The best merchant account service lets you receive credit and debit card payments both online and in person from your clients. Additionally, you also get extra payment processing tools like virtual terminals, point-of-sale (POS) systems, payment gateways and card-reading devices. Merchant accounts can also be categorized into four segments, including local, offshore, direct and high risk. Our top 10 picks will help you to identify the best merchant services for your payment transactions.
Last Updated January 2026
OUR RATINGS
Our Research Has Helped Millions of Users To Get Lowest Prices From Leading Providers.

Compare the best brands side by side
Work only with suppliers you choose
Compare quotes to save money

MerchantOne offers everything from an entire POS system to a card swiper for your mobile devices. They customize their packages to fit your business needs. They accommodate all sorts of businesses, including large enterprises and small organizations. Their monthly fee is $ 6.95, and it gives you access to 24/7 customer support services. However, their prices vary depending on the type of business. They don’t believe in leases, so you won’t be signing any contracts. They can set you up with a merchant account within 24 hours. They accept Visa, American Express, Discover, and Mastercard. They have plenty of credit card machines and hardware to choose from. They use advanced technology to make transactions easy.

Helcim is one of the best credit card processors for small businesses that process more than $5000 monthly because it has a one flat price and a monthly contract which you can leave anytime without paying a termination fee. Helcim gives a rate lock guarantee, which cannot increase the pricing. It has competitive rates and is cheaper than most credit card processors because it uses the interchange plus charging model for credit card transactions.
Their rates are cheaper than their competitors. With Helcim, you will access features such as point-of-sale software, QR code payments, and a hosted online store. Other features available are a virtual terminal, recurring payments and invoicing. It can integrate with other software such as Quickbooks online and desktop and shopping carts such as Magento. All these features do not come at an extra cost.

If you’re a small business that transacts heavily, then Stax is a good start. Stax sells monthly contracts and has zero transaction fees.
You can also view built-in analytics, API and get support for e-commerce payments, all thanks to its digital dashboard called Stax Pay. The service also sports one of the best 24/7 customer support. The best part, you can terminate your contract early without incurring any cancellation fee.

Payment Deport makes membership pricing to make credit card processing affordable and simple for users. It's customizable enough to fit all businesses. They guarantee satisfaction with their 90-day full refund. You can switch membership plans at any time, depending on how your business grows. The application process is pretty simple, it takes a few minutes, and you can complete everything over a call with their representative. Their credit card processing services focus on the merchant rather than the bank. That is because a bunch of entrepreneurs spearheads payment Depot. The company has received a lot of favorable reviews online. They don't approve high-risk merchant accounts; you should look somewhere else if you are one. They have all the bases covered when it comes to helpful features. Pick from any of their three standardized plans and explore some of their services.

Worldpay offers a comprehensive range of merchant services designed to support businesses of all sizes with secure and efficient payment processing. With decades of experience in financial technology and global commerce, Worldpay enables businesses to accept credit cards, debit cards, and digital wallets, both in-store and online.
Merchants benefit from Worldpay’s advanced fraud protection tools, 24/7 customer support, and transparent reporting systems. Whether you operate a brick-and-mortar store or an e-commerce platform, Worldpay provides flexible solutions that can adapt to your growing payment needs.

Flagship is your best bet if you’re a small business owner. Flagship merchant service best identifies with the multiple options it offers its users. Furthermore, it’s been voted as leading merchant service for 8 years now. This is because Flagship is the best solution for a wide pool of businesses, including mobile, online, MOTO, in-store and more. You also get multiple payment options like EMV, NFC, Google Pay, Apple Pay, Samsung Pay and more. As such you can rely on Flagship to process your credit and debit card payments as well. The best part, Flagship doesn’t have commitment contracts and no cancellation fees.
What’s more, Flagship lets you select your preferred free hardware from Clover Mini POS system. Alternatively, you’re also free to choose from the EMV certified terminal when signing up. Additionally, Flagship gives a robust business management portal where you can monitor your transactions online. There’s also an offer of funding at sign up as well as cash advances nearing $150,000. Top of the list is the processing rate cover. This means that you receive a $200 AmEx gift card compensation if the service can’t offer the cheapest processing costs.
OUR RATINGS
Our Research Has Helped Millions of Users To Get Lowest Prices From Leading Providers.

Compare the best brands side by side
Work only with suppliers you choose
Compare quotes to save money