Does Electronic Merchant Systems offer everything you need for your small business? Possibly, but it comes at a high cost. Unless you’re prepared to negotiate aggressively on your own behalf, you’ll probably pay more than you need to. Read our review to see why you should look elsewhere.

The payment processing industry is very competitive, with a huge number of providers vying for your business. While only a few are truly excellent, many others are just awful. Paya currently falls somewhere in the middle of these two extremes, sticking close to the industry standard in terms of pricing and contract terms, but not offering any exceptional products or services that distinguish it from other providers.

Bank of America Merchant Services has taken several positive steps to improve both the quality of its services and its reputation among merchants. It’s done away with long-term contracts, eliminated early termination fees, and introduced a flat-rate pricing plan with no monthly fees that will appeal to small-business users. It’s also instituted 24/7 customer support and completely revamped its hardware lineup, eliminating Clover products and replacing them with universal devices that can be reprogrammed, if necessary.

Sam’s Club Merchant Services uses the appeal of the bulk-discount warehouse business to bring in merchants, but the reality is that processing payments through Sam’s Club is likely to be far more costly for small businesses.

Costco as a payment processor has some significant problems — namely its misleading tiered pricing rates, some hidden fees, and some potential contractual concerns. And you will need to be a Costco Executive member to reap what savings it offers. Read on for a full look at Costco Merchant Services.

With a company such as Global Payments, the name speaks for itself. It’s common knowledge that Global runs a large, successful, highly capable payment processing business. This is not a fly-by-night operation. However, just because a business is successful does not mean that it’s a good proposition for all of its customers.

With everything Braintree has accomplished, it’s poised to continue as one of the most important providers in the eCommerce and mobile processing worlds. Considering the enormous number of unique features and services you get at no additional charge, and for no monthly fee, Braintree may have the best value in the entire eCommerce processing industry.

Durango Merchant Services stands out from the crowd by offering fair pricing in a segment of the market that’s notorious for charging highly inflated prices and invariably provides excellent solutions to complex merchant situations.