Last updated: August 1, 2015

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Best Credit Card Processing Companies and Services - August 2015

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Rank

Company Name

Year
Founded

Revenue

Fulltime
Employees

Active
Clients

Client
Retention
Rate

Pricing

Major Clients

Other Core
Services

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Overall Score

0
100
 
G
VG
E
 

Change in Rank

Leaders

1

Leaders Merchant Services Camarillo, California

Ben Simmons
800-260-2904
More info

Visit Website

2000

$5 million - $10 million

434

100,000+

98%

L

Hampton Inn, Days Inn, Thrifty Car Rental, Subway, Curves

 

100

 

100

 

100

 

100

 

100

100%

NC

 

2

Credit Card Processing Specialists Grandville, Michigan

Mike Konig
877-554-5853
More info

Visit Website

2010

$250,000 - $1 million

26 - 50

1,000+

98%

H

Main Street Technologies, Advance Auto Parts, South Central Pallets, Discovery Network, Ace Hardware

 

100

 

99

 

100

 

100

 

100

99.8%
Increased +10

+10

 

3

Merchant Warehouse Boston, Massachusetts

Andrew Blair
800-749-2173
More info

Visit Website

1998

$5 million - $10 million

556

100,000+

98%

L

Retail Proo, Lightspeed, The Orchard, By Brooklyn, Popcorn Paws

 

98

 

100

 

100

 

99

 

100

99.4%

NC

 
Strong Performers

4

i3 Verticals Atlanta, GA

Howard Conoly
855-786-5872
More info

Visit Website

2005

$3 million - $5 million

146

15,000+

99%

L

Select Market Insurance (SMIG), California Closets, Kirks Framing Inc.

 

99

 

98

 

100

 

98

 

100

99%

NC

 

5

RedFynn Thousand Oaks, California

Elton Hernandez
888-510-9871
More info

Visit Website

2002

Above $10 million

400

153,000+

99%

L

Confidential

 

97

 

99

 

100

 

98

 

99

98.6%

NC

 

6

Transparent Merchant Services Scottsdale, Arizona

Ryan Yarter
855-418-7987
More info

Visit Website

2008

$1 million - $3 million

11 - 25

200+

97%

H

Action Termite, Geronimo Hospitality, Adage Dance and Fitness, Surety Placement Services, Advantage Inspection Services

 

100

 

99

 

96

 

97

 

100

98.4%

NC

 
Contenders

7

CardConnect Chicago, Illinois

Michael Mertz
877-894-2299
More info

Visit Website

2006

$5 million - $10 million

Above 100

50,000+

98%

H

The New York Times, Adobe, Crocs, Dow Chemical, Jelly Belly

 

96

 

98

 

96

 

98

 

100

97.6%
Increased +22

+22

 

8

Maverick BankCard, Inc. Agoura Hills, California

Alan Griefer
800-464-9777
More info

Visit Website

2000

$3 million - $5 million

15-30

200+

98%

L

Confidential

 

94

 

94

 

96

 

95

 

93

94.4%

NC

 

9

Harbortouch Allentown, Pennsylvania

Brian Jones
800-201-0461
More info

Visit Website

1999

$5 million - $10 million

546

12000

96%

L

Harbortouch on Bar Rescue, Gino’s East Pizzeria, Rivals Sports Bar, Lobo de Mar, Bradley’s Pit BBQ

 

97

 

98

 

97

 

99

 

95

97.2%

NC

 

10

Yoozy Carrollton, Texas

Tina Amin-Grant
469-737-8583
More info

Visit Website

2004

$3 million - $5 million

51 - 100

5,000+

95%

L

Confidential

 

97

 

98

 

96

 

95

 

98

96.8%

NC

 
Competitive Rates Reduce Processing Fees

When selecting a credit card processing company it is important to take into consideration the rates they charge for each transaction, for the sum of transactions, and for the quantity of transactions. During our analysis of credit card processors we spend time comparing how each payment processor calculates the cost of accepting payments for their merchants and how those costs fare between different competing processors.

