The Best Rated Merchant Account Providers

It is essential that your business process credit cards. There are many options including telephone dial in and portable swipe readers that you can use to process cards. When you need merchant services, you have to review all of your options.

Merchant providers are not alike and the fees that they charge to provide you with credit processing services vary widely from one company to another. One of the biggest and most flexible fees is that of interchange and pass -through charges. You need to review the services and fees from several processors before making a decision as to who to use.

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If you are shopping for a merchant account for the first time, you need to be especially careful to find out who charges the best rates. These rates can be complex and confusing. Always read reviews of the top merchant service processors to help make a faster and more educated choice. Whether you’re a tree service company or a medical facility, there’s different needs depending on the type of business.

You want to select a processor that handles your type of business on a regular basis. If you partake in something called a high-risk business, you should look for processors that specialize in your kind of processing. Not every merchant service will take on high-risk businesses. These include collection agencies, gambling businesses, and offshore companies among others.

If you are not a high-risk company you have many options but recent reviews show that there are a few companies that stand out above the rest. Helcim is one company that get high ratings because of its clear fee structure and its excellent customer service. There are no set up fees and you do not get penalized for early termination. Payment Depot is one of the best and first to offer a flat membership fee which saves merchants on a myriad of other, difficult to decipher fees.

Questions to Ask a Credit Card Processing Company

Most businesses today definitely need to accept credit card payments from their clients. So, you will have to find a trustworthy credit card processing company that will manage transactions between you and your customers effectively. A lot of credit card processing solutions are available at the moment. This means that it can be difficult for you to choose the best credit card processing company. Obviously, you need to study the company carefully prior to start using its services. Here, we want to provide you with questions that you should ask a payment processor.

Does a Credit Card Processor Require Its Clients to Pay Any Cancellation Fees?

Some payment processors require their clients to pay a fee for cancelling its services. So, if you decide to leave a credit card processing company before the contract expires then you will need to pay for cancelling its services. Some companies require their customers to pay $200 – $400 fee. Obviously, it is better for you to avoid such payment processors. We work with a limousine company (Bloomington Limo) that requires such a cancellation fee, because their clients tend to cancel service which was costing them money.

Is It Easy to Implement a Solution into Your Online Shopping Cart?

Before to start dealing with a credit card processing company you need to ensure that its software can be implemented into the shopping cart of your online store easily. Keep in mind that company’s software may not work with your online shopping cart properly. So, you should test the software of the credit card processing company in advance.

How Much Should You Pay for Each Transaction? Continue reading Questions to Ask a Credit Card Processing Company

Review of the Best Credit Card Processors

Do you own a small business? If so, you will need to accept credit card payments from your customers since many clients will want to pay for your services using credit cards. If you don’t accept credit cards your business WILL lose potential clients, sales and revenue.

Already decided to accept credit card payments from your clients? Good call. The next important step that you need to take is to choose a reliable credit card processor. Due to the fact that a lot of payment processors are available today, it can be difficult for you to choose the best one. Companies offer different ways of accepting credit card payments from their clients which can be confusing.

Your main goal is to find the best credit card processing company that will become a reliable partner for your business. Today, we will review the best-rated credit card processors available today.

A client of mine that runs a successful limousine and taxi company in the Twin Cities needed a solution on running credit cards while out on the road inside his limos. His taxi service and limos would drop people off and then square up for the final bill. To him, having a mobile solution was critical, though every company has different needs.

Let’s take a look:

Flagship Merchant Services

Flagship Merchant Services offers numerous credit card processing solutions to its customers. This means that business owners can accept both online and mobile credit card payments. Business owners can also use more advanced solutions such as iPad POS (point-of-sale) system. The company provides its clients with 24/7 customer support, easy application process, low service fees and many other important competitive advantages.


Stripe is an effective credit-card-processing solution – the system is easy to use, so it can be quickly implemented into the shopping cart of your online store. The company provides its customers with numerous features and customization options. Transparent pricing policy is another important competitive advantage of the company. This way, if you deal with Stripe you will know exactly how much you have to pay for the company’s services.


