The Best Merchant Account Services of 2018

RankServiceRatingMore Info
1Merchant WarehouseIIIIi
Customer Reviews
2Merchant ExpressIIIIi
Customer Reviews
3Charge.comIIII0
Customer Reviews

Click here for more info about the merchant account services that we recommend.


Practice Pay Solutions

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  • 11111
  • 1.221.221.221.221.22
  • 11111
  • 11111

Practice Pay Solutions reviewsWith more than fifteen years of experience under its belt, Practice Pay Solutions knows what it takes to compete and win in the merchant services industry. The company takes pride in its commitment to excellent customer service and has built a reputation for working with its customers toward common goals. Unlike some payment processing companies, Practice Pay Solutions goes beyond its role as a merchant service provider to offer a robust array of services that can help any company reach its full potential. Besides traditional e-commerce and ePayment accounts, this company offers webinars and other training materials that teach principles of business, not how its merchant services products work. The eBuilder service provides important tools businesses need for creating and operating a profitable website. (more…)

Authorize.net

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  • 1.61.61.61.61.6
  • 22222
  • 11111
  • 1.81.81.81.81.8

Authorize.netAuthorize.net has been a leader in the online credit card merchant processing industry since it began in 1996. The company is known for top-notch security, which gives online merchants peace of mind. Among their services are features that help Internet businesses prosper and thrive in cyberspace. Authorize.net’s tool offering makes payment processing easy, and it allows owners to concentrate on expanding their businesses. The company’s payment gateway also comes with full customer and IT support, designed to make integrating the gateway code onto a website a relatively smooth process. Businesses receive online documentation on the coding requirements, and the detailed instructions are informative enough to guide even those with low-level coding knowledge. Overall, the company is competitive with rates and is one of the most popular merchant processing companies. (more…)

2CheckOut

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  • 2.332.332.332.332.33
  • 2.332.332.332.332.33
  • 2.332.332.332.332.33
  • 2.332.332.332.332.33

2CheckOut.com reviews2CheckOut is a credit card processing service that can be used by any business regardless of size. Being able to accept customer credit cards is a vital part of making any business grow, but many business owners are turned off by the high cost of purchasing the equipment necessary to accept their customer’s cards. This service provides a way to let your customers pay how they want, while charging your business only a flat rate to process the cards. This service is offered for any website or online retailer. 2CheckOut has no fees beyond the flat rate charged for each transaction. In addition, services are offered in a variety of languages and currencies, making it possible to expand your business to other countries. (more…)

WorldPay

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  • 11111
  • 11111
  • 11111
  • 11111

WorldPay reviewsWorldPay offers merchant services globally and is an industry leader in payment processing. As an innovator, the company initiated online payments back in 1993. They have expanded payment services to include face-to-face, mail order and phone transactions. Additionally, the company is working to implement and develop antifraud systems for businesses around the world. Streamline, a European face-to-face card processor, from WorldPay, with over 165 million payment cards in the UK. Presently, the company handles nearly half of all UK’s face-to-face transactions. With almost a quarter of a century of service and innovation, the company’s approach of experience, flexibility and reliability remains the foundation for meeting customer needs. (more…)

Mobile Credit Card Processing With Square (Up)


Square Up with iPhone attachment

Merchants need to be flexible in order to meet the needs and demands of their customers. Even if you’re working at a fair or a convention, you need to be able to accept all sorts of different payments. After all, just because someone doesn’t have cash, that’s no reason to turn someone away. But traditional credit card processing machines are bulky and expensive, requiring wires and a connection to get a signal out. However, Square Up can make credit card processing a simple snap as long as you have a smart phone to do the work for you.

What is Square Up?

Square Up (or Square, as you wish) is an attachment of both hardware and software that turns your smart phone into a credit card processing machine. You can get it as an iPhone app or as an Android app. All you have to do is pay the necessary fees, and you have a credit card processor in the palm of your hand without having to buy any new equipment. (more…)

Merchant Account Comparison: ProPay vs Paypal


Businesses selling merchandise or receiving online payments need a way to collect and accept money. Merchant accounts are one option for people or businesses wanting to process payments such as credit and debit cards. Many companies offer merchant accounts. However, there are two popular merchant accounts, PayPal and ProPay. Both ProPay and PayPal have things in common. For instance, they are both third-party merchant services. Yet these third-party services differ.

