Running a business is definitely not a cakewalk. You have to wear multiple hats to grow your business towards success. One of those duties is deciding on the best credit card processing company for your small business.
Nonetheless, the top credit card processing services can save your payment processing costs while also giving your clients more payment options.
Moreover, with so many available choices, finding the proper fit for your company can be challenging. In case you are struggling with the same concern— then you have hit the right spot.
In today’s article, we will guide you to review the top credit card processing companies for your small business. Also, we will check the fees, features, advantages, and related concepts. Let’s take a look at the content we’ll cover ahead:
- 5 Leading Credit Card Processing Companies
- Knowing Credit Card Payment Processing Pricing Models
- Understanding Fees that Credit Card Processing Companies Charges
- What You Need to Consider before Choosing a Credit Card Processing Service?
- Advantages of Credit Card Processing Service
- How to Minimize Credit Card Processing Service?
- Frequently Asked Questions (FAQs) Credit Card Processing Service?
5 Leading Credit Card Processing Companies
After hours of evaluation and research, we have narrowed down the 5 leading credit card processing companies for your small business. The following companies have hit the high spot of our research. Let’s learn in detail:
1. Helcim: Top Payment Credit Card Processing Service
Established in 2006, Helcim is a private limited credit card processing company. Its objective is to provide companies with a safe, transparent, efficient, and cost-effective payment mechanism.
It's a terrific option for businesses that process more than $5000 each month and want a better deal than flat-rate programs offer.
We selected Helcim because it offers interchange-plus pricing to its vendors. Also, you will not be obliged to sign a long-term contract and it discloses all of its month-to-month fees and charges on its website. It is one of the best accessible credit card providers.
As a result, it provides you with a clear idea of how much you need to invest. It has affordable prices, gives bulk discounts, and offers a rate lock. Further, it assures that the margin on your account does not increase over time. Moreover, there are no early withdrawal costs if you cancel at any time.
Below we have listed certain features associated with Helcim. Check out:
Helcim now offers a fully hosted app shop with fully customizable themes. The smartest thing is that you may customize themes to fit your company's requirements.
Moreover, you won't have to pay additional fees for web hosting with this service. You'll also be able to add your existing supply to your shop, as well as any other sites you choose.
You can incorporate everything into your shopping cart. It includes payment processors, tax computations, special offers, shipping interfaces.
Furthermore, current websites can still employ these features, but Helcim also offers customized DNS services if you require something more specific.
Helcim's Payments app is available to vendors or merchants. Interestingly, the price is included in your monthly membership. Therefore, you won't have to pay anything more to utilize it.
Furthermore, it works with an unlimited number of users and mobile or tablet devices, including iOS phones and Android.
You can also use its point-of-sale functionality to accept payments from customers. It can be incorporated by linking it to a Helcim Card Reader, cash drawer, and receipt printer.
You can build custom solutions and merge payments for your online website, shopping cart, billing system, and other aspects.
Furthermore, you can also store and charge the information of your customers in a high-security card locker.
Additionally, it can be employed in conjunction with your Helcim account or as a standard payment gateway API.
Customer Portal and Invoicing
Reviewing orders or paying debts can be easily employed by customers. All they have to do is to tap on the Pay Now option. They can also log in to a self-customer service option.
Furthermore, Helcim's invoicing features allow you to produce and create invoices for your customers. You can do so via SMS or email, and you can even set up automated notifications for past-due payments.
Check the pros of Helcim:
- Clear Pricing and credit card processing fees details on the website
- Payments are accepted internationally
- Discounts based on volume are automatically applied.
- Excellent customer service
- In-house customer service is available seven days a week.
- No outbound sales team.
- Processing costs decrease as an organization grows.
Check the cons of Helcim:
- This is not cost-effective for micro sellers.
- For high-risk industries, this is not the best service.
- A card reader is not included in your plan; one can be purchased for $199 per unit.
Customers appreciate Helcim because they will due to inexpensiveness, retail fees, single-monthly fees, and no contracts. It also has one of the most transparent sales procedures, with prices and terms readily available on the company's website.
Helcim only employs interchange-plus pricing for businesses that transact at least $5,000 per month. Furthermore, it is certainly the most cost-effective alternative. This should be sufficient to persuade customers to use their services.
2. National Processing: Best Choice for Small Business
National Processing is a consumer retailer card processor. It ranges from small to medium-sized enterprises and merchant service suppliers.
