Our Top Picks

BBCIncorp Logo
BBCIncorp
BBCIncorp is a service provider that focuses on simplicity when it comes to payment processing. Its solutions are customized to a business's needs, with no coding or technical knowledge required to use them.

BBCIncorp’s services include e-commerce platforms and shopping carts for online payments, international card processing with multicurrency acceptance, and the ability to adapt itself for multiple business purposes. The platform offers seamless integration for pre-built payment templates, customized checkout pages, APIs for those who are coding proficient, and a variety of payment plug-ins to choose from.

One downfall of BBCIncorp is that it doesn't offer any training or hardware solutions. Users who require a physical terminal to process transactions may want to look at other merchant account service providers instead.

Summary

BBCIncorp Logo
BBCIncorp
  • Starting Price
    • Custom Quote
  • Free Trial/Demo
    Not Provided
  • Training/Onboarding
    Not Provided
  • Support
    Phone, Email
  • 3rd Party Integrations
    Yes
  • Fees for Services
    Yes
  • Payments Accepted
    Yes
  • Software Provided
    No
BlueSnap Logo
Bluesnap
BlueSnap’s all-in-one payment platform provides users with access to a network of global banks. Through this sophisticated network, users can benefit from fraud protection, tax regulation, and compliance tools, 100+ currencies, optimized payment routing, and increased visibility of reports and analytics.

The platform supports a huge variety of third-party integrations, being compatible with apps such as WordPress, Microsoft Dynamics, Drupal, Zuora, and Xero. With the ability to be integrated with almost any third-party system, users can access any features they need simply by connecting BlueSnap to a third-party provider.

Summary

BlueSnap Logo
Bluesnap
  • Starting Price
    • Custom Quote
  • Free Trial/Demo
    Free Demo and Free Trial
  • Training/Onboarding
    Documentation
  • Support
    Business Hours
    Online
  • 3rd Party Integrations
    Yes
  • Fees for Services
    Yes
  • Payments Accepted
    Yes
  • Software Provided
    Yes
Braintree Logo
Braintree
Braintree is a PayPal service that helps businesses streamline their payment process. Businesses can utilize its solutions to manage internal costs, automate back-end processes, mitigate risk, and keep payments and data secure.

With over 20 years of online payment experience, Braintree has established deep connections with multiple financial institutions and issuers. These networks allow it to provide reliable pricing and payment providers, saving users money when it comes to processing transactions.

Additionally, the platform supports integrations with many other third-party apps such as Uber, Stubhub, Dropbox, Github, Yelp, and more. By leveraging Braintree’s close relationship with PayPal, businesses can expand their reach and cater to global markets.

Summary

Braintree Logo
Braintree
  • Starting Price
    • Standard pricing: 2.9% + $0.30/transaction
  • Free Trial/Demo
    Free Demo
  • Training/Onboarding
    Not Provided
  • Support
    Email
    Phone
    Live Support
  • 3rd Party Integrations
    Yes
  • Fees for Services
    Yes
  • Payments Accepted
    Yes
  • Software Provided
    Yes
Dharma Merchant Services Logo
Dharma Merchant Services
Dharma Merchant Services is an ideal offering for brick-and-mortar stores. It provides users with access to advanced and new-age equipment for payment processing. Besides taking care of storefront operations, the system also supports online reporting, graphical visualizations, mobile-based access, and information processing features, as well as the creation of a credit-card holder customer database.

Other areas where Dharma Merchant Services excels include the fact that it doesn't need a long-term agreement and provides online payment links that are routed through its merchant portal. All in all, it provides access to secure, fast, and safe payments, helping storefront businesses benefit from a seamless payment system.

Since it's made primarily for physical stores, the Dharma Merchant Services software platform can be integrated with various types of hardware on top of the existing merchant-provided equipment. If you're looking for something more analytical and report-oriented, note that you also get inventory tracking and sales reporting via this software.

