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10 Credit Card Payment Services for Small Business Owners

Drew Hendricks
at Nextiva
Updated Feb 14, 2022

There thousands of business decisions that small business owners have to make. One of the most important, however, is which service they’ll select as their credit card payment processing options.

When considering the services you will use for payments, it’s important to consider factors such as the processing fees and, of course, you will want a company that has a solid and trustworthy reputation.

Since there are hundreds of options, here are 10 credit card payment services for small business owners to consider when searching for credit:

1. Due is known for its intuitive invoicing and time tracking features, but the company also gives business owners the chance to accept payments quickly by integrating with PayPal and QuickBooks. They have free bank to bank transfers for programmers. If you have any questions or concerns, uses a ticket system for customer support so that the process is streamlined.

2. Payline Data

If you’re looking for a service that covers everything from mobile to online, to in-store sales, then Payline Data has got you covered. What makes this service such an appealing option for small businesses is that it has low and transparent pricing plans that are easy-to-understand and outstanding customer service.

You can even customize plans to suit the needs and size of your business. Additionally, you aren’t charged any application, monthly minimums, or account termination fees. Payline also donates 10 percent of its profits to charity. For businesses that process less than $5,000, you’ll be charged interchange plus at 0.5 percent plus $0.15 per transaction above wholesale cost.

3. Square

Since 2009 Square has made it possible for small businesses to accept credit cards no matter where they are located thanks to its innovative card reader (this longevity has contributed to its popularity and associated Square vs Shopify comparisons). Today, Square allows you to convert any mobile device into a powerful credit card terminal that allows you to process payments either in-person or online.

Square also provides a useful dashboard that allows you to send invoices, view analytic reports, and manage inventory. The card reader is free, but Square charges a 2.75 percent fee for every swipe and 3.5 percent, plus $0.15 per transaction fees for transactions that are entered manually.

Related Article: Pocket Payments: How To Find The Right Mobile Payment System For Your Business

4. GlobalVCard

Just like Payline Data, CSI GlobalVCard offers fair and transparent pricing without any hidden fees. This service also provides a wide range of processing features that allow you to accept payments virtually. CSI also has special rates for non-profits and 24/7 customer support.

5. Flint

By downloading the Flint app your business can easily accept credit cards without having the need for additional hardware. This is possible because Flint scans credit cards instead of swiping them. To keep your customers secure, only the card number is scanned and is never stored on your device.

On top of processing credit cards Flint allows you to create invoices, coupons, and real-time online reporting. Flint charges 1.95 percent for each debit card transaction and 2.95 percent for credit card transactions.

6. Helcim

Helcim provides services and equipment for retail and online businesses, such as terminals that are EMV compliment and NFC capable. There’s also a card reader for mobile devices and a Virtual Terminal for online transactions. Unlike other services, Helcim encourages business owners to purchase the terminals as opposed to leasing them.

Helcim has a transparent payment structure that includes a $12 monthly fee for retail and $20 for internet businesses, as well as 0.18% + $0.08 per transaction for retail and mobile payments and online transactions are 0.36% + $0.25 per transaction.

7. Elavon

Designed for small and medium sized businesses, Elavon gives you the opportunity to accept payments online and on-the-go with the company’s Converge Mobile app. You can also manage credit cards and access real-time reports.

Customer service is available in nine different languages if needed. Elavon also offers customized payment solutions that is tiered depending on your needs. Elavon charges a $10 per month fee and 2.65% +$0.19 transaction costs.

8. BluePay

BluePay handles credit card processing for B2B, B2G, Enterprise, small and medium-sized businesses, as well as a variety of processing solutions like POS system, virtual terminals, mobile card processing, E-commerce, batch credit card processing, and invoicing.

BluePay also integrates with Oracle, SalesForce, QuickBooks, Magento, and OpenCart. Retail rates are relatively low, .95 percent when swiped, and MOTO/Inet rates as low as 1.99 percent.

Related Article: 5 Things Most Small Businesses Don’t Know About Payment Processing

9. Flagship Merchant Services

Flagship Merchant Services is one of the most well-known credit card processing companies that allows business owners to accept payments online, through the phone, a mobile card reader, and POS terminals. The service is also known for its outstanding customer service that is available 24/7. Transaction costs 38 percent + $0.21 over interchange.

10. BrainTree

BrainTree, which was acquired by PayPal in 2013, lets business owners accept credit/debit cards, Apple Pay, Android Pay, Bitcoin, Venmo, and PayPal as payment methods.

The company also offers recurring billing, patented One Touch for mobile payments, and marketplace which allows payments to be split. There’s also a drop-in payment UI so developers can integrate BrainTree onto your website. There are no minimum or monthly fee and a flat 2.9 percent + $.30 per transaction after your first $50K.

Image Credit:

NanoStockk / Getty Images

Drew Hendricks
Drew Hendricks is a tech, social media and environmental addict. He's written for many major publishers such as National Geographic and Technorati.