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Trending Benchmark Reports

Most Popular Agencies

  • Credit Card Processing Specialists

    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...

    Core Services:
    • Credit Card Processing
    • Payment Gateway
    • Point of Sale Systems
    View Profile
  • Heartland Payment Systems, Inc.

    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 pra...

    Core Services:
    • Check Processing
    • Credit Card Processing
    • Online Credit Card Processing
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  • BankCard USA

    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 custome...

    Core Services:
    • Payment Gateway
    • Credit Card Processing
    • Enterprise Credit Card Processing
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  • Maverick BankCard, Inc.

    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 busi...

    Core Services:
    • Credit Card Processing
    • Online Credit Card Processing
    • Merchant Cash Advance
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Agencies With Most Reviews

  • Aliant Payment Sy..
    4.52
    out of 5.0 | 84 reviews
    • Communication

      4.6

    • Responsiveness

      4.6

    • Quality of Service

      4.5

    • Value for Money

      4.4

    • Achieved Results

      4.5

    view profile
  • HighRisk Gateways
    4.82
    out of 5.0 | 32 reviews
    • Communication

      4.9

    • Responsiveness

      4.8

    • Quality of Service

      4.8

    • Value for Money

      4.8

    • Achieved Results

      4.8

    view profile
  • Secure Bancard LL..
    3.4
    out of 5.0 | 5 reviews
    • Communication

      3.4

    • Responsiveness

      3.4

    • Quality of Service

      3.4

    • Value for Money

      3.4

    • Achieved Results

      3.4

    view profile
  • Chetu
    4.6
    out of 5.0 | 5 reviews
    • Communication

      4.8

    • Responsiveness

      4.4

    • Quality of Service

      4.6

    • Value for Money

      4.6

    • Achieved Results

      4.6

    view profile

Payment Industry

Expectations & Projections
Distribution of Payments Received by All Businesses

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.

Distribution of Payments Received by Online Businesses

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.

Retail Average Cost for Financial Services

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 Average Cost for Financial Services

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.

Average Customer Rating From Multiple Review Sources

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.

Conferences & Events

View our resources to learn more about merchant services.

Job Evaluation and Gra...

November 27, 2018 to November 28, 2018
Budapest, Hungary

Next Generation Perfor...

November 29, 2018 to November 30, 2018
Budapest, Hungary

Securing Digital ID 20...

December 4, 2018 to December 5, 2018
Washington DC

Payments Summit 2019

March 11, 2019 to March 14, 2019
Phoenix, AZ

Money 2020 Asia 2019

March 19, 2019 to March 21, 2019
Singapore, Singapore

TRANSACT 2019

March 30, 2019 to May 2, 2019
Las Vegas, NV

Blog

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Comprehensive Methodology & Analysis

Choose those which consistently meet the needs of their merchants.
Our rankings consist of payment processors which consistently provide efficient processing solutions for merchants looking for competitive rates and quality service. We take a multiple phase approach to researching and comparing the best payment processors based on how they assist merchants in accepting payments for the products and services they provide.

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