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Top Merchant Credit Card Payment Processing Companies

By Amarendra Bhushan for CEOWORLD Magazine Updated:December 3, 2009


Whether you’re running a new business or just looking for a higher quality credit card processing service to accept credit cards for goods and services. It’s not only easy for you to track, but your customers appreciate the ease and accessibility of swiping their card or providing their account number for purchases.

You need to find a company that is both affordable, trustworthy, and honest, fitting your budget at all the same time, can accept all major credit cards – Visa, MasterCard, American Express, Discover and bank ATM Debit cards. There are many credit card processing companies to choose from, how do you know which one you should go with? Will they benefit your company? Are they affordable? Are they reliable?

Charge

Don’t lose another sale because you don’t take credit cards. Online and mail order businesses that don’t offer shoppers a credit card payment option lose over 80% of their impulse sales. Accepting credit cards will give your customers the confidence to order without hesitation. Charge.Com will assign to you one of our experienced account specialists who will carefully walk you through the simple process of becoming a credit card merchant.

Charge.Com waives your bank application fee, so there is no fee to apply. Other companies charge $250 or more, just to look at your application. Plus, our approval rate is one of the highest in the industry so you know your business will be accepting credit cards in practically no time. Click here to apply right now.

Merchant Warehouse

Opening up a store? Need to conduct credit card processing on your website or by phone? Whatever you need, Merchant Warehouse has a credit card processing solution perfect for your business. With our Low Cost Guarantee and expert service, you can relax knowing that you are going to get a great deal.

Retail Credit Card Processing-
If you are doing business face to face, accepting credit card processing has become a necessity. Whether you have a store, restaurant or kiosk, Merchant Warehouse can help your business set up a merchant account and accept credit cards for less money than you ever thought possible.

Wireless Credit Card Processing- For years the payment options for mobile merchants were limited to either cash or check. Today, wireless credit card machines have given mobile merchants access to the same credit card authorization networks as retail businesses.

MOTO Credit Card Processing - If you run a mail order business and/or take credit card payments over the telephone, you are participating in, what we call in the industry, MOTO Credit Card Processing. (MOTO = Mail Order Telephone Order). Essentially, this means that you collect credit cards in an environment where the customer and credit card are not physically present at the time of purchase. Another term used for this is card not present credit card processing.

Online Credit Card Processing- If you have an Internet store or own a retail e-commerce website, you will need online credit card processing. With the help of an online merchant account and credit card payment gateway, you can give your customers the option to purchase goods with the click of the mouse, at any time, day or night.

Gotmerchant

Gotmerchant.com is a small and large business merchant service provider, giving you everything you need to accept credit cards for your business. We have been providing a level of personal service unmatched by the largest processors since 1998. Whether you are a small business or a large retailer, we have a processing solution to meet your needs. We handle acceptance for Visa, MasterCard, Discover & American Express.

Flagship Merchant Services

Flagship Merchant Services is offering several solutions for businesses. One interesting thing about this firm is that its not only an ordinary credit card processing company, rather a full fledge underwriter. Thus it is able to send money to your account within two business days. They charge no application fee. You have to pay only monthly fees and other additional charges. It also takes less time for processing an application. Flagship Merchant Services is offering a bunch of terminals for retail merchants. Let’s have a look.

The First Data FD50 terminal helps protect customers from fraud and identity theft with advanced security. It is able to process Visa, MasterCard, Diners Club, American Express, Discover, JCB and cards. Moreover, the FD50 terminal can also accept contact less payments, electronic benefits transfer (EBT), and checks using TeleCheck Electronic Check Acceptance (ECA) or paper solutions.

Electronic Transfer Inc.

Acccept All Major Credit Cards as well as Electronic Checks, Debit Card Payments, and Private Label Gift Cards; processes Non-Cash Transactions for Internet Businesses, Mail – Phone Order Merchants, and Retail Point-of-Sale Merchants, as well as processing Checks and Direct Debits online and by phone with a merchant account.

Internet Credit Card Processing requires more security and agressive fraud controls than retail credit card processing because the credit card cannot be verified by swiping the credit card like you do with a retail merchant account. For this reason it’s very important to deal with a company that specializes in internet transactions and Internet Merchant Accounts.

First Data

First Data is a leading provider of electronic commerce and payment processing services to financial institutions, governments and merchants in more than 50 markets around the world.

First Data offers a broad range of payment solutions tailored to regional and local market requirements, including: Issuing and consumer finance processing, Acquiring processing and switching, Merchant acquiring, ATM and POS management, Value-added services such as risk and fraud management, Contact centre, back office and output services.

