Best Small Business Credit Card Processing [2022]

When choosing the Best Credit Card Processing solution for your business, it is important to make sure you are picking a company that has all the processing features you need. Whether you are looking for a simple credit card reader or a customizable payment solution, make sure you get them from the top picks. Here are the Best ones for 2022:

Best Small Business Credit Card Processing [2022]

When choosing the Best Credit Card Processing solution for your business, it is important to make sure you are picking a company that has all the processing features you need. Whether you are looking for a simple credit card reader or a customizable payment solution, make sure you get them from the top picks. Here are the Best ones for 2022:

9.8/10
Outstanding

3045 reviews on 3 websites

Leaders Best Features:

  • Transparent Pricing & Rates Starting at 0.15%
  • Free EMV Terminal & Same Day Approvals
  • 24/7/365 Customer Support
Call Now 866-325-1339
  • Retail
  • Restaurants
  • Quick Service
  • 24/7 Support
  • Mobile Payments
9.4/10
Excellent

2728 reviews on 3 websites

Flagship Best Features:

  • Free Clover & EMV Terminal Options
  • Free Setup & No Upfront Costs
  • Same Day Funding Option
  • Retail
  • Terminals
  • Same Day Approval
  • eCommerce
  • Mobile Payments
9.2/10
Excellent

2427 reviews on 2 websites

Stax By Fattmerchant Best Features

  • Trusted by over 25K merchants
  • 0% Markup Processing
  • 24/7 Customer Support
  • Fast processing time
  • Online Setup
  • Chat Support
  • eCommerce
8.5/10
Good

1352 reviews on 3 websites

PaymentDepot Best Features:

  • Suits Most for Merchants Processing Over 5K 
  • No Long Contracts, Pay Month-to-Month
  • Next-day Funding Available
  • Retail
  • 24/7 Support
  • Secured Environment
  • EMV Reader
  • Mobile Payments
8.4/10
Good

545 reviews on 3 websites

CreditCardProcessing.com Best Features:

  • SMBs looking for VALUE
  • Simple straight-forward pricing
  • Savings (The More You Process, The More You Save)
  • Business Membership Perks
  • Retail
  • Restaurants
  • Terminals
  • 24/7 Support
  • Mobile Payments
8.2/10
Good

2370 reviews on 3 websites

Square Best Features:

  • Great for low-volume merchants
  • Affordable chip card readers
  • No setup, reporting or chargeback fees
  • iPad / tablet POS
  • Retail
  • Restaurants
  • Quick Service
  • Bars
  • Mobile Payments

Want your business to be reviewed on our site?

Apply now

Choosing the best credit card processing solution for your business is not only essential, it is also crucial that you choose the best solution for your type of business. There are subtle but fundamental differences between the free credit card readers from brands like Square or PayPal to the more robust readers hardware with the needed extra features. It also depends if you are looking for the best Credit Card Processing for a busy restaurant or an online business. Here are a few FAQ’s that will help you with your quest.

Credit Card Processing FAQ’s

Q: What are the main considerations one has to take into account when choosing a payment processor?

A: The first thing to consider when choosing a payment processor for your business, is which one offers the services best suited to your business. Cost is also a big consideration and you would need to do a thorough investigation into what you will have to pay, so that there are no surprises.

Q: What are the standard charges that I can expect to pay a payment processing company?

A: Apart from the initial set up and installation fees, you can expect to pay a monthly fee for this service, which will depend on which industry you are in, and the volume of payments you will be receiving. Other charges are interest and flat rates per transaction, which should be competitive for the industry, PCI compliance fees, chargeback fees and monthly sales processing limits.

Q: Will I need to sign a contract? What if I decide to cancel if I am not happy with their services?

A: Some payment processing companies do insist that you sign a contract which could be for up to 3 years. If you are a startup or small business, it might be best to find a company that charges per month without a contract. Signing a lengthy contract could be a problem if something should happen to your business and you close down, you would still be liable for a cancellation fee.

Q: How do I make sure that I am covered for all types of payments online and in my store?

A: You will have to make sure that the card payment processor you choose will allow you to receive payments from all major debit and credit cards and the processing terminal must have EMV capabilities which will also allow you to receive chip cards with greater fraud protection. Near Field Communication Technology is also important if you want to receive payments via digital wallets using smart phones or mobile devices.

Q: What happens with future updates on new technology?

A: Most credit card processing companies offer free updates that should keep you up to date with new technology.

Q: What if I only have a brick and mortar retail store and don’t work online?

A: With brick and mortar retail stores, it is important to have a good Point of Sale system that can be connected to mobile credit card readers and have the ability to accept all types of card payments.

Best tools to process credit card payments online

Best tools to process credit card payments online Credit card processing is the most important aspect of online trading. Which company you choose depends on finding the best rates and the features you need. The merchant account or Credit Card Processing (CCP) Company you deal with will have to be compatible with your website and offer cost effective rates. They...

Read more

Boost Your Business With Better Credit Card Processing

What Can Better Credit Card Processing Do For My Business? With today’s fast-paced shopping experience only continuing to advance, having a credit card processing company that can keep up with your business is more crucial now than ever before. When shopping around for a credit card processing company, it’s imperative to know what features will best fit your personal business...

Read more

6 Important Points For Choosing a Credit Card Processor

Your products are well-stocked, inventory is checked and organized, and you’ve got sparkling displays to entice customers into making a purchase. Maybe your e-commerce site has beautiful photos, great product descriptions, and an easy checkout system. You’re rearing to get started, but what about payment processing? One of the most important elements of a store, or any business, is accepting payments....

Read more
square alternative choices

Top 5 Square Alternatives for 2019!

Square makes it so that the proverbial middleman is as outdated as a caveman. With their simple, rapid, and streamlined account set up, you can quickly transition from signing up to enjoying the full benefits of having an active account in as little as 15 minutes, all without having to involve the assistance of a broker or a bank as...

Read more