Business.com
Buy Buy
Home » Directory » Financial Services » Commercial Finance » Merchant Services » Credit Card Processing

Credit Card Processing

Quickly find credit card processing companies offering services for merchant credit cards. Browse providers offering merchant processing services. Identify credit card processing vendors offering merchant card services that suit your business needs.
Credit Card Processing - Compare Free Rate Quotes
Credit Card Processing Providers Compete for You. Submit a Comparison Request Today. Choose the Lowest Rate & Save!
Competing-Rates | Find Best Rate 4U | SubmitRequest-Now | Compare Today!
www.ProposalPortal.com/CreditCardProcessing
Credit Card Processing -Trusted Service & Low Cost Guarantee
Best Service in the Industry and Guaranteed Lowest Costs on Credit Card Processing Services, Equipment and Software. 40,000 Customers can't be wrong!
Accept CCs | Card Terminals | Get Started | Testimonials
www.MerchantWarehouse.com
5 Free Credit Card Processing Price Quotes
5 Credit Card Processing, Merchant Services price quotes. Request, compare and save.
Get 5 Quotes
www.QuoteCatcher.com
Credit Card Processing
Get a Quote in 5 Minutes. Same-Day Approval. Call today.
www.BankCardUSA.com
Accept Credit Cards Today
Application Is Fast, Free & Easy. Guaranteed Low Rates & Fees.
www.cardservicesales.com
LA Credit Card Processing
1st National Credit Card Processing Local & Friendly Merchant Accounts
www.1stNationalProcessing.us
Credit Card Processing & Credit Card Machines
Find Credit Card Processing & Credit Card Machines for the lowest cost available, Guaranteed. Free shipping and 30-day risk-free. Learn More Now!
Lowest Cost | CC Machines | Free Quote
www.eaglemerchantservices.com
Accept Credit Cards Today with PaymentSetup.com
2.19% + $0.20 for Internet/Mail/Phone. Approval in 24 Hours if You Apply Online! 1.39% + $0.20 for Small-Ticket Retail Merchants.
www.paymentsetup.com/
Credit Card Processing - Free Merchant Account Setup
Application Is Fast, Free & Easy. Guaranteed Low Rates & Fees.
www.cardservicesales.com
Credit Card Processing and Merchant Services
Merchant Service Center provides world class Merchant Account Processing Services and Products. Merchant Service Center is a leader in the industry.
www.merchantservicecenter.com
Compare Credit Card Processing Providers - AllOptions.com
Submit one request to compare costs and options for credit card processing from multiple providers. No obligation.
Get Quotes Now!
www.AllOptions.com
Capital Merchant Solutions: Credit Card Processing
Free Internet Merchant Account. Free AuthorizeNet payment gateway. 2.19% internet discount rate. Easy application, fast approval. US merchants only.
www.takecardstoday.com
Wells Fargo Credit Card Processing
Increase your payment options with Wells Fargo Merchant Services. Apply online or learn more.
www.WellsFargo.com/biz
Credit Card Processing
Accept credit cards today - Low rates, no set up fees & free trial.
www.imsmerchant.com
Credit Card Processing
Free Quotes from Multiple Vendors Compare CC Processing Options
CreditCardProcessing.BuyerZone.com
Merchant Services 1.23%
Low Rates & Free Equipment Choices. No Hidden Fees; Get Started Today!
AvpsGateway.com
Listings
0 Down Merchant Account Services
Provider of credit card processing and general merchant account services for online businesses.
www.0downmerchantaccounts.com
123 Merchant Accounts
Secure merchant accounts software to approve, process, accept credit cards & make transactions. Check drafting software & check guarantee services for online payment acceptance.
www.123-merchant-accounts.com
1st American Card Service
Merchant accounts established to accept credit cards; virtual web terminal.
www.1stamericancardservice.com
1st Merchant Accounts - Credit Card Processing
Merchant account Internet credit card processing services for businesses.
www.1stmerchantaccountsvcs.com
5 Free Credit Card Processing Price Quotes
