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💳 Save money on credit card processing with one of our top 5 picks for 2022

8 Cheapest Credit Card Processing Companies & Low-Cost Merchant Services

There’s no one-size-fits-all solution for low-cost processing. No monthly fees can save some businesses money, while subscription pricing is the solution for others.

    Chris Motola
  • UPDATED

Advertiser Disclosure: Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity.
Cheapest credit card processing companies for small business

Credit card processing is a useful and indispensable part of many small businesses, but there’s no prize for overpaying for the service. You want the cheapest credit card processing you can get for your small business without sacrificing quality or security.

Ready to find the cheapest credit card processing options for your small business? Read on.

Learn More About Our Top Picks

CompanyHighlightsNext StepsHighlights
Square

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  • Cheapest For new & seasonal businesses
  • No monthly fee
  • Cheapest For new & seasonal businesses
  • No monthly fee

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National Processing

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  • Best for cheap, no-frills processing
  • Monthly fee starting at $9.95
  • Best for cheap, no-frills processing
  • Monthly fee starting at $9.95

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PaymentCloud

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  • Cheapest for high-risk businesses
  • Monthly fee starting at $15
  • Cheapest for high-risk businesses
  • Monthly fee starting at $15

Visit Site

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Host Merchant Services

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  • Cheapest for restaurants
  • Monthly fee starting at $14.99
  • Cheapest for restaurants
  • Monthly fee starting at $14.99

Visit Site

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Dharma Merchant Services

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  • Best for industry-specific pricing
  • Monthly fee starting at $20
  • Best for industry-specific pricing
  • Monthly fee starting at $20

Visit Site

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Helcim

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  • Best for interchange-plus pricing with no monthly fee
  • No monthly fee
  • Best for interchange-plus pricing with no monthly fee
  • No monthly fee

Visit Site

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Stripe Payments

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  • Best for credit card payment APIs
  • No monthly fee
  • Best for credit card payment APIs
  • No monthly fee

Visit Site

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Chase Payment Solutions

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  • Cheapest with no monthly fee
  • No monthly fee
  • Cheapest with no monthly fee
  • No monthly fee

Visit Site

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Read more below to learn why we chose these options.

Table of Contents

What Does It Mean To Have The Lowest Credit Card Processing Fees?

When you’re searching for the cheapest credit card processing for small businesses you’ll quickly discover that it’s hard to make apples-to-apples comparisons between many payment processors. That’s because there’s a lot of variation in the ways these companies charge for their services. Understanding these differences can help a merchant choose processors that are cheaper for them, even though they may not be the cheapest for every business.

Here are the two main types of credit card processing fees to bear in mind when it comes to cost. These aren’t the only fees you’ll encounter but the ones you’ll be facing most consistently. Generally speaking, newer and smaller businesses will want to minimize administrative fees, while growing and more established businesses will want to prioritize minimizing transaction fees.

Administrative Fees

These are fees that are charged, usually monthly, to keep your account open. Not every processor charges administrative fees.

Does that mean you should always choose a processor with no administrative fees?

If only it were that easy. While you don’t want to pay administrative fees if you can avoid them, many payment processors that offer a good economy of scale for high-volume merchants do charge administrative fees. These fees are standard with processors that offer interchange-plus pricing and especially subscription pricing, both of which are excellent pricing models for high-volume businesses.

Transaction Fees

These are fees that you pay every time a customer swipes their card. Obviously, you’ll want these to be as low as possible.

As is the case with administrative fees, though, you don’t want to get tunnel vision. Many third-party processors that offer excellent value to small and seasonal businesses have relatively high, flat-rate processing fees. On the other hand, they have few to no administrative fees.

The 8 Cheapest Credit Card Processing Companies For Small Business

When it comes to finding the cheapest merchant services, your business model, transaction size, and the type of card used all affect payments. But the type of fee structure and monthly fee will ultimately have the biggest effect on lowering your credit card processing fees.

1. Square: Cheapest For New & Seasonal Businesses

Square


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Get a free card swiper from Square at no cost when you create a free account. Claim your card reader.

