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Web Services > Merchant Acct / CC Processing - Low Cost

Name	Description	Pricing	Features	Top Pros	Top Cons	Best For
Merchant e-Solutions Rating: 90%	Merchant e-Solutions helps merchants accept payments anywhere and easily manage all on one platform. It provides a globa read more	an annual PCI Compliance fee of $34.95, a $20 monthly minimum fee, a chargeback fee of $25, a qualified rate of 2.69% pl read more	online, mobile and in-person payments solutions support for most major payment types accept payments in more than 150 read more	good developer tools few public complaints good customer service	no pricing disclosed online early termination fee (of $300)	solution for most business needs, including global payments and eCommerce
Clover Rating: 95%	Clover is an integrated POS software system that is designed to offer business support to small and medium restaurants. read more	quote-based	single-source with one contract, multiple currency acceptance and local payments, quick, easy and secure integration, security and fraud management, etc read more	easy to install and use, add products and verify transactions remotely	no search for last 4 digits	small and large-sized businesses
BluePay Rating: 90%	BluePay is a handy suite of credit card processing services that cater to all industries and businesses, whether you are read more	quote-based	ACH check transactions, debit card support, gift card management, online payments, POS transactions, receipt printi read more	good developer tools, good customer support	early termination fee, expensive for low-volume merchants, not good for high-risk merchants	large enterprise corporations, small businesses, retail stores taking online payment, freelance workers
BillingTree Rating: 95%	BillingTree is a merchant account provider that specifically focuses on invoice-based industries like healthcare, lendin read more	quote-based	payment gateways, virtual terminals, web portals, phone & IVR payments, debt negotiation tools, online billing, te read more	good customer service, great product offerings, competitive rates	there are not so many reviews available online	focuses on invoice-based industries like healthcare, lending, property management, and education
Durango Rating: 98%	Founded in 1999, Durango Merchant Services, LLC (durangomerchantservices.com) is a merchant account provider for both U. read more	quote-based	domestic and international merchant accounts, data security and fraud detection, payer authentication enables merchants to invoice customers via email, etc read more	offers offshore accounts for international merchants, fair pricing and contract terms, offers EMV-compliant mobile car read more	early termination fee in some cases	traditional low-risk merchants, high-risk merchant community, as well as international merchants
Dharma Rating: 98%	Dharma Merchant Services is a merchant account provider originally based in San Francisco, California but now headquarte read more	$20.00 monthly fee + additional fees that vary depending on the industries	POS systems, merchant accounts, B2B, Processing, payment gateway, credit card terminals, etc	interchange-plus pricing offered exclusively, no annual or monthly minimum fee, month-to-month billing with no early t read more	not recommended for businesses processing less than $10,000 per month, no support for high-risk or international merchants read more	small businesses, restaurants, and nonprofits
Square Rating: 99%	Square Point of Sale is the company's excellent entry into the point-of-sale arena. Square stands out, not only with its read more	flat rate of 2.75% for swiped/dipped/tApped transactions, 3.5% + $0.15 for keyed transactions, and 2.9% + $0.30 for online transactions read more	able to integrate with another POS systems, free online store, as well as integrating with various shopping cart software providers, developer tools, etc read more	predictable flat-rate pricing, no monthly fees, impressive feature set, affordable chip card readers, all-in-one pay read more	account stability issues, not suitable for high-risk industries	online stores, SMB to Mid Market businesses
Chase Rating: 95%	Chase is the leading provider of merchant services with over $1 trillion in annual processing volume. They have been ser read more	starts at 1.99% + $0.15 per transaction, no monthly account fee	manage the merchant account and process the transactions credit card terminals, payment gateway, virtual terminal, m read more	next-day funding, large direct processor, few complaints compared to size, no monthly fee with standard account, mon read more	"Free" credit card terminal requires long-term contract	all types of businesses
National Processing Rating: 97%	National Processing is a merchant account provider that specializes in ACH processing for small businesses. The company read more	1.9% + $0.2 per transaction	simple pricing, fast settlement, robust and secure, no contracts or setup fees, merchant trust initiative, etc	transparent cost-plus pricing standard, low-cost ACH/eCheck payment processing, a good reputation, good option for budget-conscious merchants read more	cancellation fees charged in some circumstances	online stores
Elavon Rating: 90%	Elavon is a large credit card processing company that offers every option under the sun. If you sign up with them direct read more	stars at 2.65% + $0.19 per transaction, $10.00 monthly account fee	merchant accounts, payment gateway/virtual terminal, terminal sales and leasing, wireless terminals, mobile processi read more	full range of products and services, interchange-plus pricing available upon request, no early termination fee	three-year contract with automatic renewal clause, expensive terminal leases through Ladco Global Leasing Solutions, most account fees not disclosed read more	small businesses, e-Commerce, enterprises

