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The 10 Best Online Credit Card Payment Processors For Small Business

Processors on this list serve high-risk, high-volume, low-volume, international, or new businesses, among other criteria.

    Jason Vissers
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Know more about 6 best online credit card processing companies

Are you an entrepreneur looking to start your first eCommerce business? Or perhaps you have a brick-and-mortar store and want to start selling online as well (maybe due to the pandemic). Either way, if you’re an eCommerce newbie and want the latest information on how to get started with online credit card processing, you’re reading the right article.

This comprehensive list of the best online payment processors is a great place to start your research. Now, if you already run a physical store and accept credit cards, you may be considering using your current processor, as it probably offers eCommerce in some form. However, eCommerce businesses usually have unique needs that not all processors focus on. Rates, quality of service, reliability, and other features should all be considered when looking for online credit card processing. You may also have to make tradeoffs specific to your business type for some of these categories.

Fortunately, there are more options than ever when choosing online payment processing providers. Your choices range from traditional merchant accounts to third-party, pay-as-you-go processors.

Keep reading for our list of the best online payment processors. We’ll also discuss other general considerations when launching an eCommerce venture.

Learn More About Our Top Picks

CompanyHighlightsNext StepsHighlights
PaymentCloud

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  • Best for high-risk businesses
  • Low-risk accounts are available
  • Best for high-risk businesses
  • Low-risk accounts are available

Visit Site

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Stax by Fattmerchant

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  • Best for high-volume businesses
  • Subscription-based pricing exclusively
  • Best for high-volume businesses
  • Subscription-based pricing exclusively

Visit Site

Read More

Helcim

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  • Best for an all-in-one platform
  • Available in Canada
  • Exclusively uses interchange-plus pricing
  • Best for an all-in-one platform
  • Available in Canada
  • Exclusively uses interchange-plus pricing

Visit Site

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Dharma Merchant Services

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  • Best for nonprofits
  • Exclusively uses interchange-plus pricing
  • Outstanding transparency
  • Best for nonprofits
  • Exclusively uses interchange-plus pricing
  • Outstanding transparency

Visit Site

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CDGcommerce

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  • Best for low rates
  • Scales well to different transaction volumes
  • Adequate toolset for most small businesses
  • Best for low rates
  • Scales well to different transaction volumes
  • Adequate toolset for most small businesses

Visit Site

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Other Featured Options:

  • Square:
    • Best for businesses with low-volume brick-and-mortar sales
    • Free online store
    • Powerful all-in-one service
  • Durango Merchant Services:
    • Best for offshore merchant accounts
    • Dedicated account manager for clients
  • Authorize.Net:
    • Best for merchants dissatisfied with their current gateway
    • Excellent customer support
  • Stripe Payments:
    • Best for multiple payment method support
    • Great for international sales
    • Many sophisticated custom integrations offered
  • Shopify Payments:
    • Best for multiple sales channels
    • Wide variety of integrations

Read more below to learn why we chose these options.

What You Need To Know About Online Payment Processing

Let’s summarize the three main requirements to launch your own online store.

1) A Payment Processor

Online payment processors fall into two categories:

2) A Payment Gateway

A payment gateway is what allows you to accept online credit card payments; you can’t sell online without one. Third-party processors like PayPal and Stripe combine their services with a built-in gateway. Meanwhile, merchant account providers may have their own gateways available for an additional fee, or they may set you up with a different gateway provider. Check out How To Use A Payment Gateway To Process Credit Card Payments for more information.

3) A Shopping Cart/Website

eCommerce software (a.k.a. a “shopping cart”) is used to build online stores. It generally comes in two forms: Software-as-a-Service (SaaS) or self-hosted. For a monthly fee, SaaS shopping carts offer web hosting and storage, SSL certificates, and other tools to build and maintain a website. Self-hosted solutions are typically free to download and offer a lot of paid features and customizability — if you have the technical know-how to pull it off. Read Shopping Carts 101: How To Choose A Shopping Cart For Your Business; Questions To Ask Before You Commit To A Shopping Cart for a closer look.

