing Details
  • Transaction fees: Typically 2.7% + $0.30 per transaction for credit and debit card processing.
  • Monthly fees: Starts at $15, covering access to their payment platform and customer support services.
  • Payment gateway fee: No additional cost for using their payment gateway.
  • Virtual terminal fee: $15 per month for virtual terminal access.
  • Chargeback fee: $25 per chargeback.
  • Setup fees: None, promoting an easy and cost-effective onboarding process.
  • Annual fees: None, ensuring no hidden costs.
Features and Benefits
  • Payment options: Offers credit card processing, mobile payment solutions, and donation processing, making it versatile for various business models.
  • Integration: Includes API integration for payment processing and POS system integration for seamless transaction handling.
  • E-commerce support: Full compatibility with e-commerce platforms, allowing businesses to accept online payments efficiently.
  • Recurring billing: Enables recurring billing and subscription management, beneficial for businesses with repeat customers.
  • Virtual terminal: Provides virtual terminal services for businesses that need to process payments without a physical POS system.
  • Customer invoicing: Simplifies billing by offering tools for customer invoicing and chargeback management.
  • Reporting and analytics: Includes reporting tools to track sales and transaction data for better business insights.
  • Mobile payment solutions: Integration with mobile payment systems, supporting transactions on-the-go.
  • Multi-currency support: Enables businesses to accept payments from international customers by supporting multi-currency transactions.
  • Secure customer data storage: Ensures the safe storage of sensitive customer data with advanced security protocols.

Netcom PaySystem

Netcom PaySystem offers a robust suite of payment solutions for businesses that prioritize flexibility, security, and ease of integration across multiple channels. With an emphasis on innovative payment processing, including mobile payment solutions, e-commerce gateways, and ACH processing, Netcom helps businesses streamline transactions. Their commitment to security, including fraud prevention and PCI compliance, ensures businesses can trust their payment system while adapting to the evolving digital landscape.

(
9
)
Pricing Details
  • Transaction fees: Typically range from 2.5% to 3.5%, depending on the type of card (credit or debit) and processing method (swiped vs. keyed).
  • Monthly fees: Range from $10 to $30, depending on the service level and contract terms.
  • Gateway fees: If using an online payment gateway, fees range from $15 to $25 per month.
  • Annual fees: Can range from $100 to $300, depending on the account setup and services selected.
  • Setup fees: Upon request, as pricing varies based on specific merchant needs.
  • Chargeback fee: $25 per chargeback.
  • PCI compliance fee: $99 annually for businesses to maintain PCI compliance.
Features and Benefits
  • Payment options: Credit card processing, ACH processing, mobile payment solutions, and e-commerce payment gateways, supporting various business models.
  • Integration: Includes API and custom software integration to ensure seamless connection with existing business systems.
  • Multi-currency support: Provides businesses with the ability to accept payments in different currencies, ideal for international transactions.
  • Recurring billing: Features recurring billing capabilities for businesses with subscription-based models.
  • Fraud prevention: Includes robust fraud detection and prevention tools to safeguard transactions and customer data.
  • Reporting and analytics: Provides businesses with reporting tools for tracking sales and transaction data, enabling better decision-making.
  • Virtual terminal: Offers access to a virtual terminal for businesses that need to process transactions remotely.
  • POS system integration: Full compatibility with point-of-sale systems for in-person transactions.
  • E-commerce platform integration: Ensures smooth integration with major e-commerce platforms, allowing online businesses to accept payments easily.
  • Third-party app integration: Supports the integration of third-party applications for expanded functionality.

What Do Merchant Services Include?

Merchant services help businesses handle payments smoothly. They include many parts that make transactions easy for all kinds of businesses.

Payment Processing

Payment processing allows businesses to accept payments via credit cards, debit cards, and mobile wallets, providing convenience to customers. Whether through physical point-of-sale (POS) systems or online payment gateways, it enables businesses to quickly and securely process transactions. This offers customers more flexible payment options and increases sales.

Payment Gateway

A payment gateway acts as a bridge between a business’s website and the payment processor. It authorizes and processes payments securely, as it encrypts customer data and ensures smooth communication between the customer’s bank and the merchant’s bank. 