Chase Paymentech

Chase Paymentech is a payment processor. We enable your business to authorize and transmit transactions by credit card, debit cards, fleet cards, private label cards, electronic gift cards and corporate cards, etc. We also settle the funds through the card Associations (e.g. MasterCard® and Visa®) and deposit funds to your checking account. In addition, we handle adjustments, chargeback processing, merchant billing and account activity reporting.

credit-card-processing

The Transaction Group

Most internet merchant account processors will charge a $25 Monthly Minimum – which means if you’re not processing around $1200 a month in Visa/MasterCard transactions, you can be charged an additional monthly fee up to $25 for your credit card processing.

A lot of other credit card processing companies (especially those offering you a “free” terminal) will charge you a yearly fee that ranges from $30-$200. They’ll either call it an annual fee, membership fee, or a risk assessment fee.

goEmerchant Merchant Accounts

Payment Gateway is a package of merchant services designed to flawlessly connect with your existing website and shopping cart software. The result? Through programming of the online electronic payment gateway, you’ll be able to create a selling experience that is quick, hassle-free, and enjoyable for your online customers. You retain control of your site, how it functions, how it looks, and more through the programming you implement.

Advanced Internet Payment Gateway Solution Keeps You In Control- Do you have your own website and shopping cart software, but need a reliable Internet payment gateway? Our Payment Gateway Package will equip you with an affordable merchant account and Internet payment gateway so you can accept credit cards in real time directly from your site

Authorize.net

The Authorize.Net Payment Gateway can help you accept credit card and electronic check payments quickly and affordably.

More than 250,000 merchants trust Authorize.Net to manage their transactions, help prevent fraud, and grow their business.

AlertPay

Alertpay credit card processing gateway provides international payment capabilities to send money securely through email or other online tools.  Based in Montreal, Quebec, and founded in 2004, all monies deposited with AlertPay are FDIC insured, and they specialize in fascilitating the processing of monies online without exposing personal or financial information.  As a payment gateway for credit card processing, AlertPay can help you process credit cards without the need for a merchant account.

iTransact

iTransact’s services allow Internet, bricks-and-clicks, and traditional brick-and-mortar merchants to accept payments via credit, debit, and gift cards, as well as electronic checks (and/or check conversion with check guarantee). Securely. 24 hours per day, 365 days per year.

iTransact provides merchant accounts directly to merchants, as well as indirectly – as the merchant account partner to various credit unions, banks, network marketing companies, and other trade associations. With an iTransact merchant account, you can integrate a physical terminal or a payment gateway obtained either from us or a competitor. Even if you already have a merchant account, let us give you a quote; in virtually every case, we can provide both better rates and better service than you are currently receiving.

MerchantPlus

MerchantPlus offers the Internet’s best all-inclusive package for accepting credit cards online, over the phone or for mail orders! In addition to years of experience enabling Internet businesses, our rates are unbeatable and we guarantee you won’t find a better deal anywhere.

With all the choices online for Internet, Retail, and Wireless merchant credit card processing, it can be hard to find the best solution. We take the guesswork out by offering low-rate, flat-fee, direct merchant accounts supreme customer service – and we even show you how we stand against our competitors in our constantly updated Comparison Tables.

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  • naima5400
    Specializing in small and medium-sized businesses in both traditional and Internet environments, www.damerchantservices.com has one of the highest merchant acceptance rates in the industry, with most applications approved within two business days.

    In addition, our technological advances have effectively harnessed and exceeded the growing demands in the processing industry—allowing us to support nearly every vertical market with increasing and profitable business solutions.
  • Please, see this stuff - http://tillebille.com/
    Also, free merchant account from LiqPay.
  • Hello. See this, please - http://tillebille.com/
    Free merchant account from LiqPay.
  • paynetsystems
    Accept credit cards, merchant account services, card processing service. Lowest pricing on all credit card processing services, accept credit cards, Merchant Credit Card Processing Services and Merchant Account Services at Paynet Systems.
    For more info please visit www.paynetsystems.com/html/affiliates.htm
  • saumie
    No matter who you decide to contract with before accepting credit cards, you absolutely need to do all you can do to GET EDUCATED on how the industry works and how rates are determined. It's the only way you'll know for sure that you've got what is best for your business.

    I'm a semi-retired long-term merchant services rep and have developed an educational ebook that will provide more knowledge than what 90% of the reps that are walking thru your door have. Whether you're a new or existing business, this will be an invaluable resource tool for you. You can find it at www.creditcardprocessingknowledge.com
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