Award-Winning customer service, free equipment and setup, and aggressive pricing make them ideal for retail small businesses processing above $5,000 per month.
- 24/7 Customer Support
- BBB A+ Rating
- Free Equipment
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.
Offering two transparent pricing plans: Basic & Pro, with cheap interchange plus rates, fast approvals and great customer service. Ideal for retail & online small businesses
- No Haggle Pricing
- Cheap Rates
- Top Customer Service
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.
- Same Day Approvals
- 98% Approval Rating
- 24/7 Customer Support
Focused on B2B, B2G (government), eCommerce, and mobile paying merchants, BluePay offers excellent website and technology integration, making it ideal for small businesses that sell to other businesses, government, or online.
- Next Day Funding
- 24/7 Customer Service
- Low eCommerce Rates
As a small business owner you need to be able to accept credit cards to serve your clients. But losing 3-4% of every sale to credit card processing can make it feel like it’s almost not worth it. Thankfully, there are a few merchant services providers that offer attractive pricing and terms to small businesses.
In this article, we present what we consider to be the best merchant services for small businesses.
Under $1,500 Per Month: Flint
- Best For: The smallest small businesses; those making less than $1,500 per month.
- Price: Flat Fee Pricing: Debit Transaction: 2.95%; Credit: 2.95%.
- Summary: Flint makes it easy for small merchants who take in $1,500 or less in sales per month to take an occasional credit card payment. Instead of a terminal, you use your smartphone’s camera and take a picture of the credit card to take a payment. They’re month-to-month with no early termination fees.
- What’s the Catch? You’re paying more per transaction with Flint than with the other providers ranked in this article, but with no monthly fees, if you only take a few payments per month, it actually works out to be the cheapest option for you.
$1,500 – $5,000 Monthly Sales: CreditCardProcessing.com
$5,000+ Monthly Sales: Paylinedata.com
Conclusion
The list we offer above shows that we’re fond of flat pricing for the very smallest merchants, then but we prefer Interchange Plus for typical small businesses. In general, we prefer this over tiered pricing because the interchange pricing is typically more transparent, and requires less time for the small business owner to monitor. With that said, the difference between the two pricing structures doesn’t amount to much until businesses reach a certain level in sales (usually over $10,000 per month).
If you have any additional questions about selecting a merchant account services provider, call us or use our match too to search 40+ providers. That tool can provide you with a more complete picture of the best fit for your company beyond simply the size of your business.
