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Stellar operates as a non-stock, nonprofit organization designed to connect people to global, low-cost financial services to fight poverty and maximize individual potential. The goal is to help fight the current financial conditions of the market (Long transaction times, bureaucracy, transaction fees, multiple dependencies on third parties, to name a few) and allow individuals to secure their future without having to worry about economic constraints. Founded in 2014 by Jed McCaleb, co-founder of Ripple, after running into philosophical differences with the rest of the Ripple board, the main difference between the two is their respective target audience; Banks and financial institutions for Ripple; Clients (People) for Stellar. The premise is that STellar Lumens works as a liaison between people, banks, and the payment system. It aims to bring all your financial needs and requirements into a single platform, letting you perform transactions at any time and at any speed, near free of charge.Differentiation: Let’s refer to the relationship between Stellar and its forefather – Ripple. First, there are fundamental philosophical differences. Stellar is a non-profit open-source technology that primarily serves to promote worldwide financial access and inclusion. Stellar partners with financial institutions and global money transfer operators as well as other projects and businesses, with an emphasis on helping to serve the underserved and unbanked. The network already has live payments, starting from Europe to the Philippines, and the Stellar team already announced working towards integrating African countries as well. By comparison, Ripple is a for-profit entity that is creating a payments network with large financial institutions. It currently has over 75 big banks on its network, including big names like Bank of America, RBC, Standard Chartered, and UBS, with a remarkable number of partnerships and collaborations with key groups and businesses already announced and confirmed throughout the last two years. Furthermore, there are fundamental technological differences. Stellar was a fork of Ripple back in 2014, but now there is almost no shared code. That software, called Stellard, is still running in production. However, about half a year after launching, Stellar subsequently released a completely unrelated payment system called Stellar-Core, that uses the SCP and an entirely new code base. The Stellar Consensus Mechanism was developed by David Mazieres, Professor of Computer Science. SCP allows a lot of flexibility in terms of how nodes configure their quorums and is explicitly designed to accommodate Byzantine failures and different nodes trusting different subsets of the system. Meanwhile, Ripple uses probabilistic voting, a very different mechanism that relies on majority validation. Another key difference is that Stellar is inflationary by nature, with 1% new Lumens being printed each year (And also recycling fees to later distribute back to the community), while Ripple is inherently not, by destroying fees and reducing the amount of XRPs in circulation. Another thing is, Ripple is arguably much more centralized than Stellar. It runs a permissioned ledger where Ripple itself determines who may act as a transaction validator on their network. Stellar, on the other hand, has an open ledger that anyone can view, access, and join, and anyone could be a transaction validator, in theory, and mostly in practice too. Stellar also hosts Build Challenges (6 already concluded!) to reward builders who create useful technologies on the Stellar network as well as also releasing a Partnerships Program that offers partners up to $2 million in lumen grants.Readiness: Stellar’s platform is running smoothly at the moment. The volume isn’t large, but adopting is still scarce. Remittances are simple, letting you send money across various borders, with Stellar aggressively expanding fields of operation into Southeast Asia and countries in Africa. Real-time transactions settlements occur within seconds, costing practically zero fees. Multicurrency transactions work fast and well. (The concept is “”clearing””, broadly meaning in our context which is cash value transfers cross-border, clearing is the activity of identifying participants, agreeing to the transaction, and mutually agreeing to settlement terms. During this process, the entities exchange IOUs with each other. This is what you’re seeing in the stellar exchange today if the assets are denominated in fiat – one entity is sending a USD obligation to the beneficiary. Acceptance of that is acceptance of the clearing arrangement. ) Overall, Stellar’s network is far from optimal, the way they see it, but is very much a working product, and it’s working smoothly.Concreteness of Development Plans: The roadmap on itself isn’t very detailed – it specifies main goals and secondary objectives, which are briefly explained. The two key goals – the Stellar Decentralized Exchange and implementing Lightning Network on Stellar, initially did not have a well-defined timeframe within 2018, and on March 19th, 2018, the SDF released another smaller roadmap just for the Lightning Network implementation, with specific dates and a solid time frame within the second half of the year, and there are several talks about the exchange being prepped up to be released around Q3.The objectives are somewhat well defined within the boundaries of reason – there