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The 10 Best Online Credit Card Payment Processors For Small Business

The eCommerce credit card processing providers on this list serve high-risk, high-volume, low-volume, international, or new businesses, among other criteria.

    Jason Vissers
  • UPDATED

Advertiser Disclosure: Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity.

There are more payment processing options than ever before, from traditional merchant account providers to third-party pay-as-you-go processors. And choosing the best credit card processing company can be tricky for new eCommerce merchants.

Whether you’re starting your first eCommerce business or want to add online sales to your brick-and-mortar store, we’ve published this detailed summary of the best online credit card processing providers to help you find the processor that meets your particular business needs.

Keep reading for details on the best online payment processors and a discussion of other matters to consider when launching an eCommerce store.

Learn More About Our Top Picks

CompanyHighlightsNext StepsHighlights
Stripe Payments

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  • Best for custom payment & checkout support
  • Third-party processor
  • Flat-rate pricing
  • Best for custom payment & checkout support
  • Third-party processor
  • Flat-rate pricing

Visit Site

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PaymentCloud

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  • Best for high-risk businesses
  • Full merchant account provider
  • Interchange-plus and tiered pricing available
  • Best for high-risk businesses
  • Full merchant account provider
  • Interchange-plus and tiered pricing available

Visit Site

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Host Merchant Services

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  • Best for online service businesses
  • Full merchant account provider
  • Interchange-plus pricing
  • Best for online service businesses
  • Full merchant account provider
  • Interchange-plus pricing

Visit Site

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Square Online

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  • Best for newer & low-volume businesses
  • Third-party processor
  • Flat-rate pricing
  • Best for newer & low-volume businesses
  • Third-party processor
  • Flat-rate pricing

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Helcim

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  • Best all-in-one platform
  • Full merchant account provider
  • Interchange-plus pricing
  • Best all-in-one platform
  • Full merchant account provider
  • Interchange-plus pricing

Visit Site

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Shopify Payments

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  • Best for multiple sales channels
  • Third-party processor
  • Flat-rate pricing
  • Best for multiple sales channels
  • Third-party processor
  • Flat-rate pricing

Visit Site

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Dharma Merchant Services

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  • Best nonprofit credit card processor
  • Full merchant account provider
  • Interchange-plus pricing
  • Best nonprofit credit card processor
  • Full merchant account provider
  • Interchange-plus pricing

Visit Site

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CDGcommerce

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  • Best for low rates
  • Full merchant account provider
  • Flat-rate, interchange-plus, and membership pricing available
  • Best for low rates
  • Full merchant account provider
  • Flat-rate, interchange-plus, and membership pricing available

Visit Site

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Durango Merchant Services

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  • Best for offshore merchant accounts
  • Full merchant account provider
  • Interchange-plus and tiered pricing available
  • Best for offshore merchant accounts
  • Full merchant account provider
  • Interchange-plus and tiered pricing available

Visit Site

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Treati.io

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  • Best for cannabis & CBD processing
  • Full merchant account provider
  • Interchange-plus pricing
  • Best for cannabis & CBD processing
  • Full merchant account provider
  • Interchange-plus pricing

Visit Site

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Read more below to learn why we chose these options.

Table of Contents

What You Need To Know About Online Credit Card Processing

Let’s summarize the three main requirements to launch an online store.

Payment Processors

Online payment processors fall into two categories:

  • With direct processors (a.k.a. merchant accounts), you’ll typically need to process $5K-$10K in monthly transactions to justify the cost. However, you’ll run a lower risk of account freezes and holds. You’ll be thoroughly vetted prior to approval, though, which can take some time.
  • With third-party processors (a.k.a. payment service providers (PSPs) or aggregators), you’ll undergo little vetting before approval, so while getting signed up is faster, you’ll run an increased risk of account holds and freezes. Read our guide to finding a third-party processor to learn more.

Payment Gateways

A payment gateway allows you to accept online credit card payments — you can’t sell online without one. Third-party processors such as PayPal and Stripe combine their services with a built-in gateway. Meanwhile, merchant account providers may have their own gateways available for an additional fee, or they may set you up with a different gateway provider.

