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

Flagship Merchant Services Walnut Creek, California

Mark D Ambrosio
866-829-0944
More info

Visit Website

2001

$3 million - $5 million

Above 100

30,000+

90%

L

Jack Mayfield, David Jackson, Mary Simmons, Marissa Paccilo

Online Credit Card Processing, Retail Processing, Gift & Loyalty Cards

 

100

 

100

 

100

 

100

 

100

100%

NC

 

2

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

Payment Gateway

 

100

 

99

 

100

 

100

 

100

99.8%

NC

 

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

Online Credit Card Processing, Retail Processing

 

100

 

99

 

100

 

100

 

99

99.6%

NC

 
Strong Performers

4

Intuit Mountain View, California

Brad Smith
650-944-6000
More info

Visit Website

1983

$5 million - $10 million

Above 100

1000+

90%

H

Confidential

Payment Platforms, Online Credit Card Processing, Mobile Processing

 

99

 

100

 

99

 

100

 

98

99.2%

NC

 

5

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

Payment Gateway, Point of Sale Systems

 

100

 

99

 

98

 

99

 

98

98.8%

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

Tablet PoS

 

99

 

98

 

97

 

100

 

98

98.4%

NC

 
Contenders

7

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%

H

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

Online Credit Card Processing, Check Processing

 

96

 

97

 

100

 

98

 

100

98.2%

NC

 

8

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.

Merchant Cash Advance, Online Credit Card Processing

 

96

 

99

 

98

 

99

 

97

97.8%

NC

 

9

Harbortouch Allentown, Pennsylvania

Brian Jones
800-201-0461
More info

Visit Website

1999

$5 million - $10 million

Above 100

120000

96%

L

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

Check Processing

 

96

 

98

 

97

 

100

 

96

97.4%

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%

H

Confidential

Point of Sale Systems, Mobile Processing

 

97

 

98

 

97

 

98

 

96

97.2%

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

Gift & Loyalty Cards, Mobile Processing

 

96

 

99

 

97

 

95

 

97

96.8%

NC

 

12

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

Merchant Services, Point of Sale Systems

 

99

 

96

 

95

 

96

 

97

96.6%

NC

 

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

PCI Compliance, Mobile Processing

 

96

 

97

 

96

 

97

 

95

96.2%

NC

 

14

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

Online Credit Card Processing, Check Processing

 

95

 

97

 

96

 

98

 

94

96%

NC

 

15

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

Automated Clearing House (ACH) Software, Retail Processing, Check Processing

 

96

 

97

 

97

 

94

 

95

95.8%

NC

 

16

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

Merchant Processing, Payment Gateway

 

97

 

95

 

95

 

96

 

95

95.6%

NC

 

17

BluePay Processing Naperville, Illinois

Brad Bialas
(630) 300-2391
More info

Visit Website

2002

Under $250,000

11 - 25

54

88%

H

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

Online Credit Card Processing, Retail Processing, Check Processing

 

94

 

96

 

96

 

97

 

94

95.4%

NC

 

18

Merchant Solutions Torrance, California

David MacMillan
800-536-1498
More info

Visit Website

2009

$1 million - $3 million

1 - 10

100+

93%

H

Confidential

Point of Sale Systems, Gift & Loyalty Cards

 

94

 

95

 

95

 

95

 

97

95.2%

NC

 

19

Certified Payment Processing Carrollton, Texas

Tony Norrie
800-567-8196
More info

Visit Website

1991

$5 million - $10 million

Above 100

40,000+

90%

L

Confidential

Tablet PoS, Merchant Services, Point of Sale Systems, PCI Compliance

 

96

 

96

 

93

 

96

 

93

94.8%

NC

 

20

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

Payment Gateway, Fraud Detection , Check Processing

 

95

 

96

 

93

 

94

 

95

94.6%

NC

 
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

CyberSource Corp. San Francisco, California

Michael Walsh
650-432-8327
More info

Visit Website

1997

$3 million - $5 million

126

300+

93%

L

Confidential

Payment Platforms, Check Processing

 

92

 

96

 

95

 

96

 

93

94.4%

NC

 

22

Govolution Arlington, Virginia

Gregory Gentile
703-894-5000
More info

Visit Website

2000

$3 million - $5 million

51 - 100

42+

93%

H

Confidential

Payment Platforms, Electronic Invoice Presentment & Payments (EIPP)

 

93

 

96

 

95

 

95

 

92

94.2%

NC

 

23

EPX Wilmington, Delaware

Rick Dressel
866- 581-5239.
More info

Visit Website

1996

$250,000 - $1 million

51 - 100

34+

95%

H

Confidential

ISO Agent Programs, PCI Compliance, Payment Platforms

 

