Square Point of Sale
4.5
PROS
- Straightforward pricing.
- Many customer support channels available.
- Outstanding hardware options.
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CONS
- Account freezes may occur with rapidly growing businesses due to the appearance of fraudulent activity.
- Lacks modules for reporting or inventory management.
- Larger organizations may have to pay high fees.
THE BOTTOM LINE
Square Point of Sale is an option with a great feature selection for organizations looking for flat, predictable pricing. With all that it offers and a reasonable price, it takes our Editors' Choice award.
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Payline Data
4.0
PROS
- Good choice for high-risk merchants.
- Transparent, interchange-plus pricing.
CONS
- Pricing for equipment is not listed on the website.
THE BOTTOM LINE
Payline Data delivers secure payment technology to both small business and enterprise customers. It has a good reputation when it comes to customer service, and its tool kit checks all the boxes that most e-commerce merchants require.
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$0.00 at Payline
Intuit QuickBooks Payments
PROS
- Solid pricing options.
- Wealth of integrations.
- Works across mobile and desktop.
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CONS
- Competition offers some of the same connections to QuickBooks Online.
THE BOTTOM LINE
Intuit QuickBooks Payments is a no-brainer if your retail operation is already standardized on QuickBooks for general accounting. If you're not an Intuit customer, then this payment gateway is still a solid choice, though it can get a little pricey for some.
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Free at QuickBooks Self-Employed
Helcim
PROS
- Pricing and fees clearly outlined on the website.
- No outbound sales team.
CONS
- Not an ideal service for micro vendors.
THE BOTTOM LINE
Helcim provides credit card processing the way small businesses need it: with complete transparency. All of its pricing is clearly spelled out on its website and if anything confuses you, the company provides a host of online tutorials and how-to guides.
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Cayan
PROS
- Custom pricing.
- 24/7 support.
- Responsive customer service.
CONS
- Termination fee after 60 days.
THE BOTTOM LINE
Cayan does a solid job as a payment processor, delivering a good range of hardware and software combined with an open API. While you'll need to negotiate a fair price, if that hurdle doesn't bother you this service is well worth a look.
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Free at TSYS
Payment Depot
PROS
- Easy-to-understand pricing plans.
- Money-back guarantee.
CONS
- Not price-feasible for smaller businesses and startups.
THE BOTTOM LINE
Payment Depot impresses with a wholesale-style pricing structure because that lets customers better predict what they'll wind up paying. But even so, the end price for this service seems a little too high for most small business operators.
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Credit Card Processing.com
PROS
- Offers interchange-plus pricing.
- No cancellation fees.
CONS
- "Free" equipment offers could be deceptive.
- Monthly minimums apply.
THE BOTTOM LINE
CreditCardProcessing.com falls into a trap that several of its competitors have also tripped: it's great when it comes to offering a full range of pricing plans and processing equipment, but is too vague about exactly what everything costs.
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Free at CreditCardProcessing.com
Flagship Merchant Services
PROS
- No cancellation fees.
- Interchange plus pricing is an option for merchants.
CONS
- Tiered pricing is often unpredictable.
- Equipment pricing not listed.
THE BOTTOM LINE
Flagship Merchant Services has everything most customers will want from a credit card processing service, but its somewhat unclear on what everything costs.
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Free at Flagship Merchant Services
National Bankcard
PROS
- Offers interchange-plus pricing as an option.
CONS
- No pricing listed on its website.
THE BOTTOM LINE
National Bankcard has a good reputation for customer service and also offers several forms of payment processing and pricing as well as a full line of hardware. However, like some of its competitors, the company is overly vague about its pricing.
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Free at National Bankcard
Sam's Club Merchant Services
PROS
- Transaction pricing listed on the website.
CONS
- Equipment pricing not advertised.
- Pricing for AMEX transactions not advertised.
THE BOTTOM LINE
Sam's Merchant Services stands apart because it's one of the few credit card processing services that is upfront about its pricing on its website. However, it falls short again by using proprietary hardware equipment and locking you into a multi-year contract.
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