Note: In addition to the resources above, our Complete Guide To Processing Payments Online: Website Credit Card Processing, Invoices, & More contains great advice regarding these three essential eCommerce components. Also, check out How To Start A Successful eCommerce Business In 8 Easy Steps for a broader range of eCommerce business advice.

The 10 Best Online Credit Card Processing Companies

While the best online credit card processors for any given business will vary by your needs, these companies collectively offer the most value for your money. Our current picks for the best online payment processing services include PaymentCloud, Square, and Shopify Payments, among others.

1. PaymentCloud

PaymentCloud



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Pros

  • Reasonable rates and fees
  • Free credit card terminal
  • Excellent customer support
  • Shopping cart integration

Cons

  • No publicly disclosed pricing
  • High-risk businesses will likely have a monthly minimum

Just because your business is high-risk doesn’t mean you shouldn’t have access to top-quality processing. PaymentCloud is a great option for businesses in high-risk industries. It comes highly recommended by esteemed low-risk providers such as Dharma Merchant Services, which refers high-risk applicants to PaymentCloud.

Like many other high-risk specialists, PaymentCloud doesn’t provide pricing information in advance. Companies like PaymentCloud shop your profile around to various back-end processors to get you the best possible deal. Typically, this means tiered pricing, monthly minimums, and contracts (at least initially), but you can expect to be treated fairly by PaymentCloud. The company also offers low-risk services at a monthly fee of $15, with interchange-plus pricing.

For eCommerce credit card processing specifically, PaymentCloud offers a gateway via Authorize.Net or USAePay. However, you can use any compatible gateway you want. You’ll also get shopping cart integration along with eCheck and ACH processing.

Get Started with PaymentCloud

Read our in-depth review

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2. Stax By Fattmerchant

Stax by Fattmerchant



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Pros

  • Transparent wholesale pricing
  • No long-term contract
  • Next-day funding option available
  • QuickBooks integration

Cons

  • US merchants only
  • Not suitable for low-volume businesses

Interchange-plus pricing is the best pricing model for most businesses as it is both transparent and (usually) cost-effective. However, there’s another pricing model that deserves appreciation, and it’s the one offered by Stax by Fattmerchant. Stax deals exclusively in subscription-based (a.k.a. wholesale) pricing.

While Stax isn’t eCommerce-focused per se, it does offer a free customizable shopping cart, integrations with several of the most popular shopping carts and gateways, and a respectable API for those who want to tinker around with some code.

Stax eCommerce is bundled with the Stax Pay integrates payments platform and costs from $99-$199/month depending on which of the three subscription tiers you choose. For transactions, you’ll pay 0% markup on direct-cost interchange (pricing for merchants processing more than $5 million annually is quote-based).

Get Started with Stax by Fattmerchant

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3. Helcim

Helcim



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Helcim is now available with NO MONTHLY FEE. Start Here!

Pros

  • Exclusive interchange-plus processing rates
  • No long-term contracts or early termination fees
  • No monthly account fees
  • Excellent customer support

Cons

  • Not cost-effective for merchants processing less than $1,500 per month
  • Not suitable for high-risk industries

Helcim is our pick for the best all-in-one platform provider on account of its Helcim Commerce integrated payments platform. The platform combines the functions of a payment gateway with other ancillary services that you’ll need to run your online business. Helcim Commerce supports recurring billing and includes a customer information database. Tokenization, inventory management, and other features critical to running an online business are also built-in.

Helcim offers payment processing services to US and Canadian merchants. It gives you month-to-month billing with no long-term commitment and no additional cost to close your account. Helcim charges no monthly account fee, no monthly minimum, and no PCI compliance fee. Incidental fees are reasonable and published on Helcim’s website.

