Last updated: January 1, 2015

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Best

Top 50 Credit Card Processing Companies

Best Credit Card Processing Companies and Services - January 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 More info

Camarillo, California
Ben Simmons
800-260-2904

Visit Website

2000

$5 million - $10 million

51 - 100

100,000+

98%

H

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

ISO Agent Programs, Retail Processing, Online Credit Card Processing

 

100

 

100

 

100

 

100

 

100

100%

NC

 

2

BankCard USA More info

Agoura Hills, California
Shawn Skelton
800-735-4171

Visit Website

1998

$1 million - $3 million

26 - 50

20,000+

96%

H

Coastal Dermatology, Supertone Hearing, Lunaria Music

Payment Gateway

 

98

 

99

 

100

 

98

 

99

98.8%

NC

 

3

Merchant Warehouse More info

Boston, Massachusetts
Andrew Blair
800-749-2173

Visit Website

1998

$5 million - $10 million

Above 100

100,000+

98%

H

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

Retail Processing, Online Credit Card Processing

 

99

 

98

 

98

 

99

 

99

98.6%

NC

 
Strong Performers

4

Electronic Transfer More info

Spokane, Washington
Robert Donegan
800-757-5453

Visit Website

1989

$1 million - $3 million

1 - 10

10000+

98%

H

aVegasEdge.com, D.K. Rolling Outfitters Inc., flexawaysystem.com, Time4Learning.com

Online Credit Card Processing, Mobile Processing

 

99

 

98

 

99

 

98

 

99

98.6%

NC

 

5

Credit Card Processing Specialists More info

Grandville, Michigan
Mike Konig
877-554-5853

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

Point of Sale Systems, Payment Gateway

 

97

 

99

 

99

 

98

 

99

98.4%

NC

 

6

Transparent Merchant Services More info

Scottsdale, Arizona
Ryan Yarter
855-418-7987

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

 

96

 

98

 

99

 

98

 

99

98%

NC

 
Contenders

7

Leap Payments More info

Agoura Hills, California
Will Detterman
800-993-6300

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

 

96

 

99

 

98

 

99

 

97

97.8%

NC

 

8

Merchants Bancard, Inc. (MBN) More info

Valencia, California
Jerry Cain
877-771-4629

Visit Website

1988

$3 million - $5 million

Above 100

10,500+

96%

H

Confidential

ISO Agent Programs, High Risk Processing, Gift & Loyalty Cards

 

96

 

98

 

96

 

98

 

98

97.2%

NC

 

9

Harbortouch More info

Allentown, Pennsylvania
Brian Jones
800-201-0461

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

 

95

 

98

 

97

 

99

 

98

97.4%

NC

 

10

Yoozy More info

Carrollton, Texas
Tina Amin-Grant
469-737-8583

Visit Website

2004

$3 million - $5 million

51 - 100

5,000+

95%

H

Confidential

Point of Sale Systems, Mobile Processing

 

97

 

95

 

97

 

96

 

98

96.6%

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 More info

Addison, Texas
John Crouch
800-641-0426

Visit Website

2004

$3 million - $5 million

Above 100

300,000+

97%

H

Transmission Unlimited, Southern Tier hardwoords, BKPK Account

Gift & Loyalty Cards, Mobile Processing

 

96

 

97

 

96

 

97

 

96

96.4%

NC

 

12

Regal Payment Systems More info

Columbia, Tennessee
Karen Whiteley
866-939-9398

Visit Website

2007

$1 million - $3 million

51 - 100

5,000+

95%

H

Emporos

Merchant Services, Point of Sale Systems

 

95

 

98

 

96

 

95

 

96

96%

NC

 

13

TransFirst More info

Aurora, Colorado
John Shlonsky
(631) 840-6970

Visit Website

2003

$1 million - $3 million

51 - 100

100+

92%

H

Superb Customer, Vision Care Provider, Independent Bank

PCI Compliance, Mobile Processing

 

97

 

95

 

94

 

95

 

96

95.4%

NC

 

14

Priority Payment Systems More info

Alpharetta, Georgia
John V. Priore
(404) 952-2110

Visit Website

2005

$1 million - $3 million

51 - 100

100+

90%

H

Confidential

Online Credit Card Processing, Check Processing

 

94

 

93

 

94

 

96

 

96

94.6%

NC

 

15

National Processing More info

Orem, Utah
Wayne Hamilton
800-720-3323

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

 

92

 

95

 

93

 

94

 

95

93.8%

NC

 

16

Intrix Technology, Inc. More info

Roseville, California
Jeff Connors
(917) 864-0941

Visit Website

1986

$250,000 - $1 million

11 - 25

2,000+

98%

H

Confidential

Merchant Processing, Payment Gateway

 

94

 

92

 

94

 

93

 

92

93%

NC

 

