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The eCommerce credit card processing providers on this list serve high-risk, high-volume, low-volume, international, or new businesses, among other criteria.
Shannon has been writing for Merchant Maverick about small business software and financing since 2015. She started writing professionally about business topics in 2005. Shannon has been featured in the Washington Post, Reader's Digest, US News, MSN, Yahoo Finance, Business Insider, and other publications. She has a bachelor's degree in English from San Diego State University and currently resides in San Diego, California.
WRITTEN & RESEARCHED BY
Shannon VissersShannon has been writing for Merchant Maverick about small business software and financing since 2015. She started writing professionally about business topics in 2005. Shannon has been featured in the Washington Post, Reader's Digest, US News, MSN, Yahoo Finance, Business Insider, and other publications. She has a bachelor's degree in English from San Diego State University and currently resides in San Diego, California.
Expert Contributor
Last updated onUpdated
Shelbi Wescott began working for Merchant Maverick in 2019 after 17 years as a journalism educator and publications advisor, where she has extensive knowledge of newsroom systems and editorial workflows. She has overseen multiple print and online publications and mentored hundreds of emerging writers. Shelbi is also an award-winning journalist, published author, and former small business owner with a Master of Arts in Teaching from Lewis and Clark College in Portland, Oregon.
REVIEWED BY
Shelbi WescottShelbi Wescott began working for Merchant Maverick in 2019 after 17 years as a journalism educator and publications advisor, where she has extensive knowledge of newsroom systems and editorial workflows. She has overseen multiple print and online publications and mentored hundreds of emerging writers. Shelbi is also an award-winning journalist, published author, and former small business owner with a Master of Arts in Teaching from Lewis and Clark College in Portland, Oregon.
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Our content reflects the editorial opinions of our experts. While our site makes money through referral partnerships, we only partner with companies that meet our standards for quality, as outlined in our independent rating and scoring system.
There are more online payment processing options for small businesses than ever before, from full-service merchant accounts to payment service providers that let you choose processing services a la carte. Given the variety of options, choosing a credit card processor for your website or online checkout can be confusing, if not downright daunting.
Whether you’re launching a new eCommerce business or you want to add online sales to your brick-and-mortar store, this detailed summary of the best online payment processors for small businesses will help you find the provider to accept credit cards online.
The 10 Best eCommerce Credit Card Processor Options For Small Business
Which provider offers the best online credit card processing for your small business? The answer will depend on your particular business needs, but the companies profiled here collectively offer the most value for your money while providing honest, ethical payment processing.
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Pros
Good value for mid-volume & high-volume businesses
Integrates with most gateways and shopping carts
Dedicated features for eCommerce & Saas businesses
Month-to-month contract
Cons
Expensive for low-volume businesses
Not suitable for high-risk businesses
Minimal fee disclosures on company website
Why We Chose Stax For Mid- & High-Volume Businesses
Stax's membership-based processing model and its breadth of online processing features make this processor an excellent choice for mid-volume and high-volume online payments---particularly for eCommerce retail businesses, Saas businesses, and online businesses that need subscription billing. Stax also offers integrated in-person processing for multichannel businesses that sell online as well as in-person.
Because Stax charges a monthly membership fee, your business will need to process at least $10K/month to get the most value from this processor.
Stax Features
Stax includes a strong and varied feature set for accepting online payments and omnichannel selling. Some of its many features include:
Virtual terminal for keyed-in payments
Support for recurring billing and scheduled payments
Digital invoicing
eCommerce website builder
Numerous payment gateway and shopping cart integrations
Text payments
Hosted payment pages
Developer tools
ACH processing
In-house customer support
Stax Pricing
Stax charges a monthly membership fee that ranges from $99 to $199+, depending on how much you sell. You can cancel this plan at any time. Stax also offers various monthly software packages with added features such as hosted self-service pages.
As for processing rates, Stax charges between 8 and 15 cents on every transaction (plus interchange fees), depending on how you take the payment. To accept online or keyed-in payments with Stax you will pay $0.15, plus interchange fees.
Stax’s chargeback fee is $25, and you will also be charged a $25 fee if you do not process a certain amount each month.
What To Watch Out For
With a membership processing model, a flat monthly membership fee is typically charged instead of various merchant account fees such as PCI compliance fees and payment gateway fees. However, some Stax customers have complained that they were charged extra a la carte fees on top of their membership fee.