Helcim uses interchange-plus pricing exclusively. Further pricing details are as follows:

  • Processing rates start at interchange + 0.50% + $0.25 per transaction, with significantly lower rates available to high-volume merchants and nonprofits
  • eCheck/ACH processing is also available for an additional $25 per month plus $0.25 per transaction

Get Started with Helcim

Read our in-depth review

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4. Dharma Merchant Services

Dharma Merchant Services



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Pros

  • Interchange-plus pricing offered exclusively
  • No annual fee or monthly minimum
  • Month-to-month billing with no early termination fees
  • Outstanding sales transparency and highly ethical business practices

Cons

  • Not recommended for businesses processing less than $10,000 per month
  • No support for high-risk or international merchants

Dharma Merchant Services — a long-time Merchant Maverick favorite — is our choice for the best nonprofit processor. Dharma offers discounted pricing for nonprofit organizations and partners with 4aGoodCause to provide nonprofits with donation pages and event registration services. Dharma also gives a special discount to high-volume B2B merchants processing over $100,000/month, making it a great choice for those in the B2B sector.

As a part of its eCommerce offerings, Dharma uses MX Merchant as its integrated payments platform. This all-in-one service combines the features of a payment gateway and a virtual terminal into a single product. You’ll have access to online reporting, a customer information database, and even a mobile processing app. You can add optional services for an additional fee, such as recurring billing and eCheck/ACH payment processing.

  • For eCommerce payment processing, Dharma ordinarily charges interchange + 0.20% + $0.11 per transaction (interchange + 0.30% + $0.11 per transaction for American Express).
  • For an extra $20/month, online merchants processing a monthly volume of $100,000 or more get access to discounted interchange-plus rates of interchange + 0.10 % + $0.11 per transaction (interchange + 0.20% + $0.11 per transaction for American Express). This high-volume plan supports the use of Level II and III processing data for B2B transactions, so it can potentially lower your interchange rates and save you even more money.
  • Dharma charges a flat $25 monthly fee for eCommerce accounts.

Get Started with Dharma Merchant Services

Read our in-depth review

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5. CDGcommerce

CDGcommerce



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Pros

  • Free payment gateway and virtual terminal
  • Month-to-month billing with no early termination fees
  • Excellent customer service and support
  • Scales well

Cons

  • Only available to US-based merchants

CDGcommerce gives you all the standard features you’d expect in an online credit card processing company. While these features might not always be the most advanced available, they’re all very good.

With CDGcommerce, you get your choice of free payment gateways, including Authorize.Net and the company’s proprietary Quantum Gateway. In other words, you should be covered for nearly endless integrations. There are no setup fees, monthly fees, or per-transaction fees for the use of the gateways. You get a virtual terminal at no extra charge as well as detailed online reporting. If you have a physical store, CDGcommerce can support your credit card terminal, countertop POS, or mobile POS as well. It also offers 24/7 phone support.

CDGcommerce uses different pricing schemes depending on your sales volume. For online processing, the Simple plan (monthly volume from $1,000-$10,000) charges:

  • 2.9% + $0.30 per transaction, with an American Express surcharge of 0.25%
  • There are no other fees — this flat-fee plan is meant to compete with third-party processors but eventually gives you a merchant account

For the Interchange Plus plan (monthly volume between $10,000 and $200,000), merchants get:

  • Interchange fees + 0.30% + $0.15 per transaction
  • Nonprofits get interchange + 0.20% + $0.10 per transaction
  • Still no monthly fee

The Subscription plan (monthly volume over $200,000) has several tiers:

  • Membership prices range from $49/month to $199/month, each tier capped by processing volume, and the “monthly” membership fees must be paid in one lump sum on a per-year basis
  • Rates from interchange + $0.10 per transaction to interchange + $0.05 per transaction, depending on the monthly membership price

Get Started with CDGcommerce

Read our in-depth review

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6. Square

Square



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Pros

  • Impressive feature set
  • Predictable flat-rate pricing
  • No (mandatory) monthly fees
  • Available to Canadian businesses
  • Strong POS support

Cons

  • Account stability issues
  • Advanced features require a monthly fee

Square may be known best for its convenient POS hardware and expansive support software for small businesses, and indeed, that’s where its strengths lie. That said, Square does offer respectable eCommerce support and infrastructure that includes a free online store and shopping cart support. These can be ideal for businesses that are primarily brick-and-mortar but also do a portion of their business online.

