General Questions

Who is topcreditcardprocessors.com and what is the main mission?

In 2009, we began ranking credit card processing companies in the United States. Since then, we have expanded our coverage in ranking the best merchant services across over ten countries spanning 30 categories. The website currently has over 30,000 merchant service providers in its directory and we continue on our mission to research and find the best merchant service providers to help merchants.

Who uses topcreditcardprocessors.com?

Our website is accessed by merchants looking to get the best rate for their payment processor or for exceptional services to help them grow their business. Web users around the world access the website to find which merchant service providers give their merchants a competitive edge.

How does topcreditcardprocessors.com benefit its visitors?

Merchants benefit from our ten years of research. We identify and rank the best merchant services and understand how to filter out vendors that do not live up to the expectations. Our recommendations save merchants time by guiding them to top performers that have a track record of meeting the expectations of their customers. Exceptional providers featured in the list benefit from exposure and an opportunity to reach merchants looking for their services.

Are these companies really the best companies out there?

Due to the nature of our service, there are a number of vendors which offer effective merchants services which may not be featured in our rankings. Our rankings consist of the vendors which we have found to achieve results on a consistent basis. As our listings can only contain a limited number of vendors, we have opted to display the best based on our internal processes for research and analysis. There certainly is a train of thought that would indicate that no single company fits requirements. These companies simply meet their objectives, in our opinion, consistently and thus are ranked as the best in our rankings. We certainly urge merchants to perform their own research in order to determine which vendor is the best fit for their business needs, but to utilize topcreditcardprocessors.com as a resource for their own research.

Are there companies that provide great services or products that may not be listed on your website?

In some cases there may be vendors which we have not been introduced to which may provide admirable merchant services or products. We currently rank merchant services in over ten countries based on the information made available to us by vendors and through general research in the merchant services industry. While we certainly take time to research new companies, the merchant services industry is constantly changing as new companies enter the industry in order to compete in a highly competitive industry. Merchant service providers that believe they offer exceptional value making them worthy of being featured are welcome to introduce themselves to us.

What makes topcreditcardprocessors.com independent?

We use our SmartRank algorithm to create our lists of recommended merchant services and products. Learn more about how our SmartRank algorithm works here.

Is topcreditcardprocessors.com free?

Merchants looking for merchant services can use our recommendations free of charge. We do not charge anyone for access to view our rankings.

topcreditcardprocessors.com SmartRank™ Rankings Methodology

How are the rankings of the best companies computed?

Our transparent SmartRank™ technology enables us to use an algorithm to determine which merchant services are the best. The SmartRank™ algorithm uses multiple data sources and multiple points of comparison to propose which merchant services or products have shown consistent top-level performance across the board.

What is the SmartRank™ evaluation methodology?

The algorithm bases each company’s placement within the rankings on the combination of different facts including how a company is reviewed online by merchants, sentiment analysis conducted based on how they are referred to online, information gathered through third-party information brokers, and our own research.

What are all the factors of the SmartRank™ methodology?

The SmartRank™ algorithm uses a large number of factors to determine placement within the rankings.

Review Factors

Number of Reviews: The total number of both text and video reviews. Vendors with a greater number of total reviews with fare better.

Average Rating: The average rating of the reviews a vendor receives. Vendors with a greater average will fare better.

Reviewer Quality: An analysis is conducted on who the reviewer is. Reviews by employees or executives at well known companies are given more weight by the algorithm.

Insight: Vendors with reviews that elaborate more on the experience will fare better.

Relevance: The relevance of the review to the topic of sharing their experience with the vendor will get more weight.

Type of Review: The type of review and the balance of text versus video reviews is taken into consideration. merchants should be able to read reviews while also having the option to watch video reviews.

Age of Reviews: Newer reviews are given more weight as the value of an opinion decreases over time. Vendors often change processes and can improve or deteriorate over time. Vendors with more recent reviews will fare better.

Time-Related / Numerical Information: Reviews are given more weight when they provide information about time or statistics.

Category-Relevant Language: Reviews are given more weight when they provide information about time or statistics.

Organic Reviews: Reviews that have not been incentivized are given more weight in the algorithm.

Reviewer Contributions: More weight is placed on reviews written by recurring reviewers that have made additional contributions to the website.

Emotional Language: Less weight is placed on reviews that were emotionally influenced as reviews that use less emotion are looking at the service from a logical perspective.

Duplicate / Similar Reviews: The algorithm takes into consideration whether the review is unique or seems to be a copy of another review.

Sentimental Factors

Website Metrics: Third-party tools are used to determine the quality and quantity of links to the vendor’s website. Vendors with a more established presence online will fare better.

Brand Metrics: The algorithm looks to how the brand is represented and referred to online. Vendors with a stronger and more positive brand reception will fare better.

Engagement Factors

Profile Engagement: Vendors which answer questions on their profile will fare better.

Review Engagement: Vendors which respond to and interact with reviewers will fare better.

Contributor Program: Vendors which have contributed to the topcreditcardprocessors.com blog will fare better.

Self-Prescribed FAQs: Vendors which have created their self-prescribed questions based on what they are commonly asked will fare better.

Quarterly Profile Updates: Vendors which login and update their profile on at least a quarterly basis will fare better.

Negative Reviews Resolved: Vendors which work with negative reviews to resolve the issues they have with the product or service will fare better.

Profile Factors

Key Facts: Vendors which have submitted all of the necessary key facts for their profile will fare better.

Claimed Profile: Vendors which have claimed their profile will fare better.

Review Requirement: Vendors get an additional benefit in the algorithm if they have received at least three written and two video reviews.

Additionally there are factors that could negatively influence a vendor in our algorithm.

No Reviews: Vendors that have no reviews at all will be penalized in the algorithm.