isn’t an abundance of information nor is it completely devoid of useful information. Stellar briefly touches on why they are looking to upgrade what they do, in what ways, the exchange’s planned features and small partnership announcements, along with links to the project’s Github repositories. A better defined roadmap for the Stellar Decentralized Exchange is welcome and needed.Current Position within Roadmap: The 2018 roadmap in its entirety can be found here (2018 Stellar Roadmap) and basically states two key goals the foundation aims to achieve by the end of 2018: the Stellar Decentralized Exchange and implementing Lightning Network on Stellar. Currently, the two are still under development but are expected to come out sometime this year, with constant commits and updates on these issues. The secondary objectives Stellar set out to achieve by the end of the year are to improve the ecosystem support, increase network security and make validator nodes easier to run and more efficient and self-sustaining. They are also planning to revisit some of the P2P code to improve how nodes interact and exchange data between themselves. All in all, Stellar didn’t release a bombastic, out-of-touch roadmap – instead, they announced a small post back in January, with sufficient details and realistic goals. They appear to be well on track to achieving those goals. On March 19th, 2018 the Stellar foundation released another roadmap for the Lightning Network implementations. (Lightning on Stellar: Technical Spec and Roadmap) * Apr 1 BUMP_SEQUENCE pushed to a testnet * Aug 1 State channels beta implementation * Oct 1 State channels on Stellar livenet + Lightning Network beta * Dec 1 Lightning Network on Stellar livenetFeasiblity: It is hard to gauge exactly how feasible are the SDF’s plans are. Their blockchain is in place – the architecture is sound and even inspiring. There are significantly more users, significantly more interest and most importantly, more users are using the platform than just several months back, and Stellar consistently hosts competitions they like to call ‘build challenges’ which are an ongoing program to reward innovation and development in the Stellar ecosystem that happens 4 times a year, with more and more interest garnered after each event. There are promising partnerships, including IBM and Tempo to name a few. There is stability – Stellar has been around since 2014 and has shown to have the funds to support their project for this long.Looking at the larger picture, Stellar has true potential to achieve all their goals – a rare sight in the cryptosphere, especially for an organization that is non-profit – but will face difficult challenges. The main one is adoption, something 99% of the cryptocurrencies struggle with, something that is more defining to a crypto-based project’s success than everything else. If Stellar will manage to promote adoption – more network usage, more projects utilizing’s Stellar’s platform, more traders using their decentralized exchange, more partnerships – it will eventually reach a threshold that will open the flood gates in all their might. The potential is there, yet there are too many variables in play, and only time will tell.Blockchain Innovation: Stellar’s biggest blockchain related innovation and overall contribution is the Stellar Consensus Protocol (SCP), a specific modulation of FBA. (Federated Byzantine agreement worldwide consensus model) The most famous and popular decentralized consensus mechanism is the proof-of-work (In PoW, miners solve hard, practically useless problems to create blocks and reach consensus under the ‘the longest chain wins’ notion) mechanism advanced by Bitcoin (And later Litecoin, Ethereum until the move to PoS and most others), with other popular decentralized concensus mechanisms used in today’s cryptosphere including Proof-of-stake (A protocol which generally states that a person can mine or validate block transactions according to how many coins he or she holds – the more coins you own, the higher your mining power is), Delegated proof-of-stake, proof-of-authority and more. Another approach to consensus is Byzantine Agreement (a model for consensus using nodes, quorum slices and quorums. Quorum slices are sets of nodes used for reaching an agreement., irreversibly) the best-known variant of which is PBFT, or the Practical Byzantine Fault Tolerance. According to the team, this approach has two appealing properties. First, consensus can be fast and efficient. Second, trust is entirely decoupled from resource ownership, which makes it possible for a small non-profit to help keep more powerful organizations. To complicate matters, however, all parties must agree on the exact list of participants. Moreover, attackers must be prevented from joining multiple times and exceeding the system’s failure tolerance (What’s known as a Sybil attack). Stellar introduced an evolution of the Federated Byzantine Agreement (FBA). Put very simply, Previous FBA protocols had a determined membership list. SCP, however, uses open membership, meaning anyone can join in. We will not get into the technicalities – Stellar’s whitepaper and other resources do that beautifully and thoroughly – but the key take from this is that Stellar took a very successful consensus protocol and improved upon it to reduce risk and improve security. It is not a wild guess to assume future projects will try to utilize’s Stellar’s FBA protocol or improve upon it entirely.Company