11

Encore Payment Systems Addison, Texas

John Crouch
800-641-0426
More info

Visit Website

2004

$3 million - $5 million

Above 100

300,000+

97%

L

Transmission Unlimited, Southern Tier hardwoords, BKPK Account

 

97

 

95

 

97

 

96

 

98

96.6%

NC

 

12

BankCard USA Agoura Hills, California

Shawn Skelton
800-735-4171
More info

Visit Website

1998

$1 million - $3 million

332

20,000+

96%

L

Coastal Dermatology, Supertone Hearing, Lunaria Music

 

96

 

97

 

95

 

98

 

95

96.2%
Decreased -5

-5

 

13

TransFirst Aurora, Colorado

John Shlonsky
631-840-6970
More info

Visit Website

2003

$1 million - $3 million

48

100+

92%

L

Superb Customer, Vision Care Provider, Independent Bank

 

95

 

97

 

96

 

97

 

95

96%

NC

 

14

National Processing Orem, Utah

Wayne Hamilton
800-720-3323
More info

Visit Website

2007

$1 million - $3 million

11 - 25

1,000+

99%

H

Zurchers Party & Wedding Store, Arctic Circle, Crime Stoppers USA, Nelson, Watson & Associates, LLC

 

94

 

97

 

96

 

94

 

97

95.6%

NC

 

15

Intrix Technology, Inc. Roseville, California

Jeff Connors
917-864-0941
More info

Visit Website

1986

$250,000 - $1 million

232

2,000+

98%

L

The Dude Ranchers’ Association, Jonesboro, Cedia, NMDA, paii

 

97

 

97

 

95

 

96

 

91

95.2%

NC

 

16

CPN USA Phoenix, Arizona

Merchant Services
800-750-7544
More info

Visit Website

2006

$5 million - $10 million

Above 100

10,000 +

90%

H

trans-west, hogue, award-studio, sacks-tierney

 

93

 

95

 

96

 

94

 

96

94.8%
Increased +18

+18

 

17

Meritus Payment Solutions Santa Ana, California

Warren DiChiara
877-895-4462
More info

Visit Website

2008

$3 million - $5 million

Above 100

10,000

92%

H

Confidential

 

93

 

94

 

94

 

95

 

95

94.2%
Increased +26

+26

 

18

Acculynk Atlanta, Georgia

John Kerley
832-214-0165
More info

Visit Website

2008

$1 million - $3 million

343

100+

90%

L

Confidential

 

95

 

95

 

93

 

93

 

93

93.8%
Increased +5

+5

 

19

DIGITAL CHECK CORP Rancho Cucamonga, Illinois

Thomas P. Anderson Jr.
847-446-2285
More info

Visit Website

1996

$3 million - $5 million

37

54

91%

L

Spring Bank , United Southern Bank , Fifth Third Bank

 

92

 

95

 

92

 

95

 

93

93.4%
Decreased -2

-2

 

20

Ace Software Solutions Iselin, New Jersey

Chari, Sunil
732-603-4997
More info

Visit Website

1992

$1 million - $3 million

51 - 100

76

91%

H

Bank of Tokyo-Mitsubishi UFJ, Capgemini, Schroders, ADCB, Standard Chartered

 

92

 

93

 

94

 

94

 

92

93%
Increased +24

+24

 
Reliability Less Stress and Hassle

It is crucial for a payment processor to offer a reliable processing service. With merchants having a wide range of operating hours and different business strategies, it is important for each competing processor to ensure they are able to accept payments at all hours of the day during every day of the week. Even ten minutes of downtime can cause major headaches for participating merchants and retailers and additional stress.

21

COCARD Decatur, Georgia

Brattland
952-345-6560
More info

Visit Website

1998

$1 million - $3 million

39

1000+

97%

L

Confidential

 

92

 

92

 

91

 

94

 

94

92.6%
Increased +14

+14

 

22

PayLeap Warsaw, Indiana

Scott Miller
574-306-0241
More info

Visit Website

2008

$250,000 - $1 million

28

87

92%

L

Confidential

 

94

 

94

 

93

 

91

 

89

92.2%
Increased +18

+18

 

23

Govolution Arlington, Virginia

Gregory Gentile
703-894-5000
More info

Visit Website

2000

$3 million - $5 million

42

42+

93%

L

Confidential

 

90

 

91

 

93

 

93

 

92

91.8%
Increased +27

+27

 

24

eData Financial Group Boca Raton, Florida

Adam Elisha
888-864-5645
More info

Visit Website

2011

$250,000 - $1 million

123

1,000+

91%

L

Confidential

 

92

 

92

 

92

 

90

 

92

91.6%
Increased +2

+2

 

25

Heartland Payment Systems, Inc. Princeton, New Jersey

David Munson
972-295-8652
More info

Visit Website

2000

$5 million - $10 million

Above 100

10.000+

94%

L

Main Street Bistro, Carolina Conceptions, Dominican College, MPC, CSRA

 

91

 

91

 

93

 

90

 

91

91.2%
Decreased -3

-3

 

