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You've Successfully Entered the Merchant Negotiators 2015 Small Business Grant Contest!

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Voting will begin on August 15th. Look out for an email from us in the weeks before, and we'll send you all the information you need to promote your business and increase your chances of winning the 1st place prize! In the meantime, why not tell your friends, family, and customers you've entered?
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Best Merchant Service Providers for 2016

Overall
< $2500 /mo
High Risk
International
Non-Profit
eCommerce
Small Business

Overall Rating:
User Reviews:

Award-Winning customer service, free equipment and setup, and aggressive pricing make them ideal for low risk retail merchants who will process above $5,000 per month.

Rates
0.25% - 1.99%
Features
  • 24/7 Customer Support
  • BBB A+ Rating
  • Free Equipment

Overall Rating:
User Reviews:

Personalized customer service, multiple equipment and gateways, and integrated chargeback protection make them the best high risk merchant services provider.

Rates
1.99% - 4.95%
Features
  • Free Equipment
  • Accepts All Risks
  • Top Customer Service
Special OfferGet 1 month FREE chargeback billing support service monthly fee. Code: CBFREE16. Claim Offer

Overall Rating:
User Reviews:

Providing industry leading customer service, straightforward pricing, and no contracts, Netcom extends these benefits to mid-risk merchants, making them a top choice for a wide range of businesses.

Rates
0.25% - 2.60%
Features
  • No Setup Fee
  • No Monthly Minimums
  • Month-To-Month

Overall Rating:
User Reviews:

Flagship Merchant Services is a top choice for retail businesses of all sizes. With free equipment, no setup fees, and month to month contracts, many first time processors choose Flagship.

Rates
0.38% - 1.99%
Features
  • Free Setup
  • Free Equipment
  • Month to Month

Overall Rating:
User Reviews:

Ideal for small, mid-sized retail & e-commerce businesses, they offer free equipment, gateway & ecommerce integration, 24/7 customer service, and cheap pricing.

Rates
0.25% - 1.75%
Features
  • Free Equipment
  • Accepts High-Risk
  • 24/7 Customer Support

Overall Rating:
User Reviews:

No equipment required at all. This company uses your smartphone camera to scan the credit card info securely. With cheap rates, no equipment, and same day setup, a good solution for companies with in-person sales under $2,500 per month.

Rates
1.95% - 2.95%
Features
  • Clear Pricing
  • No Startup Costs
  • Month-To-Month
Overall Rating:
User Reviews:

For merchants doing under $2,500 per month, getting live customer support that you can call is rare. Add in good prices, free mobile swiper and no setup fees, and this is a good option for micro-businesses.

Rates
1.69% - 2.69%
Features
  • Next Day Funding
  • No Setup Fees
  • Live Customer Support

Overall Rating:
User Reviews:

A full-service processor with a startup package that's ideal for new businesses currently under $2,500 per month that plan to grow to above $5,000 per month. Great customer service, free equipment and setup, and aggressive pricing.

Rates
0.15% - 3.45%
Features
  • 24/7 Customer Support
  • BBB A+ Rating
  • Free Equipment

Overall Rating:
User Reviews:

Since 2007, they were first to offer mobile based swipes, free equipment, and flat pricing. Expensive, their selling point is that you get unlimited phone support and can accept online payments.

Rates
2.90% - 2.90%
Features
  • Unlimited Phone Support
  • Can Accept Online Payments
  • Android/Windows Compatible

Overall Rating:
User Reviews:

The most widely recognized mobile payments company for micro-businesses, Square offers no monthly fees, and flat pricing. Often criticized for not offering phone customer support and being expensive, it's easy to setup.

Rates
2.75% - 3.50%
Features
  • No Monthly Fees
  • Offer an iPad Register
  • Android Compatible

Overall Rating:
User Reviews:

Accepts US, Euro & Offshore high-risk businesses, they offer great customer service, free equipment, integrated gateways, and chargeback avoidance technology. Fast approvals and accepts new businesses.

Rates
1.95% - 7.95%
Features
  • US & Offshore
  • Accepts All Risks
  • No Application Fee
Special OfferGet 1 month FREE chargeback billing support service monthly fee. Code: CBFREE16. Claim Offer
Overall Rating:
User Reviews:

One of the largest acquiring banks, they serve business ranging from small startups to some of the largest businesses in the world, including US high risk businesses with bad credit or bankruptcies.

Rates
1.99% - 4.95%
Features
  • Accepts High-Risk
  • Accepts Offshore Accounts
  • Top eCommerce Integrations

Overall Rating:
User Reviews:

The largest global credit card processor, accepts US and Canada based businesses, including high risk. With no setup fees, and aggressive pricing.

Rates
1.99% - 4.99%
Features
  • Free Setup
  • Free Equipment
  • Month to Month

Overall Rating:
User Reviews:

Excellent customer service and interchange plus pricing, Leap primarily handles low risk, but does write businesses with bad credit or bankruptcies.

