Recommended Merchant Services Reviews

Finix is a U.S.-based payments technology company founded in 2015 and headquartered in San Francisco, California. The platform enables businesses to manage their own payment processing through a unified, API-driven system. Unlike traditional merchant service providers, Finix is designed for platforms, marketplaces, and SaaS companies that want greater control over their payment infrastructure. It supports card payments, ACH transfers, payouts, and real-time analytics within a single dashboard. Finix’s technology is used across industries, including e-commerce, healthcare, financial services, and entertainment. The company’s focus on flexibility, transparency, and developer-friendly tools has made it a strong option for businesses that need scalable, embedded payment solutions.

NMI is a company that’s been serving the payment industry since 2001. Since then, the platform has processed over ten billion transactions and has over 237K connected devices. Network Merchants is based in Illinois, but it serves users worldwide. The initial idea was to serve banks, independent sales organizations, facilitators, and other relevant entities in the payment industry. NMI is focused on innovation and leveraging technology to offer integrated payments that deliver the most benefits for both users of the service and their merchants. If you’d like to learn more, read our NMI merchant review and discover all the details about the service!

Global Payments is a leading multinational financial technology company that provides innovative payment technology and software solutions to merchants, issuers, and businesses worldwide. Operating in over 100 countries with approximately 27,000 employees, the company is one of the largest in this industry. Its payment processing solutions allow businesses to accept various types of transactions, including credit and debit card payments, digital, and contactless payments. In addition, it also supports integrated payments, e-commerce, and omnichannel services. Since Global Payments is present in so many regions worldwide, it’s able to provide a unified platform and a broad international payment network. It enables seamless cross-border transactions and even supports over 130+ currencies. Global Payments’ ‘Genius’ is its highlight, a POS solution with state-of-the-art hardware for businesses of every type and vertical. The company serves over 5 million merchants and handles 73 billion transactions each year. Its clients include Wendy’s, Taco Bell, and Volkswagen.

GoDaddy is a prominent American internet domain registrar and web hosting company that also offers integrated payment solutions for businesses. Founded in 1997 by Bob Parsons in Phoenix, Arizona, it has grown into a global provider serving over 20 million customers. GoDaddy’s payment services, called ‘GoDaddy Payments’, are a comprehensive suite of tools to enable seamless transactions for businesses (online, in-person, or remotely). Their integrated payment gateway lets businesses accept major credit and debit cards, including Visa, Mastercard, American Express, and Discover, as well as digital wallets like Apple Pay and Google Pay. In addition to an integrated payment system for online stores, GoDaddy also offers point-of-sale (POS) solutions for brick-and-mortar stores. The latter can be managed with smart terminals and card readers, or with a virtual terminal on compatible mobile devices. GoDaddy Payments currently caters to businesses based in the U.S. and Canada. It provides features like online pay links, virtual terminals for keyed-in payments, and invoicing, all managed from a centralized dashboard.

Stripe is one of the most widely recognized names in online payments, trusted by millions of businesses worldwide. Founded in 2010, the company has grown alongside the e-commerce industry, continually evolving its platform to support modern business needs. One of Stripe’s key strengths is its easy setup and user-friendly interface, which lowers the barrier for businesses launching online stores. It also offers broad global support, with compatibility across 190+ currencies, making it a strong choice for companies looking to expand internationally. Stripe has positioned itself as a flexible, developer-friendly platform that balances simplicity with advanced functionality — suitable for both startups and growing enterprises.

U.S. Bank (parent company US Bancorp) is one of the largest banks in the US, headquartered in Minneapolis, Minnesota. It offers various financial services for individuals, businesses, and institutions. From personal banking to credit cards to loans, it caters to virtually every banking consumer with both physical and online presence nationwide. The bank employs over 70,000 people. U.S. Bank also provides merchant services designed to help businesses process payments efficiently. These services include point-of-sale systems, online payment gateways, and mobile payment solutions. Their merchant services are geared towards streamlining payment acceptance, improving cash flow, and enhancing the overall customer experience for companies of different sizes and industries. The bank offers upfront pricing and lower transaction costs, which may allow businesses to retain a larger portion of their revenue.

SumUp is a company that provides point-of-sale (POS) solutions tailored for small and medium-sized businesses. Their offerings include mobile card readers, which enable merchants to accept payments via debit and credit cards anywhere, using their smartphones or tablets. The company’s POS system is user-friendly, featuring an app that integrates sales checkout, a powerful back-office, and a customer marketing suite. SumUp services are designed to be affordable, with transparent pricing, making it accessible for businesses with varying transaction volumes. By focusing on simplicity and reliability, SumUp aims to empower businesses to manage their payment processing needs efficiently.

Pinpoint Payments is a distinguished merchant service provider with over a decade of experience in payment options for small businesses. With a track record as a five-time Inc. 5000 company, this trusted leader in the world of payment processing has earned a reputation for delivering reliable and secure merchant services. From conventional retail stores to E-commerce, they have options for every business type, including those labeled as high-risk. They specialize in credit card processing for small businesses, offering a variety of tools such as credit card readers, payment gateways, and credit card scanners. Additionally, they have a 4.8 rating on Trustpilot, reflecting strong customer satisfaction. If you’re on the rocks about choosing a merchant service provider, Pinpoint Payments stands out as an attractive choice due to its flexible solutions and 24/7 support, making it just what you might need to grow your business.

Kibo Pay, a Chicago-based credit card processing company, enables small and medium-sized U.S. businesses to eliminate 100% of their credit card processing fees. This approach allows businesses to retain more of their revenue. Founded by business owners who understand the specific challenges small businesses face, Kibo Pay is designed to support and simplify payment processing for these businesses. Whether you’re running a cozy coffee shop, a bustling restaurant, or an e-commerce site, this merchant service provider offers flexible, tailored payment solutions for a variety of industries. From in-store payments to mobile and online transactions, Kibo Pay makes it easy to accept all major credit and debit cards securely. As a bonus, they offer a free 3-month trial to help you experience their services risk-free. Rated Best in Card Processing Services three years in a row on Trustpilot with an impressive 4.9-star rating, Kibo Pay has built a reputation for excellence. If you’re looking for a smarter way to manage your payment processing while cutting costs, they might just be the solution your business needs.