Our guide to using a payment gateway has more information.

Online Store Builders

eCommerce platforms are used to build online stores. Sometimes known as “shopping carts,” eCommerce store builders come in two forms: Software-as-a-Service (SaaS) or self-hosted. For a monthly fee, SaaS store builders — the most common type of online store builder — offer web hosting and storage, SSL certificates, and other tools to build and maintain an eCommerce website.

Self-hosted solutions are typically free to download and offer a lot of paid features and customizability but require technical know-how.

Read our piece on the best eCommerce platforms for a closer look.

The 10 Best Online Credit Card Processing Companies For Small Business

Which provider offers the best online credit card processing for your small business? The answer will depend on your particular business needs, but the companies profiled here collectively offer the most value for your money while providing honest, ethical payment processing.

1. Stripe Payments: Best Online Credit Card Processing For Payment & Checkout Support

Stripe Payments


Visit Site


Pros

  • Excellent developer support
  • Predictable flat-rate pricing
  • Advanced reporting, marketplace, & subscription tools
  • Can take international transactions

Cons

  • Occasional account stability issues
  • Needs technical skills to implement

Why We Chose Stripe Payments For Online Credit Card Processing

How does Stripe work? Well, if you only want a simple online store, there are better processing solutions than Stripe. However, if your online business has unique needs and you’re in a position to take advantage of Stripe’s extensive developer tools, integrations, and international eCommerce capabilities, the company may be a great fit for your business, which is why we’re including Stripe as a top online payment processor deserving of a spot on this list.

Stripe Pricing

Being a third-party processor, Stripe offers simple, flat-rate eCommerce pricing.

  • Online Transactions: 2.9% + $0.30 per transaction
  • International Transactions: +1%/transaction
  • ACH: 0.8% (capped at $5)
  • Chargebacks: $15
  • No Monthly Fees

Stripe Features

Stripe Payments has always been closely tied to eCommerce and is known for its international acceptance, the wide selection of integrations, and its exceptional array of developer tools. Other PSPs (such as Square and PayPal) are easier to use when you’re just starting your eCommerce business. But if you’re planning to use a web developer to design a top-of-the-line, slick-looking web store (and/or adding in-app payment functions), Stripe gives you more tools to integrate into your platform.

  • Payment gateway
  • Cryptocurrency processing
  • Dynamic currency conversion
  • Recurring billing and subscriptions
  • Invoicing
  • Developer tools (some of the best in the industry)

Get Started With Stripe Payments

Read our in-depth review

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2. PaymentCloud: Best Online Credit Card Processing For High-Risk Businesses

PaymentCloud


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Exclusive Promo: PaymentCloud will give you $200 if they can't beat your current rate. Get Your Quote

Pros

  • Reasonable rates and fees
  • Free credit card terminal
  • Excellent customer support
  • Online store integration

Cons

  • No publicly disclosed pricing
  • High-risk businesses will likely have a monthly minimum

Why We Chose PaymentCloud For Online Credit Card Processing

There are plenty of shady operators in the high-risk payment processing space. Among high-risk processors, PaymentCloud distinguishes itself with its reasonable rates, stellar reputation among merchants, and the dedicated account manager it provides its users for guidance. Plus, the fact that PaymentCloud works with so many banks and back-end processors means you’ll have a higher chance of approval than with many competing processors.

PaymentCloud Pricing

PaymentCloud offers both tiered and interchange-plus pricing models. Like many other high-risk specialists, the company has no pricing information on its website, but we’ve gathered some sample pricing ranges for low-risk eCommerce merchants (high-risk merchants will pay more):

  • Interchange-Plus Rate: Interchange + 0.10%-0.50% + $0.15-$0.25 per transaction
  • Monthly Fee: $15
  • Gateway Fee: Variable, depends on the gateway
  • Address Verification Service (AVS): $0.05 per online transaction

PaymentCloud Features

PaymentCloud is available to all manner of online merchants but specifically caters to businesses in high-risk industries (eCommerce merchants have a greater chance of being classified by banks as “high-risk” than other merchants). Here’s some of what PaymentCloud offers to online businesses:

