Web Services » Internet / Ecommerce » Credit Card Processing Review
2014 Best
Credit Card Processing Review
REVIEWS AND COMPARISONS
Let's find the right Credit Card Processing Service for you.
Does your business currently accept credit cards?
Yes
No
How do you/will you receive the majority of your credit card orders?
Retail store (in person)
Phone or mail
Internet
Which types of cards do you want to accept?
Visa
Mastercard
American Express
Discover
Diner's Club
Debit cards
What is the value of your typical credit card transaction?
$1 - 19
$200 - 999
$20 - 49
$1,000 - 4,999
$50 - 199
$5,000+
What is your current or projected monthly credit card volume?
$1 - 999
$50,000 - 99,999
$1,000 - 9,999
$100,000 - 249,999
$10,000 - 24,999
$250,000 - 499,999
$25,000 - 49,999
$500,000+
Do you want information on credit card terminals?
Yes - on terminals with printers
Yes - on terminals without printers
No - no terminal information needed
When would you like this credit card processing service to begin?
ASAP
Within one month
1-3 months
3+ months
Do you want information on portable wireless terminals?
Yes
No
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Ratings
Overall Rating
Average Approval Rating
Cost Per Month*
Startup Cost
Account Setup Time
Customer Service
Internet Based Features
Credit Card Readers
10.00
9.90
9.63
9.50
9.30
9.15
8.95
8.77
8.05
7.60
7.53
7.15
6.80
6.53
6.45
5.58
5.00
10.00
10.00
10.00
9.75
9.38
9.75
9.75
9.38
8.75
8.13
8.75
7.50
7.50
6.88
6.88
6.88
5.00
10.00
10.00
10.00
10.00
10.00
9.25
9.00
8.75
7.50
8.13
7.50
6.25
7.50
6.25
6.88
6.88
5.00
10.00
10.00
10.00
9.75
10.00
9.38
9.38
7.50
8.75
5.00
7.50
7.50
7.50
6.88
7.50
5.00
5.00
10.00
9.75
9.75
10.00
7.50
9.38
10.00
7.50
7.50
8.13
6.25
6.25
7.50
6.88
6.88
5.00
5.00
10.00
9.75
10.00
9.75
10.00
9.38
7.50
9.38
8.75
8.13
7.50
7.50
7.50
6.88
6.88
5.00
5.00
10.00
9.75
8.75
7.50
9.38
9.38
7.50
9.38
7.50
8.13
7.50
7.50
7.50
6.88
5.00
5.00
5.00
10.00
10.00
8.75
9.75
8.75
7.50
9.38
9.38
7.50
7.50
7.50
7.50
2.50
5.00
5.00
5.00
5.00
Fees & Savings
Save & Get the best rate.
Enter expected monthly revenue
CalculateYour Savings
Fees based on how credit card is entered
Select:
Swipe Fee
Keyed-in Fee
Annual Savings & Monthly Fees (Estimates)
  • Savings
  • Fees
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Application Process
Digital Application
 
 
Average Approval Rating
98%
98%
99%
99%
99%
99%
98%
98%
95%
99%
 
99%
98%
98%
99%
98%
 
Account Setup Time
Same Day
Same Day
1 day
Same Day
1-2 days
2 days
2 days
1 day
2 days
1 days
4 days
2 days
1 day
1 day
1 day
2 days
2-3 days
Required Monthly Fees
Gateway Fee
$7.95 (if applicable)
$7.95
$8.00 (If Applicable)
$9.00 (if applicable)
$10.00
$5.00
$10.00
$9.95
$15.00
$10.00
$10.00
$19.95
$10.00
$16.95
$13.99
$15.00
$24.95
Statement Fee
$7.95
$7.95
$5.00
$7.95
$10.00
$7.95
$7.50
$7.95
$10.00
$10.00
$10.00
$10.00
$10.00
$10.00
$5.00
$9.00
$14.95
Monthly Minimum
Formula
Formula
Formula
Formula
$20.00
$25.00
$25.00
$20.00
 
$25.00
$25.00
$15.00
$20.00
$25.00
$15.00
$20.00
$0.0
Transaction Fees
Average Discount Rate (card not present)
0.98%-1.98%
0.95%-1.95%
0.89%-1.99%
1.99%
1.49%-1.99%
2.19%
2.19%
2.05%
2.20%
2.19%
2.25%
2.19%
2.20%
2.25%
2.04%
2.35%
2.34%
Average Discount Rate (card present)
0.38%-1.58%
0.35%-1.55%
0.35%-1.58%
0.38-1.58%
0.49%-1.49%
1.69%
1.79%
1.59%
1.75%
1.69%
1.69%
1.59%
1.69%
1.79%
1.59%
1.59%
2.34%
Transaction Fee (card not present)
$0.21
$0.22
$0.10 - $0.26
$0.21
$0.21-$0.27
$0.21
$0.24
$0.20
$0.20
$0.25
$0.20
$0.25
$0.25
$0.25
$0.24
$0.30
$0.31
Transaction Fee (card present)
$0.19
$0.20
$0.10 - $0.18
$0.19
$0.21
$0.21
$0.24
$0.20
$0.20
$0.20
$0.20
$0.30
$0.25
$0.25
$0.24
$0.20
$0.31
Address Verification Fee
Formula
Formula
$0.00
$0.05
$0-$0.02
$0.05
$0.00
$0.05
$0.05
$0.00
$0.00
$0.05
$0.05
$0.05
$0.05
$0.00
$0.05
Features
Virtual Terminal
Payment Gateway Services Used for Verification
Authorize
Authorize
Authorize
Authorize, First Data Global, Charge Anywhere, Roam Pay
Authorize, Plug n Play, Sage, QuickCommerce, ROAMpay
Authorize, LinkPoint, VeriSign
Orbital, Authorize
Merchant One Gateway, Authorize, First Data
Authorize
Authorize
Authorize
First Data Global Gateway
Fast Charge
Authorize
Authorize
Authorize
Proprietary
Merchant Account
Credit Card Swipers
Clear the Account (Days)
Next Day Available
Next Day Available
Next Day
Next Day
1-3
1.5
1-2
Next Day
2
1-2
2
2
2
2
3
2
 
Offers eCheck
Shopping Cart Available
 
Recurring Billing
Fraud Protection
Address Verification
Real Time Processing
SSL (Secure Socket Layer)
CVV2 (Three Digits)
Accepted Credit Cards
Visa
Master Card
American Express
Discover
Debit
Help & Support
24/7
 
 
 
 
 
 
 
 
 
 
 
Online Chat