With a reliable payment gateway, businesses can ensure faster and more secure transactions, which helps to reduce cart abandonment and enhance customer trust in online purchases. When comparing merchant services, consider those with the best merchant payment gateway options.

POS Systems

Point-of-sale (POS) systems are used to process card payments in physical stores. These systems come with hardware like card readers, terminals, and receipt printers. They allow businesses to accept various payment methods (credit/debit cards, mobile wallets, etc.) and track sales in real-time. 

POS systems often include additional features like inventory management, customer loyalty programs, and employee management, which help businesses operate more efficiently. The top-rated merchant services typically offer POS systems with integrated features.

Merchant Accounts

A merchant account is a special type of bank account that allows businesses to accept card payments. It serves as an intermediary between the customer’s bank and the business, holding funds temporarily before they are transferred to the business’s main account. 

Merchant accounts help businesses that want to accept credit and debit card payments, as they facilitate the secure transfer of funds and help businesses manage transactions effectively. Merchant accounts for sending invoices are critical for businesses that rely on recurring billing or invoicing.

Recurring Billing

Recurring billing is an essential service for businesses that offer subscription-based products or services. This feature automatically processes payments on a scheduled basis (e.g., monthly, quarterly), making it easier for businesses to manage ongoing customer subscriptions. 

With recurring billing, businesses can reduce manual effort and improve customer retention. This service is particularly useful for businesses in industries like software, media streaming, health clubs, and membership services. The best merchant services for online businesses often include robust recurring billing features.

Fraud Prevention Tools

Fraud prevention tools are designed to protect businesses from fraudulent transactions and minimize the risk of chargebacks. These tools include encryption and tokenization technologies, which secure payment data, and advanced fraud detection systems that identify suspicious transactions in real-time. 

Merchant services often provide integrated fraud prevention measures to safeguard customer information, reducing the financial impact of fraud and ensuring compliance with security standards such as PCI-DSS. The best merchant card services prioritize security to protect both businesses and customers.

Mobile Payment Solutions

Mobile payment solutions allow businesses to accept payments via smartphones or tablets, offering flexibility for businesses that operate on-the-go or in pop-up locations. Through apps like Apple Pay, Google Wallet, or mobile POS systems, businesses can process card payments without needing traditional card readers or terminals. 

This makes it easier for small businesses, vendors, or field service providers to collect payments anywhere, enhancing customer convenience and streamlining sales processes. The best online merchant services for small businesses offer mobile payment solutions for flexibility.

Chargeback Management

Chargeback management tools help businesses manage and dispute transaction reversals initiated by customers. Chargebacks occur when a customer disputes a payment, and the funds are returned to their account, often leading to losses for the business. 

Chargeback management tools allow businesses to respond quickly to disputes, providing evidence to contest invalid chargebacks and reducing financial losses. The best merchant account services should include chargeback management features.

Reporting and Analytics

Reporting and analytics tools provide businesses with valuable insights into their sales, customer behavior, and financial performance. When businesses track key metrics such as transaction volume, revenue trends, and customer preferences, they can make informed decisions to optimize operations, adjust pricing strategies, and improve customer service. 

Reporting features help with financial forecasting, tax reporting, and monitoring key performance indicators (KPIs), allowing businesses to manage growth and make data-driven decisions.

Gift and Loyalty Programs

Gift and loyalty programs enable businesses to enhance customer engagement and retention. Through these programs, businesses can offer customers incentives such as rewards points, discounts, or gift cards, encouraging repeat business and increasing customer lifetime value.

Merchant Services vs Merchant Accounts

The terms "merchant services" and "merchant accounts" are often mixed up.

Merchant Services

VS

Merchant services offer a range of tools for accepting payments. This includes payment gateways, POS systems, and more. Some merchant services include online credit card processing and merchant services for online businesses.

Merchant Accounts

A merchant account, on the other hand, is a bank account for businesses to process card transactions. It lets businesses accept electronic payments safely. Providers focus on setting up these accounts for smooth transaction handling.

There are thousands of merchant service providers in the U.S. Businesses can pick from many options based on their needs. Different types of merchants need different payment solutions, including specialty merchant services for specific industries.

A merchant account usually comes with payment processing tools. Without a merchant services account, businesses face big challenges, especially with high-risk transactions. Keeping payment secure is also a top priority.

How to Choose the Best Merchant Services Provider?