Stage and Foundation: SDF — also known as Stellar — was incorporated in 2014 as a non-stock non-profit corporation in the U.S. State of Delaware.SDF employs over a dozen full-time employees, part-time employees, and contractors, to develop and execute programs that promote global financial access, literacy, and inclusion. All members of Stellar were established at the time of incorporation. Members serve for life and are responsible for electing the Board of Directors. The SDF Members are Patrick Collison, David Mazieres, and Jed McCaleb, famously known as the man who was also behind Ripple and eDonkey. Each Member serves for life or until he or she becomes incapacitated or appoints a successor Member and resigns. Members of Stellar are distinct from Directors (members of the Board of Directors). A Member can also be a Director and vice versa, but the Board and Members are entirely separate bodies with regard to SDF governance. The SDF has three boards: Board of Directors: Responsible for core governance decisions, determining the direction of the Stellar Network, and lumen distribution. The Board of Directors is advised by the other two boards. Architecture Board (AB): Responsible for determining and overseeing sponsored technical initiatives. Expansion Board (EB): Responsible for overseeing network expansion initiatives, engaging with regulators, and training. Stellar funds their operations as so: * 5% of the initially created lumens on Stellar were put in a reserve to fund the cost of operations. * Charitable contributions from companies or individuals * Foundation membership. Some of the benefits for this membership include, but not limited to, networking opportunities with network members and service providers (such as consulting firms, fintech companies, and software providers), discounted technical development hours with Stellar network specialists, entry to SDF invite-only events focused on technical, compliance, and other topics. * In 2014, SDF received a loan of $3,000,000 from Stripe which was subsequently repaid with 2B lumensTeam Assembly and Commitment: Stellar employs over a dozen of full-time employees, all with relevant roles and expertise in their respective roles. Nicolas Barry (CTO), who has a Masters degree in Applied Mathematics and Computer Science, previously helped build large-scale systems at Microsoft and Salesforce. He worked for Microsoft for nearly a decade, holding key roles such as Senior Lead Software Engineer, Senior Lead Development Engineer, to eventually become the Principal Software Engineering Manager. David Mazières, described by Stellar as ‘Chief Scientist’, is a professor of Computer Science at Stanford University, where he leads the Secure Computer Systems Group. Mazières received a BS in Computer Science from Harvard and Ph.D. in Electrical Engineering and Computer Science from MIT. His research interests include operating systems and distributed systems, with a focus on security. Rafał Malinowski and Scott Fleckenstein are the two developers under McCaleb. (Robert Durst, another developer, was recently hired as well) The former is a software developer while the latter worked as Lead Developer at Couchsurfing, Lead Engineer and Chief Architect at OpenFeint (acquired by GREE) and was Lead Engineer and on the founding team for Get Satisfaction. Lisa Nestor, Director of Partnerships, holds an MBA from UCLA Anderson and was a business development volunteer with the Peace Corps (Mauritania ’07-’09), led operations and partnerships for a portfolio of research studies at the Centre for Micorfinance (India) and most recently led product marketing and growth at Payoff. Overall the team formation looks solid, with relevant expertise in key roles, however, we feel this is not enough and evidently, Stellar seems to be aggressively hiring business developers and engineers, looking at their jobs listing.Background of Lead/Core Team Members: Prior to co-founding Stellar in 2014, Jed McCaleb founded and served as the CTO of the company Ripple. McCaleb is also known for creating the bitcoin exchange Mt. Gox, a bitcoin exchange based in Japan that operated between 2010 and 2014. The domain name was repurposed from a previous project, Magic: The Gathering Online Exchange, which was a platform for trading the world-wide famous Magic: The Gathering cards. Eventually, Mt. Gox announced that approximately 850,000 bitcoins belonging to customers and the company were missing and likely stolen, an amount valued at more than $450 million at the time and $6.4 billion(!) today. To this day, the reasons for the security breaches remain unclear, with many hypotheses running around, and understandably, much criticism towards those who ran the operation. McCaleb also founded eDonkey, a decentralized, peer-to-peer file sharing network. He split ways with Ripple after deep philosophical and practical differences to create Stellar. There is still a large veil of uncertainty and criticism towards the internal differences that led to this seperation, with many reports online siding with either McCale or Ripple Lab. McCaleb is active on social media and Github. Other notable names under Stellar’s umbrella, mostly as advisors, include Patrick Collison, co-founder and CEO of Stripe, who invested in Stellar as early as 2014 and also serves on Y Combinator’s board of overseers and studied math at MIT, and Greg Stein, Director at the Apache Software Foundation and a known developer.Relevance of Team’s