Summary

Dharma Merchant Services Logo
Dharma Merchant Services
  • Starting Price
    • Virtual Rates: 0.20% + $0.10/transaction
    • Storefront Rates: 0.15% + $0.07/transaction
    • Restaurant Rates: 0.15% + $0.07/transaction
  • Free Trial/Demo
    Not Provided
  • Training/Onboarding
    Not Provided
  • Support
    Online
    Phone
  • 3rd Party Integrations
    Yes
  • Fees for Services
    Yes
  • Payments Accepted
    Yes
  • Software Provided
    Yes
DSBC Financial Group Logo
DSBC Financial Financial Group
DSBC Financial Group offers payment convenience on a whole new level. Its solution systems help users with commissions and minimize time-consuming decisions by automatically choosing a credit card payment provider depending on the country of operation.

Additionally, users can leverage DSBC Financial Group’s many tools, such as A/B testing and cart abandonment testing, to increase their conversion rates and revenues. The company’s tax assurance services handle all tax-related inquiries from invoice management to global VAT and sales tax collection, as well as ensuring documents follow regulations and filing procedures.

Regardless of the country that you’re operating in, DSBC Financial covers it all. Its solutions are mobile-friendly while supporting over 33 languages and 100 currencies, allowing businesses to provide a localized buyer experience customers expect and appreciate.

Summary

DSBC Financial Group Logo
DSBC Financial Financial Group
  • Starting Price
    • Standard: 3.4% + €0.35 for European Union Cards
    • 4.9% + €0.35 for non-European Union Cards
    • Enterprise: Custom Quote
  • Free Trial/Demo
    Free Demo
  • Training/Onboarding
    Online
  • Support
    Phone, Online
  • 3rd Party Integrations
    Yes
  • Fees for Services
    Yes
  • Payments Accepted
    Yes
  • Software Provided
    No
ECommerce Merchant Account Logo
eCommerce Merchant Account
eCommerce Merchant Account tailors its solutions to e-commerce stores, with experts that offer up-to-date guidance on the best practices behind online payments. Its all-in-one e-commerce platform provides over 450 built-in features and provides businesses with a wide variety of features to cover any situation.

The company’s platform allows for seamless integration with third-party apps like Shopify, Big Commerce, Magento, Miva, CommerceV3, and more. Compared to other merchant account service providers, its transparency concerning fees and processing rates allows users to clearly see how much they’re paying per transaction, resolving any disputes or confusion with maximum efficiency.

eCommerce also offers outstanding customer support, with a dedicated account manager assigned to each client. Businesses can rest easy knowing their payment needs are taken care of by professionals who know the e-commerce industry as well as they do.

Summary

ECommerce Merchant Account Logo
eCommerce Merchant Account
  • Starting Price
    • Custom Quote
  • Free Trial/Demo
    Not Provided
  • Training/Onboarding
    Not Provided
  • Support
    Phone, Online
  • 3rd Party Integrations
    Yes
  • Fees for Services
    Yes
  • Payments Accepted
    Yes
  • Software Provided
    Yes
Fattmerchant Logo
Fattmerchant
Fattmerchant wants to steam ahead in the domain of merchant accounting service with one core objective: to make things simple. This applies not only to the merchant but also to customers and other stakeholders who are directly or indirectly connected to the business.

The main features offered include accepting card payments, mobile-based payments, invoicing, e-commerce, analytics, and developer API. All these aspects are highly beneficial for a new business venture or even an established one. The pricing structure is divided into two options: Swiped and Keyed payments. Within these spheres, the monthly price of using its services depends on the amount of money transacted by the business.

What makes Fattmerchant worthy of our list of best merchant account services is the training and onboarding support via webinars, documentation, and 24/7 access to a representative. Along with frictionless integration of credit and debit card payment processing with POS machines, Fattmerchant caters to a wide array of businesses from small to medium-scale, as well as those with multiple locations.

Summary

Fattmerchant Logo
Fattmerchant
  • Starting Price
    • Swiped Payments
    • For Businesses Processing Up to $500,000 Annually: Starting at $99/month
    • For Businesses Processing Over $500,000 Annually: Starting at $199/month
    • For Businesses ProcessingOver $5,000,000 Annually (Enterprise): Custom Quote
    • Keyed Paym
  • Free Trial/Demo
    Free Demo
  • Training/Onboarding
    Live Online
    Webinars
    Documentation
  • Support
    24/7 (Live Rep)
    Business Hours
    Online
  • 3rd Party Integrations
    Yes
  • Fees for Services
    Yes
  • Payments Accepted
    Yes
  • Software Provided
    Yes
Fiserv is a good choice for all sorts of retail businesses that record a low to a high volume of transactions on a daily basis. Previously known as First Data, Fiserv has now become an industry leader and one of the best merchant account services providers for POS functions and more.

