Researching the Best Credit Card Processors

In order to process credit cards for your business activities, you will need to apply for a merchant account with a credit card processing company. There are generally strict requirements in place that businesses will need to meet in order to be approved for this type of account, but the requirements vary from provider to provider. More than that, the fees and the quality of service can vary based on the company that you choose to work with. Therefore, researching the best credit card processors with the most advantageous fee structure in place is an important step to take if you want to accept credit cards as a form of payment.

Account Services That Meet Your Needs

Before you begin comparing fee structures for different merchant accounts, it is necessary to find the companies that offer the services that you truly need. Some are designed for online merchants, and others may provide you with credit card processing terminals for you to use in brick and mortar venues. In addition to this important difference, the speed in which payments are processed and deposited into your account, online services like invoicing and more are also important to consider. It is wise to compare all of the options to eliminate the service providers that do not meet your needs initially.

Requirements and Fees

After you have eliminated the providers that do not meet your needs, you can delve further into the requirements and fee structures each has. Some, for example, may require you to be an established business with a solid credit rating, but others may be agreeable to working with a start-up business. Some may have a flat per-transaction fee, and others may have a fee structure that is calculated as a percentage of the sales price. Each of these factors may make some types of merchant accounts more feasible and beneficial for you than others.

The company that you choose to work with as your processor for credit card transactions will play a critical role in how you serve your customers, how quickly you receive payments and even in how profitable your company is. Because of this, it is imperative that you spend time researching each of the processing companies available. There is not a single type of merchant account that is a best fit for all situations, so focus on your business’s needs to make a decision that is right for you.



It took me a while to decide who I wanted to settle with to handle all of my credit card transactions because every company wants to make it sound like they're offering you the best rates. was able compare and beat all of the other offers I received. They were also able to provide me the fairest price on my EMV-compliant terminal. My sales representative and the support team were there to assist every step of the way. Ultimately, I'm looking forward to a long term relationship with this company.

Roland Tran from the Hong Kong Kitchen

It is a pleasure dealing with these folks. Their pricing is fair, their statements are understandable and their employees are knowledgeable and friendly.

John MacMillian from the Great Lakes Baking Company

The service was very professional, my sales person (Steven B.) was very well versed in the product and most helpful in getting our company set up to accept credit cards via my cell phone. Their rates are some of the lowest on the market and their service is unparalleled. I will recommend them to anyone requiring a credit card processing service.

Michael Harper from Deluxe Auto Body

Jonathan C. is wonderful to work with. He is very helpful, accommodating and resolves any issue quickly. It is hard these days to find someone who gives great customer service, but I can say, Jonathan is the best! I would not hesitate to recommend him to any business owner and to assist you in helping to grow your business.

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I called indecisive about getting a device, but speaking to your Sales Consultant completely settled me. He was very professional, knowledgeable and patiently walked me through the process. He always responded to my voicemails and answered all my questions. After I received my merchandise, he called following up to ensure that I had received it. Customer service I would say is 5 stars. Stellar! Thanks Credit Card Processing, I will definitely recommend you.

Sarah Morgan from Vision International Ministries
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