Pros

  • Predictable flat-rate pricing
  • Affordable readers
  • A robust free feature set

Cons

  • Account stability issues
  • Not suitable for high-risk industries

View Square Details

Square Pricing

  • Monthly Fee: $0
  • Transaction Fees:
    • Card-Present: 2.6% + $0.10
    • Card-Not-Present: 2.9% + $0.30
  • Chargebacks: Normal transaction fee
  • No PCI compliance fees, gateway fees, early termination fees, PCI compliance fees, or setup fees
  • CBD business support available at higher processing rates (3.5% + $0.10 to 4.4% + $0.15)

Square Hardware & Software

  • Square Software Ecosystem: Offers an expansive array of business productivity software, free and premium.
  • Square Hardware: Square offers a variety of proprietary terminals and readers. New signups can get a free magstripe reader for mobile devices.

Where Square Really Shines

Square is best for businesses looking for a robust feature set with no monthly fees. The Square POS is free and includes great security (e.g., tokenized credit card payments) and features, such as reporting, free invoicing and virtual terminal, free email marketing features, and more.

While Square doesn’t offer the absolute lowest credit card processing fees, Square is a third-party processor with convenience at the heart of its service. As such, the company makes taking credit cards more accessible to small businesses. It also provides many features you won’t find anywhere else, and it doesn’t charge extra for them.

Get Started With Square

Read our in-depth review

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2. National Processing: Best For Cheap, No-Frills Processing

National Processing


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Get a free Clover Go card reader from National Processing when you sign up. Claim your card reader.

Pros

  • Cheap interchange-plus pricing
  • Low-cost ACH payment processing
  • Good online reputation

Cons

  • Early termination fee charged in some cases
  • A long-term contract is required to get a free terminal

View National Processing Details

National Processing Pricing

  • Monthly Fee: $9.95-$199
  • Transaction Fees: 
    • Interchange-Plus: Interchange fees plus 0.12% + $0.06 to 0.18% + $0.10
    • Subscription: Interchange fees plus $0.05 to $0.04
  • Chargeback Fee: $15
  • A cash discount program is available

National Processing Hardware & Software

All National Processing plans come with:

  • A free SwipeSimple mobile reader
  • Free reprogramming of existing hardware
  • Free gateway setup
  • Clover hardware compatibility

Where National Processing Really Shines

National Processing has an excellent reputation, with few complaints and quite a bit of praise from customers — something we rarely see with merchant account providers.

If you’re hoping for a software suite with POS analytics and lots of ancillary software options, you might want to consider Square instead. But if you just want something secure to accept debit, credit, and ACH, you’ll likely be more than happy with National Processing. It’s a great service for businesses that want low-fee credit card processing from a reliable company.

Get Started With National Processing

Read our in-depth review

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3. PaymentCloud: Cheapest For High-Risk Businesses

PaymentCloud


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Exclusive Promo: PaymentCloud will give you $200 if they can't beat your current rate. Get Your Quote

Pros

  • Specializes in high-risk businesses
  • Reasonable rates
  • Excellent customer service

Cons

  • Pricing varies by backend processor

View PaymentCloud Details

PaymentCloud Pricing

Since high-risk payment processors generally have to shop their customer’s profiles around to various banks, rates can vary widely. PaymentCloud’s rates for low-risk customers are:

  • Monthly Fee: $15
  • Transactions:
    • Card-Not-Present: Interchange plus 0.05% +$0.08 to 0.3% + $0.10
    • Card-Not-Present: Interchange plus 0.10% + $0.15 to 0.5% + $0.25
  • Chargebacks: $25
  • No application fee, setup fee, PCI compliance fee, or statement fee

PaymentCloud Hardware & Software

  • Countertop Terminals: Verifone (VX 520, VX 680), Ingenico (iCT 220, iCT 250, iPP 310, iWL 250, iWL 255)
  • POS Systems: MaxxPay systems

Where PaymentCloud Really Shines

Businesses categorized as high-risk can have a hard time finding reasonable processing rates, so we’re fans of PaymentCloud. Specializing in high-risk credit card processing and offering top-notch customer support, we find this company consistently delivers excellent value.

PaymentCloud doesn’t seem to take advantage of high-risk businesses, unlike many other high-risk processors we’ve reviewed. The company keeps costs low by partnering with bigger banks to maximize the odds of your approval and ongoing stability. It also doesn’t have an exorbitant markup past the interchange fee.