Before signing your merchant agreement, make sure you confirm with the company exactly what fees you will pay.
When To Use Stax
You have a low-risk business selling at least $10K per month
You primarily sell online, but may need some in-person selling features
You need support for eCommerce and/or subscription sales
Get a free card swiper from Square at no cost when you create a free account. Claim your card reader.
Pros
Free online store builder
Predictable flat-rate pricing
No (mandatory) monthly fees
Strong POS support
Cons
Occasional account stability issues
Advanced features come with a monthly fee
Not the most cost-effective option for businesses processing over $10K/month
Why Square Is Great For Low-Volume Businesses & Startups
Square earns a spot on our list by offering a remarkably broad range of features for a payment processor with no monthly fees. Add in Square Online, and you get an easy-to-use online store builder that provides a lot of value for free while offering more features and storage to paid subscribers.
Lower-volume merchants stand to gain the most from Square, but this processor offers something for everybody, including those looking to sell CBD online. To top it all off, signing up is easy and quick, allowing you to start selling almost immediately.
Square Features
Square may be best known for its convenient POS hardware and expansive support software for small businesses. That said, Square does offer respectable eCommerce support and infrastructure, including a freemium online store and shopping cart support, which is ideal for businesses that are primarily brick-and-mortar but also do a portion of their business online.
Square’s pricing makes it a great all-in-one solution for businesses with a relatively low transaction volume.
Online Transactions: 2.9% + $0.30 per transaction (2.6% + $0.30 with a Premium Square Online subscription)
Invoice Payments: 3.3% + $0.30 per transaction (2.9% + $0.30 with a Square Invoices Plus subscription)
ACH Bank Transfers (Via Invoices): 1% with a minimum of $1 per transaction
Online Rate For CBD Merchants: 3.8% + $0.30 per transaction
Monthly Fee: $0+/month, depending on your subscription level
What To Watch Out For
Remember that Square is a payment service provider and does not provide individual merchant accounts to businesses. This means that you’ll want to take steps to minimize the risk of account holds and terminations.
Additionally, while CBD sales are supported, CBD merchants must first apply to Square’s CBD program and undergo extra scrutiny. Furthermore, other business types considered high-risk in the processing industry are not supported by Square.
When To Use Square
You run a startup or an online business processing under $5K-$10K/month
You’re looking to add an online component to your brick-and-mortar business
Not cost-effective for merchants processing under $1,500/month
No high-risk business support
US and Canadian merchants only
Why Helcim Is A Great All-In-One Credit Card Processor
Canada-based Helcim is one of the best merchant account providers for Canadian businesses and a top-tier provider for US businesses. With its integrated online selling platform, completely transparent pricing, and stellar reputation, Helcim should be considered by any online merchant needing a full merchant account.
What's more, Helcim is rare among full merchant account providers in that it does not charge the monthly/annual fees commonly charged by such providers. Helcim has even eliminated its monthly fee for ACH/eCheck processing, charging slightly more per transaction instead.
Helcim Features
Helcim offers payment processing services to US businesses and is also one of the best credit card processors for Canadian merchants. Helcim’s integrated payments platform (Helcim Commerce) combines the functions of a payment gateway with other ancillary services that you’ll need to run your online business.
Helcim uses interchange-plus pricing exclusively. Your rates will decrease as your monthly processing volume increases.
Online Transactions: From interchange + 0.15% + $0.15 to interchange + 0.50% + $0.25 per transaction
Chargeback Fee: $0-$15 (depends on the outcome)
Monthly Fee: None
eCheck/ACH processing: 0.5% + $0.25 ($6 maximum) per transaction
What To Watch Out For
As with most merchant account providers offering interchange-plus pricing, Helcim is most cost-effective for businesses processing $5K to $10K/month and above. Process less than that, and a payment service provider with flat-rate pricing like Square/Stripe/Shopify Payments may be a better deal for you.
