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Credit Card Processing Solutions

Top Companies in 2024

Merchant One vs Square

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Pros
  • Detailed reporting
  • Gift cards
  • Credit and ACH payment
  • Integrations
  • 24/7 customer support
  • Fast turnaround
  • Real-time transaction monitoring
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
  • Long-term contract
  • Early termination complications
  • Hidden fees
Cons
  • Doesn't support high-risk businesses
  • Reports of frozen funds
  • May not suit high transaction volumes
Summary

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.

Summary

Square is a leading financial services and digital payments company owned by Block Inc, which is a financial services and technologies company that also deals in blockchain. Square was founded in 2009 by Jack Dorsey and Jim McKelvey and has become a common way for businesses to accept credit card payments and use phones or tablets as payment registers for a point-of-sale system. They cater to all business types and sizes and offer their clients a comprehensive list of tool integrations and hardware. Square offers a range of transaction-processing options and supports invoicing, recurring payments, and international credit card payments. They have a great reputation among clients for their responsive customer support and the flexibility they offer to clients with their many tools and software and have a 4.3/5 on Trustpilot. There are many things to consider when it comes to costs with Square, but their website lists pricing and processing fees clearly. They offer three plan tiers, including a free one where they only charge processing fees for accepted payments. 

Quick Stats
  • 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+
Quick Stats
  • Transaction Speed : 1-2 days (same-day available at an added fee)
  • Customer Experience : "True"
  • Money-Back Guarantee : True
  • Gift Cards : Available
  • Real-Time Reports : Available
  • Transparent Pricing : Available
  • Pricing Model : Fixed monthly fee, Interchange plus
  • Trustpilot Score : 4.3 out of 5
  • BBB Rating : A+
Selling Points
  • Mobile app
  • Free systems and equipment
  • No application fee or setup fees
Selling Points
  • Free features such as payment gateway and PCI compliance
  • Competitive flat-rate transaction fees
  • Jam-packed mobile app for both Android and Apple devices
System Features
  • Billing & Invoicing
  • Electronic Receipts
  • Free Hardware
  • Mobile Card Reader
  • Multiple Payment Gateways
  • Recurring Payments & Billing
  • Reporting & Analytics
  • Virtual Terminal
System Features
  • Billing & Invoicing
  • Electronic Receipts
  • Free Hardware
  • Mobile Card Reader
  • Multiple Payment Gateways
  • Recurring Payments & Billing
  • Reporting & Analytics
  • Virtual Terminal
Data Security
  • EMV Compliant
  • Payment Fraud Protection
  • PCI Compliance
Data Security
  • EMV Compliant
  • Payment Fraud Protection
  • PCI Compliance
Pricing Options
  • Undisclosed
    Annual Subscription
  • Free Trial
  • Freemium
  • Monthly Subscription
  • One-Time License
Pricing Options
  • Undisclosed
    Annual Subscription
  • Free Trial
  • Freemium
  • Monthly Subscription
  • Undisclosed
    One-Time License
Third-Party Integrations
  • Processing Services
  • Accounting Software
  • POS
  • Undisclosed
    Productivity Software
Third-Party Integrations
  • Processing Services
  • Accounting Software
  • POS
  • Productivity Software
Operating System Compatabilities
  • Android
  • Cloud-Based
  • Mac
  • On-Site Installation
  • Windows
Operating System Compatabilities
  • Android
  • Cloud-Based
  • Mac
  • On-Site Installation
  • Windows
Supported Payment Options
  • ACH Processing
  • Cash Transactions
  • Credit Card Terminals
  • Electronic Signature
  • In-Person Payments
  • Mobile Payments
  • NFC Payments
  • Online Payment Procesing
Supported Payment Options
  • ACH Processing
  • Cash Transactions
  • Credit Card Terminals
  • Electronic Signature
  • In-Person Payments
  • Mobile Payments
  • NFC Payments
  • Online Payment Procesing
Customer Support
  • Demos
  • Email
  • FAQs
  • Help Guides
  • Live Chat
  • Mobile Application
  • Phone
  • Tickets
Customer Support
  • Demos
  • Email
  • FAQs
  • Help Guides
  • Live Chat
  • Mobile Application
  • Phone
  • Tickets

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