Previous Experience and Skill Set: Jed McCaleb, as we mentioned under ‘Background of Lead/Core Team Members’, is in many eyes the perfect man to lead Stellar. There are many speculations as to why exactly McCaleb left Ripple to form Stellar, and we won’t indulge speculations here or there. However, is it clear as daylight that the general reason McCaleb left Ripple was ideological differences. Jeb McCaleb has a set of ideologies that are fundamentally different than the rest of the Ripple team, that can be noticed reading Stellar’s mandate and also token economics in terms of distribution and inflationary/deflationary practices. It is important to note, however, that multiple sources have mentioned and elaborated on internal feuds between men in key roles in Ripple Labs, one of which is McCaleb. Regardless of whose company’s approach and practices are better, Jed McCaleb packs immense amounts of experience, expertise, and connections that helped boost Stellar to where it is today. There is criticism claiming McCaleb burned a lot of bridges in his altercations with the Ripple team over the years, and that he let down his investors and team members. Stellar does not have any other big names leading the noble and very difficult charge to change the entire monetary system altogether other than McCaleb, with other notable names like Patrick Collison (co-founder and CEO of Stripe) and Matt Mullenweg (founder of WordPress.com: Create a free website or blog) appearing in the advisory board and not the team’s core members.Team Skill Set Balance (biz / tech / blockchain): Overall, despite not being a large team, the overall expertise of the Stellar team is very specific and precise. Lead developers like McCaleb, Mazières, Malinowski, Fleckenstein, and Nowotarski are known in their fields, pack academic expertise and are experts in their field. Lisa Nestor has worked with many established, big projects and has over a decade of expertise in building strategies for business. The advisory board is stellar, no pun intended, with Patrick Collison, Greg Stein, Matt Mullenweg and Naval Ravikant being the bigger and better known.Strategic Partnerships: The SDF’s full list of anchors and partnerships can be found here. (Partners Directory) Notable names on the list include Stripe (a suite of APIs that powers commerce for businesses and one of Stellar’s early adopters), IBM (an American multinational technology company with operations in over 170 countries), Deloitte (a leading global finance and technology consulting firm. Its clients include 80 percent of the Fortune 500 and more than 6,000 private and middle market companies), Tempo (A high-tech European licensed remittance provider serving 43 countries), Stronghold (an asset management platform), and Mobile Wallet & Bitcoin Exchange in the Philippines | Coins.ph. (A leading mobile financial service provider in Southeast Asia) and there are dozens more.For deeper analysis, you’re welcome to visit Stellar Review - CryptoRated

Best Credit Card Processors 2019Lori Fairbanks, StaffJanuary 2, 2019You have a lot of options when it comes to choosing a credit card processing company, but it can be hard to decide which one will be the best fit for your business. In our testing, we looked for transparent pricing with low rates and few fees, month-to-month contracts and reliable customer support. See our top recommendations, below, or check out our credit card processing guide if you want tips to help you choose the right processor for your business.Our Best PicksTo help you find the right processor, we researched and analyzed dozens of options. Here’s a roundup of our 2019 best picks for credit card processing companies and an explanation of how we chose them.Best for Flexible TermsFlagshipRates : 0.30% + $0.10 above interchange per transactionRead review Visit SiteBest for Small Business OverallHelcimRates : 0.25% + $0.08 above interchange per transactionRead review Visit SiteBest for MobileSquareRates: 2.75% flat rate per transactionRead review Visit SiteBest Online ProcessorStripeRates: 2.9% plus $0.30 cents flat rate per transactionRead review Visit SiteBest Low-Volume ProcessorPayPalRates: 2.7% flat rate per transactionRead ReviewBest for RetailFirst DataRates: Starting at 0.39 to 1.89% + $0.15 cents per transactionRead ReviewFlagship Merchant ServicesBest for Flexible TermsSummaryFlagship Merchant Services is our pick for flexible terms because it offers favorable month-to-month terms to all its merchants, with no setup, gateway setup or early termination fees. This full-service credit card processing company has low rates and offers both tiered and interchange-plus pricing, so you can choose the pricing model that's best for your business. The service includes a merchant account and a wide range of credit card processing options, including in-person, online and mobile credit card processing. If you need a more advanced solution, you also have the choice of using a full-featured iPad POS system. Flagship has an easy application process and 24/7 customer support.Read our full review of Flagship Merchant ServicesHelcimBest for Small Business OverallSummaryHelcim is one of the most transparent companies in the industry. It provides interchange-plus pricing to all its merchants and posts its complete rates and fees on its website, so you know exactly what you'll pay. Its rates are low, it offers volume-based discounts and its one of the few companies with a rate lock, guaranteeing its