With this merchant account software, users are able to receive an extensive amount of training and onboarding support. This support is offered in the form of in-person, on-site, online, virtual classes, and video tutorials for the users. A software that has such levels of support will surely have an even larger scale of services for the business.

Fiserv is not only ideal for small and medium-scale businesses but also a great tool for processing services like billing, lending, remittance, and so on. More than this, it offers a dedicated interface for customer and channel management, risk and compliance, and optimization.

With such a large spectrum of banking and logistics solutions, Fiserv not only serves as an effective merchant service provider but also a system that's capable of integrating third-party equipment, reporting tools, and analytics.

Summary

  • Starting Price
    • Custom Quote
  • Free Trial/Demo
    Free Demo
  • Training/Onboarding
    In Person
    On-Site
    Online
    Virtual Classrooms
    Self-Paced Tutorials
  • Support
    Online
    Phone
  • 3rd Party Integrations
    Yes
  • Fees for Services
    Yes
  • Payments Accepted
    Yes
  • Software Provided
    Yes
Flagship Merchant Services Logo
Flagship Merchant Services
Flagship Merchant Services is one of the top-rated merchant account service providers on the market. The company’s main focus is on providing small and medium-sized businesses with outstanding customer service and groundbreaking products. Users can choose from a variety of payment options, including in-store, online, and mobile payment solutions.

Flagship offers some of the lowest processing rates on the market and even offers a $200 gift card guarantee if proven otherwise. Its products offer convenience and ease of use and can be utilized across many sectors of businesses including restaurants, retail, and e-commerce stores.

Summary

Flagship Merchant Services Logo
Flagship Merchant Services
  • Starting Price
    • Custom Quote
  • Free Trial/Demo
    Free Demo
  • Training/Onboarding
    Not Provided
  • Support
    Email
    Phone
  • 3rd Party Integrations
    Yes
  • Fees for Services
    Yes
  • Payments Accepted
    Yes
  • Software Provided
    Yes
Helcim works as an all-in-one solution that caters to modern-day businesses, including online and physical stores — especially those working on a smaller scale. Its core offerings include reporting, analytics, and third-party integrations. On average, users will find that Helcim’s prices are lower compared to other services.

Helcim also offers in-person and online credit services to restaurants, e-commerce stores, and property management businesses. The software proves to be an effective solution given its card reader can accept payments from every type of card available in the market. This widens the ability of businesses to include an extended number of customers and build engagement.

Helcim also gives its users access to a modern and intuitive virtual terminal that can not only provide information on credit card-holding users but also keeps a record of other transactions and helps businesses store their credit cards in secure wallets.

Summary

  • Starting Price
    • Custom Quote
  • Free Trial/Demo
    Free Demo
  • Training/Onboarding
    Webinars
    Documentation
  • Support
    24/7 (Live Rep)
    Business Hours
    Online
  • 3rd Party Integrations
    Yes
  • Fees for Services
    Yes
  • Payments Accepted
    Yes
  • Software Provided
    Yes
One Payment Logo
One Payment
One Payment focuses on convenience and simplifying the process behind payment transactions. The company offers solutions that are customized specifically for businesses in certain sectors. This includes mobile, retail, e-commerce, virtual, EMV, and point-of-sale hardware equipment.

One Payment supports several different forms of payment including debit and credit cards, ACH payments, and checks. Transactions can be accepted through online platforms or physical terminals. By supporting many different avenues of payment processing, One Payment helps businesses improve revenue, increase productivity, and increase customer satisfaction.