Rates
1.95% - 4.95%
Features
  • No Setup Fee
  • Interchange Plus
  • Month-To-Month

Overall Rating:
User Reviews:

Providing industry leading customer service, straightforward pricing, and no contracts, Netcom extends these benefits to mid-risk merchants, making them a top choice for a wide range of businesses.

Rates
1.99% - 4.99%
Features
  • No Setup Fee
  • No Monthly Minimums
  • Month-To-Month

Overall Rating:
User Reviews:

Accepts US, Euro & Offshore high-risk businesses, they offer great customer service, cheap pricing, integrated gateways, and chargeback avoidance technology. Fast approvals and accepts new businesses.

Rates
1.95% - 7.95%
Features
  • US & Offshore
  • Accepts All Biz Types
  • No Application Fee
Special OfferGet 1 month FREE chargeback billing support service monthly fee. Code: CBFREE16. Claim Offer
Overall Rating:
User Reviews:

A company that boards over 90% of the high-risk businesses that apply, offers an easy and affordable solution for international eCommerce, offshore, and high-risk businesses (excluding adult).

Rates
0.35% - 3.65%
Features
  • No Contract
  • No Cancellation Fees
  • Accepts New Non-Profits

Overall Rating:
User Reviews:

For businesses that want excellent customer service and clear interchange plus pricing, Leap is a good option. Particularly good if you have bad personal or business credit, as they handle mid-risk merchants well.

Rates
0.34% - 2.69%
Features
  • Clear Pricing
  • No Cancellation Fees
  • Month-To-Month

Overall Rating:
User Reviews:

Specializing in high-risk merchants, they're ideal for offshore, international, adult, outbound marketing, SEO, and other high-risk businesses, as well as merchants with bad credit or bankruptcies.

Rates
1.95% - 10.95%
Features
  • Accepts High-Risk
  • Accepts Offshore Accounts
  • Accepts All Biz Types

Overall Rating:
User Reviews:

Through their partner company, CardConnect writes US based high-risk business. Straightforward agreements & pricing, good customer service, and quick approvals.

Rates
0.25% - 1.75%
Features
  • Free Equipment
  • Accepts High-Risk
  • 24/7 Customer Support

Overall Rating:
User Reviews:

Excellent customer service, developer friendly gateway, low pricing, and a higher risk tolerance, make NetCom a good choice for smaller online / eCommerce US based websites.

Rates
0.25% - 2.60%
Features
  • No Setup Fee
  • No Monthly Minimums
  • Month-To-Month
Overall Rating:
User Reviews:

Full-service processor with a discounted package for nonprofits with cheap interchange+ pricing and a free donate button. Non-profits also get a gateway, developer API, mobile pay options, and top customer service.

Rates
0.23% - 2.58%
Features
  • Non-Profit Discounts
  • Quick Start Package
  • Month-To-Month

Overall Rating:
User Reviews:

Award-Winning customer service, free equipment, mobile processing, and discounted non-profit pricing make them ideal for non-profits and charities who do, or will process, above $5,000 per month.

Rates
0.15% - 3.45%
Features
  • 24/7 Customer Support
  • BBB A+ Rating
  • Free Equipment

Overall Rating:
User Reviews:

For very small non-profits with under $2,000 per month in donations, PayAnywhere is a good option. They offer a free mobile swiper, no setup fees and live customer support via phone.

Rates
1.69% - 2.69%
Features
  • Next Day Funding
  • No Setup Fees
  • Live Customer Support

Overall Rating:
User Reviews:

Offering cheap rates with discounts for 501(c)3s, great customer service, and complete non-profit solutions. Accepts new non-profits.

Rates
0.20% - 1.95%
Features
  • No Haggle Pricing
  • Cheap Rates
  • Top Customer Service
Special OfferGet 1 month FREE chargeback billing support service monthly fee. Code: CBFREE16. Claim Offer

Overall Rating:
User Reviews:

Ideal for e-commerce businesses below $1M per month, they offer gateway & ecommerce integration, US customer service, chargeback prevention and cheap pricing.

Rates
0.25% - 1.75%
Features
  • 24 Hour Approval
  • Accepts High-Risk
  • Free Setup
Special OfferGet 1 month FREE chargeback billing support service monthly fee. Code: CBFREE16. Claim Offer
Overall Rating:
User Reviews:

Built for eCommerce, online and mobile businesses, BluePay has an excellent gateway, technology and a strong integration team. A good choice for mid-sized and large B2B, B2G (Government), and ecommerce merchants.

Rates
0.95% - 2.60%
Features
  • Next Day Funding
  • 24/7 Customer Service
  • Low eCommerce Rates

Overall Rating:
User Reviews:

Low interchange+ pricing, excellent eCommerce integration via the Authorize.net gateway, and free setup for online merchants makes them ideal for ecommerce / online businesses.