Possibly the most recognizable, PayPal offers credit card processing solutions for online businesses of different types. The company offers its credit card processing services at a relatively low price. This means that PayPal is a great choice for small sized businesses with low-volume sales and startups. Additionally, customers are provided with the following advantages: a complete POS system, a rewards business MasterCard program and 24/7 customer support.


Square allows business card owners to accept credit cards in a quick and effective way. All that you need to do is to open an online account, download the application and attach a credit card reader to your smartphone or tablet. That’s all. Square offers solutions for businesses of different types.

There are many options out there, but these four consistently rate as favorable and recommended.

Tips on How to Accept Credit Card Payments

If you’re starting a new business, you will definitely need to decide how to accept credit card payments from your customers. The most important task of business owners is to find the best way of connecting the credit cards of their clients to their bank accounts. Obviously, entrepreneurs have to find a convenient and cost-effective solution for their business needs. Today, we are going to discuss the main methods of accepting credit card payments from their customers. We will describe each method in detail and will tell how it works. As a result, you will hopefully be empowered to know which method is the best solution for your needs.

Credit Card Terminals

A credit card is a terminal that allows business owners to get money from the credit cards of their clients. A credit card terminal can be used for accepting credit card payments in person. You can also use the device to get credit card payments for phone and online orders. In order to use a credit card terminal for your business you will need to have a merchant account.

Mobile Credit Card Processors

Would you like to get payments from people who use mobile devices? If so, you will need to use a mobile credit card processor. You don’t need to have a merchant account to use a mobile credit card processor. However, a credit card reader will be required. It will be attached to your mobile phone.

Online Payment Processors

Do you have an online business that sells products or services online? Does your business conduct a fair amount of transactions online? Then you will certainly need to implement an effective e-commerce solution into your online store. The modern shopping card software will allow you to accept payments from clients on your online resource. You will need a merchant account to use shopping card software on your e-commerce site. However, if an e-commerce site is hosted by a third party then you will not need to have a merchant account.

Point-of-sale Systems

POS system is a complete checkout terminal. Point-of-sale systems are often used for credit card processing purposes by such businesses bars, restaurants, beauty salons and retail stores. The point-of-sale system allows business owners to scan, checkout and process the payments of their clients in an easy, quick and effective way. So, if you have a POS system then you will be able to accept credit cards, receive cash payments and print receipts.

How to Select the Right Merchant Account

Do you have an online store? Do you sell products or services online? It’s important that you find a reliable merchant account to accept credit card payments from your customers. No doubt, you need to choose the right merchant account that will provide the best solution for your credit card processing needs. However, choosing a merchant account provider is not easy – especially if you have never done this before. Here, we want to provide you with useful information that will help you make the right decision.

Select Merchant Account Providers That Have Been in Business for Many Years

If a company has been providing credit card processing services for many years then it certainly has the experience to give you confidence. Don’t deal with newcomers – even if they offer great deals. Choose credit card payment processors that have a proven track record.

Deal with a Reliable Credit Card Processing Company

You should deal with a merchant account provider that has established a good reputation on the market. Don’t start working with a credit card processing company if you haven’t checked its Better Business Bureau report. You should analyze customer reviews of the company that you are going to deal with. If a company has a lot of complaints then you should definitely stay away of its services. Look for another merchant account provider!

Reliable Merchant Account Providers That Offer 100% Money Back Guarantee

It is a good idea to deal with a credit card processing company that provides its clients with a 100% money back guarantee. That way, you will have an opportunity to test company’s services. If you are not satisfied with a merchant account provider for any reason you will be able to request a refund and get your money back.

Merchant Account Providers That Offer 24/7 Customer Support

Give a preference to credit card processing companies which support their customers 24 hours a day and 7 days a week. This means that you will be able to ask the company support specialists for help anytime if any issues occur. It will be especially convenient for you to resolve problems with a merchant account provider via live chat or phone customer support.

Get Familiar with Pricing Policy

It is very important for you to avoid being overcharged. That’s why you need to get familiar with the merchant account provider’s pricing policy in advance. Learn what fees you will need to pay for credit card processing services. Ask and make sure that a company doesn’t have any hidden fees.