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Credit Card Processing Solutions

Top Companies in 2023

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Credit Card Processing

In today's digital age, credit card processors play a pivotal role in the success of businesses, influencing everything from sales to customer satisfaction. Choosing the right credit card processing solution is a decision of utmost importance, as it can significantly impact your company's financial transactions and customer interactions. With a plethora of options available, making the right choice may seem daunting.

That's where Several.com comes in – your trusted resource for comprehensive reviews and insights on the top credit card processing companies. Our website is dedicated to helping you navigate the complex world of payment processing and select the ideal solution tailored to your specific business needs, ensuring secure, seamless, and efficient transactions.

In-Depth Reviews of Top Credit Card Processing Providers

Pricing
- Starts at $99 per month
Business Size Supported
- Any

Stax, previously known as Fattmerchant, is a payment technology company founded in Orlando, Florida, in 2014. They provide a range of features that cater to different business needs and capabilities. The best part is that their services do not require lengthy contracts. They are suitable for companies with at least $5,000 in monthly transactions, and they cater to various business industries, with a focus on retail, healthcare, professional services, and field services.

 

They offer their services through various products, including StaxConnect, StaxPay, StaxBill, and CardX. All their solutions, both native and integrated, are available on a single robust platform that allows for many valuable add-ons and improvements. The company supports all types of payment transactions while complying with PCI data security standards.

Pros

Large variety of payment methods
Allows surcharging
Month-to-month payments
Excellent 24/7 customer support via phone, email, and tickets
Comprehensive third-party integrations
Specialized solutions for SaaS and large companies

Cons

Higher fixed monthly costs
Reports of frozen funds
Prices not listed for larger companies
Many options come at an added price
Pricing
- Quote-based
Business Size Supported
- Any

ProMerchant is a credit card processing company founded in 201‪8 in Boston, Massachusetts. They are known for their fast and easy application approval, made available to merchants of all sizes and various industries. They have tailored processing solutions for retail, e-commerce, mail and phone orders, restaurants, and high-risk businesses. They allow customers to process in-store, phone, mail, and online transactions


ProMerchant also offers 24/7 customer support for its up-to-date technology and software solutions, which all come from third parties. They do not require long commitments, preferring a month-to-month pricing method with no setup, application, or cancellation fees. ProMerchant has also built a reputation for secure transactions, protection against fraud, end-to-end encryption, and NFC technology.

Pros

Flexible pricing options to choose from
Month-to-month agreements
Some plans offer free hardware
No set-up or application fees
Supports surcharging

Cons

Fixed monthly fee model may be pricy for small businesses with low transaction amounts
Only work in the United States
Lack of proprietary apps and solutions
Lack of price transparency
Pricing
- As low as $9.95 per month
Is one of the leading companies providing top-notch business management solutions, including but not limited to POS systems, eCommerce and restaurant online ordering solutions, and credit card processing technologies.

Pros

Monthly fees are as low as $9.95
Efficient solution for small and growing businesses
Flat-rate pricing structure making it a good pick for small businesses

Cons

Not suitable for businesses that want to use other POS system providers
Pricing
- $79 per month
Business Size Supported
- Any

Payment Depot, a US-based financial services company, was founded in 2013 in Orange County, California. The company provides affordable and easy payment processing options through their credit card processing services. Even after being acquired by Stax, a top payment processing company, in 2021, Payment Depot continues to operate as a unique credit card processor with a simple pricing strategy that makes it more budget-friendly than many of their competitors.

 

Payment Depot offers credit card processing services that work seamlessly with all major credit card networks without marking up the fees. The company caters to businesses of all sizes, particularly small and medium-sized businesses. They offer industry-specific services to retail, healthcare, restaurants, B2B, auto shops, pet grooming, hair and beauty salons, and other client service businesses.