Square is a great all-in-one solution for businesses that do a relatively low volume of transactions. And while eCommerce may not be Square’s primary focus, what it offers should be more than enough for businesses that dabble in online sales.

Square uses a flat-rate pricing model for all of its transactions, charging 2.9% + $0.30 per transaction — roughly the standard industry flat-rate fee for online payments. Square gives you a lot for “free,” including its classic magstripe card reader for mobile devices, a payment gateway, and a virtual terminal, but monthly fees are required for some of the meatier software.

Get Started with Square

Read our in-depth review

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7. Durango Merchant Services

Durango Merchant Services



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Pros

  • Specialists in placing high-risk and other hard-to-place merchants
  • Offers offshore merchant accounts for some international merchants
  • Fair pricing and excellent contract terms
  • Dedicated account manager for customer service

Cons

  • No pricing disclosures on the website

Durango Merchant Services is our top pick for high-risk businesses needing online merchant credit card processing. Durango also offers offshore merchant accounts for international merchants.

Unlike the other online credit card processing companies featured here, Durango doesn’t advertise any pricing information or contract terms on its website. Because Durango works with so many back-end processors to get you set up with an account, all of these factors will be highly variable and subject to negotiation.

Unfortunately, you should fully expect to pay higher processing rates than a similar low-risk business. You should also anticipate being placed on a tiered pricing plan, although interchange-plus is sometimes available. Don’t expect month-to-month billing, either. While these aren’t great terms, in an industry riddled with less-than-ethical service providers, Durango is one of the few high-risk providers that enjoys an excellent reputation for fair prices and contract terms.

Get Started with Durango Merchant Services

Read our in-depth review

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8. Authorize.Net

Authorize.Net



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Pros

  • Broad support for multiple currencies
  • Strong security and anti-fraud features
  • Month-to-month billing with no long-term contracts
  • Flat-rate pricing

Cons

  • All-in-one option may confuse some customers
  • May be cheaper to use Authorize.Net with another merchant account provider

Authorize.Net sets the standard when it comes to standalone payment gateways. From basic features like fraud prevention filters to more advanced offerings like mobile payments and eCheck processing, Authorize.Net offers just about everything you could require of a payment gateway.

Of course, to sell online, you’ll need more than just a payment gateway — you’ll need a payment processor and shopping cart as well! As it happens, when you go through the company directly, Authorize.Net is offered both on a standalone basis and as part of a gateway + merchant account combo package. However, we don’t recommend signing up for Authorize.Net directly at all, as you can get it through another merchant services provider (such as Payment Depot) for less than what you’ll pay if you go the direct route.

If you prioritize quality customer service, know that Authorize.Net’s reputation for customer support is second to none.

Get Started with Authorize.Net

Read our in-depth review

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9. Stripe Payments

Stripe Payments



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Pros

  • Excellent developer tools
  • Predictable flat-rate pricing
  • Advanced reporting, marketplace, and subscription tools
  • Can take international transactions

Cons

  • Account stability issues
  • Needs technical skill to implement

Stripe Payments has always been closely tied to the world of internet commerce. Other PSPs like Square and PayPal are easier to use when you’re just starting your eCommerce business. But if you’re planning to use a web developer to design a top-of-the-line, slick-looking web store (and/or adding in-app payment functions), Stripe gives you more tools to integrate into your platform.

