Credit Card Processing Solutions
Top Companies in 2026
Global Payments (BuyerZone) vs Payment Depot
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- Global reach spanning 100-plus countries with enterprise-scale infrastructure
- Comprehensive, industry-specific solutions across 60-plus verticals
- Unified Genius POS platform with deep integration capabilities via OpenEdge API
- Strong security and compliance tools, including PCI DSS, EMV, NFC, and fraud detection
- Simplified monthly membership model
- No setup or application fees
- No cancelation fees
- Excellent 24/7 customer support
- 90-day money-back guarantee
- No public pricing, rates, or fee disclosure
- Three-year contracts with up to a $500 early termination fee
- Documented pattern of undisclosed fee additions and rate increases post-sign-up
- Inconsistent customer service quality, particularly for US-based merchants
- Do not support high-risk businesses
- No longer offers free hardware
- No proprietary mobile app
- Only available in the US
Global Payments Inc. is a publicly traded payment technology company (NYSE: GPN) founded in 1996 and headquartered in Atlanta, Georgia. As a Fortune 500 and S&P 500 company, they operate one of the world's largest payment processing networks, serving over 5 million merchant locations across 100-plus countries and processing more than 76 billion transactions annually. Their services include in-person POS systems through the Genius platform, eCommerce and virtual terminal gateways, mobile payments, integrated software solutions via their OpenEdge division, and tools for reporting, analytics, payroll, and fraud management. The company has grown substantially through acquisitions, including Heartland Payment Systems (2016), TSYS (2019), and Worldpay (2026). They hold an A+ BBB rating and have been accredited since 2021, though BBB customer reviews average 1.02 out of 5. Trustpilot scores vary significantly by region. Pricing is quote-based and not publicly disclosed, and standard contracts run for 3 years with early termination fees up to $500.
Payment Depot is a credit card processor, founded in 2013 and based in Orange, CA, that is owned by fellow processing company Stax. They are BBB-accredited and have a 3.9/5 score on Trustpilot. Payment Depot built a reputation for providing reliable services to their clients across the United States, allowing them to securely accept payments from customers worldwide. They serve many industries, such as retail, restaurants, healthcare, services, B2B, and more. Payment Depot offers various features designed to make it easier for businesses to accept payments and manage their finances, including access to multiple payment processing networks, secure online payments, fraud protection systems, and a host of other business solutions tailored to small and large enterprises. Payment Depot doesn't require long-term contracts, and they have no startup or cancellation fees. Their funding is provided within 24 to 48 hours, and they offer 24/7 customer service via phone, chat, and email. Payment Depot offers a membership-based pricing model, which allows businesses to access wholesale interchange rates with no markups and minimal added fees. Their plans start at $79 a month but require clients to submit for a quote based on their requirements.
- Transaction Speed : Undisclosed
- Customer Experience : Fair
- Gift Cards : Available
- Real-Time Reports : Available
- Transparent Pricing : Unavailable
- Pricing Model : Custom/quote-based
- Trustpilot Score : 4.6 out of 5
- BBB Rating : A+
- Transaction Speed : 24 Hours
- Customer Experience : "True"
- Money-Back Guarantee : "True"
- Real-Time Reports : Unavailable
- Transparent Pricing : Available
- Pricing Model : Fixed monthly fee with wholesale interchange rates
- Trustpilot Score : 3.8 out of 5
- BBB Rating : B+
- Fortune 500 institutional credibility with NYSE listing (GPN) and S&P 500 inclusion
- OpenEdge API-first embedded payments platform for software developers
- Processing volume of $3.7+ trillion annually, scaling to nearly $4 trillion post-Worldpay acquisition
- Interchange + 0% per transaction
- Business owners report average monthly savings of $400+
- Committed to simple and clear credit card processing
- Seamlessly accept every payment type
- No setup or application fees
- Month to month agreements
- Billing & Invoicing
- Electronic Receipts
- Free Hardware—Undisclosed
- Mobile Card Reader—Undisclosed
- Multiple Payment Gateways
- Recurring Payments & Billing
- Reporting & Analytics
- Virtual Terminal
- Billing & Invoicing
- Electronic Receipts
- Free Hardware
- Mobile Card Reader
- Multiple Payment Gateways
- Recurring Payments & Billing
- Reporting & Analytics
- Virtual Terminal
- EMV Compliant
- Payment Fraud Protection
- PCI Compliance
- EMV Compliant
- Payment Fraud Protection
- PCI Compliance
- Annual Subscription—Undisclosed
- Free Trial
- Freemium
- Monthly Subscription—Undisclosed
- One-Time License—Undisclosed
- Annual Subscription
- Free Trial
- Freemium—Undisclosed
- Monthly Subscription
- One-Time License—Undisclosed
- Processing Services
- Accounting Software
- POS
- Productivity Software
- Processing Services
- Accounting Software
- POS
- Productivity Software—Undisclosed
- ACH Processing
- Cash Transactions
- Credit Card Terminals
- Electronic Signature—Undisclosed
- In-Person Payments
- Mobile Payments
- NFC Payments
- Online Payment Procesing
- ACH Processing
- Cash Transactions
- Credit Card Terminals
- Electronic Signature
- In-Person Payments
- Mobile Payments
- NFC Payments
- Online Payment Procesing
- Demos—Undisclosed
- FAQs
- Help Guides
- Live Chat—Undisclosed
- Mobile Application
- Phone
- Tickets—Undisclosed
- Demos—Undisclosed
- FAQs
- Help Guides
- Live Chat
- Mobile Application
- Phone
- Tickets
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