Pros

Simplified monthly membership model
No setup or application fees
No cancelation fees
Excellent 24/7 customer support
90-day money-back guarantee

Cons

Do not support high-risk businesses
No longer offers free hardware
No proprietary mobile app
Only available in the US
Pricing
- Free plus processing fees
Business Size Supported
- Any

Stripe is a software development company headquartered in San Francisco and Dublin that was founded in 2010. Their global payment processing software is packed with many features and can be accessed through a simple fee structure. Their API tools allow businesses to accept a variety of payment methods, including credit and debit cards, mobile wallets, and buy now, pay later services. Stripe also supports payments in multiple currencies and offers extra features like billing, invoicing, and sales tax automation. Their clientele ranges from startups to larger enterprises, and they serve various global and local industries.

Pros

International credit card processing services
No monthly fees
Affordable and portable chip reader
Cross-border payment options for 50+ countries across 135+ currencies
Transparent prices and fees

Cons

Reports of frozen funds and deactivated accounts
Lack of transparency on high-risk cases
Have to pay for "premium" support
Pricing
- Free plus processing fees
Business Size Supported
- Any

Square is a merchant service provider owned by Block - a financial services and technology company. The company was founded in 2009  and has its headquarters in San Francisco, California. They offer credit card processing services that cater to all aspects of a merchant's payment processing requirements. They offer industry-specific tools and features, all of which are provided in-house to ensure optimal compatibility and services.

Square primarily advertises to the food and beverage, retail, beauty, and services industries, as well as large businesses and franchises. Their perks include a merchant account, various hardware options, omnichannel processing services, and easily accessible customer service. Square promises comprehensive integrations, compliance assurance, and fast money transfers. They assure their customers they will not be tied down by long-term contracts or charged hidden fees.

Pros

Many hardware options
Free introductory option
Transparent pricing
Free proprietary mobile app
One-stop shop for payments, payroll, and marketing solutions
Free 30-day trial for Plus plans
Extensive third-party software integrations

Cons

Doesn't support high-risk businesses
Reports of frozen funds
May not suit high transaction volumes
Pricing
- Varies based on the transaction amount
Business Size Supported
- Small-medium sized businesses (SMBs)

Helcim is a reputable player in the payment processing industry, offering transparent and efficient solutions for businesses. Specializing in credit card processing, Helcim provides clear pricing structures, including an interchange-plus model. Notable features include end-to-end encryption and a surcharge program for cost management. With a focus on transparency and security, Helcim emerges as a practical choice for businesses seeking reliable payment processing services. This review will examine the key features and advantages that make Helcim a noteworthy contender in the competitive realm of financial transactions.

Pros

Specialized solutions for SaaS and large companies
A large variety of payment methods
Allows surcharging
Comprehensive third-party integrations
Learning and resource availability
Improved cash flow
Volume discounts

Cons

Unintuitive and slow software
Pricing
- Based on the industry and business size
Is a payment processing solution with hundreds of integrations, specialized account managers, and PCI compliance credit card processors. 

Pros

No fees for early termination
Solutions for low, medium, and high risk businesses
Specialized account managers
Fraud prevention tools

Cons

Prices aren't disclosed on the website
Pricing
- Starts at $6.95
Is a US-based full-service provider with more than 20 years in the industry and a wide selection of products, including a POS, credit card processor, virtual terminal, and mobile app.

Pros

Has been an accredited business with the Better Business Bureau since 201‪0
The company can accommodate most business sizes
No contracts are required and some plans can be terminated without any termination fees

Cons

Prices aren't clearly disclosed on the website
Pricier than some other credit card processor providers
Pricing
- Undisclosed
Business Size Supported
- Any

Unlock the potential of seamless transactions with East Commerce Solutions (ECS), a credit card processing (CCP) company founded in 1994 and headquartered in East Providence, Rhode Island. Acquired by Payroc in 2022, ECS offers a range of merchant services, from 24/7 customer support to the Intelligent Rate Program. Standout features include on-site training, gift card programs, and streamlined deposits, fostering efficiency in digital transactions. Dive into this comprehensive review to explore ECS's offerings, unique features, and user experiences in the dynamic landscape of electronic transactions.

Pros

Customer gift card
Remote deposit capture
Integration
24/7 customer support
Streamlined deposits
Diverse payment methods

Cons

Poor customer support
Lack of transparency
May not support multi-currency transactions