topcreditcardprocessors video evaluation
Our Selection Process For
Best Electronic Check Processing Services

Last updated: November 1, 2017

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Best

Top 30 Check Processing Companies

Best Electronic Check Processing Services - November 2017

UPWARD
TREND
DOWNWARD
TREND
NO
CHANGE
 
 

Rank

Company Name

Year
Founded

Revenue

Fulltime
Employees

Active
Clients

Client
Retention
Rate

Pricing

Major Clients

Other Core
Services

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Overall Score

0
100
 
G
VG
E
 

Change in Rank

Leaders

1

National Processing

Lindon, UT

Wayne Hamilton
800-720-3323
More info

Visit Website

2007

$5 million - $10 million

50+

5,000+

98%

L

Volcom, True Value, Big O Tires, Malouf Sleep

Retail Processing, Automated Clearing House (ACH) Software, Credit Card Processing

 

100

 

100

 

100

 

100

 

100

100%

NC

 

2

Credit Card Processing Specialists

Grandville, Michigan

Mike Konig
877-554-5853
More info

Visit Website

2010

$250,000 - $1 million

30

1,000+

98%

M

Main Street Technologies, Advance Auto Parts, South Central Pallets, Discovery Network, Ace Hardware

Credit Card Processing, Payment Gateway, Point of Sale Systems, High Risk Processing

 

99

 

100

 

100

 

99

 

100

99.6%

NC

 

3

BankCard USA

Agoura Hills, California

Shawn Skelton
800-735-4171
More info

Visit Website

1998

$1 million - $3 million

332

20,000+

96%

L

Coastal Dermatology, Supertone Hearing, Lunaria Music

Payment Gateway, Credit Card Processing, Enterprise Credit Card Processing, Point of Sale Systems

 

100

 

98

 

99

 

100

 

99

99.2%

NC

 
Strong Performers

4

Piracle

Salt Lake, Utah

John Bechard
801-322-5222
More info

Visit Website

1991

$3 million - $5 million

27

53

89%

L

KC Companies, Woodbine Development Corp., Caiman Energy, R&O Construction, SLC Kustoms

Portfolio Sales, Credit Card Processing, ACH Processing

 

99

 

98

 

100

 

98

 

100

99%
Increased +9

+9

 

5

Leap Payments

Agoura Hills, California

Will Detterman
800-993-6300
More info

Visit Website

2007

$1 million - $3 million

35

2,500+

99%

L

Best Western Hotels, H&R Block, Buy Direct, Yellow Cab, PetSmart

Retail Processing, Online Credit Card Processing, Credit Card Processing

 

98

 

99

 

100

 

98

 

99

98.8%
Increased +14

+14

 

6

EPX

Wilmington, Delaware

Rick Dressel
302-288-0600
More info

Visit Website

1979

$1 million - $3 million

27

34+

95%

M

Available upon request.

PCI Compliance, Payment Platforms, ISO Agent Programs, Credit Card Processing

 

100

 

99

 

96

 

97

 

100

98.4%
Increased +17

+17

 
Contenders

7

AP Technology

Carlsbad, California

Richard Love
800-652-2877
More info

Visit Website

2000

$1 million - $3 million

15

100+

91%

M

Bank of America, Avionté Staffing Software, BMSI software, ikaSystems

High Risk Processing, Data Management

 

96

 

98

 

99

 

98

 

100

98.2%
Increased +5

+5

 

8

iTransact

Farmington, Utah

Stephen Hall
801-298-1212
More info

Visit Website

1994

$3 million - $5 million

37

100+

98%

L

Zions Bank, Productivity Solutions, Inc., Determination Outdoors, Godfather’s Pizza

Credit Card Processing, Retail Processing, ACH Processing

 

96

 

99

 

98

 

100

 

97

98%
Increased +2

+2

 

9

ACH Direct

Allen, Texas

Jeff Thorness
866-290-5400
More info

Visit Website

1998

$3 million - $5 million

14

54

88%

L

La Fitness, Virgin, Jackon Hewitt, Progessive, NEC

Online Credit Card Processing

 

96

 

99

 

98

 

99

 

97

97.8%

NC

 

10

OnlineCheck.com

Denver, Colorado

Nicholas Madamas
800-427-1450
More info

Visit Website

1999

$5 million - $10 million

29

100+

91%

M

Barista Coffee, The Beach of AZ, Minor Family Auto, Plume, Zinnia

Online Credit Card Processing, ACH Processing

 