Get Started With PaymentCloud

Read our in-depth review

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4. Host Merchant Services: Cheapest For Restaurants

Host Merchant Services


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Pros

  • No early termination fee
  • Interchange-plus pricing
  • High-risk processing available

Cons

  • Can be expensive for low-volume merchants

View Host Merchant Services Details

Host Merchant Services Pricing

  • Monthly Fee: $14.99
  • Transaction Fees:
    • Card-Present, Restaurant: Interchange + 0.2% + $0.09
    • Card-Present, Retail: Interchange + 0.25% + $0.10
    • Card-Not-Present: Interchange + 0.35% + $0.10
  • Chargebacks: $15
  • Gateway Fee: $5 – $10 per month
  • 1099 Reporting Fee: $24 per year
  • No early termination fee, PCI compliance fee, setup fee, or application fee

Host Merchant Services Hardware & Software

  • Countertop Terminals: PAX A920 & A80, Verifone VX520, Ingenico iCT250 & iCT220, Dejavoo Z8 & Z9
  • Mobile: Ingenico iWL250 & iWL255, SwipeSimple Mobile EMV Processing, Vital C3 & C4; Rambler 3.0 Mobile Swiper

Where Host Merchant Services Really Shines

Host Merchant Services has a reputation for excellent customer service and cost-effective pricing for businesses that do over $10,000 per month in transactions. Restaurants, in particular, enjoy a lower transaction rate. Host Merchant Services provides full merchant accounts, so even though you’ll be paying a small monthly fee, you’ll be getting your own, stable account in return, which reduces the likelihood of experiencing account holds or freezes.

Another nice thing about Host Merchant Services is that it can accommodate a wide range of businesses, including high-risk merchants (who should expect higher fees, of course).

Get Started With Host Merchant Services

Read our in-depth review

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5. Dharma Merchant Services: Best For Industry-Specific Pricing

Dharma Merchant Services


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Pros

  • Interchange-plus pricing
  • No application or setup fee
  • Discounted pricing for nonprofits

Cons

  • Not suitable for high-risk merchants
  • Not suitable for low-volume merchants

View Dharma Merchant Services Details

Dharma Merchant Services Pricing

  • Monthly Fee: $20-$25
  • Retail & Restaurant Rates: Interchange plus 0.15% + $0.08 per transaction
  • eCommerce Rates: Interchange plus 0.2% + $0.11
  • High-Volume Rates: Interchange plus 0.1% + $0.08
  • Chargebacks: $25

Dharma Merchant Services Hardware & Software

  • Countertop Terminals: Verifone Engage V200c, Fiserv FD-150, Ingenico Desk/5000, Dejavoo Z11
  • POS systems: Clover systems
  • Mobile: MX Merchant Express app

Where Dharma Merchant Services Really Shines

Dharma won’t charge you PCI compliance fees, batch fees, AVS fees, setup, or early termination fees. As it’s a month-to-month service, you’ll have many windows to cancel your Dharma Merchant Services account without any penalties. The monthly fee is small, ranging between $20-$25 (plus an additional $10 if you want to add a payment gateway), and high-volume businesses get a discount on their transactions.

Additionally, Dharma offers a B2B program that offers discounted rates for businesses processing Level 2 or 3 data. It costs an additional $20 per month, but you’ll ultimately save money if your company processes many of these transactions.

Get Started With Dharma Merchant Services

Read our in-depth review

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6. Helcim: Best For Interchange-Plus Pricing With No Monthly Fee

Helcim


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Pros

  • Interchange-plus pricing
  • Few additional fees
  • Accepts international payments

Cons

  • Not suitable for very low-volume merchants
  • Not suitable for high-risk industries

View Helcim Details

Helcim Pricing

  • Monthly Fee: $0
  • Transaction Fees: Starting at interchange plus 0.3% + $0.08; as low as interchange plus 0.1% + %0.05
  • Chargebacks: $15-$25
  • No PCI compliance fees, gateway fees, early termination fees, PCI compliance fees, or setup fees

Helcim Hardware & Software

Helcim offers one device, the Helcim Card Reader, which can be used as a countertop or mobile device. Helcim POS software can be installed on most devices.

