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Credit Card Processing Solutions

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Credit Card Processing

In today's digital landscape, a good payment processor is a cornerstone for success, influencing sales volume, customer satisfaction, and the overall efficiency of financial transactions. In a world of endless options, finding the information and solutions you need can be challenging. At Several.com, we are committed to helping you find the ideal credit card processing solution, one that fits seamlessly into your merchant’s bank account management and aligns with your unique business model. 

In order to simplify the complex world of payment processing for businesses, we cover payment solutions for all types of industries, from payment gateways to mobile card readers. We have evaluated a range of payment solutions, including virtual terminals, contactless payments, QR codes, and ACH payments. We help you navigate pricing options like flat and interchange rates and understand different subscription fees to find the best deal. Our company reviews encompass various payment methods, including Apple Pay, Google Pay, and traditional card payments, ensuring they work seamlessly with systems like QuickBooks Online and inventory management software. 

Focusing on both online and physical stores, we assess POS software, mobile compatibility, and data security. We feature top providers known for their dedicated service and Better Business Bureau accreditation. Several.com is your go-to source for unbiased, thorough reviews, helping you find the perfect payment processing solution for your business.

In-Depth Reviews of Top Credit Card Processing 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
- 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
- $14.95/month
Business Size Supported
- Any

Founded in 2011 and headquartered in Sunnyvale, California, Clover Credit Card Processing is a cloud-based payment processor under Fiserv, catering to small and medium-sized businesses across industries. With innovative features like enhanced inventory tracking, seamless integrations, and multicurrency support, Clover simplifies payment processing and business operations. Renowned for its efficiency, the company's comprehensive approach makes it a top choice for businesses seeking integrated solutions in the dynamic landscape of modern operations. Fiserv's robust backing further solidifies Clover's position as a trusted partner, offering reliability and cutting-edge technology to enhance the overall business experience for its diverse clientele.

Pros

Seamless integrations
Comprehensive reporting
Real-time tracking
Enhanced inventory tracking
Live chat support
Tailored interface
Efficient booking system
Automated recurring payments
Cost-effective surcharging
Various payment methods
Gift card & loyalty programs

Cons

Restricted ecosystem
Pricey services
Hardware acquisition costs
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

PaymentCloud is a pioneering force in credit card processing. With a passion for innovation and unique solutions, they redefine industry standards. Their dynamic services cater effortlessly to retail, e-commerce, and hospitality, offering a suite of features such as 24/7 merchant support, chargeback programs, and cutting-edge hardware solutions. Distinguished by a commitment to excellence, PaymentCloud leads the way in diverse payment methods, secure gateways, and specialized expertise in high-risk industries. Transparent pricing and revolutionary offerings, like zero-cost processing, showcase PaymentCloud's dedication to empowering businesses of all sizes.

Pros

Working with high-risk businesses
Tailored solutions
Innovative technology
Diverse industry support

Cons

Transaction volume restrictions
Lack of transparency
Pricing
- Undisclosed
Business Size Supported
- Any

Dharma Merchant Services is a California-based company that provides credit card processing solutions to businesses in various industries. Founded in 2007, they offer fast and convenient service to meet the needs of merchants and customers. They are a full-service company that supports sustainable businesses and provides good rates to retail stores, service industries, nonprofit organizations, lodging and hospitality, healthcare, e-commerce, and B2B.

Pros

Flexible, non-permanent cancelation options
24/7 support
Mobile apps for transactions and insights
Many payment methods are accepted
Streamlined, reliable transactions
Pricing transparency

Cons

Confusing costs & fees
Complex chargeback & dispute handling policies
Pricey hardware
System integration issues
Cancelation fees imposed
Pricing
- Undisclosed
Business Size Supported
- Any

East Commerce Solutions (ECS) is 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

Detailed reporting
Gift cards
Credit and ACH payment
Integrations
24/7 customer support
Fast turnaround
Real-time transaction monitoring

Cons

Long-term contract
Early termination complications
Hidden fees
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