  • Payment gateway (Authorize.Net, which includes a developer toolbox with an open API for customizing your site’s integration, is one of the available choices; check out our list of the best payment gateway and API platforms to learn more)
  • Virtual terminal
  • Shopping cart integration (PaymentCloud integrates with a wide variety of popular online shopping carts)
  • eCheck and ACH processing
  • Contactless payment requests
  • PCI compliance
  • Data migration

Get Started With PaymentCloud

Read our in-depth review

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3. Host Merchant Services: Best Online Credit Card Processing For Internet-Based Service Businesses

Host Merchant Services


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Pros

  • Transparent interchange-plus pricing
  • Exceptional customer service
  • HMS helps match you to an eCommerce store builder
  • No long-term contracts or early termination fees

Cons

  • Can be expensive for low-volume merchants

Why We Chose Host Merchant Services For Online Credit Card Processing

We placed HMS on our list because its processing services are competitively priced and are especially well-suited to those running a web hosting or cloud service provider business (and other SaaS solutions). HMS has a lot to offer other online businesses as well, as the company will provide you with a basic website at no additional cost and will work with your business to match you to the shopping cart that best fits your needs.

Host Merchant Services Pricing

  • Online Transactions: Interchange + 0.35% + $0.10 per transaction
  • Monthly Fee: $14.99
  • Annual 1099 Reporting Fee: $24

Host Merchant Services Features

Host Merchant Services (HMS) is another full-service merchant account provider that offers transparent interchange-plus pricing with no yearly contract, great customer service, and a robust suite of eCommerce features.

  • Virtual terminal and payment gateway (Transaction Express) offering tokenization and encryption of customer data
  • ACH processing
  • Recurring billing
  • Check-imaging
  • Wireless processing
  • Shopping cart integrations
  • Free basic website with hosting

Get Started With Host Merchant Services

Read our in-depth review

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4. Square: Best Online Credit Card Processing For Low-Volume & New Businesses

Square Online


Start Trial

Cost

Free to $79/month

Contract

None

Equipment Cost

$0-$799

Pros

  • Free online store builder
  • Predictable flat-rate pricing
  • No (mandatory) monthly fees
  • Strong POS support

Cons

  • Occasional account stability issues
  • Advanced features come with a monthly fee

Why We Chose Square For Online Credit Card Processing

Square earns a spot on our list by offering a remarkably broad range of features for a payment processor with no monthly fees. And with Square Online, you’ll get an easy-to-use online store builder that provides a lot of value at the free level, while offering more features and storage to paid subscribers.

Lower-volume merchants stand the most to gain from Square, but this processor offers something for everybody, including those looking to sell CBD online.

Square Pricing

Square’s pricing makes it a great all-in-one solution for businesses with a relatively low transaction volume.

  • Online Transactions: 2.9% + $0.30 per transaction (2.6% + $0.30 with a Premium Square Online subscription)
  • ACH Bank Transfers (Via Invoices): 1% with a minimum of $1 per transaction
  • Online Rate For CBD Merchants: 3.8% + $0.30 per transaction
  • Monthly Fee: $0-$79/month, depending on your subscription level

Square Features

Square may be best known for its convenient POS hardware and expansive support software for small businesses. That said, Square does offer respectable eCommerce support and infrastructure. This includes a free online store (paid subscriptions are available for those needing advanced features) and shopping cart support, which can be great for businesses that are primarily brick-and-mortar but also do a portion of their business online.

  • Cryptocurrency processing
  • Currency conversion
  • Invoicing
  • Premade online checkout form
  • Native eCommerce integrations
  • Sell on multiple channels
  • Sell internationally
  • Marketing features
  • Inventory management

Get Started With Square Online

Read our in-depth review

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5. Helcim: Best All-In-One Credit Card Processing Platform

Helcim


Visit Site


Pros

  • Exclusive interchange-plus processing rates
  • No long-term contracts or early termination fees
  • No monthly account fees
  • Excellent customer support

Cons

  • Not cost-effective for merchants processing under $1,500/month
  • No high-risk business support

Helcim is now available with NO MONTHLY FEE. Start Here!

