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
2013
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
2013
Web Design
2016
Web Design
2016
Payment processing, Specific high-risk industries: Adult entertainment, gaming, subscription services, tele marketing, and more.
1988
Payment processing, Specific high-risk industries: Adult entertainment, gaming, subscription services, tele marketing, and more.
1988
Payment Processing and Card Services
2021
Payment Processing and Card Services
2021
Payment Processing
2013
Payment Processing
2013
Specializes in high-risk payment processing, Serves high-risk industries, Industries may include:, Adult entertainment, Gambling, Online dating, Travel, E-commerce, Subscription services
1997
Specializes in high-risk payment processing, Serves high-risk industries, Industries may include:, Adult entertainment, Gambling, Online dating, Travel, E-commerce, Subscription services
1997
Payment processing solutions
2011
Payment processing solutions
2011
Lending and Financing
2000
Lending and Financing
2000
Financial Services
1991
Financial Services
1991
Payment processing, Examples of high-risk industries: E-commerce, adult entertainment, travel, gaming, and subscription services
1994
Payment processing, Examples of high-risk industries: E-commerce, adult entertainment, travel, gaming, and subscription services
1994
Restaurant Point of Sale, Serves High-risk industries: No
2002
Restaurant Point of Sale, Serves High-risk industries: No
2002
Financial services and banking technology, Serves High-risk industries: No
1976
Financial services and banking technology, Serves High-risk industries: No
1976
Payment processing and gateway services
1998
Payment processing and gateway services
1998
Payment processing solutions
2016
Payment processing solutions
2016
Payments and Merchant Services
2010
Payments and Merchant Services
2010
Payment processing solutions
1997
Payment processing solutions
1997
Payment processing for businesses, Focus on: Ethical and socially responsible businesses, including cannabis, adult, and nonprofit sectors
2007
Payment processing for businesses, Focus on: Ethical and socially responsible businesses, including cannabis, adult, and nonprofit sectors
2007
Payment processing and merchant services
2007
Payment processing and merchant services
2007
Payment processing services
2008
Payment processing services
2008
Payment processing, Specific high-risk sectors include: E-commerce, adult entertainment, travel, and subscription services.
2004
Payment processing, Specific high-risk sectors include: E-commerce, adult entertainment, travel, and subscription services.
2004
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.
Web Design Enterprise stands out for its expertise in creating visually stunning and highly functional websites tailored to diverse industries. Their focus on combining user-centric design, responsive layouts, and modern content management systems ensures each project meets the specific needs of their clients.
Electronic Merchant Systems (EMS) stands out for its comprehensive suite of services, offering tailored solutions for businesses of all sizes. From point-of-sale (POS) systems to e-commerce gateways, EMS covers a wide range of payment needs while emphasizing customer support. Its customizable payment options and advanced reporting tools make it ideal for businesses that value flexibility and insights into their financial performance.
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.
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.
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.
Punchey excels at delivering affordable yet feature-rich payment processing and point-of-sale (POS) solutions tailored to small and medium-sized businesses. Their comprehensive suite of tools, including mobile payments, loyalty programs, and customer relationship management (CRM) integrations, simplifies day-to-day operations while enhancing the customer experience. Punchey’s focus on providing seamless integrations with e-commerce platforms and third-party applications, combined with its transparent pricing model, makes it a practical choice for businesses looking to streamline payment workflows and foster customer loyalty.
LVRG Funding stands out for its dedication to offering accessible and personalized financing options tailored to small and medium-sized businesses. With solutions like merchant cash advances, business lines of credit, and working capital loans, LVRG provides a lifeline for companies that may not meet traditional lending criteria. Their streamlined approval process and network of financial partners enable quick access to funds, making them a top choice for businesses navigating cash flow challenges or seeking to capitalize on growth opportunities.
MBNCARD, Inc. stands out for its dual expertise in secure identification and payment processing, offering a blend of high-quality smart card solutions and robust payment technologies. With a focus on compliance and advanced security measures, MBNCARD caters to industries with stringent security requirements, such as government and healthcare.
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.