Stripe is open to merchants worldwide with numerous currency options and support for numerous alternative payment methods and local payment options across North America, Europe, and Asia. You’ll also find a great selection of marketplace tools and recurring billing options. Stripe gives you a gateway (only usable if you use Stripe for payment processing), a hosted payment page, PCI compliance, invoicing, and the ability to migrate your customer data if you ever decide to leave. Sadly, Stripe doesn’t support a virtual terminal.

  • Stripe charges just 2.9% + $0.30 per transaction. There’s no monthly fee, no monthly minimum, and no PCI compliance fee.
  • Stripe also offers ACH payments at 0.8% that cap at $5 per month for ACH debit and $1 per ACH credit payment. However, you will pay small fees to access Stripe Billing, which includes subscription management, recurring billing tools, and Sigma, Stripe’s SQL-based custom reporting system.

Get Started with Stripe Payments

Read our in-depth review

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10. Shopify Payments

Shopify Payments



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Pros

  • Predictable flat-rate pricing
  • Multicurrency acceptance
  • Sync data from multiple sales channels
  • Can take international transactions

Cons

  • Account stability issues
  • A monthly fee is charged

If you’re building an online store with Shopify, using Shopify Payments for website payment processing is a no-brainer for the simple fact that it’s the only way you can avoid paying a Shopify per-transaction fee of .5%-2% (on top of the processing fee) with each sale. However, if you’re building a non-Shopify online store, you can still subscribe to Shopify Lite to add buy buttons to your site.

Using Shopify Lite with your existing online store can be beneficial, particularly for merchants who sell items on Amazon, eBay, and/or other sales channels. You’ll be able to sync and manage your listings in a single location, and you can generate all your sales data and shipping through Shopify. And with the numerous integrations Shopify offers for dropshippers and suppliers, eCommerce merchants have a lot of reasons to like Shopify. As for costs:

  • Shopify Lite costs $9/month to use
  • You’ll pay 2.9% + $0.30 per transaction in online processing fees

Get Started with Shopify Payments

Read our in-depth review

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What You Should Look For In Online Merchant Services

We thought we should examine some eCommerce-specific issues related to online merchant services:

  • Pricing: Online credit card sales are all card-not-present (CNP) sales, and as such, they normally cost more per transaction than card-present sales. That said, you’ll still want to minimize your per-transaction fees. Flat-rate pricing is fine for low-volume merchants. Higher-volume merchants should try to get interchange-plus or wholesale pricing. Avoid tiered pricing if possible. Lastly, I highly recommend reading our definitive guide to credit card processing fees for a comprehensive look at merchant services pricing.
  • Fraud Detection Tools: Given that CNP transactions have higher incidences of fraud, fraud detection naturally becomes more important for online businesses. While most credit card associations have fraud detection tools, it’s not a bad idea to consider additional fraud protection, whether offered as a part of the standard package or available for an extra fee.
  • Ease Of Use/Technical Knowledge: You should also consider how easy/hard it might be to integrate a particular processor into your web store. If you’re technologically inclined, you might not be worried about buying a domain, building a website, or loading your products or services onto the site. If you’re not, choose a provider with good shopping cart integrations.
  • Merchant Account VS PSP: One of the first things you must decide is whether you should use a traditional merchant account provider or a payment services provider/third-party processor. It takes longer to apply with a merchant account provider, but you tend to have better account stability once you’re approved. In contrast, you could be approved for processing with a PSP in just a few minutes, but you might have to deal with more frequent occurrences of account holds, freezes, or even terminations in the future.
  • Alternative Payment Methods: Credit and debit cards are far from the only payment method for online businesses. Ask yourself whether your customers would prefer to use any alternative methods and consider implementing the ones you think they’d use. ACH processing is relatively common (and popular among B2B companies), but it’s not always offered as part of a standard credit card processing contract.
  • Reliability & Customer Support: You should expect both reliability and excellent customer support from your payment processor as well as your shopping cart/recurring billing provider. See if the available support channels match your preferences. The more reports there are that tell a consistent story, the more confident you can be in their accuracy.

