Credit Card Processing Review

flag Strong customer support
  • Month-to-month pricing

  • No early termination fees

  • May accept high-risk merchants

  • Multiple plans available

Pros & Cons

  • Plenty of plans
  • Month-to-month pricing
  • Strong customer support
  • Pricing is a bit confusing
  • Expensive for low-volume businesses

Plans & Pricing

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


Credit Card’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’s iAccess app.


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


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


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



Credit Card is exactly what it sounds like it is. It’s a California-based merchant services provider that provides businesses the ability to accept credit card payments. It was acquired by and became a subsidiary of iPayment — an independent sales organization for First Data, one of American’s largest credit card processors — in 2012. There isn’t too much information on the web about Credit Card, so let’s elaborate further below.


  • "Price"
    8.5 /10
  • "Features"
    8 /10
  • "Ease of USe"
    9 /10
  • "Help and Support"
    9 /10

Features and Functionality

Loyalty Program

Want to reward your customers for shopping with you time and again? Credit Card 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’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 sells its customers the full range of Clover’s PoS solution offerings.

Reporting and Analytics

As a subsidiary of iPayment, Credit Card 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 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

Credit Card’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 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 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 Support

Credit Card 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 has a couple of self-help resources, such as FAQs and blog articles.

  • Phone Support
    You can reach Credit Card’s tech support team 24/7 and its sales team 8 am-9 pm EST.
  • Email
    Fill out Credit Card’s contact form, and they’ll get back to you via email.
  • Video Tutorials
    Credit Card has a few YouTube videos, but too many.
  • FAQ
    Credit Card has an FAQ page available on their website

Final Word

Credit Card 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.

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Andrew Omalley>
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.

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