ProPay

ProPay logoA ProPay merchant account processes credit and debit card payments. The merchant doesn’t require businesses to create a ProPay account to receive payments. Thus, sellers can receive money faster. The downside, however, of using ProPay is that it doesn’t have a uniform protection policy. Instead, the merchant is bound by the individual terms of protection policies provided by buyers’ credit and debit cards. Another difference between the two merchants is fees. (more…)

Merchant Express

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  • No Ratings
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Merchant Express reviewsMerchant Express offers merchant account services for various types of businesses including restaurants, e-commerce companies etc. The company offers secure, PCI-compliant networks that connect merchant credit card terminals and Internet gateways to financial networks. Merchant Express provides businesses with transaction processing services that transfer funds from card- and e-check-based transactions to business checking accounts that belong to sellers. With Merchant Express, businesses of all sizes have a chance to accept non-cash payments at low rates. (more…)

Gotmerchant

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  • No Ratings
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Gotmerchant reviewsGotmerchant.com helps businesses sell goods and services online or in a traditional store. Merchant services provided by this company include the merchant accounts used to store funds from credit card transactions. Gotmerchant.com verifies the availability of funds from credit cards presented by customers and then transfers the funds to the merchant account. The credit card processor uses a PCI-compliant data connection, so buyers and sellers can do business with confidence. (more…)

Different Types of Merchant Account Types Available


Merchant account typesDeciphering the various types of merchant account services can be very confusing. Much of the sale and servicing of merchant accounts is unregulated, making confusion a valuable tool of an unscrupulous salesperson. Unless a merchant understands how banks classify merchant accounts, there can appear to be a confusing maze of merchant account types. Banks classify merchants and their accounts by the process used to harvest card data. The bank also considers the type of merchant and processes for transaction completion. This article serves to explain bank defined merchant account classifications.

Banks recognize two methods to harvest card data, Swiped and Keyed. These two methods are sub-classified by business type and transaction completion method. (more…)

Tips for not Paying Too Much Credit Card Processing Fees


Credit card feesOver the past couple of decades, the amount of transactions that are completed using credit cards has increased dramatically. With online shopping continuing to outpace traditional forms of shopping, the use of credit cards is likely to only continue to rise. While these forms of cards provide great conveniences to shoppers, and ultimately result in increased sales for businesses and retailers, many businesses are struggling due to the high credit card processing charges that come with a merchant account transaction.

Who’s Being Charged for What?

Whenever a consumer uses a credit card to make a purchase, they will be charged for the exact dollar amount of the transaction, plus any applicable sales taxes that are paid. The business, on the other hand, will have to pay credit-processing fees to the credit card company. The fees that are paid are generally around two percent of the sale price, plus a low flat fee of around 15 cents per transaction. While this may seem like a nominal amount, these fees can add up to large sums of money over time.

Tip: Shop Around

Credit card serviceWhile these commissions paid on merchant account transactions are inevitable, there are ways that a business can control how much they have to pay on them. One of the best ways to save money on the credit processing fees paid would be to shop around for rates. Most businesses end up using the first offer that they are given without considering whether the rate is too high. By shopping around with various credit card processing companies like Merchant Warehouse and iTransact, you will receive a number of different quotes. These quotes can then be used to negotiate against one another, which could help you receive an even lower rate.

Another tip to for not paying too much credit processing fees would be to attempt to reduce the amount of credit card transactions that you receive. While offering credit card purchases to consumers is a great convenience, there are ways that you could entice consumers to pay with cash or debit cards instead. One way to do this would be to offer some form of a rewards program for cash purchases. If you provide future discounts to cash-paying consumers, you will not only avoid some credit card processing fees, but you will help ensure that you will receive a repeat customer in the future.

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