Credit Card Processing Solutions
Top Companies in 2026
Global Payments (BuyerZone) vs ProMerchant
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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
- Flexible pricing options to choose from
- Month-to-month agreements
- Some plans offer free hardware
- No set-up or application fees
- Supports surcharging
- 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
- 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
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.
ProMerchant is a credit card processing company founded in 2018 that offers solutions for small businesses. The business provides services for both traditional brick-and-mortar businesses and online retailers. They have two price options: one offers no processing fees to retail businesses and restaurants, and the other utilizes an interchange with a fixed percentage rate and transaction fee cost structure. ProMerchant boasts that its representatives can approve your account in as little as two hours. They have gotten favorable feedback from clients and are renowned for their capacity to work with high-risk enterprises. ProMerchant is a wonderful alternative for companies of all sizes because it supports practically every small business. ProMerchant has an A+ rating on the BBB website, though they are not accredited by them. They earn positive reviews from customers, getting a 4.9/5 score on Trustpilot, and are recognized for a fast approval process and competitive pricing.
- 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 : 2 Days
- Customer Experience : Excellent
- Gift Cards : Available
- Real-Time Reports : Available
- Transparent Pricing : Unavailable
- Pricing Model : Interchange plus, Fixed monthly fee, Surcharging
- Trustpilot Score : 4.8 out of 5
- BBB Rating : A+
- 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
- Industry-specific solutions
- Free terminal with many plans
- Fast approval process
- Flexible terms and conditions
- No upfront fees or hidden costs
- 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
- 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—Undisclosed
- 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
- FAQs
- Help Guides
- Live Chat
- Mobile Application
- Phone
- Tickets
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