Why We Chose Helcim For Online Credit Card Processing

Canada-based Helcim is one of the best merchant account providers for Canadian businesses and a top-tier provider for US businesses. With its integrated online selling platform, completely transparent pricing, and stellar reputation, Helcim should definitely be considered by any online merchant needing a full merchant account.

Helcim Pricing

Helcim uses interchange-plus pricing exclusively. Your rates will decrease as your monthly processing volume increases.

  • Online Transactions: From interchange + 0.20% + $0.10 to interchange + 0.50% + $0.25 per transaction
  • Chargeback Fee: $0-$15 (depends on the outcome)
  • Monthly Fee: None for online credit card transactions
  • eCheck/ACH processing: $25/month and $0.25 per transaction

Helcim Features

Helcim offers payment processing services to US businesses and is also one of the best credit card processors for Canadian merchants. Helcim’s integrated payments platform (Helcim Commerce) combines the functions of a payment gateway with other ancillary services that you’ll need to run your online business.

  • Interntional payments
  • Hosted online store builder
  • Hosted payment pages
  • Online food ordering
  • Helcim API
  • Virtual terminal
  • Recurring billing
  • Tokenization
  • Product and inventory management

Get Started With Helcim

Read our in-depth review

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6. Shopify Payments: Best Online Credit Card Processing For Multiple Sales Channels

Shopify Payments


Visit Site


Pros

  • Predictable flat-rate pricing
  • Multicurrency acceptance & international transactions
  • Sync data from multiple sales channels
  • Excellent online store builder

Cons

  • Occasional account stability issues
  • A monthly fee is charged

Why We Chose Shopify Payments For Online Credit Card Processing

Shopify is well-established as an eCommerce powerhouse. It offers a complete online selling package for merchants large and small, making Shopify an obvious fit for this list. And with Shopify Payments, you’ll pay less per transaction than if you use another processor with your Shopify shop.

Shopify Payments Pricing

If you have a Shopify online store, using Shopify Payments for website payment processing lets you avoid paying a Shopify per-transaction fee of .5%-2% (on top of the processing fee) with each sale. And if you’re building a non-Shopify online presence, you can still subscribe to Shopify Starter ($5/month) to add buy buttons to your website or your social media posts.

  • No 0.5%-2.0% Shopify Transaction Fee
  • Online Transactions: 2.4% + $0.30 to 2.9% + $0.30 per transaction, depending on your subscription level
  • Monthly Fee: $5-$299

Shopify Payments Features

Using Shopify Starter with your existing online store can be beneficial, particularly for merchants selling items on Amazon, eBay, Facebook, and/or other sales channels. You’ll be able to sync and manage your listings in a single location, and you can generate all your sales data and shipping through Shopify.

Of course, Shopify’s full online stores are feature-packed as well. And with the numerous integrations Shopify offers for dropshippers and suppliers, eCommerce merchants have many reasons to like Shopify.

  • Omnichannel selling
  • Shop Pay (Shopify’s accelerated checkout option)
  • Developer tools
  • Security features and PCI compliance
  • Chargeback management
  • Shopify shipping
  • Local and curbside pickup
  • Local delivery

Get Started With Shopify Payments

Read our in-depth review

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7. Dharma Merchant Services: Best Online Credit Card Processing For Nonprofits

Dharma Merchant Services


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Pros

  • Interchange-plus pricing offered exclusively
  • No annual fee or monthly minimum
  • Month-to-month billing with no early termination fees
  • Outstanding sales transparency & highly ethical business practices

Cons

  • Not recommended for businesses processing under $10K/month
  • No support for high-risk or international merchants

Why We Chose Dharma Merchant Services For Online Credit Card Processing

Dharma Merchant Services — a long-time Merchant Maverick favorite — is a great merchant account provider for most businesses (particularly those processing over $10,000/month). Additionally, Dharma may be the best processor around for nonprofits. The company offers discounted pricing for nonprofit organizations and partners with 4aGoodCause to provide nonprofits with donation pages and event registration services.