17

BluePay Processing More info

Naperville, Illinois
Brad Bialas
(630) 300-2391

Visit Website

2002

Under $250,000

11 - 25

54

88%

H

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

Retail Processing, Online Credit Card Processing, Check Processing

 

94

 

93

 

92

 

93

 

91

92.6%

NC

 

18

Merchant Solutions More info

Torrance, California
David MacMillan
800-536-1498

Visit Website

2009

$1 million - $3 million

1 - 10

100+

93%

H

Confidential

Point of Sale Systems, Gift & Loyalty Cards

 

90

 

91

 

93

 

92

 

93

91.8%

NC

 

19

Certified Payment Processing More info

Carrollton, Texas
Tony Norrie
888-415-0004

Visit Website

1991

$5 million - $10 million

Above 100

40,000+

90%

H

Confidential

Gift & Loyalty Cards, Mobile Processing

 

90

 

92

 

91

 

91

 

93

91.4%

NC

 

20

Network Merchants, Inc (NMI) More info

Roselle, Illinois
Ted Cucci
(847) 952-4850

Visit Website

2011

$1 million - $3 million

1 - 10

200+

91%

H

Confidential

Fraud Detection , Payment Gateway, Check Processing

 

89

 

91

 

91

 

90

 

91

90.4%

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. More info

San Francisco, California
Michael Walsh
(650) 432-8327

Visit Website

1997

$3 million - $5 million

Above 100

300+

93%

H

Confidential

Payment Platforms, Check Processing

 

91

 

89

 

89

 

91

 

88

89.6%

NC

 

22

Govolution More info

Arlington, Virginia
Gregory Gentile
703-894-5000

Visit Website

2000

$3 million - $5 million

51 - 100

42+

93%

H

Confidential

Payment Platforms, Electronic Invoice Presentment & Payments (EIPP)

 

90

 

87

 

89

 

89

 

90

89%

NC

 

23

EPX More info

Wilmington, Delaware
Rick Dressel
866- 581-5239.

Visit Website

1996

$250,000 - $1 million

51 - 100

34+

95%

H

Confidential

ISO Agent Programs, Payment Platforms, PCI Compliance

 

88

 

90

 

89

 

89

 

87

88.6%

NC

 

24

Electronic Payment Systems More info

Englewood, Colorado
Chad Hunter
800-863-5995

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

 

86

 

89

 

88

 

89

 

85

87.4%

NC

 

25

Crescent Processing Company More info

Dallas, Texas
Curtis Conrad
800-618-4428

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

 

85

 

88

 

88

 

88

 

84

86.6%

NC

 

26

DIGITAL CHECK CORP More info

Rancho Cucamonga, Illinois
Thomas P. Anderson Jr.
847-446-2285

Visit Website

1996

$3 million - $5 million

26 - 50

54

91%

H

Confidential

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

 

86

 

86

 

87

 

84

 

87

86%

NC

 

27

BC Funding More info

Syosset, New York
Mark Quinones
877-871-6097

Visit Website

2008

Under $250,000

1 - 10

50+

91%

H

Confidential

Merchant Cash Advance

 

87

 

85

 

86

 

85

 

85

85.6%

NC

 

28

Merchant Express More info

Hauppauge, New York
Merchants Sales
631-840-6900

Visit Website

1998

$5 million - $10 million

Above 100

200+

90%

H

Confidential

Retail Processing, Online Credit Card Processing

 

85

 

83

 

85

 

85

 

86

84.8%

NC

 

29

MersaTech More info

Centennial, Colorado
Mike Langfield
303-268-5505

Visit Website

2011

$1 million - $3 million

11 - 25

88

92%

H

Confidential

Point of Sale Systems, Check Processing

 

85

 

86

 

84

 

83

 

84

84.4%

NC

 

30

Merchant Cash Group More info

Gainesville, Florida
Angela Sanderson
866-610-6569

Visit Website

2008

$1 million - $3 million

1 - 10

73

90%

H

Confidential

Merchant Cash Advance

 

84

 

84

 

85

 

83

 

83

83.8%

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 More info

Sherman Oaks, California
Brad Kime
888-269-4246

Visit Website

2006

$5 million - $10 million

51 - 100

35+

90%

H

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

Merchant Cash Advance

 

84

 

83

 

83

 

82

 

83

83%

NC

 

32

Ace Software Solutions More info

Iselin, New Jersey
Chari, Sunil
732-603-4997

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

 

82

 

84

 

82

 

81

 

83

82.4%

NC

 

33

PayLeap More info

Warsaw, Indiana
Scott Miller
(574) 306-0241

Visit Website

2008

$250,000 - $1 million

11 - 25

87

92%

H

Confidential

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

 

81

 

80

 

83

 

82

 

82

81.6%

NC

 