When To Use Helcim
You want a full merchant account, a comprehensive payments package, and ACH processing without paying monthly/annual fees
Predictable flat-rate pricing with interchange-plus pricing available for larger sellers
Advanced reporting, marketplace, and subscription tools
Can take international transactions
Cons
Occasional account stability issues
Needs technical skills to implement
Not suited to high-risk businesses
Why Stripe Payments Is Great For Customizable Payments & Checkouts
If you only need a simple online store, there are better processing solutions than Stripe (learn how Stripe works). However, if you have unique eCommerce needs and your team has the knowhow to take advantage of Stripe's extensive developer tools, integrations, and international eCommerce capabilities, the company may be a great fit for your business, which is why we're including Stripe in this list.
Stripe Features
Stripe Payments has always been closely tied to eCommerce and is known for its international acceptance, wide selection of integrations, and exceptional array of developer tools.
Other PSPs (such as Square and PayPal) are easier to use when you’re just starting your eCommerce business. However, if you’re planning to use a web developer to design a top-of-the-line, slick-looking web store (and/or to add in-app payment functions), Stripe gives you more tools to integrate into your platform.
Payment gateway
Cryptocurrency processing
Accepts payments in 135+ currencies
Dynamic currency conversion
Recurring billing and subscriptions
Invoicing
Developer tools (some of the best in the industry)
Stripe Pricing
Being a payment service provider, Stripe offers simple, flat-rate eCommerce pricing.
Online Transactions: 2.9% + $0.30 per transaction
International Transactions: +1%/transaction
ACH: 0.8% (capped at $5)
Chargebacks: $15
No Monthly Fees
Larger businesses with higher sales volumes can apply to get interchange-plus pricing with volume discounts. Stripe is a processor that can be made to fit a vast array of business types, sizes, and needs.
What To Watch Out For
Stripe requires some serious technical skill to implement. Don’t think you can just open an account and start selling — you’ll need developer expertise on hand, and the more advanced customization you require, the more expertise you’ll need.
However, if this isn’t a problem for your business and you have unique needs that can’t be met by a more cookie-cutter solution, it may be time to set up a Stripe account.
When To Use Stripe
You need a custom online payments package built around your particular business needs
You’re looking to sell internationally and you want extensive multicurrency support
Month-to-month billing with no early termination fees
Outstanding sales transparency and highly ethical business practices
Cons
Not recommended for businesses processing under $10K/month
No support for high-risk or international merchants
$49 account closure fee
Why Dharma Merchant Services Is Great For Nonprofits
Dharma Merchant Services -- a long-time Merchant Maverick favorite -- is a great online merchant account provider for most businesses, particularly those processing over $10,000/month. Its transparent pricing, personalized support, and ethical business practices have made it extremely easy for us to recommend them to a wide range of businesses.
Additionally, Dharma is among the best nonprofit credit card processors. The company offers discounted pricing for nonprofit organizations and partners with 4aGoodCause to provide nonprofits with donation pages and event registration services.
Dharma also donates a portion of its profits to charity. For the civic-minded organization, what's not to love?
Dharma Features
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 the following:
Online reporting
A customer information database
A mobile processing app
Recurring billing
eCheck/ACH processing
Dharma Pricing
Online Transactions: Interchange + 0.20% + $0.11 per transaction
Monthly Fee For eCommerce Accounts: $20 ($15 for nonprofits)
Chargeback Fee: $25
Retrieval Fee: $5
What To Watch Out For
Dharma is excellent for countless business types, but it is only available to US-based organizations, does not accept high-risk merchants, and isn’t cost-effective for those processing under $10K/month. Notably, Dharma itself acknowledges this last fact, recommending Square or PayPal as cheaper options for smaller merchants.
When To Use Dharma Merchant Services
You want an online processor that offers an excellent integrated payments platform and an unmatched public reputation
You run a nonprofit organization and you want an online processor offering nonprofit-specific discounts and features
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Pros
Reasonable rates and fees
Free credit card terminal
Excellent customer support
Online store integration
Cons
No publicly disclosed pricing
High-risk businesses will likely have a monthly minimum
High-risk businesses may have to accept tiered pricing and a two-year contract with an early termination fee
Why PaymentCloud Is Great For High-Risk Businesses
There are plenty of shady operators in the high-risk payment processing space. Among high-risk processors, PaymentCloud distinguishes itself with its reasonable rates, stellar reputation among merchants, and dedicated account managers.
Plus, the fact that PaymentCloud works with so many banks and back-end processors means you'll have a higher chance of approval than with many competing processors.
