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Best Merchant Services for Small Business

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:

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

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
Overall Rating:
User Reviews:

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.

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


For More Information About Small Business Processing Options or To Sign Up


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

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  • 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

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  • Eligibility: Beneficial for growing businesses
  • Price: With discounted pricing available exclusively through MerchantNegotiators.com (sign up here) small business owners can get cheap interchange plus pricing (interchange + 0.3%), with low monthly fees.
  • Summary: CreditCardProcessing.com is a full-service credit card processing company that offers the level of service and features that mid-sized businesses need. Through the discounted pricing they offer via MerchantNegotiators.com it becomes an attractive option for small businesses who want to grow.
  • What’s the Catch? CreditCardProcessing.com has monthly fees (albeit not unreasonable ones), which makes it not an ideal fit for very small businesses, or companies that don’t plan to quickly grow beyond $2,500 per month. If you plan to stay below $2,500 per month in total credit card processing, you’re going to be paying more in monthly fees than you save in lower per transaction charges. Thus, there are other processing companies that are better fits for your business.
  • $5,000+ Monthly Sales: Paylinedata.com

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  • Eligibility: Beneficial for merchants that value transparency in biling.
  • Price: Paylinedata.com offers two plans, both based upon Interchange Plus pricing: one under $5,000 per month in sales (Interchange + .50% + $.10 per transaction + $10 per month), and one over $5,000 per month in sales (Interchange + .20% + $.10 per transaction + $10 per month).
  • Summary: Paylinedata.com is a fairly new company, so they don’t have many complaints. The few complaints they do have center on merchants who didn’t understand merchant accounts and Interchange Plus pricing. Therefore, we promote this business more to the $5,000+ per month in sales small business owner.
  • What’s the Catch? Although Paylinedata.com offers plenty of educational materials online and appear to maintain a superior service department, we want to steer very small businesses under $2,500 per month away from this processor. Paylinedata.com does require equipment, and a little setup, and for merchants under $5,000 not the best pricing. That said, for those above $5,000 the rates are easy to understand, they’re cheap, and there are no hidden agendas.
  • 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.

    As seen in...


    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.

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    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."