Furthermore, National Processing is a good alternative for organizations preferring low-cost solutions. It offers cash rewards and also waives cancellation fees. Also, you are not bound with long-term contracts or agreements.
Moreover, its price is based on a system of interchange-plus pricing categorized into multiple tiers. Customers must pay an interchange charge as well as a processing fee to the credit card network.
This pricing system typically leads to cost savings, especially for big enterprises. Nonprofits might choose National Processing since it gives benefits to those who qualify.
Subscribers are reminded on a regular basis by the company's marketing team that they can terminate their subscription at any time without paying any charges or penalties.
National Processing does not own a mobile application in order to receive transactions. It does, however, have a virtual terminal that customers may utilize to manually enter transactions, as well as 24/7 customer service if they have any issues.
It also offers a number of customer support services. The simplest and usually quickest way to receive help is to contact one of the company's toll-free telephone numbers and chat directly with a support agent.
Below we have listed certain features associated with National Processing. Check out:
Differentiated Pricing System
National Processing's differentiated pricing strategy is its most unique feature. Unfortunately, the majority of credit card processing merges their businesses and also hides their rates and prices on websites.
On the other hand, National Processing has a two-tiered pricing structure for large organizations. Whereas small and medium firms have a three-tiered pricing structure.
Simple and Easy to Use
National Processing assists you with reprogramming existing POS hardware and setting up internet payment gateways, making the transition straightforward. It can also provide Clover POS equipment, which is among the best in the industry.
Customer service, on the other hand, is accessible 24/7 and real-world users say the staff is courteous and friendly.
You can gather credit card information by having users input their credentials online using National Processing's virtual terminal. Further, customers can buy and pay for things online using this method.
National Processing will assist you in collecting payments online or by invoice. You may accept electronic ACH check payments, credit cards, and e-invoicing using the online processing system.
Check the pros of National Processing:
- There are no contractual responsibilities
- Transparent and clear stated fees and charges
- No long-term obligations
- Monthly billing system
- Point-of-sale systems of exceptional quality
- Members-only get access to Interchange-plus and membership rates.
- For businesses on a tight budget, this is a smart option
Check the cons of National Processing:
- There is no live chat assistance available
- Long-term commitments are required to acquire a free terminal
The business's good reputation is attested to by National Processing assessments. According to several National Processing customer evaluations on the internet, there are no hidden costs after accepting the contract.
National Processing has an Excellent reputation with the Better Business Bureau, which is received in 2008. Companies looking for inexpensive prices from a trustworthy company might choose National Processing. It's a fabulous choice for retailers and businesses looking for low-cost services. Its cancellation policy is moderate, and clients have given it excellent reviews.
As a result, we provide National Processing our highest recommendation after assessing the service quality.
3. First Access: Popular Credit Card Processing for Small Business
First Access is one of the leading credit card processing services. It allows companies with a sales volume of $10,000 or more to accept credit card transactions at wholesale prices.
Furthermore, it can be used by restaurants, retail, mobile, B2B, medical, e-commerce, accounting, legal, and other professional services.
The interchange-plus pricing mechanism is used in First Access' membership or subscription pricing model.
There are four subscription stages to choose with First Access. It also includes a 90-day money-back guarantee. If you return the gadget and discontinue your membership within 90 days. Then, minus any interchange or transaction fees, you will receive a detailed refund.
They're perfect for small businesses with a lot of card sales. First Access' pricing, fees, and terms are all plainly mentioned. It offers a number of services that enable various types of businesses to accept payments online, in shops, and via mobile devices.
First Access does not charge for PCI compliance, setup, chargeback, cancellation, or other minor charges. Here everything is added in the monthly fees and you are not bound with any long-term contracts.
Moreover, the customer support team can be reached at the phone number mentioned on their website. Many individuals compliment the customer support representatives on how friendly, attentive, and helpful they are. You may also use the website's contact form to get in touch with them.
Below we have listed certain features associated with First Access. Check out:
Credit Card Terminals
The company sells standard countertop terminals from Dejavoo, Ingenico, PAX, and SwipeSimple.
On all models— NFC, EMV, and magstripe payments are accepted. You can acquire an assurance and software load to connect your vendor account to the processor's transaction network.
Offer Next-Day Funding
You will receive next-day funding for any kind of transaction. This type of operation works best for organizations that run in the evening. It also works for vendors that manage significant volume during weekends expenses such as shipping charges or payrolls.