PaymentCloud Features
PaymentCloud is available to all online merchants but specifically caters to businesses in high-risk industries (eCommerce merchants have a greater chance of being classified by banks as “high-risk” than other merchants).
Here’s some of what PaymentCloud offers to online businesses:
Payment gateway (Authorize.Net, which includes a developer toolbox with an open API for customizing your site’s integration, is available and is one of the best payment gateway and API platforms around)
Shopping cart integration (PaymentCloud integrates with a wide variety of popular online shopping carts)
eCheck and ACH processing
Contactless payment requests
PCI compliance
Data migration
Dedicated account manager for support
PaymentCloud Pricing
PaymentCloud offers tiered, flat-rate, and interchange-plus pricing models. Like many other high-risk specialists, the company has no specific pricing information on its website.
However, low-risk PaymentCloud merchants report that the online processing fee is 2.9% + $0.30 (high-risk businesses will likely be charged more).
What To Watch Out For
Depending on just how high-risk your business is considered to be, you may have to accept a tiered pricing scheme, and you might possibly have to accept a multi-year contract with an early termination fee (ETF) as well.
While we recommend that low-risk businesses pursue month-to-month agreements and avoid tiered pricing when seeking a merchant account, high-risk businesses may have to accept these terms to find a back-end processor willing to take on the risk of working with them.
Thankfully, PaymentCloud partners with numerous acquiring banks and processors to find you the best deal possible. It never hurts to ask for interchange-plus pricing either.
When To Use PaymentCloud
Your online business is considered high-risk and you want the best processing deal possible
Your low-risk businesses is seeking competitive interchange-plus pricing and personalized support/guidance
Month-to-month billing with no early termination fees
Excellent customer support
Scales well
Cons
Only available to US-based merchants
CDGcommerce’s flat-rate pricing is on the high side
Some high-risk businesses won’t qualify
Why CDGcommerce Is Great For Low Rates & Scalability
CDGcommerce is an obvious choice for our list of great online credit card processors. Featuring three different pricing schemes and services that evolve to match the needs of your business as it grows, plus a reputation for ethical service, CDGcommerce is a very strong choice for online sellers of all sizes.
CDGcommerce accepts some high-risk merchants as well.
CDGcommerce Features
With CDGcommerce, you get your choice of free payment gateways, including Authorize.Net and the company’s proprietary Quantum Gateway. You’ll also get the following:
Shopping cart software
Virtual terminal
Detailed online reporting
High-risk processing
Recurring billing
A security service (cdg360)
A Fraud Loss Reimbursement Plan (FLRP) for users of the Quantum gateway
CDGcommerce Pricing
CDG fees depend on your sales volume and risk level.
Here’s what you’ll pay with CDGcommerce’s flat-rate starter plan:
$0/month
3.5% + $0.30 per keyed-in/online transaction
2.9% + $0.30 per in-person transaction
Here’s what the interchange-plus plan will cost you:
Monthly fee not disclosed
Rates for keyed-in and online transactions not listed
Lastly, here are the details of CDGcommerce’s membership pricing:
$49-$199/month
Rates for keyed-in and online transactions not listed
With CDGcommerce, your pricing plan will depend on your sales volume and whether or not your business is considered high-risk.
Flat-rate pricing is for merchants processing $1,000-$10,000/month
Interchange-plus pricing is for those processing $10,000-$200,000/month
Membership pricing for merchants processing over $200,000/month
High-risk merchants may be accepted but will pay more than low-risk merchants (pricing for high-risk merchants is not specifically disclosed)
What To Watch Out For
CDGcommerce is only available to US-based merchants.
When To Use CDGcommerce
You want an online credit card processor with pricing that scales with your business as it grows
Why Host Merchant Services Is Great For Internet-Based Service Businesses
We added Host Merchant Services (HMS) to our list because its processing services are competitively priced, and its ACH processing and recurring billing make it especially well-suited to those running a web hosting or cloud service provider business (and other SaaS businesses).
HMS has a lot to offer other online businesses as well, as the company will provide a basic website at no additional cost and will work with your business to match you to the shopping cart that suits your needs.