5 Credit Card Processing, Merchant Services price quotes. Request, compare and save.
Get 5 Quotes
www.QuoteCatcher.com (Paid)
A-Quick Credit Card Merchant Services
Credit card processing and merchant accounts.
www.a-quick.com
Aaccess Merchant Services
Provider of credit card services for businesses.
www.takecreditcards.com
Accept Credit Cards Now: Merchant Account Services
Provider of merchant accounts, credit card processing solutions, and complete online store services. No contract. No start-up fees.
www.wholesalecreditcard.com(Paid)
Accept Credit Cards Today with PaymentSetup.com
2.19% + $0.20 for Internet/Mail/Phone. Approval in 24 Hours if You Apply Online! 1.39% + $0.20 for Small-Ticket Retail Merchants.
www.paymentsetup.com/ (Paid)
Advanced Financial Solutions (AFS)
Develops and provides payment, transaction and document management applications and consulting services to businesses involved in banking, government, utilities, energy, retail, insurance and credit card operations. Provides check, remittance an...
www.afsimage.com
Apex Card Solutions
Merchant accounts, credit card authorizations, credit card terminals, debit cards.
www.visamc.com
Bankcard Systems
Credit card processing. Merchant account with real time processing; cybercash.
www.bankcardsystems.com
Caledon Card Services
Work with traditional storefront merchants and turnkey realtime credit card processing solutions for internet/mail-order; shopping cart and payment gateway.
www.ccsinc.on.ca
Capital Merchant Solutions: Credit Card Processing
Free Internet Merchant Account. Free AuthorizeNet payment gateway. 2.19% internet discount rate. Easy application, fast approval. US merchants only.
www.takecardstoday.com (Paid)
CardService Express
Merchant account for credit card acceptance.
www.cardservicesales.com
Compare Credit Card Processing Providers - AllOptions.com
Submit one request to compare costs and options for credit card processing from multiple providers. No obligation.
Get Quotes Now!
www.AllOptions.com (Paid)
Credit Card Processing & Credit Card Machines
Find Credit Card Processing & Credit Card Machines for the lowest cost available, Guaranteed. Free shipping and 30-day risk-free. Learn More Now!
Lowest Cost | CC Machines | Free Quote
www.eaglemerchantservices.com (Paid)
Credit Card Processing - Compare Free Rate Quotes
Credit Card Processing Providers Compete for You. Submit a Comparison Request Today. Choose the Lowest Rate & Save!
Competing-Rates | Find Best Rate 4U | SubmitRequest-Now | Compare Today!
www.ProposalPortal.com/CreditCardProcessing (Paid)
Credit Card Processing - Free
Offers guaranteed low rates and fees for credit card processing merchant services. Application is fast, free and easy.
www.cardservicesales.com(Paid)
Credit Card Processing - Free Merchant Account Setup
Application Is Fast, Free & Easy. Guaranteed Low Rates & Fees.
www.cardservicesales.com (Paid)
Credit Card Processing -Trusted Service & Low Cost Guarantee
Best Service in the Industry and Guaranteed Lowest Costs on Credit Card Processing Services, Equipment and Software. 40,000 Customers can't be wrong!
Accept CCs | Card Terminals | Get Started | Testimonials
www.MerchantWarehouse.com (Paid)
Credit Card Processing and Merchant Services
Merchant Service Center provides world class Merchant Account Processing Services and Products. Merchant Service Center is a leader in the industry.
www.merchantservicecenter.com (Paid)
Credit Card Processing Services, Inc.
Credit card processing equipment and service; debit cards and check guarantee.
www.mcvisa.com
Credit Card Store
Offers products which allow Internet merchants to authorize, process, and manage credit card and electronic check transactions online.
www.creditcardstore.com
Credit Merchant Account Services
Provides merchant accounts with electronic bank funds transfer terminal.
www.merchantaccount.net
CreditCardProcessor.com
Offers real-time Internet processing, virtual shopping carts, low-cost web pages, as well as traditional credit card processing services for both web-site and store front locations.