Summary

One Payment Logo
One Payment
  • Starting Price
    • Custom Quote
  • Free Trial/Demo
    Not Provided
  • Training/Onboarding
    Online
  • Support
    Phone, Online
  • 3rd Party Integrations
    Yes
  • Fees for Services
    No
  • Payments Accepted
    Yes
  • Software Provided
    Yes
Payline was built with one major purpose: to help businesses save on transactional costs. The company has fulfilled its promise to this day, with savings levels reaching over 40%. With this software, users get access to a simple, friendly, and intuitive platform that can be customized to suit a business’s needs.

It works in three major domains: in-person solutions, online solutions, and mobile solutions. In-person or in-store payment processing allows retail brick-and-mortar stores to accept credit card payments without any hassles.

For online payment systems, Payline allows seamless integration with the online store shopping cart and easy documentation. In regards to mobile payment solutions, Payline gives users the ability to accept and process mobile payments from anywhere, anytime. This allows mobile or moving businesses to benefit from its mobile credit card reader, which allows users to consistently accept payments and offers convenience.

Additionally, Payline offers a transaction-based pricing system along with live-online and webinar-based support for training and onboarding purposes.

Summary

  • Starting Price
    • Swiping in Person: 0.2% ($0.10/transaction or $10/month)
    • Credit Cards not Present: 0.4% ($0.20/transaction or $20/month)
  • Free Trial/Demo
    Free Demo
  • Training/Onboarding
    Live Online
    Webinars
  • Support
    24/7 (Live Rep)
    Online
  • 3rd Party Integrations
    Yes
  • Fees for Services
    Yes
  • Payments Accepted
    Yes
  • Software Provided
    Yes
Payment Depot Logo
Payment Depot
Working on a membership-based model, Payment Depot provides faster and large-scale payment processing abilities to its users. As a result, this merchant account service is best for established businesses that want to bring more efficiency and productivity into their payment processing.

If your business processes a large number of transactions every month, Payment Depot is an ideal option. It can be integrated with several online and offline payment systems, giving businesses a much larger area to operate and work in.

Payment Depot offers a flexible operational model as well as a unique payment system that makes it one of the most cost-effective merchant accounting services.

The no-contract and no-cancellation fee system further protects businesses from unnecessary costs. It can also be integrated with many e-commerce and POS solution systems, making it easier for businesses to enhance their operational capacity and payment systems.

Summary

Payment Depot Logo
Payment Depot
  • Starting Price
    • Basic Membership: $49/month +  $0.15/transaction + interchange
    • Most Popular Membership: $79/month +  $0.10/transaction + interchange
    • Premier Membership: $99/month +  $0.07/transaction + interchange
    • Unlimited Membership: $199/month +  $0.05/transactio
  • Free Trial/Demo
    90-Day Free Trial
  • Training/Onboarding
    Not Provided
  • Support
    24/7 (Live Rep)
    Business Hours
    Online
  • 3rd Party Integrations
    Yes
  • Fees for Services
    Yes
  • Payments Accepted
    Yes
  • Software Provided
    Yes
PaymentCloud Logo
PaymentCloud
As businesses grow in size, their transaction numbers grow exponentially to match. With large volumes of transactions being processed a day, one simple mistake can result in thousands of dollars going missing. PaymentCloud caters its solutions to all size businesses, providing even the highest-risk businesses with safety nets for payment errors and missing funds.

One notable feature of PaymentCloud is its ability to protect against unwanted chargebacks. Its solutions protect businesses with an integrated detection mechanism while satisfying customer needs through an auto-reimbursement system. This allows businesses to continue daily operations without getting bogged down by transactional details and processing pains.

PaymentCloud’s virtual terminals and point-of-sale solutions grant businesses access to all-in-one tools for a seamless sale every time.

Summary

PaymentCloud Logo
PaymentCloud
  • Starting Price
    • Custom Quote
  • Free Trial/Demo
    Free Demo
  • Training/Onboarding
    Live Online
    Documentation
  • Support
    Business Hours
  • 3rd Party Integrations
    Yes
  • Fees for Services
    Yes
  • Payments Accepted
    Yes
  • Software Provided
    Yes
One of the most amazing benefits of PayPal is its ability to accept payments directly from an individual’s PayPal wallet and redirect the funds to the receiver’s account on a daily basis. PayPal was made to address the inconsistencies people face with cross-border online payments and create customer satisfaction.