34

Maverick BankCard, Inc. More info

Agoura Hills, California
Alan Griefer
800-464-9777

Visit Website

2000

$1 million - $3 million

11 - 25

1000

91%

H

Confidential

Risk Management / Compliance, Payment Gateway, Multi-Currency Processing, High Risk Processing, Online Credit Card Processing

 

83

 

77

 

81

 

82

 

83

81.2%

NC

 

35

Rev Worldwide More info

Austin, Texas
Roy Sosa
55 (31) 2103-7821

Visit Website

2009

$1 million - $3 million

11 - 25

32+

89%

H

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

Risk Management / Compliance, Mobile Processing

 

79

 

80

 

80

 

82

 

81

80.4%

NC

 

36

eData Financial Group More info

Boca Raton, Florida
Adam Elisha
888-864-5645

Visit Website

2011

$250,000 - $1 million

1 - 10

1,000+

91%

H

Confidential

Acquiring Banks, High Risk Processing

 

78

 

81

 

79

 

79

 

81

79.6%

NC

 

37

Swift Pay Systems More info

Chicago, Illinois
Michael Kehoe
800-649-2260

Visit Website

2006

$1 million - $3 million

26 - 50

60+

97%

H

Confidential

ATM Machines, Merchant Cash Advance

 

78

 

80

 

77

 

79

 

80

78.8%

NC

 

38

Total Merchant Services More info

Woodland Hills, California
Derek Moore
888-848-6825

Visit Website

1996

$1 million - $3 million

Above 100

200+

97%

H

Confidential

Payment Gateway, Retail Processing

 

78

 

78

 

78

 

77

 

79

78%

NC

 

39

Fattmerchant More info

Kissimmee, Florida
Suneera Madhani
855-550-3288 x 203

Visit Website

2014

$250,000 - $1 million

11 - 25

100+

99%

H

Available Upon Request

Merchant Services, Payment Gateway, Gift & Loyalty Cards

 

77

 

77

 

77

 

78

 

78

77.4%

NC

 

40

CardConnect More info

Chicago, Illinois
Michael Mertz
877-894-2299

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

 

78

 

77

 

76

 

78

 

76

77%

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 More info

Stafford, Texas
Manan Mehta
877-680-4223

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

 

75

 

76

 

78

 

76

 

77

76.4%

NC

 

42

Meritus Payment Solutions More info

Santa Ana, California
Warren DiChiara
877-895-4462

Visit Website

2008

$3 million - $5 million

Above 100

10,000

92%

H

Confidential

Payment Gateway, Online Credit Card Processing

 

74

 

76

 

76

 

76

 

77

75.8%

NC

 

43

Heartland Payment Systems, Inc. More info

Princeton, New Jersey
David Munson
(972) 295-8652

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

 

73

 

75

 

75

 

77

 

76

75.2%

NC

 

44

COCARD More info

Decatur, Georgia
Brattland
(952) 345-6560

Visit Website

1998

$1 million - $3 million

26 - 50

1000+

97%

H

Confidential

Merchant Services, Gift & Loyalty Cards

 

76

 

73

 

76

 

75

 

74

74.8%

NC

 

45

CPN USA More info

Phoenix, Arizona
Merchant Services
800-750-7544

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

 

74

 

72

 

75

 

74

 

75

74%

NC

 

46

Alacriti More info

South Plainfield, New Jersey
Manish Gurukula
908-791-2916

Visit Website

2003

$3 million - $5 million

1 - 10

25

87%

H

Confidential

Enterprise Payment Processing Consulting, Mobile Processing

 

72

 

74

 

75

 

72

 

75

73.6%

NC

 

47

National Bankcard Inc More info

Melville, New York
John Monge
800-991-2291

Visit Website

2001

$5 million - $10 million

Above 100

100,000+

97%

H

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

Retail Processing, Online Credit Card Processing

 

73

 

72

 

72

 

73

 

73

72.6%

NC

 

48

Acculynk More info

Atlanta,, Georgia
John Kerley
(832) 214-0165

Visit Website

2008

$1 million - $3 million

26 - 50

100+

90%

H

Confidential

Online Bank Deposit, Retail Processing

 

72

 

71

 

73

 

73

 

71

72%

NC

 

49

360 Payment Solutions, Inc. More info

San Jose, California
Lisa Coyle
408-295-8360

Visit Website

2013

$250,000 - $1 million

11 - 25

50+

96%

H

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

Credit Card Processing

 

71

 

70

 

73

 

73

 

70

71.4%

NC

 

50

ACXIOM More info

Little Rock, Arizona
Scott Smith
4026366179

Visit Website

2001

$3 million - $5 million

51 - 100

150+

95%

H

Confidential

Online Credit Card Processing

 

70

 

72

 

72

 

69

 

72

71%

NC

 
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.

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