Where Helcim Really Shines

Helcim offers interchange-plus pricing and has no monthly fee, an extremely rare combination in this industry. Contracts are month-to-month, with no early termination fee, nor are there any setup fees, PCI compliance fees, or monthly minimums. High-volume businesses get discounts on their transaction costs.

Helcim’s POS system runs on most devices and is indicative of its focus on low-cost solutions over expensive hardware.

Get Started With Helcim

Read our in-depth review

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7. Stripe: Best For Cheap Credit Card Payment APIs

Stripe Payments


Visit Site

Pros

  • Predictable flat-rate pricing
  • Transparent fee structure
  • Accepts international payments

Cons

  • Account stability issues
  • Not suitable for high-risk industries

View Stripe Details

Stripe Pricing

  • Monthly Fee: $0
  • Transaction Fees:
    • Card-Present: 2.7% + $0.05
    • Card-Not-Present: 2.9% + $0.30
  • Chargebacks: $15
  • No PCI compliance fees, gateway fees, early termination fees, PCI compliance fees, or setup fees

Stripe Hardware & Software

Stripe is primarily an eCommerce processor, but Stripe Terminal supports:

  • Stripe Reader M2
  • BBPOS Chipper 2x BT, BBPOS Wise POS E, BBPOS Wise 3
  • Verifone P400

Where Stripe Really Shines

Stripe is an eCommerce-focused payment processing platform that offers a wealth of tools to businesses on a month-to-month basis with no maintenance fees.

Stripe may not be the cheapest game in town, but you’ll have a lot of control over what fees you do and don’t want to pay. That’s because many of Stripe’s advanced features — when not included in your basic account — use an à la carte pricing system that adds an extra fee to your transaction costs.

Tech-savvy businesses will be able to wring the most value out of Stripe, which offers best-in-class developer tools with exhaustive documentation. It also provides extensive support for international transactions and multiple currency support, making it a great option for businesses that sell across borders.

Get Started With Stripe Payments

Read our in-depth review

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8. Chase Payment Solutions (Formerly Chase Merchant Services): Cheapest With No Monthly Fee

Chase Payment Solutions


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Pros

  • Large direct processor
  • International processing
  • Predictable flat-rate pricing
  • Interchange-plus pricing available on request

Cons

  • Free credit card terminal requires a long-term contract
  • Limited pricing information disclosed

View Chase Payment Solutions Details

Chase Payment Solutions Pricing

  • Monthly Fee: $0
  • Transaction Fees:
    • Card-Present: 2.6% + $0.10
    • Card-Not-Present: 2.9% + $0.15
    • Keyed-In: 3.5% + $0.10
  • Chargebacks: $10
  • No early termination fee, PCI compliance fee, setup fee, application fee, or gateway fee

Chase Payment Solutions Hardware & Software

  • Countertop Terminals: Verifone Vx520, Ingenico iCT250
  • POS Systems: Chase Smart Terminal
  • Mobile: QuickAccept, eDynamo card reader, Chase mobile app

Where Chase Payment Solutions Really Shines

Chase Payment Solutions is one of the largest processors in the United States and is a direct processor. You won’t have to deal with any middlemen when using your merchant account. Chase has received remarkably few complaints from merchants for such a large company and has consistently earned good reviews.

Regarding services and features, Chase offers its proprietary payment gateway, or you can integrate with other third-party gateways (such as Authorize.Net). It provides a virtual terminal, several options in credit card terminals, and a mobile processing reader. The card terminals and mobile readers are all contactless-ready. While Chase offers online reporting, ACH, and gift card programs, these may come at an additional charge.

Get Started With Chase Payment Solutions

Read our in-depth review

Jump back to comparison chart

Is There A Way To Avoid Credit Card Processing Fees?

A popular way to deal with rising credit card processing costs has been to incentivize cash transactions. This can be done either by (1) offering a discount for paying in cash can reduce the number of credit card transactions you have to make, or (2) passing some of the costs on to customers in the form of a surcharge. Functionally there isn’t much difference for merchants, but some states do make legal distinctions between the two. However, many payment processors are now offering cash discounting and surcharging programs collectively under the umbrella name of “no fee credit card processing” or sometimes “free credit card processing.”

Whether your state allows cash discounting or surcharging, this method can be very effective in reducing your costs for credit card processing. However, it has some potential downsides. The first is it may anger some customers who expect the convenience of paying with a card with no additional fees. Depending on your industry and location, you could lose customers over the issue, especially if you’re competing against other businesses that can afford to eat credit card processing fees for breakfast.