Merchant e-Solutions

Pricing	an annual PCI Compliance fee of $34.95, a $20 monthly minimum fee, a chargeback fee of $25, a qualified rate of 2.69% plus $0.30 per transaction, and an additional 1.95% plus $0.10 for non-qualified transactions.
Features	online, mobile and in-person payments solutions support for most major payment types accept payments in more than 150 currencies comprehensive fraud detection etc
Top Pros	good developer tools few public complaints good customer service
Top Cons	no pricing disclosed online early termination fee (of $300)
Overall Rating	90%
Best For	solution for most business needs, including global payments and eCommerce

Merchant e-Solutions helps merchants accept payments anywhere and easily manage all on one platform. It provides a global network and enables merchants to securely do business in multiple channels including online, mobile, and in-person. The industry-leading technology platform, flexible and customized reporting, and world-class service provider customers, with the most comprehensive payment services in the market.

Clover

Pricing	quote-based
Features	single-source with one contract, multiple currency acceptance and local payments, quick, easy and secure integration, security and fraud management, etc
Top Pros	easy to install and use, add products and verify transactions remotely
Top Cons	no search for last 4 digits
Overall Rating	95%
Best For	small and large-sized businesses

Clover is an integrated POS software system that is designed to offer business support to small and medium restaurants. This tool features custom hardware and is available in a server and web-based deployment options. Clover is also accessible from smartphones and is highly regarded because of the way it helps retailers manage businesses in real time.

BluePay

Pricing	quote-based
Features	ACH check transactions, debit card support, gift card management, online payments, POS transactions, receipt printing, recurring billing, signature capture, etc
Top Pros	good developer tools, good customer support
Top Cons	early termination fee, expensive for low-volume merchants, not good for high-risk merchants
Overall Rating	90%
Best For	large enterprise corporations, small businesses, retail stores taking online payment, freelance workers

BluePay is a handy suite of credit card processing services that cater to all industries and businesses, whether you are running a B2B, B2G, eCommerce, small or medium-sized enterprise. With BluePay, users benefit from credit card processing solutions that are built with the best technology, expertise, and experience so that these products meet the varying needs of all business types.

BillingTree

Pricing	quote-based
Features	payment gateways, virtual terminals, web portals, phone & IVR payments, debt negotiation tools, online billing, text notifications/payments, mobile deposit, etc
Top Pros	good customer service, great product offerings, competitive rates
Top Cons	there are not so many reviews available online
Overall Rating	95%
Best For	focuses on invoice-based industries like healthcare, lending, property management, and education

BillingTree is a merchant account provider that specifically focuses on invoice-based industries like healthcare, lending, property management, and education. The company was founded in 2003 and also operates under the name “Electronic Payment Providers, Inc.” BillingTree offers variable contract terms that depend on each merchant’s business type and processing history.

Durango

Pricing	quote-based
Features	domestic and international merchant accounts, data security and fraud detection, payer authentication enables merchants to invoice customers via email, etc
Top Pros	offers offshore accounts for international merchants, fair pricing and contract terms, offers EMV-compliant mobile card reader, dedicated account manager for customer service
Top Cons	early termination fee in some cases
Overall Rating	98%
Best For	traditional low-risk merchants, high-risk merchant community, as well as international merchants

Founded in 1999, Durango Merchant Services, LLC (durangomerchantservices.com) is a merchant account provider for both U.S. and international merchants, including mail/telephone order, internet, mobile, and retail accounts. Durango specializes in placing high- risk business types, including businesses that require offshore merchant accounts.