How To Choose The Best eCommerce Credit Card Processor For Your Small Business

If you want to start an eCommerce business, you’ll find a boatload of competent online payment processing providers to facilitate your sales. You might be just getting started and need a flexible, pay-as-you-go provider with no minimums. Or you could already have a high volume of transactions and want a better processing rate or a more reliable processor. Either way, this list is a good starting point in searching for eCommerce payment processing.

Don’t compare on price alone, though! Be sure to consider all the features you need as well as compatibility with shopping carts and other services you may use in your business. Keep an eye on what features you absolutely must have right now as well as what you anticipate needing further down the road as your business grows.

What are your favorite online payment solutions? What have your experiences with the processors on this list been like? We’d love to hear your feedback, so leave us a comment below if you have a question or opinion on the matter.

You may also want to check out the following helpful resources:

In Summary: The 10 Best Online Credit Card Processing Companies

  1. PaymentCloud:
    • Best for high-risk businesses
    • Low-risk accounts are available
  2. Stax by Fattmerchant:
    • Best for high-volume businesses
    • Subscription-based pricing exclusively
  3. Helcim:
    • Best for an all-in-one platform
    • Available in Canada
    • Exclusively uses interchange-plus pricing
  4. Dharma Merchant Services:
    • Best for nonprofits
    • Exclusively uses interchange-plus pricing
    • Outstanding transparency
  5. CDGcommerce:
    • Best for low rates
    • Scales well to different transaction volumes
    • Adequate toolset for most small businesses
  6. Square:
    • Best for businesses with low-volume brick-and-mortar sales
    • Free online store
    • Powerful all-in-one service
  7. Durango Merchant Services:
    • Best for offshore merchant accounts
    • Dedicated account manager for clients
  8. Authorize.Net:
    • Best for merchants dissatisfied with their current gateway
    • Excellent customer support
  9. Stripe Payments:
    • Best for multiple payment method support
    • Great for international sales
    • Many sophisticated custom integrations offered
  10. Shopify Payments:
    • Best for multiple sales channels
    • Wide variety of integrations
Jason Vissers

Jason Vissers

Expert Analyst & Reviewer at Merchant Maverick
Jason Vissers has been researching, analyzing, and writing about small business software and finance since 2015. His financial expertise has been cited in numerous publications, including The Ladders. Jason graduated with a Political Science degree from San Diego State University in 2001.
Jason Vissers
View Jason Vissers's professional experience on LinkedIn.

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19 Comments

Responses are not provided or commissioned by the vendor or bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the vendor or bank advertiser. It is not the vendor or bank advertiser's responsibility to ensure all posts and/or questions are answered.

    Harith Motoshiromizu

    This website and blog are exceptionally amazing and great to see and we Know there are more card handling organizations we can look over out there however you’ve gathered together the absolute best among them..

      This comment refers to an earlier version of this post and may be outdated.

      Dennis M. Oates

      I need virtual terminal gateway whereby i can keyed in the transaction manually on my pc.

        This comment refers to an earlier version of this post and may be outdated.

        Jessica Dinsmore

        Hi Dennis,

        Square would be the best option. Payline has one as part of its mobile plan too.

          This comment refers to an earlier version of this post and may be outdated.

          Stella Gaunson

          Your site and blog are very impressive and good to see. And also thanks for sharing this informative blog.

            This comment refers to an earlier version of this post and may be outdated.

            Robert

            We currently use Open Edge , a division of globalpayments, what are thoughts concerning this company, charges, customer service , features and capability to work with other software features ?

            Thanks
            Robert

              This comment refers to an earlier version of this post and may be outdated.

              Jessica Dinsmore

              Hi Robert,

              Unfortunately, we haven’t yet reviewed OpenEdge, but we do make several references to it, in our Global Payments Review that you might find helpful.

                This comment refers to an earlier version of this post and may be outdated.