95

 

92

 

93

 

95

 

94

93.8%

NC

 

24

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

Online Credit Card Processing, Check Processing

 

95

 

92

 

95

 

93

 

93

93.6%

NC

 

25

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

Gift & Loyalty Cards, Check Processing

 

93

 

95

 

92

 

92

 

94

93.2%

NC

 

26

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

Risk Management / Compliance, BSA Compliance / AML Compliance, Banking Automation

 

92

 

92

 

94

 

94

 

93

93%

NC

 

27

BC Funding Syosset, New York

Mark Quinones
877-871-6097
More info

Visit Website

2008

Under $250,000

37

50+

91%

L

Confidential

Merchant Cash Advance

 

94

 

93

 

91

 

93

 

93

92.8%

NC

 

28

Merchant Express Hauppauge, New York

Merchants Sales
631-840-6900
More info

Visit Website

1998

$5 million - $10 million

54

200+

90%

L

Confidential

Retail Processing, Online Credit Card Processing

 

94

 

92

 

92

 

92

 

92

92.4%

NC

 

29

MersaTech Centennial, Colorado

Mike Langfield
303-268-5505
More info

Visit Website

2011

$1 million - $3 million

27

88

92%

L

Confidential

Point of Sale Systems, Check Processing

 

93

 

90

 

92

 

92

 

93

92%

NC

 

30

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

Merchant Cash Advance

 

92

 

91

 

92

 

90

 

93

91.6%

NC

 
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

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

Merchant Cash Advance

 

88

 

93

 

93

 

92

 

91

91.4%

NC

 

32

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

Risk Management / Compliance

 

92

 

91

 

93

 

90

 

90

91.2%

NC

 

33

PayLeap Warsaw, Indiana

Scott Miller
574-306-0241
More info

Visit Website

2008

$250,000 - $1 million

28

87

92%

L

Confidential

Payment Gateway, Point of Sale Systems, Online Credit Card Processing

 

90

 

92

 

90

 

92

 

91

91%

NC

 

34

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

High Risk Processing, Online Credit Card Processing, Merchant Cash Advance

 

90

 

92

 

91

 

90

 

91

90.8%

NC

 

35

Rev Worldwide Austin, Texas

Roy Sosa
55 (31) 2103-7821
More info

Visit Website

2009

$1 million - $3 million

11 - 25

32+

89%

L

Pronto Insurance, RêvCOIN, The Union Plus, The Mango, Bonsucesso Meo

Risk Management / Compliance, Mobile Processing

 

90

 

91

 

91

 

90

 

91

90.6%

NC

 

36

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

Acquiring Banks, High Risk Processing

 

92

 

90

 

88

 

92

 

89

90.2%

NC

 

37

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

ATM Machines, Merchant Cash Advance

 

91

 

91

 

89

 

90

 

89

90%

NC

 

38

Leap Payments Agoura Hills, California

Will Detterman
800-993-6300
More info

Visit Website

2007

$1 million - $3 million

26 - 50

2,500+

99%

H

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

Retail Processing, Online Credit Card Processing

 

89

 

89

 

91

 

88

 

91

89.6%

NC

 

39

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

Merchant Services, Payment Gateway, Gift & Loyalty Cards

 

90

 

89

 

91

 

87

 

90

89.4%

NC

 

40

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

Online Credit Card Processing

 

91

 

88

 

91

 

88

 

88

89.2%

NC

 
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

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

Online Credit Card Processing, Mobile Processing

 

87

 

88

 

90

 

90

 

90

89%

NC

 

42

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

Payment Gateway, Online Credit Card Processing

 

89

 

89

 

89

 

90

 

87

88.8%

NC

 

43

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

Payment Gateway, Retail Processing

 

88

 

89

 

89

 

87

 

89

88.4%

NC

 

44

COCARD Decatur, Georgia

Brattland
952-345-6560
More info

Visit Website

1998

$1 million - $3 million

39

1000+

97%

L

Confidential

Merchant Services, Gift & Loyalty Cards

 

89

 

88

 

88

 

86

 

89

88%

NC

 

45

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

Merchant Cash Advance, Retail Processing

 

89

 

89

 

86

 

89

 

86

87.8%

NC

 

46

Alacriti South Plainfield, New Jersey

Manish Gurukula
908-791-2916
More info

Visit Website

2003

$3 million - $5 million

1 - 10

25

87%

H

Confidential

Enterprise Payment Processing Consulting, Mobile Processing

 

89

 

87

 

88

 

87

 

86

87.4%

NC