Another issue is that you will need to do some work to maintain compliance with these zero-fee programs, such as posting signage in the appropriate locations. That usually includes at the register and sometimes at the point of entry to your shop.

9 Ways To Get The Cheapest Credit Card Processing For Small Business

Credit card processing fees are an expense, and, as a savvy merchant, you want to minimize unnecessary costs. Since not accepting credit cards is presumably out of the question, let’s look at some ways you can avoid spending too much on credit card processing.

Use ACH Payments When Possible

Automated Clearing House (ACH) is the system powering most payments in the US. Even credit card transactions generally use online ACH payment providers to move money between banks. So what if you cut out the middleman?

ACH payments, which move money between bank accounts, are generally cheaper than credit card payments. When it comes to sales, ACH is most often used for recurring transactions, such as subscriptions and memberships, but it’s also commonly used for B2B transactions.

While ACH is cheaper, it’s rarely as convenient as credit cards. ACH doesn’t guarantee payment the way credit cards do, so there is some additional risk that comes with using it.

Try Alternative Payment Methods

From mobile wallets like Cash App and Venmo, to cryptocurrency, to BNPL services, we’re living in a time with a lot of alternatives to credit card payments, most of which have lower transaction fees. Even debit cards, when they’re processed as debit cards, have lower network fees.

The problem is that adoption levels of these alternative payment methods tend to be much lower than credit cards, so you’ll have to gauge whether the investment in supporting them is worth that. That said, many of these methods can be supported with relatively little fuss.

Choose The Pricing Plan That Will Save You Money

Choosing the pricing plan that fits your business can make a big difference in how much you’re paying for your payment processing. High-volume businesses will usually benefit from interchange-plus or membership pricing. In contrast, low-volume businesses will generally benefit more from flat-rate pricing with no monthly fees, especially when they come with generous “free” software.

Businesses doing a lot of B2B transactions should also look for any special rates or programs a processor offers for level 2 or 3 data.

And everyone should try to stay away from tiered pricing if possible, although this can be difficult for high-risk businesses.

Watch Out For Miscellaneous Fees

Like your cell phone service provider, credit card services can dream up just about any kind of fee they want and bury them deep in your merchant services agreement. You want to have as few of these fees as possible.

Dealing with a credit card processor that is transparent and upfront about all of its costs can eliminate a lot of nasty surprises down the road. You can learn more about common fees, some legitimate and some not, with our merchant services fee guide.

Learn The Lingo

Credit card processing companies use a lot of industry jargon. You’ll be at an advantage when analyzing your bill if you know what everything means.

Understanding the difference between the interchange fees — those charged by the credit card networks themselves — and the markup charged by your payment processor, for example, can help you figure out just how much your processor is actually charging you. It can also help you avoid deceptive marketing gimmicks.

Choose A Processor That Can Accommodate Your Business

It’s not unusual to outgrow a pricing plan as your business matures or goes through seasonal changes. Selecting a processor that scales well with those changes can save you money over the long term, especially if the plan can adjust without your direct oversight.

Alternatively, picking a payment processor with no long-term contracts allows you to switch providers should you find one that better fits your credit card processing needs.

Consider The Total Value Your Processor Provides

With many payment services operating as massive business software platforms, your transaction rate and fees aren’t the only questions you’ll want to consider.

If your payment processor is, for example, offering inventory management software as part of your package, that may mean you don’t have to spend money on a separate software package. If it provides eCommerce tools, consider how much they increase your sales. Does the service pay for itself, or is it dead weight?

Buy Your Hardware Outright

Equipment leases are almost always a bad idea. Purchasing your equipment outright saves you money in comparison. And with many mobile devices now able to do double-duty as card readers and POS screens, they shouldn’t break your bank.

Avoid Processors With Monthly Minimums

With monthly minimums, if you don’t process enough money in a given month to meet the minimum amount you have to pay your processor, you’ll be charged the difference between your monthly minimum and your actual processing fees for that month. Thankfully, most of our preferred providers don’t impose monthly minimums.