                Joe

                What are your thoughts on PayJunction?

                  This comment refers to an earlier version of this post and may be outdated.

                  Jessica Dinsmore

                  Hi Joe,

                  You can check out our in-depth review of PayJunction here.

                    This comment refers to an earlier version of this post and may be outdated.

                    Ron Zanetti

                    How does Magento fit in with these providers?

                      This comment refers to an earlier version of this post and may be outdated.

                      Liz Hull

                      Hi Ron,

                      Sellers who use Magento mostly add payment processors via pre-built integrations. These integrations let you connect your Magento account with a payment solution without doing any development. You can find these integrations for purchase in the Magento Marketplace.

                      If your favorite payment processor does not have a pre-built integration or gateway available in the Magento Marketplace, you can hire a developer to build a connection on your behalf. Keep in mind that this can be very expensive.

                      I hope that answers your question!

                      Best,

                      Liz

                        This comment refers to an earlier version of this post and may be outdated.

                        Thomas

                        Do you know anything about Cardinity.com? Planning to try their payment solution.

                          This comment refers to an earlier version of this post and may be outdated.

                          Jessica Dinsmore

                          Hi Thomas,

                          Unfortunately, we have not reviewed Cardinity, so we can’t confidently give an assessment one way or the other. That said, here is a great merchant account comparison chart of vendors we have reviewed. Best of luck to you!

                            This comment refers to an earlier version of this post and may be outdated.

                            Dennis Hoyt

                            Melissa / Jessica – Do you have a review of Vantage Payments? I have not seen one for them on your website.
                            Thank-you.

                              This comment refers to an earlier version of this post and may be outdated.

                              Jessica Dinsmore

                              Hi Dennis,

                              Thank you for writing! Unfortunately, we have not reviewed Vantage Payments, so we can’t confidently give an assessment one way or the other.

                                This comment refers to an earlier version of this post and may be outdated.

                                Ed lich

                                Why no mention of Ayden? The one replacing paypal on ebay. Seems if good enough for paypal they would be among the top ten.

                                  This comment refers to an earlier version of this post and may be outdated.

                                  Jessica Dinsmore

                                  Hi Ed,

                                  We actually DO have a review of Adyen! They are worth looking into, for sure. Thanks for the suggestion!

                                    This comment refers to an earlier version of this post and may be outdated.

                                    Ryan Stewart

                                    This a good guide for starters. Doing it right from the start will save you fees. I’m sure there are more card processing companies we can choose from out there but you’ve rounded up some of the best among them. Definitely worth reading.

                                      This comment refers to an earlier version of this post and may be outdated.

                                      Mike

                                      What about integrating into an existing merchant processor like TSYS or Chase or Global. Would their ecommerce MID rates be competitive?

                                        This comment refers to an earlier version of this post and may be outdated.

                                        Chloe Bahal

                                        Hi Mike,

                                        You can get comparison quotes at CardFellow. I hope this helps and if you have further questions please let us know.

                                          This comment refers to an earlier version of this post and may be outdated.

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                                        We Recommend Stax by Fattmerchant 🏆

                                        We love Fattmerchant as a credit card processor for its predictable pricing, excellent service, and integrated billing features. For a limited time, get your first month free, a free credit card terminal, and no markup fees on your first $5,000 transacted when you sign up with our links. Offer expires 12/31/2021.

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                                        Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity. The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.

                                        The vendors that appear on this list were chosen by subject matter experts on the basis of product quality, wide usage and availability, and positive reputation.

                                        Merchant Maverick’s ratings are editorial in nature, and are not aggregated from user reviews. Each staff reviewer at Merchant Maverick is a subject matter expert with experience researching, testing, and evaluating small business software and services. The rating of this company or service is based on the author’s expert opinion and analysis of the product, and assessed and seconded by another subject matter expert on staff before publication. Merchant Maverick’s ratings are not influenced by affiliate partnerships.

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