Credit Card Processing - Top Merchant Services 2024

Our Verdict

Credit Card Processing.com appears to be a pretty good merchant services provider overall. However, it’s hard to tell exactly how it stacks up against other services since it doesn’t provide as much information and aren’t as clear on their pricing.That said, it does offer accessible customer service that seems to be pretty cordial and helpful in general.

Pros

Plenty of plans
Month-to-month pricing
Strong customer support

Cons

Pricing is a bit confusing
Expensive for low-volume businesses

Plans & Pricing

In the past, Credit Card Processing.com used to not publish pricing on its website. Many customers must have complained because it now lists some pricing figures.

Still, they’re a bit confusing. It lists four plans on its site, each with pricing — the lowest has a $79 monthly fee (that doesn’t include your standard transaction and interchange fees). However, Credit Card Processing.com advertises on that same page that plans start at $49 per month. This may mean that a basic, entry-level plan without additional features is $49 per month, whereas the plans listed are “premium” plans. To make things more confusing, however, it lists “additional plans” towards the bottom that are the exact same as the lower three plans listed at the top of the page. No matter what, clicking “learn more” brings you to the page’s contact form, where you give them some basic business information. With that in mind, let’s go over the pricing it lists.

Business is Credit Card Processing.com’s entry-level plan, starting at $49/month + $0.25/transaction + interchange. Credit Card Processing.com doesn’t list any features that come with this plan.

Plus

Credit Card Processing.com’s first listed plan on its pricing page is Plus, at $79/month + $0.20/transaction + interchange. Plus customers get a dedicated account manager and online reporting features through Credit Card Processing.com’s iAccess app.

Pro

You can upgrade to Pro by paying $99/month + $0.15/transaction + interchange. Your upgrade buys you a free basic terminal and gateway.

Premier

Next up is Premier, at $129/month + $0.10/transaction + interchange. Premier customers gain access to breach security protection.

Platinum

At the top of the Credit Card Processing.com pricing structure is Platinum, which costs $249/month + $0.05/transaction + interchange. Unfortunately, Credit Card Processing.com doesn’t disclose what you get with the Platinum plan.

Business

$49 /month

$0.25 /transaction + interchange

Plus

$79 /month

$0.20 /transaction + interchange

Pro

$99 /month

$0.15 /transaction + interchange

Premier

$129 /month

$0.10 /transaction + interchange

Platinum

$249 /month

$0.05 /transaction + interchange

In-depth review

Features and Functionality

Loyalty Program

Want to reward your customers for shopping with you time and again? Credit Card Processing.com uses iPayment to offer its digital loyalty program called Pirq. You can set up loyalty programs in Pirq without a separate PoS integration. All your customers have to do is download the Pirq app to set up their digital punch card.

High-Risk Merchants

Many merchant account providers shy away from high-risk merchants due to liability concerns. However, it appears that high-risk merchants can apply to one of a small group of Credit Card Processing.com’s processing partners for the chance to be approved for a merchant account.

PoS Systems Available

PoS systems go hand-in-hand with credit card processing and other merchant services. Fortunately, Credit Card Processing.com sells its customers the full range of Clover’s PoS solution offerings.

Reporting and Analytics

As a subsidiary of iPayment, Credit Card Processing.com users gain access to the iAccess suite of reporting and analytics tools and features. You can evaluate your transaction data, utilize CRM-esque features, and even read industry news. All plans gain access to iAccess.

Hardware Requirements

Credit Card Processing.com is a cloud-based merchant services provider, so you can access it from anywhere you have an Internet connection and a device. iPayment’s mobile app — MobilePay — is the mobile app for Credit Card Processing.com.

Credit Card Processing.com’s Pro and Premier plans offer you a basic terminal and gateway when you subscribe to them. You can also buy Clover PoS products.

Integrations & Add-ons

Credit Card Processing.com likely integrates with some software applications out there, but there is next to no information anywhere on the web. The site itself doesn’t offer integration information, either.

Ease of Use

First of all, Credit Card Processing.com doesn’t offer much information on its site about its features and is a bit unclear about pricing. As for using the services themselves, it looks easy enough to use.

Customer Service

Credit Card Processing.com offers some pretty great customer support. Based in California (without any overseas customer service, as far as we can tell), phone tech support is available 24/7. The sales support team is available 8 am-9 pm EST, based in both California and Massachusetts.Aside from that, Credit Card Processing.com has a couple of self-help resources, such as FAQs and blog articles.

Phone Support

You can reach Credit Card Processing.com’s tech support team 24/7 and its sales team 8 am-9 pm EST.

Fill out Credit Card Processing.com’s contact form, and they’ll get back to you via email.

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Andrew Omalley

Andrew is a freelance writer who has been crafting valuable pieces of content relating to personal finance for more than five years. Previously, he studied Economics & Finance at university and he has professional qualifications relating to financial advice.

We make the best effort to present up-to-date information; however, the terms of each offer can be revised according to the service provider’s discretion. The above shall not be considered as an expert or professional advice for any matter.