Restaurant Point of Sale (POS) is designed specifically for the food service industry, offering a comprehensive suite of tools to simplify restaurant operations. Its user-friendly interface supports order management, inventory tracking, employee scheduling, and customer engagement, helping restaurants streamline their workflows and improve efficiency. With features like table management, loyalty program integration, and delivery management solutions, Restaurant POS caters to the unique needs of both small establishments and multi-location chains.
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.
eWAY stands out as a trusted payment processor for online businesses. With a focus on secure, efficient transactions, eWAY provides seamless integration with e-commerce platforms and robust fraud detection tools, making it a solid choice for merchants seeking reliable and customizable payment processing solutions.
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.
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.
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.
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.
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.
Beacon Payments, LLC excels at providing tailored payment processing solutions for small to medium-sized businesses. By acting as an intermediary between merchants and payment processors, they offer a variety of services including credit card processing, POS systems, and mobile payment solutions. Their focus on compliance, security, and dedicated customer support makes them an attractive choice for businesses seeking flexibility and reliability in managing payments.
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.
Credit card processing is the process of making transactions with credit cards work. It involves many players, like the cardholder, the merchant, and banks. It also includes the merchant services provider.
When a customer buys something, the first thing the processor does is check if the card has enough money. After checking, the funds are moved from the customer's bank to the merchant's bank. This confirms the transaction is complete.
Credit card processing companies have key features for smooth payment transactions. These features help businesses improve customer experience and keep payments safe. The main features include quick transaction authorization and verification.
Credit card processors authenticate transactions, as they verify the cardholder's information, ensuring that the transaction is legitimate and that funds are available. This process helps prevent unauthorized transactions and ensures that businesses receive payment for their services.
Advanced encryption technologies are used to protect sensitive cardholder data during transmission. These measures ensure that personal and financial information remains secure and complies with industry standards like PCI DSS (Payment Card Industry Data Security Standard), safeguarding both businesses and customers from data breaches.
Credit card processors offer various tools to detect and prevent fraud, including real-time transaction monitoring, address verification systems (AVS), and secure customer authentication methods. These tools reduce the risk of fraudulent transactions and chargebacks, offering peace of mind to businesses and customers alike.
Credit card processors support a variety of payment methods, such as credit and debit cards, mobile wallets (like Apple Pay and Google Pay), and e-checks. Some processors even accept cryptocurrency payments, giving businesses more flexibility in how they accept payments and meet the preferences of different customers.
Credit card processors integrate seamlessly with physical POS systems, enabling businesses to accept in-person payments efficiently. This integration includes compatibility with terminals, card readers, and receipt printers, making the checkout process smoother for both customers and business owners.
For e-commerce businesses, credit card processors provide an online payment gateway that securely processes transactions made on websites or mobile apps. Features like 3D Secure and tokenization enhance the security of online transactions, helping businesses protect sensitive customer data.
Many credit card processors offer mobile payment solutions that allow businesses to accept payments on the go, using smartphones or tablets. Mobile POS systems or apps like Square and PayPal Here provide a convenient way to accept payments from anywhere, which is especially valuable for businesses that operate outside of traditional brick-and-mortar locations.
Credit card processors help businesses manage subscription-based services with the automation of recurring billing. This feature ensures that customers are billed on a regular basis, reducing administrative work and providing businesses with a reliable, recurring revenue stream.
Credit card processors assist businesses in managing chargebacks (when customers dispute a transaction) and offer dispute resolution tools and chargeback protection services. These features help businesses mitigate financial losses and navigate disputes effectively, minimizing the impact on their revenue.
Most credit card processors provide detailed reporting and analytics tools, which allow businesses to track sales, monitor transaction trends, and understand customer behavior. These insights can be used to optimize pricing strategies, marketing efforts, and overall business performance.
Support for mobile wallets like Apple Pay, Google Pay, and Samsung Pay, as well as contactless payments, has become a standard feature in many credit card processors. These options offer customers a faster, more convenient way to pay, which can enhance the overall shopping experience and drive customer loyalty.
