These services enable businesses to accept credit card payments in a variety of different ways including through payment terminals, online terminals, and through chip and PIN methods for increased security.
High risk payment processing gives businesses which have a danger of a higher level of risk for chargebacks or disputes a processing solution that helps them deal with those issues and reduce their liability.
Online credit card processing companies offer specialized methods for accepting and processing payments through an online terminal. Different strategies include a payment API or direct integration.
Mobile credit card processing companies give businesses more agility by providing them a way to accept payments while on-the-go. This can be through a mobile phone or through a dedicated mobile terminal.
Enterprise credit card processing services are tailored towards larger business and offer highly competitive processing rates for enterprise which meet the requirements in terms of number of payments or total amount.
Chargeback prevention services help businesses avoid the hassles and the damages associated with clients filing chargebacks. These firms assist businesses in high risk and tumultuous industries.
Merchant service providers assist merchants through financial services and payment processing to support them. We evaluate and rank MSPs based on their core services and how they assist their merchants.
Merchant cash advance services aim to provide merchants with financial assistance based on their current sales and offers the cash advance as a hold on part of the future sales that result from general business.
Small business loans aim to assist businesses in expanding or growing their inventory or providing them with the finances to acquire key hardware or software required for a new initiative or expansion.
Equipment leasing firms provide quality payment processing hardware for businesses looking to lease their equipment. This saves them up-front costs and ensures the hardware is time-tested and proven.
One of the biggest challenges for online merchants is fraud. Fraud detection services use algorithms and background checks to detect the chance of a payment being fraudulent to protect their merchants.
Gift & loyalty card services provide businesses with the ability to take payment for a gift card or offer rewards to their loyal customers. This works to increase buyer retention and to improve long-term sales revenue.
These merchant services focus on assisting retail companies in handling their payments and credit card transactions at retail locations. This includes enabling both transactions at the register and self-service.
ACH processing solutions give large businesses better processing rates when handling a large number of recurring transactions at a single given time. These MSPs work to offer competitive ACH rates.
Check processing companies assist businesses which receive check payments in deposit them within a timely manner. Check processing is convenient for rentals and monthly payment arrangements.
Multi-currency processing companies help businesses accept payments from buyers all around the world. This often requires both the accepting of the payment and converting that payment into the merchant’s currency.
Micro payment solutions help mobile app and online service developers accept payments which are generally less than the average transaction. They offer an alternative fee structure that works with smaller and more frequently payments.
These merchant service providers offer businesses the ability to deposit checks into their account without visiting a teller. This provides them with increased convenience and less time lost to making deposits.
ISO agent programs offer businesses the opportunity to serve their clients with various merchant services without having to invest the time and resources to build out their resources through a white label agreement.
Disaster recovery services aim to assist businesses in recovering from different types of disasters with financial assistance based on previous sales and future forecasting from the assistance provided.
PCI compliance services perform an in-depth analysis of a merchant’s payment processing in order to validate that merchant’s compliance with the wide range of rules and requirements for the PCI regulations.
EMV compliance services offer EMV-compliant payment processing and EMV analysis to ensure that a merchant accepting payments subject to EMV regulation follows all of the rules and requirements of the regulations.
Payment gateway solutions provide businesses with an online portal to accept and process payments. We analyze different payment gateway platforms to produce a list of exceptional merchant service providers.
Point of sale systems enable merchants to accept payments at their place of business. This often includes a wide variety of systems including those integrated with a register and those which are stand-alone units.
Credit Card Processing Specialists is a payment processor like no other. Our 24/7 support team and professionally managed services ensure the utmost value and security for our customers. We provide a variety of payment solutions to help businesses small and large offer their...
Our success is the result of keeping Bob’s promise. Helping businesses prosper through innovative solutions, advocacy and unmatched service is Heartland’s mission. Heartland created The Merchant Bill of Rights to promote fair credit, debit and prepaid card processing practi...
BankCard USA is a leading provider of end-to-end electronic payment products and services. We process all forms of electronic payment transactions - credit, debit, electronic check, electronic funds transfer and alternative payments. As a boutique provider, our customers con...
Maverick BankCard is a leading Merchant Services provider, with its headquarters in Los Angeles, California specializing in high-risk merchant services. With a focus in high-risk credit card processing and customized end-to-end payment solutions for your new or existing bus...
In the United States the payment climate for businesses is certainly widespread across a number of different methods for obtaining payment. For many businesses which deal with rentals, check payments are a common way to request payment from a client. Many retail shops and online businesses will either prefer to use a payment gateway or will accept a credit card directly from their buyers. Credit and debit cards have become widespread in daily use, but many large payments collected by consumers are generally handled by checks or through the acceptance of an ACH payment.
Based on our research, our team foresees an increasing portion of credit and debit charges as it becomes more convenient for consumers to use a card to make their purchases. Cash transactions will begin to incrementally shrink over the next 10 years, but will likely not be eliminated.
Online businesses in particular often provide their clients with a number of different ways to make their payments. For utility services, many suggest an ACH payment directly through their website or through a third-party. Online retailers accept payments either through an established payment gateway or through a credit or debit payment. Credit cards and debit cards are often the preferred method of payment for customers due to the ease of entering credit card details and the benefits enjoyed by consumers through protections offered by the terms of their credit card usage.
Based on our research, our team foresees a different movement from credit/debit and other transactions towards payment gateway processing. Many online businesses will look for the convenience found in trusting their payments to a payment gateway provider.
For many businesses looking to accept credit card payments from their customers it is customary to look for the best rate in order to maximize their revenues. As a result, it is common for businesses to "shop around" for a better rate. We have found that the providers which we rank are generally capable of achieving a more effective rate when compared to their competition. Processors offering a better rate are often able to do so due to their position as a leader within their industry and through other monetization strategies which are more friendly towards their merchants.
Our ranked payment processors are often companies that have the resources to offer a competitive rate compared to smaller payment processors unable to offer those same competitive rates. In additiion, these processors are able to offer less fees in other areas due to their ability to handle large volumes.
Online businesses often look for new ways to cut costs and reduce their overhead. Unfortunately, payment processing often comes with larger fees due to the increased costs towards payment processors to ensure that their payments are being properly secured over the Internet. However, online businesses still shop around just like retail and regional businesses.
The providers which have been awarded for their payment processing often have advantages in regards to their rates due to their ability to service a large number of transactions and their experience in preventing fraudulent charges when compared against a less experienced or less capable payment processor.
Our research team has spent time obtaining feedback from those which use payment processors both featured and eligible for our rankings. During this research, we allowed reviewers to associate their review with a rating from 1 to 5, 5 being the best result possible. In addition, time was spent analyzing how processors were reviewed in other platforms and locations in order to utilize as much information as possible.
Companies which were featured in our rankings often enjoyed a higher average in the reviews they receive from their customers. We believe a large part of this comes from the competitive processing rates and fees ranked providers offer and their ability to handle inquiries from their clients with a larger customer service team.
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