Rates
0.35% - 1.75%
Features
  • Free Authorize.net
  • Free eCommerce Setup
  • Month-to-Month

Overall Rating:
User Reviews:

Excellent customer service, developer friendly gateway, low pricing, and a higher risk tolerance, make NetCom a good choice for smaller online / eCommerce US based websites.

Rates
0.25% - 2.60%
Features
  • No Setup Fee
  • No Monthly Minimums
  • Month-To-Month

Overall Rating:
User Reviews:

Very developer friendly, they're already integrated with APIs for dozens of leading online shopping carts/client-side payment processing/gateways. Good prices & experienced tech integration team.

Rates
0.23% - 2.58%
Features
  • Developer Friendly
  • Top Integration Team
  • Month-To-Month

Overall Rating:
User Reviews:

Award-Winning customer service, free equipment and setup, and aggressive pricing make them ideal for retail small businesses processing above $5,000 per month.

Rates
0.15% - 3.45%
Features
  • 24/7 Customer Support
  • BBB A+ Rating
  • Free Equipment
Overall Rating:
User Reviews:

Providing industry leading customer service, straightforward pricing, and no contracts, Netcom extends these benefits to mid-risk merchants, making them a top choice for a wide range of businesses.

Rates
0.25% - 2.60%
Features
  • No Setup Fee
  • No Monthly Minimums
  • Month-To-Month

Overall Rating:
User Reviews:

Low interchange+ pricing, free equipment (mobile or traditional terminal), no setup fees, and full recurring billing, ecommerce, and point of sale integration make this a good option for small businesses in most industries.

Rates
0.35% - 1.75%
Features
  • No Setup Fees
  • Free Equipment
  • Month-to-Month

Overall Rating:
User Reviews:

Offering two transparent pricing plans: Basic & Pro, with cheap interchange plus rates, fast approvals and great customer service. Ideal for retail & online small businesses

Rates
0.20% - 1.95%
Features
  • No Haggle Pricing
  • Cheap Rates
  • Top Customer Service
Special OfferGet 1 month FREE chargeback billing support service monthly fee. Code: CBFREE16. Claim Offer

Overall Rating:
User Reviews:

A true full-service processor, they integrate with almost every POS system, software, gateway or other technology, and they do it in a simple to use format that small businesses can actually use. Ideal for small businesses with specific technology or POS needs.

Rates
0.15% - 3.45%
Features
  • Same Day Approvals
  • 98% Approval Rating
  • 24/7 Customer Support

 

These Companies Have Saved Thousands by Using MerchantNegotiators:

Dr. Amber Pedlar
Dentist / Founder
Pedlar Dentistry

"We were uncomfortable signing the first contract that we got and wanted to compare different companies...

We were able to compare 3 different credit card [processing] companies. It took 10 minutes, we picked one, and were able to save $3,000 dollars."

Chris Pavlick
Partner
AllCo Global

"They will monitor contracts, offer low rates, offer you a choice of companies to deal with, and most importantly, they hooked us up with someone that appreciated and understood international transactions.

Therefore we are extremely pleased to have found MerchantNegotiators.com."

Jimmy Atkinson
Co-Founder
MonetizePros.com

MerchantNegotiators.com was able to secure cheaper rates than I was ever able to on my own.

I'm quick to recommend MerchantNegotiators.com to any business owner that takes credit cards. It's fast, it's free, it's easy, and best of all it can actually save you money."

Choose the Type of Processor that's Right for You

Cheapest

Interchange or Tiered Pricing? Who cares, just pay the least.

Best Cheap Processors

Finance Businesses

Run a finance business like Debt Collection or Credit Repair?

Best By Transaction Type

Unique Features

Recurring billing or continuity? HIPAA or Int'l sales?

Top Processor by Feature

By Business Type

Best for your SEO / SEM, small, or nonprofit business?

Top for Startup, Small, Nonprofit

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Recent Credit Card Processing Company Reviews

Soar Payments Merchant Services

Soar Payments provides offshore and high risk merchant accounts, using straightforward pricing and industry leading customer service.

For low risk US merchants, Soar Payments offers two very cheap interchange plus pricing plans for retail and online merchants, the Basic and Pro plans, respectively. On the high risk and offshore side, they work with over 25 acquiring banks and processors, and dozens of gateways. This enables them to write a wider range of high-risk merchants than most other high-risk merchant providers.

CardConnect Merchant Services

CardConnect has been one of the fastest growing merchant services providers particularly for small and mid-sized merchants doing less than $5,000,000 in gross credit card sales per year.

 

We found very few complaints about this company, which supplies both low and high risk businesses with a broader array of features and services than most other processors. Their customer service and sales teams also performed well in our test calls.

GPN Data Merchant Services

GPN Data is an offshore credit card processing company that serves high-risk merchants, international merchants, merchants with a history of chargebacks or rejections by credit card processors and merchants that need to sell globally. 

Very expensive compared to a low-risk processor, GPN is one of the cheapest offshore processors, but require that merchants process at least $15,000 in gross credit card sales each month in order to qualify.