Dharma

Pricing	$20.00 monthly fee + additional fees that vary depending on the industries
Features	POS systems, merchant accounts, B2B, Processing, payment gateway, credit card terminals, etc
Top Pros	interchange-plus pricing offered exclusively, no annual or monthly minimum fee, month-to-month billing with no early termination fees, discounted pricing for qualified non-profit companies
Top Cons	not recommended for businesses processing less than $10,000 per month, no support for high-risk or international merchants
Overall Rating	98%
Best For	small businesses, restaurants, and nonprofits

Dharma Merchant Services is a merchant account provider originally based in San Francisco, California but now headquartered in Vancouver, Washington. A certified green eco-friendly business, the company advertises that it donates a percentage of its net profits to non-profit organizations.

Square

Pricing	flat rate of 2.75% for swiped/dipped/tApped transactions, 3.5% + $0.15 for keyed transactions, and 2.9% + $0.30 for online transactions
Features	able to integrate with another POS systems, free online store, as well as integrating with various shopping cart software providers, developer tools, etc
Top Pros	predictable flat-rate pricing, no monthly fees, impressive feature set, affordable chip card readers, all-in-one payments system, free tools for selling online
Top Cons	account stability issues, not suitable for high-risk industries
Overall Rating	99%
Best For	online stores, SMB to Mid Market businesses

Square Point of Sale is the company's excellent entry into the point-of-sale arena. Square stands out, not only with its typical easy-to-use technology but also because it's managed to combine that with a flatter pricing structure than most competing services. Square is the most feature-rich and advanced mobile processing (mPOS) solution you can find without a monthly fee. It doubles as a countertop POS system, too.

Chase

Pricing	starts at 1.99% + $0.15 per transaction, no monthly account fee
Features	manage the merchant account and process the transactions credit card terminals, payment gateway, virtual terminal, mobile pocessing, international payments, business credit cards, etc
Top Pros	next-day funding, large direct processor, few complaints compared to size, no monthly fee with standard account, month-to-month billing available, no terminal leases
Top Cons	"Free" credit card terminal requires long-term contract
Overall Rating	95%
Best For	all types of businesses

Chase is the leading provider of merchant services with over $1 trillion in annual processing volume. They have been serving the world's largest brands, new e-commerce start-ups, and thousands of small businesses for more than 25 years.

National Processing

Pricing	1.9% + $0.2 per transaction
Features	simple pricing, fast settlement, robust and secure, no contracts or setup fees, merchant trust initiative, etc
Top Pros	transparent cost-plus pricing standard, low-cost ACH/eCheck payment processing, a good reputation, good option for budget-conscious merchants
Top Cons	cancellation fees charged in some circumstances
Overall Rating	97%
Best For	online stores

National Processing is a merchant account provider that specializes in ACH processing for small businesses. The company should not be confused with National Processing Company, National Payment Processing, or 1st National Processing, as it appears to have no affiliation with these similarly named providers.

Elavon

Pricing	stars at 2.65% + $0.19 per transaction, $10.00 monthly account fee
Features	merchant accounts, payment gateway/virtual terminal, terminal sales and leasing, wireless terminals, mobile processing, tablet-based mobile POS systems, online customer portal, etc
Top Pros	full range of products and services, interchange-plus pricing available upon request, no early termination fee
Top Cons	three-year contract with automatic renewal clause, expensive terminal leases through Ladco Global Leasing Solutions, most account fees not disclosed
Overall Rating	90%
Best For	small businesses, e-Commerce, enterprises

Elavon is a large credit card processing company that offers every option under the sun. If you sign up with them directly, they offer a wide variety of options with flat-rate pricing and no hidden fees. They also provide e-commerce solutions, hosted gateways, gift and pre-paid card services, and PCI compliance programs. Elavon is a top provider for specific industries, including airlines, restaurants, hospitality, retail, healthcare, and education.