Best Credit Card Processing of 2026
Find affordable and transparent payment processing for your business
Top Rated Providers
Compare features, pricing, and customer ratings to find the best option for your needs.
Pros
- •No monthly fees
- •Easy setup
- •Great for small business
Cons
- •Higher per-transaction fee
Key Features
Pros
- •Powerful API
- •Global support
- •Developer friendly
Cons
- •Technical setup required
Key Features
Pros
- •Trusted brand
- •Buyer protection
- •Easy integration
Cons
- •Higher fees
- •Account holds
Key Features
Credit card processing is essential for modern businesses, enabling you to accept payments online, in-person, and via mobile. With transparent pricing models, easy integration, and features like invoicing and inventory management, today's payment processors help businesses of all sizes grow.
Consider your business type and transaction volume. Retail stores need in-person terminals, while e-commerce businesses require robust online payment gateways. Look for transparent pricing, PCI compliance, integration with your existing tools, and reliable customer support. Avoid providers with hidden fees.
Payment processing fees typically include a percentage (2.5%-3.5%) plus a per-transaction fee ($0.10-$0.30). Some charge monthly fees ($10-$50) while others are pay-as-you-go. In-person transactions usually have lower rates than online. High-volume businesses can often negotiate better rates.
Modern payment processors offer online and in-person payments, mobile card readers, invoicing, recurring billing, fraud protection, chargeback management, virtual terminals, inventory management, analytics and reporting, and integration with accounting software like QuickBooks.
Evaluate your average transaction size, monthly volume, business type (retail, restaurant, online), international payment needs, and integration requirements. Check deposit speed (next-day vs. standard), contract terms, cancellation policies, and whether equipment is purchased or leased.