Host Merchant Services Features
HMS offers full merchant accounts, transparent interchange-plus pricing with no yearly contract, great customer service, and a robust suite of eCommerce features, including:
Virtual terminal and payment gateway (Transaction Express) offering tokenization and encryption of customer data
ACH processing
Recurring billing
Check-imaging
Wireless processing
Shopping cart integrations
Free basic website with hosting
Host Merchant Services Pricing
Online Transactions: Interchange + 0.35% + $0.10 per transaction
Monthly Fee: $14.99
Gateway Fee: $5.00/month
Annual 1099 Reporting Fee: $24
Chargeback Fee: $15
What To Watch Out For
Like most merchant account providers exclusively offering interchange-plus pricing, HMS may be on the pricey side for lower-volume businesses, though HMS does say that it offers customized rate packages for lower-volume accounts.
When To Use Host Merchant Services
You want an online payment processor that offers recurring billing, ACH processing, and a free hosted website
Multicurrency acceptance and international transactions
Sync data from multiple sales channels
Excellent online store builder
Cons
Occasional account stability issues
A monthly fee is charged
Doesn’t offer interchange-plus pricing to high-volume merchants
Why Shopify Payments Is Great For Multiple Sales Channels
Shopify is well-established as an eCommerce powerhouse. It offers a complete online selling package for merchants large and small, making Shopify an obvious fit for this list. And with Shopify Payments, you'll pay less per transaction than if you use another processor with your Shopify store.
You can create a beautiful online store with Shopify's full eCommerce platform, but using Shopify's most basic Starter plan to sell online can also be beneficial. If you sell on Amazon, eBay, Facebook, 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.
Shopify Payments Features
While Shopify Starter is great for managing your existing sales channels, Shopify’s full online stores are feature-packed as well. Plus, with the numerous integrations Shopify offers for dropshippers and suppliers, eCommerce merchants of all stripes have many reasons to like Shopify.
If you have a Shopify online store, using Shopify Payments for website payment processing lets you avoid paying a Shopify per-transaction fee of 0.6%-2% (on top of the processing fee) with each sale.
Plus, if you’re building a non-Shopify online presence, you can still subscribe to Shopify Starter ($5/month) to add buy buttons to your website or your social media posts.
No 0.6%-2.0% Shopify transaction fee when you use Shopify Payments for processing
Online Transactions: 2.5% + $0.30 to 2.9% + $0.30 per transaction, depending on your subscription level
Monthly Fee: $5-$299 (pricing for plans that include a Shopify online store builder start at $29/month with annual billing)
What To Watch Out For
While Shopify’s base services are reasonably priced for small to mid-sized businesses, if you need additional functionality, the cost of add-ons can, well, add up.
Additionally, Shopify Payments is a payment service provider, which carries some inherent account stability risk.
When To Use Shopify Payments
You need to build an online store and you want a service built around enabling that goal, with numerous built-in features and over 8,000 available add-ons
You want to sync and manage your existing online sales channels
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
High-risk merchants may have to accept tiered pricing, a multi-year contract, and an early termination fee
Equipment models not listed on the website
Why Durango Merchant Services Is Great For Offshore Merchant Accounts
Durango is one of the few high-risk providers of website payment processing that enjoys a great reputation for fair prices and contract terms.
With solid services, a high degree of fraud and chargeback protection, and excellent customer support, Durango is an outstanding choice of online processor for the right kind of business -- and as an offshore merchant account provider, it's among the best of the best.
Durango Features
Durango is an excellent choice for high-risk businesses needing online credit card processing. Durango also offers offshore merchant accounts for international merchants. Let’s go through what else Durango offers:
Proprietary cloud-hosted Durango Pay gateway
A variety of shopping cart integrations
eCheck processing
Cryptocurrency support
Fraud protection
Durango Pricing
Durango Merchant Services specializes in servicing high-risk businesses. The company does not disclose any pricing information or contract terms online; Durango works with numerous back-end processors, so these factors will be highly variable and subject to negotiation.
If yours is a high-risk business, expect to pay higher processing rates than a similar low-risk business. Although interchange-plus is sometimes available, you’ll likely be placed on a tiered pricing plan.
What To Watch Out For
While you’ll likely have to accept tiered pricing to get an offshore/high-risk merchant account, that’s just an unfortunate reality when it comes to this type of payment processing — though it never hurts to ask if interchange-plus pricing is possible for you.