margin won't increase over the life of your account. Helcim has in-person, online and mobile processing, plus more advanced solutions such as invoicing, recurring payments, and level 3 and multicurrency processing. It provides its services on a month-to-month basis, charges no early termination fee and has 24/7 phone support.Read our full review of HelcimSquareBest for MobileSummarySquare provides a fast and easy way to accept credit card payments anytime, anywhere, and is our mobile processing best pick. Getting started is simple. Just sign up for an account, download the Square credit card payment app and plug Square's card reader into your iOS or Android device. Its credit card payment app includes full-featured point-of-sale software and you can also use Square's stand to turn your iPad into a powerful POS system at your checkout counter. Square offers dedicated solutions for all types of businesses, has simple pricing, fast deposits, a free online store, and other benefits.Read our full review of SquareStripeBest Online ProcessorSummaryStripe is our pick for online credit card processing. It's easy to set up an account, so your online store can start processing credit card sales right away. You can choose from the simple Stripe Checkout system that you can copy and paste into your online store, or program the Stripe API into your shopping cart. It also has plugins and integrations for hundreds of business software applications and services. Stripe is packed with features and customization options, which lets you tailor the service to suit your e-commerce business's unique needs. The company also has flat, transparent pricing, so you'll know exactly what you'll be paying.Read our full review of StripePayPal Credit Card ProcessingBest Low-Volume ProcessorSummaryPayPal offers credit card processing to all types of businesses at a budget-friendly price, which is why it's our pick for businesses with low-volume sales. Whether you make sales in person, online, on the go or all of the above, PayPal has a credit card processing solution for you. Designed specifically for small businesses and startups, the service has pay-as-you-go terms and comes with additional perks like a basic POS system, the ability to extend credit to customers, a rewards business Mastercard program, and 24/7 phone and email support.Read our full review of PayPal Credit Card ProcessingFirst DataBest for RetailSummaryFirst Data is one of the largest credit card processors in the U.S., and it's our pick for high-volume businesses. It offers competitive rates, is willing to negotiate fees and has the technology in place to allow its merchants to accept all types of payments. This includes its popular Clover line of processing equipment and Alipay, a popular Chinese payment method that merchants in tourist towns may wish to accept. It is First Data Salutes initiative offers perks to merchants in the military and their spouses. First Data provides 24/7 phone support and live chat.Read our full review of First DataWhat to Expect in 2019It’s taken American consumers longer to begin using mobile wallets like Apple Pay, Google Pay, and Samsung Pay than industry experts expected, but usage continues to grow, and according to a Zion Market Research report, 90 percent of cell phone users will make a mobile payment by 2020, up from just 50 percent in 2017. Globally, U.N. payment experts predict that in-store mobile payments will finally overtake credit card usage by 2020. This is good news for merchants that have the technology to accept mobile payments because consumers that pay with mobile wallets spend more and shop more frequently, according to a recent study by operations management researchers at the University of Illinois at Urbana-Champaign.Physical credit cards will soon be upgraded to contactless, tap-and-go credit cards that use near-field communication (NFC) – the same technology that powers mobile payments. The benefit of contactless cards is that transactions are faster than those made using EMV chip cards but just as secure. For merchants and consumers that disliked the slower transaction times of EMV cards, tap-and-go cards will be a welcomed update. Chase, the largest U.S. issuer of credit cards, plans to roll out tap-and-go Chase Visa credit cards to customers whose cards are up for renewal in 2019, as well as those who open new accounts. Later in the year, it will begin issuing tap-and-go debit cards.Our MethodologyTo help you find the right Credit Card Processing, we researched and analyzed dozens of options. Here is a roundup of our 2019 best picks for Credit Card Processing and an explanation of how we chose them.Locating the Best ServicesTo find the best credit card processors for small businesses, we started by asking business owners which credit card payment processing companies they use or have worked with. We also asked what the businesses liked and disliked about these vendors, and whether they would recommend them to other small businesses and why.Choosing the Best ServicesNext, we created a comprehensive list of credit card processors suitable for small businesses. In addition to those mentioned by the small business owners we spoke to, the processors we were familiar with and those that contacted us asking to be considered, we also looked at credit card processing companies that appeared on reputable online sources, such as merchant services review sites and business websites.Researching Each ServiceWe then researched these