is a respectable payment processor. Its transaction rates are reasonable, as are the monthly statement and gateway fees. The company is very open about its pricing and fees, and it posts this information on its website. However, you should be sure to enquire about the PCI-compliance fee because it can range from no charge to an expensive yearly fee depending on the sponsoring bank that the company uses to set up your credit card processing service.

It's free to apply for a merchant account, and you can fill out and sign the application online. has a very high approval rating, approving 99 percent of the merchant account applications that it receives. It can setup your account within one to two days. There's no setup fee and there's no contract on your merchant account. If, however, you accept a free point of sale system, you will be tied to a contract that carries a cancellation penalty so that the company can recoup the cost of the equipment. If you decide to cancel your merchant account, the company requires you to give it a 90-day notice. is compliant with the security protocols established by the Payment Card Industry. In order to help you prevent credit card fraud, it provides address verification, card verification value (CVV2) authentication and encrypted transactions from your system to the credit card companies using secure socket layer (SSL) technology. It takes between one and three days for to clear the account and deposit transaction funds into your bank account, which is a little longer than most of the processors we reviewed.

Using your account, you can accept payments made using all major credit and debit cards. You can also accept EMV chip cards and NFC mobile wallets like Apple Pay, Google Wallet and Softcard using the free credit card terminal that gives you. Other free terminal choices include a wireless terminal, a cash register with integrated processing or a mobile credit card reader that you can use if you want mobile credit card processing. The company uses the Authorize payment gateway service and provides a shopping cart for your online transactions.

When you need customer support, you can contact your dedicated account rep directly. You can also call the company's toll-free, 24/7 customer service number. Summary:
7.6/10 is a respectable payment processor that provides you with reasonable rates and several equipment options, many of which are free. You do want to make sure that you understand the terms of your credit card processing package and that you enquire about all fees and obligations.

There's no contract as long as you don't accept a free point of sale system from this company.

You have to enquire about the PCI-compliance fee when you're setting up your account.

The Verdict:
 7.6/10 is a respectable choice of payment processor that provides you with reasonable rates and several equipment options, including some that are free.