QuickBooks Payments (formerly known as Intuit Merchant Services) is a merchant services provider that’s an internal division of the mammoth financial software company Intuit. The seamless integration with QuickBooks is probably going to be a big draw. You also get invoicing, eCommerce support, and ACH payments at a reasonable cost.

With multiple pricing plans tailored to all business sizes, a free gateway, multiple chargeback protection features, and a boatload of other features, there’s a lot to like about CDGcommerce. But you should still make sure it’s a good fit for your business.

NCR Silver gets high marks for its ease of use, flexibility, and built-in marketing tools. Unfortunately, while NCR makes solidly good POS software, its Silver product suffers from other issues — namely, the restrictive service contract foisted on merchants who want to purchase the system.

The company has a solid reputation and ethical business practices. While I doubt it can give you the level of personal attention you’d get from a smaller processor, the competitive rates, fair contract terms, and state-of-the-art technology might be enough to make up for it, depending on the needs of your business.

What is sure to remain the same is that for most smaller businesses, Worldpay From FIS will continue to operate mostly behind the scenes. You’re much more likely to be using Worldpay for your credit card processing through a smaller merchant services provider. That company’s level of service and value in managing your merchant account is what you’ll really see coming through. Nevertheless, it’s always worth taking a look at the processor behind your transactions.

Moneris offers an impressive lineup of products and services for Canadian merchants. It provides just about every kind of hardware and software product you would need to run either a retail or online business. However, the company’s lengthy contracts and hefty early termination fees bring it down a notch.

In a world where mobile apps are often pale shadows of their web software counterparts, Invoice2go stands out by offering invoicing apps for both iPhone and Android with the same — if not better — functionality than the desktop software.

Though it started with a simple focus on time tracking in 2006, Harvest has grown considerably over the last decade and now encompasses invoicing and project management. Even after expanding into the invoicing world, the software is still focused on time and team management and has over 50,000 users. However, the software has limited invoicing features and is unsuited for product-based businesses.

When it comes to invoicing, Zoho Invoice simply can’t be beaten. With 16 templates to choose from, a beautiful client portal, the option to autoschedule invoices, and the ability to send invoices in 14 languages, it’s easy to see why Zoho Invoice is our top-rated invoicing software.

With a full POS system and free booking site, Square Appointments offers a lot of value for salons and independent stylists. But as with other Square products, it only makes sense if you commit to using Square Payments as well, which can be a great convenience or a severe limitation.