Dharma Pricing

  • Online Transactions: Interchange + 0.20% + $0.11 per transaction
  • Online Transactions (Nonprofits Only): Interchange + 0.10% + $0.11 per transaction
  • Monthly Fee: $25 ($20 for nonprofits)
  • Chargeback Fee: $25
  • Retrieval Fee: $5

Dharma Features

As a part of its eCommerce offerings, Dharma uses MX Merchant as its integrated payments platform. This all-in-one service combines the features of a payment gateway and a virtual terminal into a single product. You’ll have access to the following:

  • Online reporting
  • A customer information database
  • A mobile processing app
  • Recurring billing
  • eCheck/ACH processing

Get Started With Dharma Merchant Services

Read our in-depth review

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8. CDGcommerce: Best Online Credit Card Processing For Low Rates

CDGcommerce


Visit Site


Pros

  • Free payment gateway & virtual terminal
  • Month-to-month billing with no early termination fees
  • Excellent customer service & support
  • Scales well

Cons

  • Only available to US-based merchants

Why We Chose CDGcommerce For Online Credit Card Processing

CDGcommerce is an obvious choice for our list of great online payment processors. Featuring services and pricing that evolve to match the needs of your business as it grows, plus transparent pricing and a reputation for ethical service, CDGcommerce is a very strong choice for online credit card processing. High-risk merchants may be accepted as well.

CDGcommerce Pricing

  • Online Transactions: 2.90% + $0.30 with the flat-rate plan, interchange + 0.30% + $0.15 with the interchange-plus plan, and interchange + $0.05 to interchange + $0.10 with the membership plans
  • Monthly Fee: $0 with the flat-rate plan, $19-$49 with the interchange-plus plan, and $49-$199 with the membership plans

With CDGcommerce, your pricing plan will depend on your sales volume and whether or not your business is considered high-risk.

  • Flat-rate pricing is for merchants processing $1,000-$10,000/month
  • Interchange-plus pricing is for those processing $10,000 and $200,000/month
  • Membership pricing for merchants processing over $200,000/month
  • High-risk merchants may be accepted but will pay more than low-risk merchants (pricing for high-risk merchants is not specifically disclosed)

CDGcommerce Features

With CDGcommerce, you get your choice of free payment gateways, including Authorize.Net and the company’s proprietary Quantum Gateway. You’ll also get the following:

  • Virtual terminal
  • Detailed online reporting
  • High-risk processing
  • Recurring billing
  • A security service (cdg360)
  • A Fraud Loss Reimbursement Plan (FLRP) for users of the Quantum gateway

Get Started With CDGcommerce

Read our in-depth review

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9. Durango Merchant Services: Best Credit Card Processing For Offshore Merchant Accounts

Durango Merchant Services


Visit Site


Pros

  • Specialists in placing high-risk & other hard-to-place merchants
  • Offers offshore merchant accounts for some international merchants
  • Fair pricing & excellent contract terms
  • Dedicated account manager for customer service

Cons

  • No pricing disclosures on the website

Why We Chose Durango Merchant Services For Online Credit Card Processing

Durango is one of the few high-risk providers of website payment processing that enjoys a great reputation for fair prices and contract terms. With solid services, a high degree of fraud and chargeback protection, and excellent customer support, Durango is an outstanding choice of processor for the right kind of business — and as an offshore merchant account provider, it’s among the best of the best.

Durango Pricing

Durango Merchant Services specializes in servicing high-risk businesses. The company does not disclose any pricing information or contract terms online; Durango works with numerous back-end processors, so these factors will be highly variable and subject to negotiation. If yours is a high-risk business, expect to pay higher processing rates than a similar low-risk business. Although interchange-plus is sometimes available, you’ll likely be placed on a tiered pricing plan.