As a top seller in product innovation and cutting-edge technology, First Access provides merchants with payment processors that are customized to their individual business types.
The company's terminal options include the countertop devices, wireless options, the newest EMV Smartchip technology, and PIN First pad options. First Access offers mobile processing hardware and software, as well as secure online payment gateways and tablet POS solutions.
You don't have to sign a long-term contract with First Access; instead, you pay on a month-to-month basis. The fact that this credit card processor does not charge a cancellation fee is also notable.
Some credit or debit card processors may charge you hundreds of dollars if you end your contract early, or they will have you go through procedures to avoid paying the fee.
First Access will give you a proportionate refund if you pay your annual subscription early and then terminate the service later in the year.
In addition, you'll get a 90-day free trial if you buy the annual cost in advance. Fortunately, it helps you to explore First Access and in case you're not happy, then receive your refund.
Check the pros of First Access:
- Easy-to-understand pricing structures
- Free payment gateway and virtual terminal
- Receive a full refund if not happy or satisfied
- There are no setup or application fees
- Many well-known point-of-sale and e-commerce platforms are supported
- In-store, online, and mobile processing comes under in all subscriptions
- The price of membership is clear and unmasked
- Free Reprogramming of devices
Check the cons of First Access:
- Chargebacks are a pain to deal with.
- Only retailers in the United States have access to it.
First Access is a transaction processor and merchant account provider that charges a monthly fee for retail interchange rates to its customers. Moreover, it has high positive reviews from merchants.
This simple solution is ideal for companies that conduct a significant number of transactions and wish to reduce credit card processing costs.
The wholesale price structure also impresses merchants since it enables them to better predict how much they will spend in the end. Also, it offers a return policy when unsatisfied.
4. Surge: Simple to Use on Mobile Devices
Surge is a credit service provider that offers credit services to those with no or weak credit. It now permits companies of all sizes to take credit card transactions safely and securely.
Moreover, Surge is the standard method in credit card processing. It offers user-friendly interfaces, industry-leading data security, and excellent customer support.
Surge's website provides a month-to-month agreement with interchange-plus or subscription pricing. It does more than merely process internet payments.
Furthermore, Surge's interchange optimization process distinguishes it from other credit card processors. It employs cutting-edge technologies to improve that credit card transactions are charged at the lowest feasible interchange rate.
Call Surge's toll-free hotline or complete out a simple online application. It asks for information such as telephone number, name, and email address. You'll also find a support network to help you launch your small business.
If you're having trouble setting up connectors, Surge offers customer support all year. It also includes a number of add-ons to assist you to expand your money processing capabilities.
Moreover, these services encompass safe storing of client credit card information, sales tracking and analysis, and generating & hosting of an online business shop.
Below we have listed certain features associated with Surge. Check out:
Excellent Customer Support
Surge is distinctive as it was created for small businesses in mind. Surprisingly, the organization provides exceptional customer service for merchants who are unfamiliar with credit card processing.
Additionally, the customer service personnel are courteous, knowledgeable, and always available. Also, they do not have any bad reviews from merchants.
Generally, the company's website and advertising materials are sparse, with little information about its products and services.
However, you will find a great deal of information on their payment and processing programs. Moreover, you'll also get a detailed breakdown of any possible hidden charges.
The vast majority of payment processors will not give this information right away. When you start an account, you can also talk to your salesperson about which charges are non-negotiable and which can be waived. You'll also get a rundown of the company's ISO policy, which oversees the company's sales reps.
Surge mostly covers everything. It includes e-signature, chip-enabled CPUs, Bluetooth devices, and invoicing. Merchants can use virtual terminals, recurring billing, shopping cart integration, APIs, auto invoicing, and other features. Eventually, Surge's services provide various functionality for a basic credit card processor.
Check the pros of Surge:
- Free software and equipment are offered
- Payment processing is inexpensive
- The rates are straightforward and affordable
- There is also the option of processing at 0%
- Interchange-plus and subscription pricing plans are available
- For a month at a time, it's a simple contract
- Customer support is available all the time
- There include no charges for cancellation or setup
- Same-day funding support is available for a cost of 1%
- A mobile reader or free terminal is included in the cheapest package
Check the cons of Surge:
- There isn't a free trial available.
- Setup takes significantly longer than with a payment service provider.
Surge is one of the best credit card processors for starting a business. It is because Surge works with low-risk and small enterprises, which many other credit card processors avoid.
