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

When you look at Flagship Merchant Services from the standpoint of affordability, service terms, features and customer service, it's clear that it is one of the best credit card processing services on the market. For this reason, it earns our Top Ten Reviews Gold Award. It's easy to apply for an account with Flagship Merchant Services because its application is online. Applications are quickly approved and accounts can be setup as soon as the same day you apply.

Pricing & Fees
Compare
9.8/10
Flagship Merchant Services
CreditCard Processing.com
National Bankcard
Chase Paymentech
Leaders Merchant Services
E-Commerce Exchange
Merchant One
Merchant Warehouse
Charge.com
FreeAuthNet
9.8
10
8.1
9.1
8.8
7.3
6.9
7.3
6.9
6.9

Pricing is a key deciding factor when you're shopping for a credit card processor, and Flagship Merchant Services' swiped, keyed-in and per-transaction fees are very low. This pricing structure is especially favorable if you run a high proportion of debit cards. The monthly fees for gateway access and statements are relatively low, as is the monthly minimum dollar amount of transactions that you need to process in order to avoid incurring a monthly minimum fee.

Service Terms
Compare
10/10
Flagship Merchant Services
CreditCard Processing.com
National Bankcard
Chase Paymentech
Leaders Merchant Services
E-Commerce Exchange
Merchant One
Merchant Warehouse
Charge.com
FreeAuthNet
10
10
10
8.3
7.5
10
8.8
8.4
8.1
8.1

Most of the credit card processors we reviewed approve a high percentage of applicants, and Flagship Merchant Services is on par with the best in the industry, approving a robust 98 percent of all applicants. With many of the merchant account services we reviewed, it can take two or three business days to set up a new account; however, Flagship Merchant Services can set you up the same day you apply. It's free to apply and there are no setup fees. Flagship Merchant Services is unique because it doesn't require you to sign a long-term contract and there's no cancellation fee so you can terminate the service at your convenience without worrying about incurring a costly penalty.

Features
Compare
10/10
Flagship Merchant Services
CreditCard Processing.com
National Bankcard
Chase Paymentech
Leaders Merchant Services
E-Commerce Exchange
Merchant One
Merchant Warehouse
Charge.com
FreeAuthNet
10
7.5
10
8.8
10
8.1
10
8.8
7.5
7.5

Flagship Merchant Services is compliant with the security measures established by the Payment Card Industry (PCI) to protect against fraud. Security features include address verification, which helps you verify customer identity before authorizing a transaction; secure socket layer (SSL) encryption that applies to every transaction to prevent hackers from capturing transaction details; and card verification value (CVV2), the three- or four-digit number printed on the credit card that helps the you ensure that the purchaser is in physical possession of the card.

Make sure that you work with your Flagship Merchant Services account rep to establish your PCI compliance. By responding to an annual questionnaire and allowing a quarterly security scan by an approved scanning vendor, you can avoid costly non-compliance fees.

A payment gateway is necessary in order to verify transactions in real time. Flagship Merchant Services uses Authorize.net as its payment gateway service provider. Flagship Merchant Services can clear a payment and deposit funds into your bank account within one day.

Flagship Merchant Services provides brick-and-mortar retailers with a physical point-of-sale (POS) terminal, which allows you to swipe credit cards on site. It offers shopping carts for online stores and allows you to accept eChecks. If you want to take advantage of mobile credit card processing, Flagship Merchant Services will give you a free mobile credit card reader that you can use with your mobile phone. Your representative will train you to use the credit card processing equipment that you select.

Accepted Payment Types
Compare
10/10
Flagship Merchant Services
CreditCard Processing.com
National Bankcard
Chase Paymentech
Leaders Merchant Services
E-Commerce Exchange
Merchant One
Merchant Warehouse
Charge.com
FreeAuthNet
10
10
10
10
10
10
8.8
10
10
8.8

Using your Flagship Merchant Services account, you can accept credit card payments made using Visa, MasterCard, Discover and American Express credit and debit cards. You can choose from various credit card readers to use with your Flagship Merchant Services account, including options that accept NFC payments, like Apple Pay and Google Wallet, and EMV smartcards. There are equipment options specific to retail and restaurant establishments as well as for processing transactions via telephone or mail order. Flagship Merchant Services can also help you with eCommerce credit card processing. Your account representative will consult with you to discuss your options and help you choose the best reader for you businesses.

Help & Support
Compare
8.8/10
Flagship Merchant Services
CreditCard Processing.com
National Bankcard
Chase Paymentech
Leaders Merchant Services
E-Commerce Exchange
Merchant One
Merchant Warehouse
Charge.com
FreeAuthNet
8.8
8.8
8.8
8.8
10
8.8
10
8.1
8.8
8.8

Flagship Merchant Services provides you with a dedicated account rep who you can contact directly as well as a toll-free number you can call 24/7 for phone support. Flagship Merchant Services’ privacy policy demonstrates respect for its customers as it doesn't share your information with third parties, doesn't link your IP address to personally identifiable information and doesn't use cookies to store information on your computer.

Flagship Merchant Services Summary:
9.8/10

Whether you run a traditional retail store, operate a mail-order or telephone-order business or manage an eCommerce website, an account with Flagship Merchant Services equips you with the excellent features, low rates and continuously available customer service. Should you ever want to close your credit card processing account with Flagship Merchant Services, you can leave without penalty.

 
 
 

Flagship Merchant Services

Pros
Flagship Merchant Services offers credit card processing with low pricing and fees.

Cons
Only debit card transactions qualify for the lowest swiped fee.

The Verdict
: 9.78/10

Flagship Merchant Services is among the best credit card processing services available due to its highly competitive rates, no cancellation fee and prompt customer service.