We receive compensation from brands featured here, which may influence their ranking.Advertiser disclosure
Advertising Disclosure
This site is a free online resource that strives to offer helpful content and comparison features to its visitors. Please be advised that the operator of this site accepts advertising compensation from certain companies that appear on the site, and such compensation impacts the location and order in which the companies (and/or their products) are presented, and in some cases may also impact the scoring that is assigned to them. The scoring that appears on this site is determined by the site operator in its sole discretion, and should NOT be relied upon for accuracy purposes. In fact, Company/product listings on this page DO NOT imply endorsement by the site operator. Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented on this page are disclaimed. The information which appears on this site is subject to change at any time. So how do we make money? Our partners compensate us. This may influence which products we review and write about, but it in no way affects our recommendations or advice. Our partners cannot pay us to guarantee favorable reviews of their products or services.
MerchantServicesUSA
Best Merchant Services Reviews
Home
Merchant Services
Merchant Services Credit Card Processing Payment Processing Merchant Services Credit Card Readers Payment Gateway
Reviews
Reviews Leaders Paysafe Stax Payment Depot Clover MerchantOne
Blog
Blog Interchange-Plus Credit Card Processing (2025): Transparent Pricing & Top Picks Best Month-to-Month Credit Card Processing (No ETF) — 2025 Best Credit Card Processing for Nonprofits & Charities (2025) Best Credit Card Processing for B2B & Wholesale (2025) Best Credit Card Processing for Professional Services & Healthcare (2025) Best Credit Card Processing for eCommerce & Subscriptions (2025) Best Credit Card Processing for Contractors & Home Services (2025): Top 8 Picks Best Retail Credit Card Processors (2025): Top 8 Picks Best Restaurant Credit Card Processors (2025): Top 8 Picks ACH vs. Cards: When to Use Each, Fees, Same‑Day ACH Limits & Risk Reg II Debit Routing (Durbin) for Merchants: What Changed for Online Payments PCI DSS v4.0 for Small Businesses: What’s Due by March 31, 2025 Surcharging vs. Dual Pricing vs. Cash Discount: What’s Legal in 2025? Credit Card Processing Fees Explained (2025): Real SMB Averages, By Method & Card

Best Merchant Service Providers in September 2025

Straight‑talk reviews and step‑by‑step guides to help you choose the right processor, cut fees, and get paid faster.
Get My Custom Quote Compare Top Processors
KEY TAKEAWAYS
Start with workflow, then price: in‑person EMV/tap, online checkout, invoices, tips, and deposits.
For steady volume, interchange‑plus or subscription pricing usually beats flat‑rate.
If you use dual pricing or surcharging, follow card‑brand and state rules and train staff.
REVIEWS
Top Picks (2025)
Eight brands we cover most. Click for deep reviews with pricing models, contract terms, funding speed, hardware/POS, and real‑world cost examples.
Leaders
Highest approval and industry low rates for every business
Free Trial No
Offer Transparent pricing with powerful POS solutions for small businesses
Pricing Rates as low as 0.15%
Contract Typically 3 years
Funding Same/Next Day
Best For Approval Rates & Low Fees
Leaders
Read Review
Stax
Merchant services for high-volume businesses
Free Trial 1 Month
Offer Save 40% on fees with 0% markup processing
Pricing $99/mo + $0.07–$0.15 + interchange
Contract Month-to-month
Funding Next Day
Best For High-volume merchants
Stax
Read Review
Swipe4Free
Same Day Approvals with a 99% Approval Rate!
Free Trial No
Offer The original zero-fee credit card processing solution
Pricing 0% (surcharge model)
Contract Month-to-month
Funding Same Day
Best For Small biz saving on fees
Swipe4Free
Read Review
MerchantOne
POS Systems that Delight Customers and Save You Time
Free Trial No
Offer Get a $500 gift card if we can’t beat your rate
Pricing Interchange-plus, low monthly fees
Contract Flexible
Funding Next Day
Best For Startups & small businesses
MerchantOne
Read Review
WorldPay
Get $650 for signing up
Free Trial No
Offer Get $650 for signing up
Pricing Custom, global multi-currency support
Contract 2–3 years
Funding 1–2 Days
Best For Large/global enterprises
WorldPay
Read Review
Payment Depot
Slash your fees by 40% with membership plan
Free Trial 1 Month
Offer Lock in lowest-cost, no-markup processing with zero exit penalties
Pricing $99/mo + $0.07–$0.15 + interchange
Contract Month-to-month
Funding Next Day
Best For Affordable Credit Card Processing
Payment Depot
Read Review
Clover
Simple to learn and use as it is powerful and versatile
Free Trial No
Offer Secure payment processing solution for restaurants and retail businesses
Pricing Flat-rate, POS included
Contract Month-to-month
Funding Next Day
Best For Retail & restaurants
Clover
Read Review
Paysafe
Empowering businesses to process payments globally.
Free Trial No
Offer Secure global payments for high-risk businesses.
Pricing Interchange-plus program
Contract Flexible
Funding Same/Next Day
Best For Globally Payments
Paysafe
Read Review
SHORTLIST
Pick by Business Type
Restaurants Retails Contractors & Home Services eCommerce & Subscriptions Professional Services & Healthcare B2B & Wholesale Nonprofit & Charities
TARGETS
Pick by Goal
Month-to-Month (No ETF) Interchange-Plus (Transparent) Fast Funding (Next-Day.Instant) Surcharging & Dual Pricing Clover POS-Focused
TRUST
How We Score
Total cost clarity: pricing model and all monthly/incidentals.
Contract & ETF: initial term, auto‑renewal, cancellation steps.
Funding speed: T+1/T+2, instant/expedited, batch cut‑off, weekends.
Hardware & POS: device lineup, integrations, reliability, swap SLAs.
Online & invoicing: gateways, VT, links, subscriptions, fraud tools.
Compliance & risk: PCI tooling, surcharging/dual pricing support.
Real‑world fit: statement math, support patterns, owner feedback.
Our reviews prioritize transparency and real math. We compute effective rates from statements and gather multiple quotes. When you click to a provider, we may earn a commission—this never affects our recommendations.
Latest Guides
Credit Card Processing Fees Explained (2025): Real SMB Averages, By Method & Card
Understand interchange, assessments, and markup. See SMB ranges for in‑person vs online, calculate your effective rate, and learn ways to lower costs.
Read
Surcharging vs. Dual Pricing vs. Cash Discount: What’s Legal in 2025?
Credit‑only surcharging, dual‑price displays, and cash discounts—see card‑brand caps, state rules (NY, CO), required signage/receipts, and how to implement.
Read
PCI DSS v4.0 for Small Businesses: What’s Due by March 31, 2025
What changed in PCI DSS v4.0, which SAQ to use, and the essentials to finish now—MFA, logging, script integrity, tokenization—for a smooth 2025 assessment.
Read
Reg II Debit Routing (Durbin) for Merchants: What Changed for Online Payments
Since July 2023, online debit must support two networks. Enable PINless debit and least‑cost routing, verify checkout flags, and track savings.
Read
ACH vs. Cards: When to Use Each, Fees, Same‑Day ACH Limits & Risk
Cards convert best at POS and online; ACH is low‑cost for invoices, recurring, and B2B. Learn Same‑Day ACH limits and the validation rules you must meet.
Read
TRUST
How We Score
We’re a small, independent team focused on small‑business payments. We analyze statements, collect multiple quotes, and run hands‑on tests before we write. Every article shows a “Last updated” date, cites sources, and links to relevant state or card‑brand rules so you can verify the details yourself.
Contact Us
Leaders