Surge's commitment to providing a profitable and long-term support mechanism works excellent in the favor of merchants. Furthermore, the quantity of features it provides new merchants is really astounding, so you should give it a shot this time.
5. OpenSky: Best Credit Card Processor for High Volume
OpenSky is one of the few services that you can readily sign up for. It is great for small business owners that are just getting started.
Furthermore, OpenSky also offers a comprehensive selection of POS software and hardware for every type of business. It offers service along with the flexibility to upgrade as your business expands.
Furthermore, if you wish to work for OpenSky as a merchant, you must complete an online application. You'll be able to configure the OpenSky solution that best matches your needs after it's approved. Unlike other payment service providers, it offers a merchant account customized to your business.
Another perk of OpenSky is that it is accessible on a month-to-month contract with no long-term obligations, enabling you to cancel without incurring large costs.
You'll be assigned a personal account manager when you join OpenSky. Email and telephone support are also accessible.
Furthermore, all OpenSky software and hardware solutions must be PCI compliant. This shows that the organization adheres to the highest data security requirements in the payment card industry.
Below we have listed certain features associated with OpenSky. Check out:
Easy and Simple to Use
OpenSky is a straightforward service, as its name implies. The merchant account is at its core, and the administrative interface helps and nurtures it.
Moreover, this cloud-based solution enables you to manage it all in one location. It also offers all of the resources you'll need to set up typical features like regular billing.
Preferable for High-Risk Businesses
OpenSky stands at the top position when it comes to high-risk businesses.
When you request a free quote, the company will evaluate your organization and provide the most appropriate package for you. The registration process is straightforward, and most businesses will get notification of their approval within 24 hours.
In simple words, irrespective of size or type of business, you have a good chance of being adopted.
Excellent Customer Support
OpenSky's exceptional customer service is one of its top features. Although OpenSky doesn’t have huge customer reviews for OpenSky on the internet. But, the available ones are mainly positive.
Moreover, you'll have access to experienced support as soon as you join up. This team will be available to you by phone and email throughout the year if you are an OpenSky subscription.
Check the pros of OpenSky:
- Excellent customer service
- It is possible to bill and invoice individuals
- There are no consequences if you leave early
- An adaptive service and platform
- There are alternatives for exchange-plus and membership pricing
- Billing and subscription tools to work effectively
- There are no setup fees for the application or the account
- Monthly Contracts with no early termination fees
- A Bluetooth-connected EMV-compliant mobile card reader is offered
Check the cons of OpenSky:
- Not recommended for firms who handle a lot of card transactions
- The business is still quite new
- Must get familiar with the tiered pricing concept
- There is a scarcity of pricing information
The OpenSky operation is excellent and extremely user-friendly for its users. It offers a variety of features and functionality for small businesses. It includes the capacity to make one-time and recurring credit card payments.
Moreover, it will collaborate with you to identify the best pricing strategy for your business. If you are planning to join OpenSky, then receive a quote with detailed pricing information. Further, you can compare it to what other suppliers have to offer.
OpenSky is also lauded for its diverse range of customer service options. It further includes several possibilities to speak with actual customers over the phone, which is always a benefit.
Knowing Credit Card Payment Processing Pricing Models
Following we have discussed pricing models for credit card payment processing. Let’s learn:
This pricing is also known as a linear rate that suppliers pay fixed or single rate on every transaction, irrespective of the payment method. Companies with low transaction volumes profit from a flat rate.
Despite the fact that the per-transaction cost is significantly greater than tiered pricing or interchange-plus, overall costs are kept low. On top of the fixed-rate, most flat-rate processors don't impose a monthly fee.
The interchange-plus pricing model is the greatest solution for large organizations. The processor must list the costs of the components when using interchange-plus pricing.
While openness and transparency make it simple to compare quotations, it doesn't guarantee that you'll spend market value. To ensure prices, you'll need to make accommodations with the processor.
The least transparent of the three alternatives is tiered pricing. Processors aggregate payments together based on their type in this arrangement. It is often known as bundled pricing. The processors will charge a different cost based on the tier.
Qualified, mid-qualified, and non-qualified are the three grades, while some organizations use more or fewer. The issue is that most processors don't explain why particular transactions are routed to different levels.
This technique not only makes tiered pricing difficult to comprehend but also makes calculating wholesale costs and markups difficult.