Final Thoughts: Getting The Cheapest Credit Card Processing You Can

The credit card processors we’ve profiled here provide great service at an affordable cost. However, some are better suited to particular types of businesses than others. Keep in mind your goals, and don’t be afraid to crunch some numbers and compare your top options. It’s not always obvious which company has the cheapest credit card processing until you work it out with your projected volume and average ticket size.

For tips on how to get the best possible rates, check out our post, How To Negotiate The Perfect Credit Card Processing Deal. If you’re interested in more than just maximizing your cost savings for payment processing, be sure to check out our list of the best small business credit card processors as well.

If you have a question about any of the companies featured here, ask us in the comment section below!

FAQs: Lowest Credit Card Processing Fees

Which credit card processing is cheapest for small business?

The cheapest credit card processing options depend on several factors including the size of your business, transaction volume, and the average size of your transactions. For many low-volume small businesses, a third-party processor like Square is a cost-effective choice.

Does free credit card processing exist?

Truly free credit card processing — in the sense that businesses pay nothing for the service — doesn’t truly exist. However, some merchant services companies do offer “zero-fee credit card processing” plans. These are nothing more than surcharge or cash discount programs that pass the cost of payment processing onto the customer. If you want to use one of these “no-cost credit card processing” plans, proceed with caution. Learn more with our guide to free credit card processing.

What is a typical credit card processing fee?

Interchange and assessment fees range between 1.29% + %0.05 to 3.29% + $0.10. Credit card payment processing fees vary greatly between payment processors and are charged on top of interchange and assessment fees.

What is the least expensive way to take credit cards?

For low-volume businesses, the least expensive way to take credit cards is to use a third-party processor like Square or Stripe that has no monthly fee. For high-volume businesses, use a processor with interchange-plus or subscription pricing that reduces your transaction fees at higher volumes.

How can a small business avoid credit card processing fees?

There’s no way to avoid credit card processing fees altogether. Small businesses can avoid or reduce their costs, however, by implementing a variety of strategies:

  • Processing payments as card-present whenever possible (no virtual terminals)
  • Adding NFC-enabled readers and terminals for tokenized payments
  • Adding a surcharge or cash discount program
  • Choosing a pricing structure that fits their business
  • Minimizing monthly & recurring fees

What states prohibit surcharges and convenience fees?

Connecticut and Massachusetts currently prohibit credit card surcharges.

Additionally, the following states of laws restricting surcharges on their books, but are currently unenforceable:

  • California
  • Florida
  • Kansas
  • Maine
  • New York
  • Oklahoma
  • Texas
  • Utah

Check out our guide to credit card surcharging for more information.

Can you negotiate processing fees?

Merchants can typically negotiate credit card processing fees to a certain extent. However, be wary of this process, especially if you’re trying to negotiate with an existing merchant services provider. Oftentimes negotiating terms of an existing agreement will result in a new contract, potentially with a new multi-year agreement to agree to. 

It’s better to choose a new credit card processing company to work with instead. Focus on negotiating specifics such as hardware costs and terms, and specific fees and optional features that you may need.

In Summary: The 8 Cheapest Credit Card Processing Companies For Small Business

  1. Square:
    • Cheapest For new & seasonal businesses
    • No monthly fee
  2. National Processing:
    • Best for cheap, no-frills processing
    • Monthly fee starting at $9.95
  3. PaymentCloud:
    • Cheapest for high-risk businesses
    • Monthly fee starting at $15
  4. Host Merchant Services:
    • Cheapest for restaurants
    • Monthly fee starting at $14.99
  5. Dharma Merchant Services:
    • Best for industry-specific pricing
    • Monthly fee starting at $20
  6. Helcim:
    • Best for interchange-plus pricing with no monthly fee
    • No monthly fee
  7. Stripe Payments:
    • Best for credit card payment APIs
    • No monthly fee
  8. Chase Payment Solutions:
    • Cheapest with no monthly fee
    • No monthly fee
Chris Motola

Chris Motola

Expert Analyst & Reviewer at Merchant Maverick
An expert in personal and business loans and financial health, Chris Motola has been writing about small business finance and payments for over 5 years. He has been cited in various industry publications, including Forbes Advisor, GoBankingRates, and Medium. Chris is a graduate of the University of Central Florida.
Chris Motola
View Chris Motola's professional experience on LinkedIn.

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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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