www.creditcardprocessor.com
Data Processors International
Merchant service provider offering credit card processing and credit card services for ecommerce business transactions.
www.dpicorp.com
Del West Merchant Credit Card Services
Establishes merchant accounts and processes credit card payments for direct marketing and internet merchants.
www.mktmkt.com
ECHO Credit Card Processing
Electronic Clearing House, Inc. (ECHO) has been a tier 1 payment processor providing credit card processing since 1986.
www.echo-inc.com(Paid)
Electronic Merchant Accounts
Establishes credit card merchant accounts. Located in Bentonville, Arkansas.
www.merchantaccounts.net
EZ Merchant Accounts
Real-time online processing for merchant accounts.
www.ezmerchantaccounts.com
First Data Merchant Services (FDMS)
Provides merchant processing services for VISA and MasterCard and other major credit cards.
www.firstdata.com
Heartland Payment Systems
A merchant card processor offering payment processing services.
www.heartlandpaymentsystem.com
Independent Merchant Services
Provides credit card processing services and merchant accounts.
www.bankcard-processing.com
Innovative Merchant Solutions
Specializing in merchant services; offers all major credit cards for processing.
www.innovativemerchant.com
Integrated Credit Card Processing
Cynergy Data is a leader in electronic payments, with payment processing services for businesses of varying sizes and across different industries.
www.cynergydata.com(Paid)
Interlink Merchant Services
Facilitates the "card not present" merchant along with the standard retail merchant.
www.interlinkmerchant.com
Internet Media Solutions
The company's product, Authorize.net Virtual Terminal, allows vendors to accept credit cards worldwide, over the Internet.
merchant-systems.com
Merchant Warehouse
Provides credit card processing equipment.
www.merchantnumber.com
Midwest MBN Services
Business credit card merchant accounts.
www.mastercard-visa.com
National Card Systems
Serves home based, online, mailorder/phoneorder, retail, restaurant, service & mobile business with handkeyed/mailorder/phoneorder, swiped & address verification submissions.
www.natlcard.com
Payment Processing Tips
Advice on choosing the best payment processor for your business. Tips on tools, services and fees and unbiased reviews of leading processors.
www.paymentprocessingtips.com(Paid)
Plug 'n Pay Technologies, Inc.
Offers variety of automated sales systems, that accept, verify payments. Internet-based virtual terminal; marketing at point of sale.
www.plugnpay.com
Retriever Payment Systems
Credit card processing, agent bank information, merchant card and online check guarantee and authorization.
retrieveronline.com
SafeCart™ Online Payment Processing
RevenueWire's proprietary merchant payment services featuring a leakproof checkout flow and the highest levels of e-commerce industry certifications.
www.safe-cart.com(Paid)
Shift4 Corporation
Developers of credit card processing software and other transaction technologies.
www.shift4.com
Total Payment Systems, Inc.
Credit card processing and software for retail and home businesses.
www.totalpaymentsystems.com
USConnect
Real-time processing of merchant accounts for online, home-based, mail/phone order, and startups.
beseen.net
Wells Fargo Credit Card Processing
Increase your payment options with Wells Fargo Merchant Services. Apply online or learn more.
www.WellsFargo.com/biz (Paid)
World Products, Inc. / Netmart4U Company
Sells credit card equipment from Verifone, Hypercom, Nurit and Intellect.
www.netmart4u.com
  • Total System Services, Inc.
Credit Card Processing
Get a Quote in 5 Minutes. Same-Day Approval. Call today.
www.BankCardUSA.com
Accept Credit Cards Today
Application Is Fast, Free & Easy. Guaranteed Low Rates & Fees.
www.cardservicesales.com
LA Credit Card Processing
1st National Credit Card Processing Local & Friendly Merchant Accounts
www.1stNationalProcessing.us

