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Serving Customers Since 2010

*Our Top Credit Card Processing Picks of 2024

A few hours ago | Dec 13, 2024 | CreditCardProcessing.net earns compensation from some companies listed below to keep our content free. Learn more *Dec 13, 2024 | *Advertisement | *CreditCardProcessing.net receives advertising compensation from some of the companies shown on this page and impacts the location and order in which such companies appear. CreditCardProcessing.net does not include all credit card processing sites available to consumers in the marketplace.

Get a $500 gift card

from Merchant One if they cannot
beat your current rate!

†Merchant must submit a completed merchant application with competing offer and or a complete processing statement from within 30 days to qualify. See offer details

*Our 2024 Best 5 Credit Card Processing Picks

Dec 13, 2024   *Advertisement

*This site is a free online resource that offers valuable content and comparison features to consumers. To keep such resource 100% free for consumers, CreditCardProcessing.net receives advertising compensation from some of the companies listed on this page. Such compensation impacts the location and order in which such companies appear on this page. All such location and order are subject to change. CreditCardProcessing.net does not include all credit card processing sites available to consumers in the marketplace.

  • Easy and quick set up
  • State-of-the-art technology
  • 24/7 customer support

^Free EMV Terminal with sign up!

  • Take payments anywhere
  • Powerful analytics tools
  • Customized POS systems
  • Highly rated
  • Serves various industries
  • Flexible plans
*Our Recommended List Select business type

1. Merchant One

RATES

0.29-1.99%

4.9 /5 How we rate

^Limit of one (1) free terminal per new merchant account. Merchant must open a new merchant account with Merchant One. Monthly minimum required. Ask your sales representative for further details.

^Limit of one (1) free terminal per new merchant account. Merchant must open a new merchant account with Merchant One. Monthly minimum required. Ask your sales representative for further details.

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2. Clover

RATES

Call for rates

4.7 /5 How we rate

when you buy Station, Mini or Flex

**Save up to $1,000 on your next Clover purchase. Get $500 in statement credit with purchase of a Clover Flex or Mini, and up to $1,000 on Stations. To be eligible, merchant must: (1) apply for the account through the online Clover website shopping experience, (2) purchase a Clover Hardware or Software Subscription, (3) be credit approved no later than 1/30/25, (4) activate account by submitting a batch of $25 or more in sales within 30 calendar days from approval date and (5) Processing $10,000 or greater in card transactions within the first four billing cycles. Promotion available for new Clover Business Solutions merchants who have not previously had a Clover account or processed with First Data Merchant Solutions LLC. Offer expires 12/31/24.

Learn More

3. Sekure

Learn More

4. North Payments

Learn More
Not on Our Recommended List
Square

Retail Rates

3.5% + $0.15

Compare
Stripe

Retail Rates

2.9% + $0.30

Compare
Chase

Retail Rates

1.99% + $0.15
(reported)

Compare
PayPal

Retail Rates

1.55% - 2.7%

Compare
Bank of America

Retail Rates

Interchange $0.20 + 2.7%

Compare
Credit Card Processor Quick Facts

Credit cards are heavily favored by consumers who make online purchases. In fact, 48% and 47% of survey respondents indicated they prefer to use credit cards, over debit cards and PayPal, for online shopping and online travel purchases, respectively.

Source: TSYS U.S. Consumer Payment Study

Credit card payments registered the highest growth rate of 10.2% among the core payment types.

Source: Federal Reserve Payments Study 2017

U.S. Merchants paid $116.43 billion in credit card processing fees in 2020.

Source: The Nilson Report 2020
More About Our List
Your business may have changed. Your online/in-person split may look very different than before. Of the processors on our list, some are good for eCommerce via your website, while others are better for mobile payments on your smartphone.

Some work for retail with a credit card machine or phone orders with a virtual terminal. There are processors on the list for large transactions, iPad POS, or are suitable for high-risk businesses.
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How We Rate Our Picks

Our scores are on a scale of up to 5. We provide an overall rating for each provider as well as a rating based on rates, contract flexibility, speed of funding and customer service. Creditcardprocessing.net receives advertising compensation from companies listed on this page, which impact the ratings.

Overall

Takes into account the popularity, brand reputation, customer reviews and overall features and benefits

Low Rates

Compares the overall rates for each provider, accounting for swipe, keyed in, credit and debit card transactions

Contract Flexibility

Considers length of contract, ease of cancellation and cancellation fees

Quick Funding

Compares how quickly funds get deposited into your account

Customer Service

Is customer support readily available and helpful?

What type of business do you need credit card processing for?

Retail

Restaurant

Services

Other

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