96

 

98

 

97

 

100

 

96

97.4%
Decreased -4

-4

 

11

Prolific Business Solutions

Scottsdale, Arizona

Brian Cooper
877-777-7149
More info

Visit Website

2005

$250,000 - $1 million

58

300+

93%

H

ELFA, Precision Payroll, WD

Online Credit Card Processing, Credit Card Processing, ACH Processing

 

95

 

99

 

97

 

98

 

96

97%
Increased +9

+9

 

12

Electronic Merchant Systems

Cleveland, Ohio

Dan Neistadt
866-845-6026
More info

Visit Website

1987

$3 million - $5 million

58

500+

94%

L

Available upon request.

Point of Sale Systems, Credit Card Processing

 

97

 

98

 

97

 

95

 

97

96.8%
Increased +13

+13

 

13

Check Processors, Inc

Sacramento, California

Hal Beswick
800-691-7638
More info

Visit Website

1986

Above $10 million

65

100+

90%

M

Confidential.

ACH Processing

 

96

 

97

 

96

 

97

 

96

96.4%
Increased +14

+14

 

14

Axway

Vienna, Virginia

Jean-Marc Lazzari
703-556-8400
More info

Visit Website

1983

$3 million - $5 million

54

100+

92%

L

Groupama, Groupe AREVA, Air France, Coca Cola, JPMorgan Chase & Co.

Risk Management / Compliance, Automated Clearing House (ACH) Software, ACH Processing

 

95

 

98

 

96

 

95

 

96

96%
Increased +14

+14

 

15

AmberPOS

Maple Ridge, Canada

Paul Piotrowski
604-457-3000
More info

Visit Website

2009

$250,000 - $1 million

25

26+

90%

L

Marquis Wine Cellars, The Cross Decor & Design, Baby’s World, Boutique Belles Amies, B.B. Blue

Point of Sale Systems, Point of Sale Software

 

97

 

95

 

96

 

96

 

95

95.8%
Increased +9

+9

 

16

GDpay

Phoenix, Arizona

Craig Yox
888-600-2602
More info

Visit Website

2006

$250,000 - $1 million

17

77

86%

L

Confidential.

Gift & Loyalty Cards, Credit Card Processing, ACH Processing

 

97

 

96

 

94

 

95

 

96

95.6%
Increased +13

+13

 

17

Treasury Software Corporation

Richmond, Virginia

Debbie Glasser
866-226-5732
More info

Visit Website

1999

$3 million - $5 million

28

65

91%

M

John Hancock , MetLife , Omni Hotels & Resorts , United Way , Benjamin Moore Paints

Automated Clearing House (ACH) Software, ACH Processing

 

95

 

97

 

95

 

95

 

94

95.2%
Decreased -3

-3

 

18

Azura Leasing

Byron Center, Michigan

Brad Oliver
888-424-7142
More info

Visit Website

2009

$5 million - $10 million

167

350

98%

L

Confidential.

Equipment Leasing, Point of Sale Systems, ACH Processing

 

95

 

96

 

95

 

93

 

96

95%
Decreased -1

-1

 

19

BluePay Processing

Naperville, Illinois

Brad Bialas
630-300-2391
More info

Visit Website

2002

Under $250,000

36

54

88%

L

DICE Corporation, Arizona Dental Association, Magento Enterprise, Clip, Monchilla

Online Credit Card Processing, Retail Processing, ACH Processing

 

93

 

94

 

94

 

96

 

96

94.6%
Decreased -4

-4

 

20

Electronic Verification Systems

Louisville, Kentucky

Eric Knapp
866-491-5665
More info

Visit Website

2009

$250,000 - $1 million

14

32+

86%

L

Available upon request.

Encryption / Information Security, Banking Automation, ACH Processing

 

96

 

91

 

94

 

96

 

95

94.4%
Increased +10

+10

 

21

Retail Lockbox

Seattle, Washington

Craig Dawson
206-624-2871
More info

Visit Website

1994

$1 million - $3 million

13

100+

89%

L

Confidential.

Credit Card Processing, Retail Processing

 

92

 

95

 

94

 

94

 

95

94%
Decreased -14

-14

 

22

PaySimple

Denver, Colorado

Allen Wolff
800-466-0992
More info

Visit Website

2005

$1 million - $3 million

342

100+

90%

L

Seth L. Goldner, P.C., Multiflor, Hosto & Buchan, Brain Paint Inc., Weber Olcese

Mobile Processing, Online Credit Card Processing, Payment Gateway, ACH Processing

 

92

 

95

 

94

 

93

 

94

93.6%
Decreased -17

-17

 

23

Adaptive Payments

Plantation, Florida

Shashi Kapur
954-756-1603
More info

Visit Website

2006

$1 million - $3 million

32

128

93%

L

Confidential.