Greg Brown tells how to make your best deal with credit card processing companies.

Guide to Credit Card Processing Contracts

Understand and negotiate fees and terms set by banks and credit card processing companies.


 
 

Credit Card Processing Basics

  • The rule on merchant card services: If low fees mean high per-transaction costs, high fees should mean low transaction costs.
  • Bargain down set-up fees and equipment, especially if the merchant card services broker wants a long-term contract.
  • Be suspicious of fine print. Credit card processing companies are lightly regulated and prone to fast-moving, fast-talking sales agents.
 
 
You got the shop set up, the goods on the shelves and customers coming in. But, if you accept credit cards, are you losing money every time a buyer flashes some plastic?

The answer has a lot to do with exactly what terms you agreed to when you signed on for a credit card merchant account in order to accept credit cards. Taking plastic can mean a lot more money: Checks are becoming a quaint memory, and credit card companies have effectively declared war on cash with billions of dollars in marketing messages to the consumer.

So, take that card. But understand what it will cost and make sure you get the best possible deal on merchant card services for your size business. In this guide, you'll learn:

1. How to get equipment and a merchant card services account for cheap -- and why that's risky
2. Balancing credit card merchant account fees with per-transaction charges
3. Watching out for fine print with merchant card services
4. Speeding up payment with online credit card processing and mobile credit card processing

Action Steps for Best Credit Card Processing Terms

The best contacts and resources to help you get it done

Action Step to Accept Credit Cards Who's who in credit card processing companies It can be tricky at first, but a credit card transaction has basically four stops along the way. The customer's card is from a bank. It is issued and backed (think customer service)by a card company, like Visa or MasterCard. There's an often a third party clearing the deal (although it might be the customer's bank), and then your bank has to get the money.

I recommend:  Forbes has a great, detailed analysis of credit card processing basics. See the gamut of merchant card services at Business.com.

Action Step to Accept Credit Cards Set up costs for credit card processing companies The upfront costs of credit card processing -- equipment to accept credit cards, set-up fees, putting money into a kind of escrow called a reserve account -- all this is sunk cost, anywhere from $500 to triple that.

I recommend:  Many vendors will eat set-up fees and even discount credit card processing equipment to get a sale, but watch out. They have to make money somewhere, right? If you want to accept credit cards, better to get into the basic terminology at the MerchantSeek glossary on credit card processing or try their exhaustive frequently asked questions page.

Action Step to Accept Credit Cards Accept credit cards, but price the volume right A credit card merchant account is vital to many small businesses, but get the right mix of fees. Some contracts favor businesses that processes thousands of small transactions, like fast-food vendors. Others will be better for lower volume, high priced goods, like an antique shop.

I recommend:  Bottom line: If your per transaction rate is high -- 5% is punitive, 2% is about right -- make sure fees are low or zero. If you agree to a low transaction rate, fees you might not even notice for meaningless things (statement fees, instance) could be piled on. Allbusiness.com has a good checklist for this. Merchant card services company VantageCard has detailed explanations. Also, run the actual fees you are quoted through the handy calculator at the Merchant Account blog.

Action Step to Accept Credit Cards Beware fine print in credit card merchant account contracts Would you agree to eat lunch at the same coffee shop for three years? Buy toilet paper at the same store? Of course not. But if you're not careful, that can happen when you sign on with credit card processing companies.

I recommend:  Read up on all the fine print tips at Business Know-How and at Web Marketing Today. See the Business.com directory page, too, for more on setting up a credit card merchant account.

Action Step to Accept Credit Cards Speed up the money using online credit card processing companies Using a point-of-sale device, the card swiper we've all seen, is not instantaneous. In most cases, a cumbersome clearinghouse process means your money is days away, and the card might come back bad.