Along with this, PayPal is a well-known brand, and its competitive pricing further helps users improve their transactional abilities and cover a wide, if not global, audience.

One area where PayPal doesn't perform as well is high-volume transactions. Businesses that have a high frequency of transactions from a single sender may not be deemed fit for PayPal, as the company is known to freeze accounts that show this type of payment history.

Summary

  • Starting Price
    • Custom Quote
  • Free Trial/Demo
    Free Demo and Free Trial
  • Training/Onboarding
    Documentation
  • Support
    Online
  • 3rd Party Integrations
    Yes
  • Fees for Services
    Yes
  • Payments Accepted
    Yes
  • Software Provided
    No
QuickBooks Online Logo
Quickbooks Payments
Even though QuickBooks is relatively new to the market, it's progressed beautifully while covering more ground and presenting users with innovative payment solutions. QuickBooks gives businesses and individual operators the ability to accept credit and debit card payments, along with ACH bank transfers.

Users working with QuickBooks can spend the money they receive in their wallets directly, as is done presently with PayPal. The software provides an easy and fast way to send invoices with one click and receive payment from a user’s database, as well as the ability to keep records on its mobile application.

QuickBooks is also an efficient reporting and analytical tool that gives users a complete overview of their money and deposits and lets them keep tabs on nearly everything they own. Many aspects are required by a modern-day business to run smoothly, which QuickBooks offers in the form of several features and competitive prices.

Summary

QuickBooks Online Logo
Quickbooks Payments
  • Starting Price
    • Self-Employed: $15/month
    • Simple Start: $25/month
    • Plus: $70/month
    • Advanced: $150/month
  • Free Trial/Demo
    Free Demo and 30-Day Free Trial
  • Training/Onboarding
    Documentation
  • Support
    Business Hours
  • 3rd Party Integrations
    Yes
  • Fees for Services
    Yes
  • Payments Accepted
    Yes
  • Software Provided
    Yes
Square is another complete payment processing platform in our list of best merchant account services. It offers features for accepting payments via in-store, mobile, online, and virtual terminals. There's also an option for online and brick-and-mortar stores to send invoices.

Other than the transaction fees added to the user account of businesses and individuals, Square is free to use. Furthermore, Square also offers tools and features to help new businesses run their activities smoothly.

In terms of hardware equipment provided to the retail store owners, Square includes readers for magstripe, contactless and chip-based cards, registers, and payment terminals.

From cards to online payments, Square lets you accept all types of transactions originating from anywhere across the globe. Additionally, for those who are new to these online payment accounting merchant systems, Square offers in-person training as well as detailed documentation to understand how it works.

Summary

  • Starting Price
    • Custom Quote
  • Free Trial/Demo
    Free Demo and 30-Day Free Trial
  • Training/Onboarding
    In Person
    Documentation
  • Support
    Business Hours
  • 3rd Party Integrations
    Yes
  • Fees for Services
    Yes
  • Payments Accepted
    Yes
  • Software Provided
    Yes
Total Merchant Services
Total Merchant Services
Total Merchant Services provides many tools to assist established and new businesses alike. Its comprehensive technology solutions have helped over 500,000 businesses with their payment needs. Many of the company’s free payment technologies can be customized to cater to businesses, wherever they may be in their development cycle.

Total Merchant Services prides itself on providing the lowest rates in the payment processing industry. The company’s payment processing solutions allow users to accept all payment types, set up accounts with ease, process bank account deposits almost instantly and protect their assets through EMV and PCI-compliant solutions.

Users looking for a way to efficiently track transactions can benefit from Total Merchant Services’ point-of-sale systems and software. System bundles include software embedded into ready-to-use hardware for viewing transactions, managing inventory, and checking profitability, all with the ability to sync the information to a back-end database.