Payment Platforms, Transaction Verification

 

92

 

94

 

94

 

94

 

93

93.4%
Decreased -15

-15

 

24

EXS Credit Card Processing

Newport Beach, California

Eric D. Pruessing
877-865-7744
More info

Visit Website

2008

$1 million - $3 million

26

77

89%

L

Available upon request.

Merchant Cash Advance, Credit Card Processing, ACH Processing

 

94

 

94

 

93

 

94

 

90

93%
Decreased -8

-8

 

25

Xenex Merchant Services

Cedarhurst, New York

Winston Sylvester
888-918-4409
More info

Visit Website

2006

$1 million - $3 million

17

100+

92%

M

Merchants Capital Access , NMI , eProcessing Network , Authorize.Net

Credit Card Processing, Gift & Loyalty Cards, ACH Processing

 

93

 

93

 

94

 

91

 

92

92.6%
Decreased -14

-14

 

26

Central Bank

Provo, Utah


+1 801-375-1000
More info

Visit Website

2015

$1 million - $3 million

15+

20+

86%

M

Small Business Loans

 

92

 

93

 

94

 

91

 

92

92.4%
Decreased -22

-22

 

27

Advanced Merchant Group

Feasterville, Pennsylvania

Mike Wiener
877-997-9473
More info

Visit Website

2001

$1 million - $3 million

64

300+

97%

L

Available upon request.

Online Credit Card Processing, Gift & Loyalty Cards, ACH Processing

 

93

 

91

 

91

 

92

 

93

92%
Decreased -6

-6

 

28

MersaTech

Centennial, Colorado

Joseph Marrero
303-268-5505
More info

Visit Website

2003

$3 million - $5 million

27

10,000 plus

98%

L

Confidential.

Point of Sale Systems, Credit Card Processing, ACH Processing

 

91

 

90

 

92

 

92

 

93

91.6%
Decreased -2

-2

 

29

Banc Card of America

Nashville, Tennessee

Mark Barrett
615-352-6956
More info

Visit Website

1997

$1 million - $3 million

25

59

91%

M

Confidential.

Credit Card Processing, Online Credit Card Processing, ACH Processing

 

90

 

92

 

91

 

91

 

93

91.4%
Decreased -11

-11

 

30

Deposit Checks

San Diego, California

Donald Cook
866-927-7180
More info

Visit Website

1999

$250,000 - $1 million

20

49+

89%

L

Confidential

Mobile Processing

 

90

 

92

 

90

 

92

 

91

91%
Decreased -8

-8

 
Evaluation Criteria: Best Electronic Check Processing Services
Competitive Rates
Competitive Rates

For companies offering check processing services we spend time analyzing the different rates offered to merchants based on the number of checks the accept on a monthly basis, the sum of the checks received in value, and the average value of the checks being received. It is important for merchants to select a payment processor which provides them a competitive rate based on their individual needs and requirements.

Reliability
Reliability

For many businesses it is important to know that their payment processor is reliable. Reliability is measured based on a processor’s historical performance in ensuring check payments are accepted and processed in a fair amount of time. If a payment processor has a pattern of losing payments or does not have a process in place to ensure every check is being handled properly, it can cause problems for their merchants.

Efficiency
Efficiency

Another crucial area of our analysis delves into the efficiency of the internal processes for accepting and processing check payments. We delve into the strategies which check processing companies use in order to accept checks on behalf of their merchants and process the payments in a reasonable amount of time. It is important for these processes to be efficient to reduce the amount of human intervention required.

Variance
Variance

During our analysis we also ensure the companies offering the check processing services have a number of different packages and arrangements for their merchants to ensure the solution they provide is best fit for their merchants. Having a variety of offerings for merchants as well as additional services can ensure that merchants will be able to adequately accept payments from their customers when conducting business.

Customer Support
Customer Support

The customer support component of our analysis focuses on the professionals involved in assisting merchants in accepting their payments or resolving issues with the payment process. It is important for payment processors to invest in quality customer support in order to ensure that issues are being addressed in the most appropriate manner and to promote a positive channel of communication with their merchants.

 
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