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Credit card payment processors

Having a good merchant services provider can make all the difference when it comes to the success of your business. Check out our list of top-rated POS companies.

The CNET Commerce team has rounded up some of the most popular, top-rated credit card and payment processing companies so you can find the right one that fits your business needs. We'll periodically update this directory and review user comments to ensure it's as comprehensive as possible. If you're already using a payment processor, please feel free to share your experience! Also note, if a purchase is made through the links below, CNET may receive a small share of the sale.

Square.com

Square for Retail is a brand-new set of intelligent, intuitive, and integrated tools purpose-built for retail businesses. Get access to all their free Square Point of Sale (POS) features, plus a package of even more powerful tools.

  • POS hardware and software systems: Yes
  • Mobile payment processing: Yes
  • PCI (Payment Card Industry) compliant: Yes
  • Acceptance of card-not-present transactions: Yes

PayPal

PayPal Payments Pro gives you the flexibility and payment-processing security to build a professional-grade e-commerce site. PayPal is purpose-built to provide robust integration with leading shopping cart providers for businesses of all sizes.

  • POS hardware and software systems: Yes
  • Mobile payment processing: Yes
  • PCI compliant: Yes
  • Acceptance of card-not-present transactions: Yes

American Express

Whether you operate a card-present or card-not-present business, American Express has a suite of solutions to help you process your American Express Card transactions for your small business needs.

  • POS hardware and software systems: Yes
  • Mobile payment processing: Yes
  • PCI compliant: Yes
  • Acceptance of card-not-present transactions: Yes

Gravity Payments

Gravity Payments provides credit card processing solutions and integrates with a wide variety of terminal and software options, including the latest mobile and EMV (Europay-Mastercard-Visa) solutions. Various customer testimonials can be found here.

  • POS hardware and software systems: Yes
  • Mobile payment processing: Yes
  • PCI compliant: Yes
  • Acceptance of card-not-present transactions: Yes

BluePay

Authorizing transactions efficiently at the point of sale is necessary to ensure that your business maintains a steady cash flow and a secure network. A POS system includes a credit card module built into your computer system, rather than a stand-alone terminal. BluePay POS systems allow merchants to determine whether a cardholder is an authorized user with sufficient credit, just moments after swiping the card.

  • POS hardware and software systems: Yes
  • Mobile payment processing: Yes
  • PCI compliant: Yes
  • Acceptance of card-not-present transactions: Yes

Authorize.net

Authorize.net has been a trusted payment gateway partner since 1996. You can count on their expertise no matter what your business needs.

  • POS hardware and software systems: Yes
  • Mobile payment processing: Yes
  • PCI compliant: Yes
  • Acceptance of card-not-present transactions: Yes

Leaders Merchant Services

Business owners will have access to free equipment when they sign up with Leaders. A high-quality, PCI- and EMV-compliant credit card terminal, mobile card reader or PC Processing software is provided for free to new members.

  • POS hardware and software systems: Yes
  • Mobile payment processing: Yes
  • PCI compliant: Yes
  • Free: EMV credit card terminal, or free mobile credit card reader, or free payment gateway

PaymentCloud

At PaymentCloud, Merchant Services have aligned themselves with banks that are comfortable with hard-to-place merchants. Tired of getting rejected because of your business type? That stops here. With over 98 percent approval rating, PaymentCloud knows exactly where to place your business so you can get approved and start making money.

  • POS hardware and software systems: Yes
  • Mobile payment processing: Yes
  • PCI compliant: Yes
  • Acceptance of card-not-present transactions: Yes

Fattmerchant

Fattmerchant believes that businesses of all sizes deserve to have the tools to be successful. At Fattmerchant, that means access to honest pricing, cutting-edge technology and world-class member experience.

  • Flat-rate pricing: Yes
  • Mobile payment processing: Yes
  • PCI compliant: Yes
  • EMV terminals to online virtual terminals, shopping carts, mobile and much more.

Check out CNET Forums for discussions about processing solutions , security and reasonably priced products to fit your small business (SMB) needs.