26

Total Merchant Services Woodland Hills, California

Derek Moore
888-848-6825
More info

Visit Website

1996

$1 million - $3 million

Above 100

200+

97%

H

Confidential

 

92

 

90

 

91

 

89

 

92

90.8%
Increased +5

+5

 

27

360 Payment Solutions, Inc. San Jose, California

Lisa Coyle
408-295-8360
More info

Visit Website

2013

$250,000 - $1 million

11 - 25

50+

96%

H

Dynamic Sport & Social Club, 55 South Restaurant, Sturken Automotive

 

91

 

90

 

89

 

92

 

90

90.4%
Increased +1

+1

 

28

Credit Card Payment Systems Evans, Georgia

Mr. Mark Hofilena
706-799-2913
More info

Visit Website

1969

$3 million - $5 million

148

264

85%

M

Confidential

 

92

 

92

 

90

 

90

 

87

90.2%
Decreased -4

-4

 

29

MersaTech Centennial, Colorado

Mike Langfield
303-268-5505
More info

Visit Website

2011

$1 million - $3 million

27

88

92%

L

Confidential

 

91

 

89

 

88

 

91

 

90

89.8%
Decreased -10

-10

 

30

Swift Pay Systems Chicago, Illinois

Michael Kehoe
800-649-2260
More info

Visit Website

2006

$1 million - $3 million

26 - 50

60+

97%

H

Confidential

 

90

 

91

 

87

 

91

 

89

89.6%
Decreased -10

-10

 
Efficiency Quick Payment Processing

Efficiency is measured based on the internal processes and strategies used by each payment processor to ensure the process for accepting a payment is quick and effective. It is important for the processor to also have internal processes for fraud detection while also ensuring the accuracy of payment information without slowing down or placing additional stress on the incoming and outgoing processes.

31

CreditCardProcessing.com Westlake Village, California

Ryan Mirpanah
866-844-1790
More info

Visit Website

1998

Above $10 million

400+

150,000+

98%

L

Moe's Southwest Grill, Habitat for Hummanity, Baskin Robbins, Liberty Tax Service, Holiday Inn

 

89

 

88

 

90

 

91

 

89

89.4%
Decreased -29

-29

 

32

Merchant Cash Group Gainesville, Florida

Angela Sanderson
866-610-6569
More info

Visit Website

2008

$1 million - $3 million

1 - 10

73

90%

H

Confidential

 

89

 

89

 

90

 

88

 

89

89%
Increased +16

+16

 

33

Electronic Payment Systems Englewood, Colorado

Chad Hunter
800-863-5995
More info

Visit Website

1994

$5 million - $10 million

51 - 100

80,000

90%

H

Aamco, AA Performance Muffler and Brake, Pink Ribbon Riders, Paris Limousine Service, Anthonys Pizza and Pasta

 

88

 

90

 

88

 

88

 

89

88.6%
Increased +8

+8

 

34

On Deck Sherman Oaks, California

Brad Kime
888-269-4246
More info

Visit Website

2006

$5 million - $10 million

51 - 100

35+

90%

H

drinknomsi.com, getthatwholesale.com, iHealthspot, Inc., Jazz at Jacks

 

88

 

89

 

90

 

87

 

87

88.2%
Decreased -9

-9

 

35

CyberSource Corp. San Francisco, California

Michael Walsh
650-432-8327
More info

Visit Website

1997

$3 million - $5 million

126

300+

93%

L

Confidential

 

87

 

88

 

88

 

89

 

87

87.8%
Increased +11

+11

 

36

Leap Payments Agoura Hills, California

Will Detterman
800-993-6300
More info

Visit Website

2007

$1 million - $3 million

26 - 50

2,500+

99%

L

Best Western Hotels, H&R Block, Buy Direct, Yellow Cab, PetSmart

 

87

 

88

 

87

 

86

 

89

87.4%

NC

 

37

Network Merchants, Inc (NMI) Roselle, Illinois

Ted Cucci
847-952-4850
More info

Visit Website

2011

$1 million - $3 million

176

200+

91%

L

DUHAMEL GROUP - LLC, PREMIER PAYMENT SYSTEMS, MERCHANT TALK

 

88

 

88

 

87

 

85

 

87

87%
Decreased -10

-10

 

38

Alacriti South Plainfield, New Jersey

Manish Gurukula
908-791-2916
More info

Visit Website

2003

$3 million - $5 million

1 - 10

25

87%

L

Confidential

 

85

 

86

 

87

 

88

 

88

86.8%
Decreased -6

-6

 