I recommend:  Online credit card processing uses the Web to accept credit cards and charge while your customer is still there. (Wireless mobile credit card processing is similar.) This kind of credit card merchant account is particularly useful for automated sales on Web sites or, in the case of mobile credit card processing, for collecting on sales or service calls. Network Solutions, Verisign and Thawte have detailed solutions. There's more on online credit card processing and mobile credit card processing at Business.com.

Tips & Tactics for Fees on Your Credit Card Merchant Account

Helpful advice for making the most of this Guide
  • Terminology matters: 'Qualifed' charges means your employee at some point had the card in her hand and swiped it. 'Non-qualifed' charges are taken over the phone. Card processors usually try to charge a lot more for non-qualified charges.
  • If you can handle the (slight) delay of not swiping, drive down costs by using online credit card processing. Open a screen, type in the numbers and it's payday.
  • Chargebacks -- when customers turn back a charge because of some dispute -- can be expensive. If you deal with a lot of returns, make sure your choices in credit card processing companies won't penalize you for this.


Directory Listings  |  Company Profiles  |  Web Listings  |  Advertise With Us
Checkmark

How-To Guide from WORK.COM

Guide author
By Greg Brown
Understand and negotiate fees and terms set by banks and credit card processing companies.
You got the shop set up, the goods on the shelves and customers coming in. But, if you accept credit cards, are you losing money every time a buyer flashes some plastic?The answer has a lot to do with exactly what terms you agreed to when you ... Read more
Type
Your choices by type include Web-based, terminal and mobile credit card processing services.
  • Web-based merchant credit card processing, also called credit card online processing, allow customers at your Web site to enter card data and buy what's in their shopping cart.
  • If your sales are being done in a brick-and-mortar retail store, a credit card processing terminal, also known as a point-of-sale (POS) terminal, makes merchant account credit card purchases painless.
  • Mobile credit card processing is ideal for micropayments (think vending machines), which work via mobile phone networks to make remote, wireless transactions.
Rates and Fees
Your choices for credit card processing company rates and fees include less than 2% discount rate, no setup fee, no monthly statement fee, no monthly minimum and no contract term.
  • The credit card processor normally charges a small fee per transaction, the credit card discount rate. If the customer is present, that is, swiped at a terminal in front of you, expect a less than 2% discount rate.
  • A lot of the costs of opening a merchant account are negotiable. Get a credit card with no setup fees to keep initial costs lower.
  • Small businesses sometimes do not do enough credit-card transactions in a month to justify their account, prompting a monthly fee for receiving a statement for merchant account credit card processing. If you do enough business, you qualify for no-statement-fees credit card processing. Ask about no monthly statement fee.
  • Another way that merchant account credit card processors assure a profit is by charging their clients for not doing enough transactions, the credit card minimum monthly payment. If your transactions are large and irregular, ask for no monthly minimum.
  • The merchant credit card processing services market is extremely competitive. One way to ensure that you get the best possible deal for merchant account credit card processing is to insist on no contract term.
Features
Your choices on merchant account credit card processing features include security and fraud detection, multi-currency and real-time processing. Many providers have a demo available.
  • An increasing problem in merchant credit card processing services is fraud and identity theft. Consumers have multiple levels of protection for security and fraud detection, and you, as the retailer, should have credit card fraud detection, too.
  • If your business is in a port city, near an international airport or near a border with Canada or Mexico, multi-currency acceptance will allow international visitors to buy in your store with their home-country cards. Online businesses need international credit card processing more than ever.
  • Credit card processors often "batch" transactions and then process them in groups every few hours rather than do real time credit card processing, to reduce costs. If your business needs immediate acceptance (to avoid fraud, for instance), ask about real-time processing.
  • Merchant credit card processing accounts should make a demo available to try for free, typically for 30 days or longer.

RESET ALL  |   MORE CHOICES FEWER CHOICES
Sponsored Links