Choosing a merchant services provider is a big deal for your business. You should know what your business needs. Think about how many transactions you do, what payments you accept, and if you need in-person or online payment options. Picking the right one for your business will make your partnership work better.

1. Understand Your Business Needs

Before selecting a merchant services provider, fully understand your business's payment requirements and operational needs.

  • Payment Methods: Identify which payment methods are essential for your business. This includes credit/debit cards, mobile wallets (e.g., Apple Pay, Google Pay), checks, or online payment methods. Offering various payment options will increase convenience for customers and potentially boost sales.
  • Transaction Volume: Assess your average transaction volume to determine the scale of the solution you need. A business with high transaction volumes may benefit from a provider that offers lower transaction fees or tailored services to reduce costs.
  • Sales Channels: Consider where your transactions will occur—whether in a physical store, online, or on-the-go. Choose a provider that can support your sales channels, such as an integrated POS system for physical sales or a payment gateway for online transactions.
  • Additional Features: Evaluate whether your business needs any advanced features, such as recurring billing for subscription models, invoicing for service-based businesses, or loyalty programs for customer retention. The more versatile your payment solution, the better it will serve your business in the long term.

2. Evaluate Pricing Structure

The pricing structure of a merchant services provider can significantly affect your profitability, so evaluate all associated costs thoroughly.

  • Transaction Fees: Transaction fees are usually a combination of a percentage of the sale and a fixed fee per transaction. Make sure to assess whether the fee structure suits your average transaction size and volume to avoid paying too much.
  • Setup and Monthly Fees: Some providers charge setup fees to get you started, and there may be monthly fees for maintenance and ongoing service. Ensure you understand all the fees associated with starting and maintaining the service.
  • Cancellation Fees: Some providers impose cancellation fees if you terminate the contract early. Be aware of these fees, as they could limit your flexibility if you need to change providers later.
  • Other Costs: Besides transaction fees, there may be additional costs like gateway fees for processing online payments, statement fees, and fees for handling chargebacks. Ensure you have a clear picture of all the potential costs involved.

3. Consider Payment Security

Payment security is paramount to safeguarding your business and customers from fraud. Choose a provider that offers robust security measures.

  • PCI Compliance: Ensure that the provider is compliant with the Payment Card Industry Data Security Standard (PCI-DSS), a set of security standards that safeguard cardholder information. PCI compliance is required by law for businesses accepting card payments.
  • Fraud Prevention Tools: Look for fraud prevention tools, such as encryption, tokenization, and real-time fraud detection. These tools protect sensitive payment information and help detect suspicious activities before they escalate.
  • Chargeback Protection: Chargebacks can be costly, choose a provider that offers chargeback protection or management services to help resolve disputes and minimize their financial impact.

4. Evaluate Customer Support

Strong customer support is critical in case you face technical issues, billing questions, or other concerns. Evaluate the level of support each provider offers.

  • Availability: Choose a provider that offers customer support during your business hours or even 24/7, especially if your business operates beyond typical office hours.
  • Support Channels: Ensure that the provider offers multiple support channels, such as phone, email, or live chat. Having various ways to get in touch ensures that you can resolve issues quickly.
  • Reputation: Read customer reviews and testimonials. A reliable provider should have positive feedback for their customer support, responsiveness, and issue resolution.

5. Integration and Compatibility

The ability to integrate with existing business systems and software is vital to maintaining a seamless workflow.

  • POS Integration: If you have a physical store, choose a provider whose POS system integrates easily with your current setup. This integration will help you manage sales, inventory, and customer data more efficiently.
  • E-commerce Compatibility: For online businesses, ensure that the provider supports integration with your e-commerce platform, such as Shopify, WooCommerce, or BigCommerce. A smooth integration ensures that online payments are processed without disruptions. Look for online payment merchant services to keep things running smoothly.
  • Mobile Solutions: If you need to accept payments on the go, ensure that the provider offers mobile payment solutions that are compatible with smartphones and tablets. This is especially useful for businesses that operate in the field or at pop-up locations and are in need of business payment services.

6. Contract Terms and Flexibility

A provider’s contract terms can affect your ability to adapt as your business grows. Look for flexibility in the provider’s terms.