Summary

Total Merchant Services
Total Merchant Services
  • Starting Price
    • Custom Quote
  • Free Trial/Demo
    Not Provided
  • Training/Onboarding
    Online
  • Support
    Phone
  • 3rd Party Integrations
    Yes
  • Fees for Services
    Yes
  • Payments Accepted
    Yes
  • Software Provided
    Yes
WellsFargo Logo
WellsFargo
WellsFargo provides its users with up-to-date technologies and methods for all their financial needs. With the latest in payment technologies, users can accept a wide variety of payments from many different apps. This includes third-party providers like Apple Pay, Fitbit Pay, Garmin Pay, Google Pay, and Samsung Pay.

When it comes to payment processing, security is a crucial necessity. WellsFargo leverages EMV Chip Card Technology to provide enhanced security and greater convenience for its users. This technology has many benefits, such as preventing fraud, reducing liability, helping businesses expand operations, and accepting payment through contactless and mobile payments. It is considered a standard operating procedure in many countries worldwide.

Additionally, WellsFargo provides many resources to help onboard new users and aid them with their inquiries. Its customer support features include videos on payment processing, in-person contact through a phone or online, and an FAQ page on the most common problems users may run into.

Summary

WellsFargo Logo
WellsFargo
  • Starting Price
    • Custom Quote
  • Free Trial/Demo
    Free Demo
  • Training/Onboarding
    Not Provided
  • Support
    Phone, Online
  • 3rd Party Integrations
    Yes
  • Fees for Services
    Yes
  • Payments Accepted
    Yes
  • Software Provided
    Yes
Worldpay Logo
Worldpay
Worldpay has been known to bring in smarter, more efficient, and quicker payment solutions that are pertinent to every modern-day business. Its extensive assortment of services simplifies everything from increasing the frequency and transparency of payments to ensuring all transactions are secure and safe.

Along with creating a space for traditional payments, Worldpay adds a user-friendly and secure online payment system that's beneficial for online and brick-and-mortar businesses. It also provides intelligent reporting and analytical tools that help track every penny and ensure business owners have complete visibility into the business transactions.

With this best merchant account service provider, you can cover all sorts of businesses from Enterprise, Small and Medium Scale, and business partnerships. With operations in over 146 countries and 126 currencies, Worldpay is one of the most extensive merchant accounting systems on our list.

Summary

Worldpay Logo
Worldpay
  • Starting Price
    • Custom Quote
  • Free Trial/Demo
    Free Demo
  • Training/Onboarding
    Documentation
  • Support
    24/7 (Live Rep)
  • 3rd Party Integrations
    Yes
  • Fees for Services
    Yes
  • Payments Accepted
    Yes
  • Software Provided
    Yes

How We Chose the Best Merchant Account Services

Merchant account services include hardware and software that assist users with payment. They work to help users with the acceptance and processing of payments via credit or debit cards. In today’s society, technology has improved to allow other methods of payment such as Apple Pay. As a result, digital wallet payments have become more prominent due to their convenience. These additional services have also been included in the scope of best merchant account services. 

Choosing a merchant account service provider to handle and manage your service requests should be done with caution, be it a point-of-sale business or an online store. Choosing the wrong service provider means not adhering to the functional and regulatory frameworks set forth by respective governments and could result in legal prosecutions. Thus, users should take note of the country of their operation as well as the three criteria below when choosing the best merchant account services for their business. 

Fees

High fees from merchant services are a big deterrent when it comes to getting started, especially for start-ups and smaller companies. Besides looking at the extent of features and functions provided, users should focus on the costs of associating with a merchant service provider. An optimal service provider offers many features at a low price.

Software/Hardware Provided

An ideal merchant account services provider offers both software and hardware. Hardware accessories include card readers that are compatible with EMV and NFC. These aspects streamline the payments and allow businesses to accept chip cards, contactless cards, and mobile payments. Software is also an aspect that should not be overlooked, as it acts as a link between the bank, the business, and any payments that are made.

Training/Onboarding

Handling a merchant account service is easier said than done. When it comes to business transactions, it's best to take your time learning how things work rather than losing money because of a simple mistake. So when selecting the best merchant account services, businesses should first ask for additional provisions that include training. These methods can differ in how they are presented, such as documentation, webinars, or in-person support. When selecting a merchant service provider, some sort of training should be evident to help businesses understand the ins and outs of using the merchant account.