Durango Features

Durango is an excellent choice for high-risk businesses needing online credit card processing. Durango also offers offshore merchant accounts for international merchants. Let’s go through what else Durango offers:

  • Proprietary cloud-hosted Durango Pay gateway
  • A variety of shopping cart integrations
  • eCheck processing
  • Cryptocurrency support
  • Fraud protection

Get Started With Durango Merchant Services

Read our in-depth review

Jump back to comparison chart

10. Treati.io: Best Online Credit Card Processing For Cannabis & CBD

Treati.io


Visit Site


Pros

  • Interchange-plus pricing offered exclusively
  • Low monthly fees/few extraneous fees
  • Month-to-month billing with no early termination fees
  • Free virtual terminal

Cons

  • Only available to US-based merchants
  • Processing rates are on the high side

Why We Chose Treati.io For Online Credit Card Processing

Treati.io is a newly-established merchant account provider that caters to both high-risk and low-risk US merchants. We chose Treati.io as our favorite online credit card processor for cannabis and CBD vendors due to its willingness to work with these merchants when many providers will not. On its website, Treati.io describes its ability to set up a Venmo-like P2P payment system for cannabis dispensaries — one which, by necessity, bypasses Visa and Mastercard’s networks.

With transparent interchange-plus pricing and a full range of countertop terminals, POS systems, and mobile processing setups, we’re happy to include Treati.io in this list.

Treati.io Pricing

Treati.io offers interchange-plus pricing exclusively. The company discloses its rates on its website, which is always good to see. However, high-risk merchants will require a custom pricing quote and will almost certainly pay higher rates.

  • Monthly Fee: $20 if a majority of your transactions are online; $10 if most of your transactions are in-person
  • Card-Not-Present/eCommerce Rate: Interchange + 0.75% + $0.20 per transaction

Treati.io Features

Payline Data offers numerous quality features for eCommerce businesses:

  • Proprietary payment gateway
  • Recurring billing & invoicing support
  • API toolkit specifically for accepting online B2B payments
  • Virtual terminal
  • Numerous online store builder integrations
  • ACH processing
  • Fraud protection
  • Quickbooks Enterprise & Premier integrations

Get Started With Treati.io

Read our in-depth review

Jump back to comparison chart

What You Should Look For In Online Payment Processors

Let’s examine some eCommerce-specific issues related to online credit card processing:

Pricing

Online credit card sales are all card-not-present (CNP) sales and online transactions cost more than card-present sales. That said, you can still minimize your per-transaction fees. Flat-rate pricing is fine for low-volume merchants. Higher-volume merchants should try to get interchange-plus or wholesale pricing (read our guide to understanding interchange fees to learn more). Avoid tiered merchant account pricing if possible — though if your industry is considered high-risk, avoiding tiered pricing may not be possible.

Lastly, I highly recommend reading our definitive guide to credit card processing fees for a comprehensive look at merchant services pricing.

Fraud Detection Tools

Because CNP transactions have higher incidences of fraud, fraud detection naturally becomes more important for online businesses. While most credit card associations have fraud detection tools, it’s a good idea to consider additional fraud protection, whether offered as a part of the standard package or available for an extra fee.

Ease Of Use/Technical Knowledge

You should also consider how easy/hard it might be to integrate a particular processor into your web store. If you’re technologically inclined, you might not be worried about buying a domain, building a website, or loading your products or services onto the site. If you’re not, choose a provider with good shopping cart integrations.

Merchant Account VS PSP

One of the first things you must decide is whether you should use a traditional merchant account provider or a payment services provider/third-party processor. It takes longer to apply with a merchant account provider, but you’ll have better account stability once approved. By contrast, you could be approved for processing with a PSP in just a few minutes, but you’ll face an increased risk of account holds, freezes, or even terminations.

Alternative Payment Methods

Credit and debit cards are far from the only payment method for online businesses. Ask yourself whether your customers might prefer using an alternative payment method. Consider implementing methods you think they might use. Accepting ACH payments is popular among B2B companies, while PayPal payments, Apple Pay, Google Pay, and cryptocurrency payments are popular with consumers.

Tokenization

Keeping your customers’ payment information secure is more critical than ever. Credit card tokenization can help you achieve this goal. The process involves replacing the customer’s credit card information with random letters and numbers. Instead of storing a customer’s unique credit card number, tokenization lets merchants store a “token” that only works within a merchant’s system.