Credit card processors that offer multi-currency support enable businesses to accept payments in various currencies, allowing them to expand their reach to international markets. This feature helps businesses cater to global customers and grow their international presence.
Some processors allow businesses to customize their online checkout process, providing a branded experience that aligns with the business’s design. Also, features like upselling, discounts, and personalized recommendations can be incorporated, enhancing the customer experience and boosting sales.
Tokenization replaces sensitive card details with a unique token, reducing the risk of data breaches. This technology ensures that real card data is never stored on the merchant’s system, improving security and protecting both businesses and customers from potential fraud.
With the increasing adoption of EMV (Europay, MasterCard, and Visa) chip cards, most credit card processors now support EMV technology for enhanced transaction security. This technology helps reduce card fraud, as it makes it more difficult for fraudsters to clone or counterfeit cards.
Many credit card processors offer mobile apps that help business owners manage payments, track transaction history, generate reports, and monitor sales from anywhere. These apps provide flexibility and convenience, enabling businesses to stay on top of their financials even when on the move.
Most credit card processors offer 24/7 customer service, helping businesses troubleshoot technical problems, answer questions, and ensure smooth payment processing, minimizing potential disruptions to operations.
To protect sensitive customer data, credit card processors ensure compliance with PCI DSS (Payment Card Industry Data Security Standards). This compliance reduces the risk of security breaches and protects both businesses and customers from potential data theft.
Reputable credit card processors provide transparent pricing models, detailing transaction fees, monthly fees, chargeback fees, and other applicable charges. Clear fee structures help businesses understand the total cost of payment processing and avoid unexpected or hidden costs.
Some credit card processors offer physical hardware, such as card readers and POS terminals, to help businesses set up secure and efficient payment acceptance systems. These devices ensure smooth transactions and enable businesses to accept a wide variety of payment methods securely.
Working with a good credit card processing company brings many benefits to businesses. Knowing these advantages can really help your sales grow and make things more efficient.
Credit card processing enables businesses to accept a wider range of payment methods, such as credit and debit cards, mobile wallets, and even cryptocurrency. This flexibility can attract more customers and open up new sales opportunities, especially in e-commerce. The ability to accept multiple payment options increases the likelihood of completing sales and boosts revenue potential.
Credit card payments are typically quicker than cash or check transactions, allowing for a faster checkout process both in-store and online. The speed of credit card processing reduces customer wait times, enhances the shopping experience, and leads to greater customer satisfaction, which can encourage repeat business.
With credit card processing, funds are typically deposited into a business's account faster—often within a few business days—compared to slower payment methods like checks or bank transfers. This rapid processing improves cash flow, providing businesses with quicker access to their earnings and enhancing financial stability.
Credit card processors employ advanced encryption, tokenization, and fraud detection tools to secure sensitive cardholder data. These measures reduce the risk of fraud and chargebacks, providing businesses and customers with a higher level of security and peace of mind when completing transactions.
Accepting credit cards makes it easier for customers to pay, eliminating the need to carry cash or write checks. Also, offering mobile wallets and contactless payment options provides further convenience, catering to modern consumer preferences for fast and easy transactions, especially in busy retail environments.
Many credit card processors offer international transaction support, allowing businesses to expand their customer base globally. With multi-currency capabilities, businesses can accept payments from customers around the world, opening new markets and increasing sales potential in international markets.
For businesses that offer subscription-based services, credit card processors enable recurring billing. This automation reduces administrative tasks, ensuring timely, reliable payment processing. It also helps businesses maintain a steady, predictable revenue stream, leading to greater financial stability.
Credit card processors offer detailed transaction records and reporting tools, making it easier for businesses to track sales and monitor trends. These features streamline accounting and financial reporting, saving time on tax preparation and helping businesses stay organized and compliant.
Offering various payment options—credit cards, mobile wallets, online payments—gives customers flexibility and contributes to a smoother, more enjoyable shopping experience. A hassle-free, convenient checkout process can improve customer satisfaction, increase loyalty, and drive repeat business.
Credit card processing reduces the need to handle cash and the risks associated with theft, mismanagement, as well as the security concerns of storing cash. This contributes to a safer, more efficient business operation.