39

Crescent Processing Company Dallas, Texas

Curtis Conrad
800-618-4428
More info

Visit Website

2005

$1 million - $3 million

Above 100

46+

91%

H

Dodie's Cajun Diner, Surround Sound Audio and Video

 

87

 

87

 

88

 

86

 

85

86.6%
Decreased -9

-9

 

40

Certified Payment Processing Carrollton, Texas

Keith Miller
800-567-8196
More info

Visit Website

1991

$5 million - $10 million

Above 100

40,000+

90%

L

Confidential

 

87

 

85

 

85

 

88

 

87

86.4%
Decreased -2

-2

 
Variance

It is also important for the credit card processor to offer a variety of solutions and packages for merchants of all shapes and sizes. During our analysis of competing payment processors we spend time understanding the different services offered by each processor and how they affect a merchant’s ability to accept payments. We also analyze whether the processor offers different ways to accept credit card payments.

41

BluePay Processing Naperville, Illinois

Brad Bialas
630-300-2391
More info

Visit Website

2002

Under $250,000

11 - 25

54

88%

L

DICE Corporation, Arizona Dental Association, Magento Enterprise, Clip, Monchilla

 

87

 

88

 

86

 

85

 

85

86.2%
Decreased -20

-20

 

42

Merchant Express Hauppauge, New York

Merchants Sales
631-840-6900
More info

Visit Website

1998

$5 million - $10 million

54

200+

90%

L

Confidential

 

86

 

85

 

85

 

86

 

87

85.8%
Decreased -26

-26

 

43

Fattmerchant Kissimmee, Florida

Suneera Madhani
855-550-3288 x 203
More info

Visit Website

2014

$250,000 - $1 million

11 - 25

100+

99%

H

Available Upon Request

 

84

 

87

 

86

 

87

 

84

85.6%
Decreased -4

-4

 

44

Ace Merchant Processing Stafford, Texas

Manan Mehta
877-680-4223
More info

Visit Website

2006

$3 million - $5 million

51 - 100

10000+

95%

H

Holiday Inn's, Mercedes Benz Dealerships, Staybridge Inn's, Maruchi Sushi, Quality Tiles

 

87

 

84

 

84

 

85

 

87

85.4%
Decreased -7

-7

 

45

National Bankcard Inc Melville, New York

John Monge
800-991-2291
More info

Visit Website

2001

$5 million - $10 million

Above 100

100,000+

97%

L

Comfort Inn & Suites, Kentucky Fried Chicken, Taco Bell, Subway, Economy Inn

 

85

 

84

 

84

 

86

 

86

85%

NC

 

46

EPX Wilmington, Delaware

Rick Dressel
866- 581-5239.
More info

Visit Website

1996

$250,000 - $1 million

51 - 100

34+

95%

H

Confidential

 

85

 

86

 

84

 

85

 

84

84.8%
Decreased -13

-13

 

47

Total Apps Aliso Viejo, California

Rebekah Sidner
949-274-8975
More info

Visit Website

1992

$3 million - $5 million

25

850+

97%

L

Specializing in: E-Commerce, Retail, Restaurants, Small Business, Enterprise, Government, Non-Profit, Healthcare. Also specialists in high risk merchant industries including Ecig, Vape, MLM, and Direct Selling.

 

96

 

99

 

98

 

100

 

97

98%

NC

 

48

Priority Payment Systems Alpharetta, Georgia

John V. Priore
404-952-2110
More info

Visit Website

2005

$1 million - $3 million

54

100+

90%

L

Confidential

 

85

 

86

 

85

 

83

 

83

84.4%
Decreased -6

-6

 

49

Regal Payment Systems Columbia, Tennessee

Karen Whiteley
866-939-9398
More info

Visit Website

2007

$1 million - $3 million

51 - 100

5,000+

95%

H

Emporos

 

83

 

85

 

86

 

84

 

83

84.2%

NC

 

50

BC Funding Syosset, New York

Mark Quinones
877-871-6097
More info

Visit Website

2008

Under $250,000

37

50+

91%

L

Confidential

 

84

 

83

 

84

 

84

 

85

84%
Decreased -32

-32

 
Customer Support Fast and Accurate Responses

Customer support is an important element of our analysis to ensure the processors we recommend are providing their merchants with premium support at all hours of the day. As many merchants have their own set of hours on a daily basis it becomes important for the payment processor to be available to help them regardless of what time of the day or what day of the week they are looking for a solution on.

Best Credit Card Processing Companies and Services in our list have been rated 5 out of 5 by more than 380 reviewers and customers. To learn more, view the client testimonials in our vendor profiles.

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