When To Use Durango Merchant Services
You’re seeking an offshore merchant account with the most reasonable account terms and pricing possible
You want a domestic high-risk merchant account with reasonable rates and terms
Merchant Maverick has been researching the payment processing industry since 2009. Our writers have reviewed hundreds of credit card processors, merchant account services, and mobile payment apps, evaluating each provider carefully on several different metrics.
Weighted Rating Breakdown
Fees & Rates 35%
Contract 20%
Products & Services 15%
Sales & Advertising Transparency 15%
Customer Service 10%
User Reviews 5%
When comparing different payment processing companies and applications to one another, we consider numerous data points. Our experts start by comparing credit card processing rates, the presence of additional fees, contract length, sales practices, and the presence or absence of additional features and services, like point of sale software. Each provider is judged on its own merits and how well it stacks up to industry standards; then it is weighed against the other providers on the list.
We spend an average of 10-15 hours researching and updating each one of our lists, making sure every company or application included meets our internal standards for quality and reputation. Any list of recommended payment processors on our site might contain a mix of standard merchant accounts, third-party payment processors, mobile payment devices, and high-risk payment processors, depending on what our expert feels is the best fit for certain scenarios or business types.
For additional details about Merchant Maverick’s review and rating processes, please refer to any or all of the following methodology pages:
What You Need For eCommerce Credit Card Processing
You don’t necessarily need your own eCommerce website to take card payments online — options like online invoicing and social media selling are available to smaller merchants.
However, if you’re looking to launch your own full-fledged eCommerce operation, you should familiarize yourself with the three main components required to launch an online store.
Payment Processors
Online payment processors fall into two categories:
With direct processors (a.k.a. merchant accounts), you’ll typically need to process $5K-$10K in monthly transactions to justify the cost. However, you’ll run a lower risk of account freezes and holds. You’ll be thoroughly vetted prior to approval, though, which can take some time.
With third-party processors (a.k.a. payment service providers (PSPs) or aggregators), you’ll undergo little vetting before approval, so while getting signed up is faster, you’ll run an increased risk of account holds and freezes. Our guide to finding a third-party processor contains more information.
Payment Gateways
A payment gateway allows you to accept online credit card payments — you can’t sell online without one.
Third-party processors such as PayPal and Stripe combine their services with a built-in gateway. Meanwhile, some merchant account providers have their own gateways available for an additional fee, while others may set you up with a different gateway provider.
eCommerce platforms are used to build online stores. Traditionally known as “shopping carts,” eCommerce store builders come in two forms: Software-as-a-Service (SaaS) or self-hosted.
For a monthly fee, SaaS store builders — the most common type of online store builder — offer web hosting and storage, SSL certificates, and other tools to build and maintain an eCommerce website.
Self-hosted solutions are typically free to download and offer a lot of paid features and customizability but require technical know-how.
Our guide to internet merchant accounts takes a deeper look at the subject, but here’s a quick rundown of what you should look for when seeking out the best online payment processing provider for your business.
A pricing scheme that fits your business size/type/model
Support for multiple payment methods (ACH payments are particularly important for B2B companies to accept)
A payment gateway
Multicurrency support (for international sellers)
Fraud detection tools
Developer tools (if you need advanced customization and have developer expertise on your team)
The portion of your sales that are domestic vs. international
Whether your business is considered high-risk or not
The Bottom Line On Choosing The Best Online Credit Card Processor For Your Small Business
When building your online business, you have a wide range of eCommerce credit card processors to choose from. At first, a flexible, pay-as-you-go payment service provider like Shopify or Square may be ideal. Once you have a higher transaction volume and you want a better processing rate or more account stability, consider moving to a dedicated merchant account such as Dharma Merchant Services or Helcim.
Don’t compare on price alone, though!
Consider all the features you need, as well as compatibility with shopping carts and other services that benefit your business. Know what features you absolutely must have immediately and what you anticipate requiring later on as your business grows and its needs evolve.
Shannon has been writing for Merchant Maverick about small business software and financing since 2015. She started writing professionally about business topics in 2005. Shannon has been featured in the Washington Post, Reader's Digest, US News, MSN, Yahoo Finance, Business Insider, and other publications. She has a bachelor's degree in English from San Diego State University and currently resides in San Diego, California.
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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.
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.
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