Credit card processing companies often provide tailored solutions that meet specific business needs, whether for online stores, brick-and-mortar shops, or mobile businesses. Customizable options help streamline operations, improve customer engagement, and enhance the overall business experience.
Credit card processors ensure that businesses comply with industry standards, such as PCI DSS (Payment Card Industry Data Security Standard). This compliance protects customer data, reduces the risk of penalties for non-compliance, and strengthens business credibility.
Some credit card processors allow businesses to integrate loyalty or rewards programs, encouraging repeat business and enhancing customer retention. These programs can drive sales growth and foster long-term customer relationships, benefiting businesses in the competitive marketplace.
Mobile payment solutions provided by credit card processors allow businesses to accept payments via smartphones or tablets. This flexibility is particularly valuable for businesses operating in mobile or remote locations, ensuring they can process payments anywhere, at any time.
As businesses grow, credit card processing companies offer scalable solutions that accommodate increasing transaction volumes. With features like multi-location support and enterprise-level reporting, these processors allow businesses to scale efficiently, ensuring payment processing keeps pace with growth.
Many credit card processors offer round-the-clock customer service, ensuring that businesses can quickly resolve any issues related to payment processing. This continuous support helps minimize disruptions, enabling businesses to maintain operations without interruption.
Accepting credit card payments provides businesses with a competitive edge over those that only accept cash or checks. It signals professionalism, convenience, and modernity, creating a positive impression and improving the overall customer experience, which can result in increased customer trust and loyalty.
Choosing a processor for your business is a big decision. You must consider transaction fees, security, integration, and payment methods. Knowing these factors helps you find a provider that fits your business needs.
Compare the fees charged for each transaction, including the processing fee, monthly fees, setup fees, and any additional hidden costs. Choose a company that offers transparent pricing, ensuring you’re fully aware of all charges and can make an informed decision.
Make sure the company offers robust security measures, including strong encryption, compliance with the Payment Card Industry Data Security Standard (PCI DSS), and advanced fraud protection tools. These features safeguard customer information and help prevent data breaches.
The credit card processor should seamlessly integrate with your sales system, whether it’s a point-of-sale system or an e-commerce platform. Verify that the processor supports the tools you’re currently using to avoid any disruptions to your business operations.
Choose a processor that supports a wide range of payment methods. This includes credit and debit cards, digital wallets (such as Apple Pay), and international payments if needed. Flexibility in payment methods can enhance the customer experience and broaden your market.
Check if the processor offers 24/7 support, and review customer feedback regarding their responsiveness and effectiveness. Efficient customer service can ensure smooth operations and resolve problems promptly.
Carefully review the terms and conditions of the contract, paying attention to the contract length, cancellation fees, and renewal terms. It’s advisable to avoid long-term commitments without the option for flexibility, as business needs can change over time.
Check customer reviews, complaints, and industry ratings. A solid track record of reliability and customer satisfaction is vital for ensuring you’re working with a reputable company that delivers on its promises.
If your business requires processing payments on the go or online, make sure the company provides mobile payment options and an easy-to-use online payment gateway. This allows you to cater to customers wherever they are, improving convenience and sales opportunities.
Select a processor that offers chargeback prevention and resolution services. Effective chargeback management can reduce the risk of fraud, minimize lost revenue, and ensure smooth transaction processing without costly disputes.
Look for credit card processors that offer comprehensive reporting and analytics tools. These features help you track sales trends, analyze performance, and optimize your payment strategy, ultimately leading to better decision-making and business growth.
Technology keeps getting better, and so do payment trends. Knowing these trends helps you meet your business's payment needs better.
With the rise of mobile wallets and tap-to-pay cards, contactless payments have become more popular. Businesses are increasingly adopting NFC (Near Field Communication) technology to offer quick and secure transactions without the need for physical contact.
Mobile payment systems like Apple Pay, Google Pay, and Samsung Pay are growing in popularity. Credit card processors are integrating these solutions to cater to the increasing demand for mobile payments, allowing customers to pay directly through their smartphones.