Understanding Fees that Credit Card Processing Companies Charges
There is no limitation of fees in the payment processing sector. These fees can fluctuate significantly amongst processors, especially if they employ different pricing methodologies.
Check the following fees associated with credit card processing companies for your small business:
What do You Need to Consider before Choosing a Credit Card Processing Service?
We've compiled a list of some of the most important criteria to consider when selecting credit card processing companies for your small business. Let's have a look:
Pricing and Transaction Structure
Price is an important element in any service. A low price tag does not always signify a good product.
As a result, business owners must have a set of programs in mind in order to compare pricing and value.
Due to a simple rate, business owners can grasp exactly what each price covers. This comprehensive overview will help you to select a credit card processor and maintain track of your funds.
Most Credit card firms are infamous for their lack of transparency. Small hidden fees might quickly add up to huge sums if you are not aware of them.
Understanding the pricing will aid in the preservation of your company's bottom line and the avoidance of excessive batch and statement fees.
To save money, consider combining your items. If you buy a card reader and software bundle at the same time. Then, some processors offer great deals and discounts.
Excellent Customer Support
The success of the best credit card processing companies for your small business lies in offering excellent customer service.
To acquire a clear feel of how their services work, inquire about customer service and then phone the number a few times with various concerns or issues.
At some time, every business's account will need to be tweaked or reset. Examine each person's ability behind the phone to assure that this is a simple procedure.
Signing into a long-term deal with a credit card processor is not suggested due to the ever-changing ecosystem of the payments sector.
Moreover, if the contract does not meet the intended objectives of your company owners. Then, they must also ensure that the service they chose does not charge them any extra fees or early termination fees.
Maintaining PCI compliance is the most basic part of credit card processing. It also includes remitting payments and processing.
Some credit card processing companies for small business accept American Express and Discover credit cards along with Visa and Mastercard. However, others may only be limited to accepting Visa and Mastercard as forms of payment.
Processing fees will differ significantly from one provider to another. And, comparison services will not always be accurate in predicting this. Therefore, it's a good idea to shop around for credit card processing.
Additionally, get and compare quotations from a number of service providers. If you make a particular volume of purchases each month. Some credit card companies may then be able to provide you with a deal and discounts.
Some businesses specialize in more than simply credit and debit card processing. These businesses also include billing links, inventory management, and more. By streamlining day-to-day operations, these new capabilities can help a company flourish.
Your company's demands will define which integrations are appropriate for business. However, make sure that the integration you choose should be able to interface with other corporate systems and provide consistent processing rates.
Partnering with a credit card processor who— provides access to point-of-sale technology and equipment — diminishes the need to purchase equipment on your own as a small business.
Card readers, cash registers, terminals, and applications are all included in this package. Interestingly, it is considerably better if the payment processor provides free or low-cost equipment.
Advantages of Credit Card Processing Service
Below we have listed some benefits associated with credit card processing service:
Reduces Human Inaccuracy
It is challenging to manually input data through payment transaction procedures.
Undoubtedly, this process is time-consuming and prone to human inaccuracy. These issues include duplicate entries, incorrect data entry, and data assigned to the erroneous account.
Moreover, the effort spent finding and fixing these mistakes wastes time. However, with a credit card payment processing system, data flows continuously into your ERP. It automatically reduces entry errors and data inconsistencies.
Improves and Enhance Cash Flow
Small e-commerce businesses depend on quick cash flow to remain sustainable. They have to pay their staff, suppliers, and taxes, as well as cover other operating costs.
You may get precise and real-time reports on how much capital is needed. Also, you will know which suppliers need to be charged with a payment processing system that connects with an ERP. This further enables more strategic business conclusions.
Reduces Labor Costs
Payments are immediately linked when made, so there's no need to hire a separate account, receivable team.
Integration also minimizes the expense of training or coaching your employees to handle transactions or re-enter information from credit card transactions.
Additionally, simplifying and streamlining your entire operation, it reduces the time spent training people to process payments.
Boosts Payment Data Security
We recommend employing a PCI-certified payment processor to assure that your customers' accounting reporting is always kept secure. Most credit card payment processing systems employ tokenization to achieve the highest standards of payment security.
Moreover, tokenization is the process of replacing a customer's credit card information with a randomly generated string of characters. It can only be deciphered by the bank during the authorization process.
Furthermore, the tokens you create are incorporated into your ERP system, enabling payments without having to save credit card details.