  • Length of Contract: Some providers offer long-term contracts, while others may provide month-to-month agreements. Consider your business’s stability and growth potential when deciding which contract type works best for you.
  • Trial Period: Some providers offer a trial period to test their services. This allows you to evaluate their offering and ensure it’s a good fit for your business before committing long-term.
  • Scalability: As your business grows, you may need more features or higher transaction volume limits. Choose a provider that can scale with your business to avoid having to switch providers later.

7. Check Reputation and Reviews

The reputation of a merchant services provider is a critical factor in ensuring long-term reliability and trustworthiness.

  • Reputation: Look for a provider with a solid reputation for reliability, transparency, and fair pricing. Check reviews from current or previous customers to assess their satisfaction levels.
  • Industry Recommendations: Seek recommendations from other businesses in your industry. They may have insights on which providers offer the best services and value for your specific needs.

8. Look for Additional Value-Added Services

Value-added services can provide extra benefits and help you optimize your business operations.

  • Reporting & Analytics: Look for providers that offer reporting tools and analytics to track sales, customer behavior, and performance metrics. These insights can help you make data-driven decisions to grow your business.
  • Mobile Payments: If you need flexibility in payment acceptance, choose a provider that offers mobile payment solutions. This allows you to accept payments while on the go, making it easier to reach customers in various environments.
  • Loyalty Programs: Some providers offer tools for creating and managing customer loyalty programs. These programs can help increase customer retention and provide incentives for repeat business.

9. Test Customer Experience

Testing the user experience can help you assess how easy it is to use and manage the merchant payment processing services provided.

  • Ease of Use: Choose a provider with an intuitive user interface, whether for in-store POS systems or online payment gateways. A simple and user-friendly experience can reduce training time and improve operational efficiency.
  • Setup Process: Evaluate how easy it is to set up the service. Some providers offer easy-to-follow setup guides or personal assistance during installation, while others may have a more complex setup process.

10. Compare Multiple Providers

Finally, don’t settle for the first provider you come across. Comparing several options will help you find the best fit for your business.

  • Compare Pricing and Features: Compare at least 3-5 providers based on their pricing structures, features, customer reviews, and reputation. This ensures you choose the provider that offers the best value for your business needs.
  • Evaluate Services and Support: Consider not just the price but also the level of customer support and services each provider offers. The right balance of cost, features, and customer service will provide long-term benefits for your business.

Methodology: How We Rate Merchant Services

Our editorial team evaluates merchant services through 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 merchant services across six categories, weighted based on their importance to business operations. Each service’s score is determined by a weighted average across these categories:

Overall Cost (30%)

We prioritize transparent pricing and affordability. Transaction fees typically range from 1.5% to 3.5%, and there are low to moderate monthly service fees, depending on the features and volume of transactions. The service is ideal for businesses looking for predictable costs with no hidden fees, ensuring clear budgeting for their payment processing needs.

Hardware and Software Options (25%)

We assess the variety and quality of hardware options such as card readers, terminals, and other peripherals that integrate with the merchant services. Their software solutions are user-friendly and integrate seamlessly with major e-commerce platforms, making them ideal for businesses of all sizes. Key features include POS apps, inventory management, fraud detection, and reporting tools.

System Capabilities (20%)

We focus on the service’s overall capabilities, such as supporting multiple payment methods (credit/debit cards, ACH, digital wallets, etc.), integrations with accounting and eCommerce platforms, mobile payment options, multi-currency support, and recurring billing capabilities.

Ease of Use (10%)

We evaluate how easy it is for both merchants and customers to use the services. Merchants can quickly get up and running without extensive training, and customers experience a seamless, user-friendly checkout process.

Customer Support (10%)

 We evaluate the availability of customer support channels (phone, email, live chat), response times, and the effectiveness of the solutions provided.

Contract Terms (5%)

We look at the flexibility of contract terms, including the availability of month-to-month agreements, cancellation policies, and the presence of free trials or money-back guarantees.

How We Define Our Ratings:

Exceptional merchant services that excel in every category. These systems are versatile, affordable, and well-suited for businesses of all sizes and industries.
Excellent services with strong features and competitive pricing, though they may lack flexibility in contract terms or have limited integrations.
Good services for specific business types but may have higher costs, limited features, or usability challenges
Services that fall short in several categories, offering fewer features or limited value 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 recommend businesses 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.
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