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Top Credit Card Processing Companies
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Credit Card Processing Companies is a Web site that has been developed to aid people planning a business or those who already are in business and are seeking guidance in selecting a credit card merchant account provider that is best for their business.

This review of credit card processing companies was conducted in early 2011 and is intended to be used as a guide. A guide points the way. Information has been gathered but as with any guide, individuals are encouraged to do their own due diligence as information and policies of a company can change or you may consider a particular evaluation category as more important to you and your business.

Ultimately, this guide has been compiled and designed to provide you with best information so that you can make a more informed decision on obtaining a new credit card merchant account provider, or changing from your current credit card processing company to make your business more efficient, more cost effective, and more profitable. For that purpose, we have rated Chase as our top choice.

Let's face it—being able to process credit cards is a crucial part of any business. People like to use credit cards. They're easy to use. They're quick and convenient. It keeps cash in a consumer's pocket longer, and provides a better record of a transaction for the consumer than having only a cash receipt.

Using a credit card helps a consumer's own personal cash flow by deferring a payment until their next credit card statement comes in. What's more, people like the way credit cards can pay them back. How is that done? According to a 2010 report by the Federal Reserve Bank of Boston, 60 percent of consumers have a credit card that offers benefits or rewards. These rewards might be in the form of 1%-5% cash back awards, merchandise, travel benefits, or some other tangible reward or benefit for using a particular credit card. So there are many incentives for a consumer to pay by credit card rather than cash or check. By being able to process credit cards you are providing a consumer with more options for purchasing your goods and services.

As reported for 2008, there were an estimated 176.8 million credit card users in the United States. At the end of 2009 an estimated 576.4 million credit cards and 507 million debit cards were in the hands of United States consumers. Some credit cards from that total are assuredly being used at your place of business or will be used in your planned place of business—ready for processing to deposit money into your account and improving your cash flow with funds automatically deposited and available to you.

To accept and process credit cards a business needs a number of things, foremost of which is a credit card merchant account from a credit card processing company. There are many providers of this necessary service. We have surveyed, reported on, and rated providers according to a number of categories and criteria, including speed of setting up an account (Setup Time), and various cost factors including Average Rate, Transaction Fees and Statement Fees, Clear the Account, fraud protection, and more.

Credit card processing companies have differing rates and fees. One company may have a lower Transaction Fee, the flat fee charged on each transaction, than other companies. But the same company might have a higher gateway fee or Average Rate (also called, "Average Discount Rate," the percentage a credit card processing company charges a merchant; essentially, the credit card processing company's commission on each of your sales). So the apparent benefits of a low transaction fee might be entirely wiped out by higher fees in other areas. It is an overall cost of all rates and fees combined with other factors that identifies the best credit card processing company to work with for your credit card merchant account.

We rated Leaders Merchant Services as our top choice. Many of the credit card processing companies we reviewed are quite excellent. So to some extent this became a question of who is the best of the best. Balancing all factors we identified the credit card processing company Leaders Merchant Services as our top-rated choice because of its low cost, efficiency, speed, service, equipment offered, and certain other factors.

Thank you for visiting this Web site and we hope it has been useful to you and the success of your business. If you'd like share any of your experiences or post a comment, please do so.

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