CardService International Reviewer's Comments

CardService International—our "TopTenREVIEWS Gold Award" Winner—is an outstanding credit card processing company. They aren't just the ordinary Independent Service Organization, but the are the actual underwriter so you will be approved within one day of receiving your application. Once your account is setup you will receive your money from your sales 2 days after the transaction is complete. With CardService International you have no startup fee and you are only required to sign a 6 month contract instead of 2-3 years like the most other credit card processing services.

Average Approval Rating:  

CardService International has a 98% approval rating of all their applicants—lone of the highest approval ratings in the industry. CardService International does not charge an application fee.

Cost Per Month*:  

CardService International has one of the lowest monthly costs, depending on the amount of business you do and the number of charge backs you have. They include a $19.95 monthly payment gateway fee, $9.95 Statement fee, and a $25.00 monthly minimum and a 2.39% discount rate with a $0.25 transaction fee.

Startup Cost:  

In order to sign up for CardService, all you have to do is fill out an application-processing is free. After that, simply pay your monthly fees.

Account Setup Time:  

CardService International has the fastest turnaround time; they offer to set up your application within one day of receiving it. Most other credit card processing companies require a wait of 4 to 6 days while they communicate with their underwriter. CardService International is the actual underwriter, so there is no ISO (Independent Service Organization) middleman to slow the process. More than a few credit card processing ISOs send their applications to CardService International to be approved.

Customer Service:  

When we contacted CardService International, we were instantly connected to a sales representative who answered all our questions. The customer service is excellent.

Internet Based Features:  

CardService International offers a merchant account, a virtual terminal and a payment gateway through LinkPoint Services. CardService International uses LinkPoint rather than Authorize.net is because they own LinkPoint. So they not only act as the provider for their own gateway, but also provide all of the customer support for their product. This company has the power to provide you with the best possible service in several arenas.

P.O.S./Swiper Based:  

CardService offers a choice between three different Point-of-Sale models for physical store locations. They don't offer a shopping cart with their services, but provide a link to a separate page where a shopping cart is available.

Summary:  

Overall, CardService International is an outstanding credit card processing service. With no startup fee and a low monthly cost. CardService International will provide you with the best overall service for all your credit card processing needs.