Virtual credit card processing allows businesses and consumers to create temporary, one-time-use card numbers for online purchases. This technology reduces the risk of fraud and identity theft. Virtual cards are increasingly being used for business-to-business (B2B) payments, as well as by consumers for safer online transactions.
Some credit card processing companies are beginning to support cryptocurrency transactions. As digital currencies like Bitcoin and Ethereum gain acceptance in retail and e-commerce, businesses are exploring the potential to accept cryptocurrencies. This integration allows businesses to cater to a broader audience, particularly those in the crypto community.
Artificial Intelligence (AI) and machine learning are being utilized to detect and prevent fraud. These technologies analyze patterns in real-time transactions, identify unusual behavior, and block potential fraud before it happens. This enhances security and reduces the risk of financial losses for both businesses and customers.
Tokenization replaces sensitive credit card data with unique identifiers (tokens) to prevent fraud and data breaches. As security concerns rise, credit card processors are increasingly adopting tokenization to provide an extra layer of protection, ensuring that card information is never exposed or stored in vulnerable locations.
Businesses are seeking seamless integration between in-store, online, and mobile payment options. Credit card processors are evolving to provide omnichannel solutions that ensure customers can pay however they prefer, while businesses maintain centralized reporting and management. This flexibility helps businesses create a smooth and unified customer experience across all platforms.
With the growing popularity of subscription services, credit card processors are adapting to support recurring billing and subscription-based payments. These flexible solutions help businesses manage ongoing payments and improve customer retention, offering a more predictable revenue stream.
EMV (Europay, MasterCard, and Visa) chip technology continues to be the standard for secure credit card transactions. As businesses increasingly adopt EMV-compliant solutions, they reduce the risk of fraud and ensure that cardholder data is protected.
The BNPL model, which allows customers to break payments into installments, is becoming more popular. Credit card processors are integrating BNPL solutions to allow businesses to offer this flexible payment option, making it easier for customers to manage their finances while increasing sales for businesses.
Cloud-based platforms are gaining traction because they offer scalability, flexibility, and ease of integration with other business tools. Cloud payment solutions also reduce the need for on-site hardware, making them a cost-effective option for businesses of all sizes. This approach helps businesses streamline operations and improve customer satisfaction.
As data protection and security regulations tighten globally, credit card processors are adapting to ensure compliance with regulations like the EU's Payment Services Directive 2 (PSD2) and the General Data Protection Regulation (GDPR). These regulations impact how transactions are processed and how customer data is handled, requiring businesses to implement secure, compliant payment systems.
Processors charge fees that can be between 1.5% and 3.5% of each transaction. These fees change based on the card type and how you take payments.
For example, American Express fees are between 2.3% and 3.5%. Visa fees are from 1.4% to 2.5%. Knowing these fees helps you plan your budget better.
There are also extra costs like setup fees and hidden charges. For example, Square charges 2.6% plus 10 cents for in-person payments. Online payments cost 2.9% plus 30 cents. Understanding these fees helps you negotiate better with your processor.
There are different pricing models for credit card processing. Companies like Helcim use interchange-plus pricing. This model can offer lower rates for high transaction volumes. So, it's worth the time to learn about these models to save money.
Our editorial team evaluates credit card processing companies through an in-depth analysis of features, pricing, and usability. We collect data directly from company websites, product documentation, and user reviews. Additionally, we speak with company representatives and test product demos when available. This ensures a hands-on understanding of their offerings. Our methodology guarantees ratings that reflect the practical needs of businesses across industries.
We assess credit card 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:
Includes transaction fees, monthly service fees, hardware costs, and any additional charges. Transparent pricing and affordability are prioritized.
We evaluate the availability and quality of terminals, mobile readers, and compatibility with third-party software like POS systems and e-commerce platforms.
We assess features like payment flexibility (credit cards, ACH, mobile payments), fraud prevention tools, and reporting functionalities.
We analyze user interface design, onboarding processes, and the ease of integrating with existing systems.
We review support options, response times, and the quality of assistance provided to users.
We rate the flexibility in contract terms, focusing on month-to-month options, cancellation policies, and trial periods.
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.