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 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
Plus
$79/month
Pro
$99/month
Premier
$129/month
Platinum
$249/month

Overview

Credit Card Processing.com 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 Processing.com, so let’s elaborate further below.

Rating

  • "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 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 Support

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.
  • Email
    Fill out Credit Card Processing.com’s contact form, and they’ll get back to you via email.
  • Video Tutorials
    Credit Card Processing.com has a few YouTube videos, but too many.
  • FAQ
    Credit Card Processing.com has an FAQ page available on their website

Final Word

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.

Disclosure
This website is an informative comparison site that aims to offer its users find helpful information regarding the products and offers that will be suitable for their needs. We are able to maintain a free, high-quality service by receiving advertising fees from the brands and service providers we review on this website. These advertising fees, combined with our criteria and methodology, such as the conversion rates, our team of reviewer's finding and subjective experience and product popularity, impact the placement and position of the brands within the comparison table. In the event rating or scoring are assigned by us, they are based on the position in the comparison table, or according to other formula in the event specifically detailed by us. See our How we Rate page and Terms of Use for information. The reviews, rating and scoring are provided “as-is” without guaranties or warranties regarding the information contained in our website, which shall not be considered as endorsement. We make the best efforts to keep the information up-to-date, however, an offer’s terms might change at any time. We do not compare or include all service providers, brands and offers available in the market.

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