Top Merchant Account and Credit Card Processing Companies

Processing payments and accepting credit cards is an essential part of any business. If you are still stuck with accepting cash as the only mode of payment, you are definitely missing out on a huge chunk of your market share. However, choosing the right credit card processing company is not as easy a task as it seems to be. Many merchants make this blunder of choosing a merchant account company solely on the basis of price. Price, no doubt, is an important consideration but there are many other factors that should go into your decision making process before fixing on a particular service provider. For example, user friendly interface, secure gateway, features to suit your business, latest technology, reputed name trusted by your customers, and so on.

Keeping all these factors in mind, here is a list of top merchant account and credit card processing companies we’ve prepared for you:


PayPal is probably the best solution for small businesses with low volume sales. It is flexible, budget-friendly, and does not require any long-term contract or commitment. All you need to do to get started is sign up for an account and fill up your profile details. The registration process is pretty simple and straightforward. You can integrate credit card payment system into your website or even request payment through email. There are no setup or termination fees involved; neither are you required to pay any monthly processing fees. A small percentage of the payment you receive will be deducted as commission by the company.

Ensight Merchant Services

Ensight Merchant Services offers several different types of merchant accounts for specialized transaction processing like retail, internet, wireless, restaurant, mail & telephone order, and pay at the pump. Processing solutions are loaded with features like gift card programs, cost comparison, real time reporting, check services and QuickBooks plugin. Choice of credit card equipment includes credit card readers, credit card terminals, payment gateways and retail management systems. Processing fees start from just 0.05 percent and you also get a free credit card terminal. You have the freedom to cancel your account anytime you want; there are no cancellation fees.

Flagship Merchant Services

Flagship Merchant Services is trusted by over 100,000 businesses worldwide. They have specialized processing solutions for retail & restaurant, mobile payments, ecommerce and point of sale systems. To get started, you need to sign a monthly agreement which can be cancelled anytime at no extra charge. But if you opt for a free equipment, you’ll have to sign a 12-month contract. Their customer service is excellent and you also get dedicated account representatives who are quite knowledgeable.

Payline Data

Payline Data offers payment processing solutions for in-store, online and mobile transactions. They have Simple Plan for smaller businesses and Pro Plan for medium to large businesses, based on the monetary value of monthly transactions processed. When you outgrow you existing plan, you can easily upgrade to the higher one without any additional charges. You can also opt for several value added services like EMV, higher security, smarter point of sale, recurring billing, Insights, and more.


Formerly known as Merchant Warehouse, Cayan is yet another reliable company offering merchant account services. Their USP includes ultimate security, unparalleled scalability, universal transaction enablement and unique customer interactions. They offer almost everything you’d expect from a merchant service provider. Though their pricing seems a bit on the higher side, it gets more competitive as your volume increases.

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Written by SkyTech

I hold a Masters in Computer Application Degree, addicted to gadgets, technology and web design.


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