Online Payment Processing Reviews

Payment Depot is a merchant account provider headquartered in Orange, California. The company has been in business since 2013 and is best known for its use of subscription or membership-based pricing, a spinoff of the interchange-plus model. While it isn't the only provider in the industry to offer this type of pricing, Payment Depot's reputation for open, honest sales practices and excellent customer support put it ahead of many of its competitors using this relatively new pricing model.

Fattmerchant gets our recommendation as the best all-in-one merchant account provider for several reasons. First of all, we find the company's 0% markup pricing practices refreshing and sensible. And, just as important for an all-in-one solution, Fattmerchant delivers excellent value for a wide range of business types. It provides free invoicing, billing, customer management, POS software, mobile payments, virtual terminal capabilities, and more as standard features within the Fattmerchant credit card processing platform.

National Processing is a great service for businesses that want low rates from a reliable company. If you’re hoping for some massive free software suite like Square offers with POS, analytics and such included, you might not find what you want here. But keep in mind that you could easily end up saving enough money with National Processing to buy all that software and more from whichever software provider you want. This low cost and overall versatility makes National Processing a great option for many businesses.

At Dharma, you can count on consistently fair and predictable pricing. The company advertises all of its standard rate and fee information publicly on its website. You can also expect high-quality, friendly, personalized service and support from the Dharma team.

Payline Data has a well-deserved reputation for transparent and honest sales practices – something that’s all too rare in the credit card processing industry. The standardized pricing packages also eliminate most of the negotiating over rates and terms that you’ll have to deal with when signing up with a more traditional provider.

Pros Good for ecommerce businesses Good for high-risk businesses No account setup fee No monthly minimum for low-risk Free credit card terminal Excellent customer support Few public complaints Cons No publicly disclosed pricing Website needs improvement Overview There are many reasons a business may be considered too “high-risk” for a standard merchant account. Unfortunately, the […]

Pros Transparent interchange-plus pricing No early termination fee No setup or application fees No monthly minimums Good customer support Good website and advertising Cons Can be expensive for low-volume merchants Overview Host Merchant Services is abbreviated HMS, so my brain automatically fills in “Pinafore” afterward every time I see it. If I’ve already lost you […]

Pros Interchange-plus pricing offered Free payment gateway and virtual terminal No account setup or application fees Month-to-month billing with no early termination fees Excellent customer service and support Cons Mobile card reader is not EMV-compatible Only available to US-based merchants Overview CDGcommerce is a merchant account provider with main headquarters in Chesapeake, Virginia and a […]

Square Payments and Point of Sale from Square.com earn a perfect 5-star rating for ease of use, astounding feature set, transparent and affordable pricing, and overall status as a powerhouse for merchants. While Square's payment processing service is not appropriate for all business types and lacks the stability and negotiability of a standard merchant account, many small businesses enjoy the predictable pricing and the lightning-quick setup.

Overall, we’re quite pleased with Chase Merchant Services. The company has a solid reputation and ethical business practices. While I doubt they 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. Chase Merchant Services earns a 4.5 out of 5 stars rating for its excellent terms, solid business practices and up-to-date processing hardware.