Reliability & Customer Support

You should expect both reliability and excellent customer support from your payment processor as well as your shopping cart/recurring billing provider. See if the available support channels match your preferences. The more reviews there are that tell a consistent story, the more confident you can be in their accuracy.

How To Choose The Best Online Credit Card Processing For Your Small Business

When building your online business, you have a wide range of online credit card processing providers to choose from. At first, a flexible, pay-as-you-go third-party processor like Shopify or Square may be ideal. But if you already have a high volume of transactions and want a better processing rate or a more reliable processor, you might consider a dedicated merchant account. Whatever your business situation, we hope this list helps you find the best online payment processor for your business.

Don’t compare on price alone, though!

Consider all the features you need, as well as compatibility with shopping carts and other services that benefit your business. Know what features you absolutely must have immediately and what you anticipate requiring later on as your business grows and its needs evolve.

Common Questions About Online & Website Payment Processing

How much does it cost to accept credit cards online?

The cost of credit card processing online depends on the following factors:

  1. Your payment processor
  2. Your pricing model
  3. Your sales volume
  4. Your average ticket
  5. The portion of your sales that are domestic vs. international
  6. Whether your business is considered high-risk or not

How can I process credit cards online?

  1. Choose a credit card processor
  2. Choose an eCommerce platform
  3. Offer the payment methods your customers use
  4. Make sure your online store is secure
  5. Market your online store
  6. Make sure your pricing plan is appropriate for your sales volume

How do I process payments on my website?

  1. Accept online credit and debit payments
  2. Accept mobile payments, such as Apple Pay and Google Pay
  3. Accept echecks with ACH processing
  4. Use an online payment gateway
  5. Use click-to-pay email invoicing
  6. Use a recurring billing system

What is the best payment method for a website?

  1. Credit/debit card payments
  2. PayPal payments
  3. Mobile payments, such as Apple Pay and Google Pay
  4. Payment links
  5. QR code payments
  6. eChecks
  7. ACH
  8. Cryptocurrency payments

Can I add a payment method to my website?

No matter how many payment methods you accept on your eCommerce website, you can always add another, provided your payment processor supports it.

In Summary: The 10 Best Online Credit Card Processing Companies For Small Business

  1. Stripe Payments:
    • Best for custom payment & checkout support
    • Third-party processor
    • Flat-rate pricing
  2. PaymentCloud:
    • Best for high-risk businesses
    • Full merchant account provider
    • Interchange-plus and tiered pricing available
  3. Host Merchant Services:
    • Best for online service businesses
    • Full merchant account provider
    • Interchange-plus pricing
  4. Square Online:
    • Best for newer & low-volume businesses
    • Third-party processor
    • Flat-rate pricing
  5. Helcim:
    • Best all-in-one platform
    • Full merchant account provider
    • Interchange-plus pricing
  6. Shopify Payments:
    • Best for multiple sales channels
    • Third-party processor
    • Flat-rate pricing
  7. Dharma Merchant Services:
    • Best nonprofit credit card processor
    • Full merchant account provider
    • Interchange-plus pricing
  8. CDGcommerce:
    • Best for low rates
    • Full merchant account provider
    • Flat-rate, interchange-plus, and membership pricing available
  9. Durango Merchant Services:
    • Best for offshore merchant accounts
    • Full merchant account provider
    • Interchange-plus and tiered pricing available
  10. Treati.io:
    • Best for cannabis & CBD processing
    • Full merchant account provider
    • Interchange-plus pricing
Jason Vissers

Jason Vissers

Expert Analyst & Reviewer at Merchant Maverick
Jason has been writing about small business software platforms, services, and financing since 2015. Jason’s expertise has been featured in Yahoo Finance, Time/NextAdvisor, Home Business Magazine, CreditCards.com, GoBankingRates, TheLadders.com, and other publications. He has a bachelor’s degree in Political Science from San Diego State University and currently lives in Philadelphia, Pennsylvania.
Jason Vissers
View Jason Vissers's professional experience on LinkedIn.

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