Platform Abuse: Vendors that have been found to be exploiting the algorithm may be temporarily or permanently penalized in the algorithm.

Fake Reviews: Vendors that have been found leaving fake reviews either positively or negatively will be penalized.

How transparent is this methodology?

Our SmartRank™ algorithm is published on our website. Both merchants and sellers can see the factors that influence how companies are weighted in the rankings. This provides an even playing field for all merchant services and also provides merchants with clear insight into why one merchant service provider might be recommended while another is not.

User Reviews

Who can I review on topcreditcardprocessors.com?

Users can review any vendor they have either used or any vendor they have worked for in the past. We allow for both employee and customer reviews.

How can I leave a review on a company?

You can search for the company you wish to review here.

How does topcreditcardprocessors.com check the authenticity of the reviewer?

When leaving a review each user is required to authenticate through LinkedIn. In addition to LinkedIn’s own authentication processes, each review that is written or recorded is filtered further through an algorithm to identify the possibility of the review being written either by the company being reviewed or a competitor.

If I have a bad experience can I say something negative?

Of course. If your experience with a merchant service provider has been negative, you can leave a negative review. We ask that you provide details about what was specifically negative about the experience to help the vendor improve. Vendors are also encouraged to response to reviews or work out issues that their merchants have had.

Can I update my review after posting it?

At this time we do not provide reviewers the opportunity to update their review directly. You can request the removal of a review here. We do not remove reviews except in circumstances where the removal of a review is a benefit to merchants. We do not acknowledge or respond to requests for the removal of a review.

I am having trouble leaving the review, what can I do?
Are reviews posted in a particular order?

By default we display the most recent reviews received in addition to the most help and most critical reviews. Users can filter the reviews by rating, the year they were received, or the type of review. Additionally, users can change out the reviews are sorted by either the most recent, highest reviews first, or lowest reviews first.

How can I share my review on social platforms like Facebook or Twitter?

If you would like to share the specific review simply click on the title of that review to be directed to its unique page and URL. Copy the URL from your address bar and paste it in the social media post.

Do reviews ever get removed?

From time to time we remove reviews that are written on false pretenses or are proven to be malicious in intent. It’s not uncommon for merchant services to write reviews for their own company or for competitors to obtain a competitive edge. We analyze different trends on how different vendors attempt to do this and may retroactively remove reviews if we find a pattern.

Do business owners have a voice on topcreditcardprocessors.com?

Of course. On each company profile merchant services are able to respond to the reviews they receive. They are also able to answer questions on their profile and offer some frequently asked questions to help merchants.

Business Listing Information / Company Profile

How do I create a company profile for my company?

To have a profile on topcreditcardprocessors.com you must first register. To begin the registration process, click on the “Register” link at the top right of the screen. You will be asked for information about your company during this process.

How much does it cost to create a company profile page?

Having a profile on topcreditcardprocessors.com and being included in our directory is free. To learn about marketing opportunities including an enhanced profile with additional promotional benefits, click here.

What are the different elements that can be included on the profile page?

We provide companies on topcreditcardprocessors.com the ability to include key facts about their company, their logo, a description for the company, and the URL to their website. Companies can also upload common questions and invite their customers to leave reviews.

Do you have any specific tips to keep in mind when creating a company profile page?

We recommend being as honest as possible. When adding information to your profile, it should be factual and accurate as of the time you’re updating your profile. Also disclose what sets your company apart from others in your industry.

How do I update my company profile page?

Companies that have registered on topcreditcardprocessors.com can log in using the credentials they set when registering. Those credentials can be reset at any time from the log-in page by requesting a new password. It will be delivered to the email address that was used during the registration profile.

Alternative, companies can also claim their profile using an email address at the same domain as their posted website.

In other cases where this cannot be achieved, a representative of the company can contact the support team for assistance. Additional verification may be required.

How will potential customers find my business profile on topcreditcardprocessors.com?

Most commonly potential customers find merchant services through our rankings. From our rankings the users can access the vendor’s website directly to contact them.

Additionally, registered merchant services are included in our directory by default. Users looking through the directory can access the company profile and can be directed to the vendor’s website through this method.

What is an enhanced profile? What are the benefits attached to it?

Enhanced profiles have the ability to upload additional information about their company in the form of whitepapers, webinars, infographics, videos, case studies, and their certifications & accreditations. Those interested in upgrading to an enhanced profile can learn more here.

How can I have my company included in the rankings on topcreditcardprocessors.com?
How can I request my business profile page to be removed?

You can contact our support team from an email address located on the same domain included in the profile page.

Winner Seals

How do I earn badges?

The winner seal is included in your member area after logging in if you are one of the vendors included in our rankings.

Where can I see all of the badges that I have earned?

After logging in, you can access your badges by selecting “Badge & Seals” under “Resources” in the navigation menu.

Sponsorship and Advertising

What are the sponsorship opportunities for companies highlighted on topcreditcardprocessors.com?

We offer different promotional tools for recommended merchant services to make use of. This includes being able to include their retargeting code on their profile to build their advertising audience, the ability to submit a professional article to the topcreditcardprocessors.com blog, and have a press release submitted highlighting their achievement in the industry.

What's the different between a free membership and a sponsorship?

Sponsored merchant services have access to different promotional features as mentioned previously in addition to an enhanced profile. Enhanced profiles have new elements to add to their profile including case studies, webinars, and adding a video to their profile.

How do I sign up for a paid sponsorship?

To sign up, you can log in to your profile and choose the upgrade option. Alternative, if you do not already have a company profile, you can register your company by clicking on “Register” at the top right of the page and sign up for a paid sponsorship during the registration process.

Contact Information

If I have additional questions, how do I contact you?

Email Our Experts

Our team would love to communicate with you and generally responds within 24 hours.

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