As a result, you may feel more at ease about the security of your customer’s data, which increases customer satisfaction and retention. Moreover, you'll save time because you won't have to ask your customers for credit card details every time you need to purchase.
Improves your Online Business
Year after year, online sales increase. As a result, if you run an online business, credit card processing will be an added benefit.
The ability to manage sales online is vital to your company's success. Without a merchant account, you won't struggle to participate in this rapidly growing industry of trade.
How to Minimize Credit Card Processing Service?
Following we have listed how you can minimize credit card processing service. Let’s check:
Avoid Paying Unnecessary Fees
Working with a processor that does not impose excessive fees is the ultimate solution. Statement fees, minimum monthly processing fees, PCI compliance expenses, and terminal lease fees are examples of needless fees.
Also, you can get in touch with the organization and request them if any of these fees could be waived off.
Keeping Low Chargeback Rate
Chargeback fees can be costly, costing from $20 to $50 per complaint on top of the full refund. And, significant chargeback rates may force providers to increase transaction fees.
Moreover, you can lower chargebacks by employing chip card readers to reduce your coverage in case of theft or fraud.
In addition, it also offers excellent customer service, return policies, and instant resolution of any consumer complaints.
Avoid the Use of Flat-Rate Charging
Many enterprises, particularly small firms, use credit card processors with an excellent track record to accept payments. When your firm is fresh, these are typically the easiest to set up.
However, you'll almost certainly be on a flat-rate pricing model, which is the most costly method. If you use a processor that offers interchange-plus or subscription pricing, you can save money.
Obtain quotes from a number of different processors. If you locate the best bargain elsewhere, take the estimate to your current processor. The company may match the offer or offer lower rates.
If this strategy does not work for you, then the quotes can help you evaluate cost reductions. And, you can decide whether to change processors or not.
Frequently Asked Questions (FAQs) Credit Card Processing Service?
Following we have listed some of the crucial frequently asked questions (FAQs) credit card processing services. Let’s discuss:
Que 1: What’s Chip Cards or EMV Cards?
EMV safeguards customers and businesses from credit card fraud and cyberattacks. It also shields your company from accountability if a credit card security fault occurs.
For increased security, EMV scans a chip embedded in current payment cards. A regular credit card swiper and an EMV chip reader are included in most modern credit card machines.
Que 2: When Will the Payments be Transferred to my Account?
Credit card funds are managed through an electronic clearinghouse (ACH). And, this process is usually finished within two business days.
However, there may be some delays, primarily due to bank restrictions or chargebacks.
Que 3: How Long does it Take for Credit Card Sales to be Settled?
In general, a credit card transaction ranges from 24 hours to three hours. It is determined by your merchant account and the merchant account suppliers.
Because of developments in payment technology, the time it takes to process credit card sales has decreased.
Que 4: Is there a Limit on How Long a Merchant can Hold an Authorization?
Most authorization holds can be cleared within 30 days. However, the transaction's status and the card issuer's own timing constraints. And, it generally determines how much time it would consume to authorize any transaction.
Although some credit card companies have substantially shorter time limits before such authorizations are removed from the account. It includes enterprises such as Discover and Visa.
If you do not complete a transaction hold, the credit card processing company may charge you a misuse fee.
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Yay! You have finally reached the end of this comprehensive guide. Let’s take revise some of the crucial points for your future reference:
- Helcim offers interchange-plus pricing to its vendors. Also, you will not be obliged to sign a long-term contract and it discloses all of its month-to-month fees and charges on its website
- Helcim's invoicing features allow you to produce and create invoices for your customers.
- National Processing is a good alternative for organizations preferring low-cost solutions. It offers cash rewards and also waives cancellation fees
- National Processing will assist you in collecting payments online or by invoice. You may accept electronic ACH check payments, credit cards, and e-invoicing using the online processing system
- The interchange-plus pricing mechanism is used in First Access' membership or subscription pricing model
- First Access does not charge for PCI compliance, setup, chargeback, cancellation, or other minor charges.
- Surge is a credit service provider that offers credit services to those with no or weak credit. It now permits companies of all sizes to take credit card transactions safely and securely.
- Surge's website provides a month-to-month agreement with interchange-plus or subscription pricing.
- OpenSky is accessible on a month-to-month contract with no long-term obligations, enabling you to cancel without incurring large costs.
- OpenSky stands at the top position when it comes to high-risk businesses.