Last Updated January 2026
BEST OF THE BEST
DESCRIPTION
MerchantOne offers everything from an entire POS system to a card swiper for your mobile devices. Th...
FEATURES
- Best For - full-service credit card processing
- Rates - starts at 0.29%
- Contract duration - 3 years
Pros
- The system is easy to use and set up
- The approval process is lenient
- No termination fees
- No equipment leases
- Interchange-plus pricing available
- Card processing options for online, mobile, and in-person payments
DESCRIPTION
Helcim is one of the best credit card processors for small businesses that process more than $5000 m...
FEATURES
- Best for - Small businesses doing credit card processing
- Rates - Starting at 0.30%
- Contract duration - Month to month
Pros
- The fees are transparent and upfront, no hidden fees
- Has a rate guarantee and will not increase the fees for the length of your contract
- Has many different methods of accepting payment
- There is no application fee, setup fee, or termination fee.
DESCRIPTION
If you’re a small business that transacts heavily, then Stax is a good start. Stax sells monthly con...
FEATURES
- Best for - Small businesses that transact heavily
- Rates - $99 every month plus $0.08 for every swiped payment or $0.15 per entered payment
- Contract duration - Monthly
Pros
- Zero transaction fees
- Digital dashboard (Stax Pay)
- 24/7 customer service
DESCRIPTION
Payment Deport makes membership pricing to make credit card processing affordable and simple for use...
FEATURES
- Best For - businesses with a processing value of at least $ 15,000
- Rates - start from $ 49 per month
- Contract duration - no contracts
Pros
- Month-to-month billing, no contracts
- Transparent membership pricing
- Great customer support
- No cancelation fees
- Easy to switch plans
DESCRIPTION
Worldpay offers a comprehensive range of merchant services designed to support businesses of all siz...
FEATURES
- Best For - Businesses seeking secure, scalable, and globally trusted merchant services for seamless payment processing
- Rating - 4.9/5
Pros
- Secure and reliable payment processing across multiple platforms
- Supports all major credit cards, debit cards, and digital wallets
- Advanced fraud prevention tools to protect transactions
- Customizable solutions for in-store, online, and mobile payments
- 24/7 customer support and detailed analytics for business insights
DESCRIPTION
Flagship is your best bet if you’re a small business owner. Flagship merchant service best identifie...
FEATURES
- Best for - Small businesses, E-commerce businesses, short contracts
- Rates - Starts at 0.35%
- Contract duration - Monthly basis
Pros
- Voted as the leading merchant service
- Offers low processing rates
- Monthly contracts
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.