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TopTenREVIEWS - Gold Award - Awarded for excellence in design, useability and feature set

Flagship Merchant Services is an outstanding credit card processing company, and our TopTenREVIEWS Gold Award winner. Flagship makes it easy with a paperless application process, 98% approval rating and low fees. Once your account is setup, you will receive your money from your sales two days after the transaction is complete. With Flagship Merchant Services there is no start-up fee. Another advantage is that you can operate with them based on a month-to-month agreement instead of the two-to-three year contract that is typical of most other credit card processing services. This completely eliminates the risk of early termination or closure fees.

Average Approval Rating:
10/10
Compare
Flagship Merchant Services
Merchant Warehouse
National Bankcard
Leaders Merchant Services
Chase Paymentech
Merchant One
E-Commerce Exchange
The Transaction Group
goEmerchant Merchant Accounts
Gotmerchant
10
10
9.8
9.8
9.8
9.4
9.4
8.8
8.8
8.1

Flagship Merchant Services has a 98% approval rating of all their applicants—one of the highest approval ratings in the credit card processing industry. Flagship Merchant Services does not charge an application fee.

Cost Per Month*:
10/10
Compare
Flagship Merchant Services
Merchant Warehouse
National Bankcard
Leaders Merchant Services
Chase Paymentech
Merchant One
E-Commerce Exchange
The Transaction Group
goEmerchant Merchant Accounts
Gotmerchant
10
10
10
9.3
9
8.8
7.5
7.5
7.5
8.1

Flagship Merchant Services has one of the lowest monthly costs, depending on the amount of business and the number of charge backs. They include a $7.95 monthly payment gateway fee, $7.95 Statement fee and a 0.98-1.98% discount rate for card not present and 0.38-1.58% for card present, with a $0.19 transaction fee.

Startup Cost:
10/10
Compare
Flagship Merchant Services
Merchant Warehouse
National Bankcard
Leaders Merchant Services
Chase Paymentech
Merchant One
E-Commerce Exchange
The Transaction Group
goEmerchant Merchant Accounts
Gotmerchant
10
10
9.8
9.4
9.4
7.5
8.8
8.8
7.5
5

In order to sign up for Flagship credit card processing services, all you have to do is fill out an application – processing is free. After that, simply pay your monthly fees.

Account Setup Time:
10/10
Compare
Flagship Merchant Services
Merchant Warehouse
National Bankcard
Leaders Merchant Services
Chase Paymentech
Merchant One
E-Commerce Exchange
The Transaction Group
goEmerchant Merchant Accounts
Gotmerchant
10
9.8
10
9.4
10
7.5
7.5
7.5
7.5
8.1

Flagship Merchant Services has one of the fastest turnaround time due almost entirely to its paperless application process. The vendor can approve your application within one day of receiving it. Some other credit card processing companies require a wait of four-to-six days while communicating with underwriters.

Customer Service:
10/10
Compare
Flagship Merchant Services
Merchant Warehouse
National Bankcard
Leaders Merchant Services
Chase Paymentech
Merchant One
E-Commerce Exchange
The Transaction Group
goEmerchant Merchant Accounts
Gotmerchant
10
10
9.8
9.4
7.5
9.4
7.5
8.8
7.5
8.1

The customer service is excellent. All merchants are given a toll-free number they can call 24/7 for technical support or general customer support.

For sales, you can contact Flagship using several methods, including phone (866) 838-0199, email or a "request more info" form. When we contacted Flagship Merchant Services, we were instantly connected to a sales representative who answered all our questions. Sales representatives are available Monday-Friday 9 am to 8:30 pm EST.

Internet Based Features:
10/10
Compare
Flagship Merchant Services
Merchant Warehouse
National Bankcard
Leaders Merchant Services
Chase Paymentech
Merchant One
E-Commerce Exchange
The Transaction Group
goEmerchant Merchant Accounts
Gotmerchant
10
8.8
7.5
9.4
7.5
9.4
9.4
7.5
8.8
8.1

Flagship Merchant Services offers a merchant account, a virtual terminal and a payment gateway through Authorize.net. Established in 1996, Authorize.net has a great track record of providing merchants with payment gateway services. Authorize.net is one of the most trusted and most used payment gateway services available.

P.O.S./Swiper Based:
10/10
Compare
Flagship Merchant Services
Merchant Warehouse
National Bankcard
Leaders Merchant Services
Chase Paymentech
Merchant One
E-Commerce Exchange
The Transaction Group
goEmerchant Merchant Accounts
Gotmerchant
10
10
9.8
6.3
9.4
9.4
7.5
7.5
7.5
7.5

Flagship Merchant Services offers a choice between three different Point-of-Sale models for physical store locations. It doesn't offer a shopping cart with its services, but provides a link to a separate page where a shopping cart is available.

Summary:

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

 
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Flagship Merchant Services

Pros
High approval rating, low fees and a quick, paperless and free application process.

Cons
Online application is applicable only to U.S. based businesses.

The Verdict
: 10/10

Low fees, no contracts and great flexibility make this the best credit card processing service available. To get a personalized quote for your business call (866) 838-0199.