Credit Card Processing Solutions
Top Companies in 2024
Heartland Merchant Services vs Merchant One
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- No hardware required
- Versatile industry coverage
- Serves all business sizes
- Round-the-clock support
- Diverse payment methods
- Mobile app
- One-stop-shop solution
- Detailed reporting
- Gift cards
- Credit and ACH payment
- Integrations
- 24/7 customer support
- Fast turnaround
- Real-time transaction monitoring
- Lack of CCP price transparency
- Contractual obligations
- Charges on disputes
- Long-term contract
- Early termination complications
- Hidden fees
Heartland Payment Systems is a trusted player in the realm of payment solutions. Founded in 1997 with a mission to bolster small businesses worldwide. From their headquarters in Princeton, New Jersey, Heartland extends bespoke merchant accounts and state-of-the-art payment processing terminals, seamlessly integrating Point of Sale (POS), payroll, and credit card processing functionalities. Committed to ensuring client satisfaction, Heartland provides round-the-clock support and accommodates a diverse array of payment methods, including digital wallets and ACH payments. The company's unwavering dedication to excellence has garnered significant acclaim, including the receipt of five prestigious Stevie Awards for Sales and Customer Service. While Heartland prides themselves on their advantages, such as the absence of hardware requirements, extensive industry coverage, and user-friendly mobile application, potential drawbacks, like a lack of price transparency and contractual obligations, underscore the importance of careful consideration. Nevertheless, Heartland remains the discerning choice for businesses seeking comprehensive payment solutions and unwavering support in their financial endeavors.
East Commerce Solutions (ECS), established in 1994, is a credit card processing company based in East Providence, Rhode Island. Tailoring services for businesses of all sizes, ECS offers a diverse range of features. These include 24/7 customer support, innovative programs like the Intelligent Rate Program, and proprietary POS systems focusing on personalized service. Consistently ranking among the top 1% of MSP/ISOs in the U.S., ECS has garnered positive feedback for its streamlined setup processes and excellent support. Despite some reported concerns about customer service quality and transparency, ECS remains a prominent choice in the credit card processing realm, emphasizing accessibility, efficiency, and tailored solutions for businesses navigating digital transactions. The strategic acquisition by Payroc in 2022 adds to ECS's industry significance, marking its commitment to evolving with the dynamic needs of the market.
- Transaction Speed : Next-day funding
- Customer Experience : Poor
- Money-Back Guarantee : True
- Gift Cards : Available
- Real-Time Reports : Available
- Transparent Pricing : Unavailable
- Pricing Model : Interchange plus
- Trustpilot Score : 2.5
- BBB Rating : B-
- Transaction Speed : 24 to 48 hours
- Customer Experience : Good
- Gift Cards : Available
- Real-Time Reports : Available
- Trustpilot Score : 4.9 out of 5
- BBB Rating : A+
- Versatile industry coverage
- Mobile app
- Round-the-clock support
- Mobile app
- Free systems and equipment
- No application fee or setup fees
- Billing & Invoicing
- Electronic Receipts
- Free Hardware
- Mobile Card Reader
- 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
- Free Trial
- Freemium
- Monthly Subscription
- One-Time License
- Annual Subscription—Undisclosed
- Free Trial
- Freemium
- 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
- 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
- FAQs
- Help Guides
- Live Chat
- Mobile Application
- Phone
- Tickets—Undisclosed
- Demos
- FAQs
- Help Guides
- Live Chat
- Mobile Application
- Phone
- Tickets
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