vendors and narrowed our list down based on different use-case scenarios (Best Picks categories above). Our research consisted of reviewing each processor's website, watching videos, reading how-to guides, browsing help resources, and trying out demos when available. We also posed as business owners and asked questions of sales and customer support reps, to get a better idea of the quality of service and find out information that isn't readily available online.Our Best PicksIn total, we compiled a list of more than 85 credit card processors. Our picks for top credit card processing companies are First Data, Flagship Merchant Services, Helcim, PayPal, Square, and Stripe. Those that made it to our shortlist include Braintree, Chase Merchant Services, Dharma Merchant Services, Elavon, EMSplus, Fattmerchant, Global Payments, Payline, QuickBooks Payments, Shopify Payments, SumUp, TSYS and Worldpay, Inc.Full List of Credit Card ProcessorsHere is a full list of Credit Card Processing providers and a summary of what each company claims to offer. This alphabetical list also includes our best picks, which are marked with badges.2Checkout2Checkout is a global payment platform that allows companies to accept online and mobile payments from buyers worldwide. According to the company, it offers a pre-integrated payments gateway, PCI compliance, international fraud prevention and integration with more than 100 shopping carts.https://www.2checkout.comAmazon PayAmazon Pay, formerly known as Amazon Payments, is a credit card processing service for online merchants. You add its familiar checkout button to your website, and your customers use their Amazon credentials to complete their transactions. You pay a flat percentage of each sale and a per-transaction fee. There's no long-term contract or monthly, annual, gateway or PCI compliance fees.https://pay.amazon.comFlagship Merchant ServicesFlagship Merchant Services is our pick for the credit card processor with the best flexible terms, because it offers customers month-to-month service with no early termination fee.http://flagshipcreditcardprocessing.comPayment Processing: Accept Payments AnywherePayment Processing: Accept Payments Anywhere is a payment gateway provider that lets you accept credit cards through the platform itself or integrate payment with your existing merchant account. The service is packed with features, such as advanced fraud detection, recurring billing and e-check processing. However, with its $49 setup fee and monthly gateway fee, working with the service directly may cost slightly more than going through a third-party processor.https://www.authorize.netBankCard USABankCard USA offers all types of credit card processing solutions for small businesses, including wireless and mobile processing, e-commerce solutions, and POS systems. It claims to have a guaranteed low rate, but its rates and fees aren't clearly disclosed on its website. BankCard USA promises same-day application decisions.http://www.bankcardusa.comBASYS ProcessingBASYS provides credit card processing services with features including free online reporting. The company offers several solutions including TransFreedom, ProPay and Clover Capital. Choosing a solution depends on your business's needs.https://basyspro.comBestMerchantRatesBest Merchant Rates boasts everyday low rates and posts its interchange-plus pricing on its website. The company states that there are no long-term contract or cancellation fees, so you won't have to worry about any unpleasant surprises. It sells processing equipment or, if you already have the hardware, reprograms it for free.http://www.bestmerchantrates.comBluePay ProcessingBluePay Processing, recently acquired by First Data, offers all-in-one credit card processing solutions for a wide range of B2B and B2C merchants, including nonprofits. It offers omnichannel and Level 3 card processing, but it specializes in online transactions and integrates with more than 450 software platforms.https://www.bluepay.comBlueSnapPayments processor with an all-in-one payment platform. The platform accepts more than 100 payment types and has a single integration.http://home.bluesnap.comBraintreeWant to accept more than one type of online payment? Braintree, a PayPal company, lets you accept PayPal, Apple Pay, Venmo and more using a single integration into your website or app. You can also accept more than 130 currencies. Volume pricing is available for companies processing $80,000 or more per month.http://www.braintreepayments.comCDGcommerceCDGcommerce provides in-person and online credit card processing services to small businesses. It offers interchange-plus pricing to all its merchants and charges fewer fees than most. There's no setup, AVS, PCI, TIN/1099K or annual fees. There's also no monthly minimum and no early termination fee.http://www.cdgcommerce.comCartwheel RegisterCartwheel Register by Tantrum Street is a mobile credit card processing app for the iPhone and iPad. Instead of using a card reader, it uses your device's camera to capture card data. The company charges a flat percentage of each sale plus a per-transaction fee. There are no monthly, annual or PCI-compliance fees and there's no contract so you can cancel at any time without penalty.https://www.cartwheelregister.comCentury Business SolutionsCentury Business Solutions provides in-store, mobile and online payment solutions for businesses of all sizes across multiple industries. It doesn't require you to sign a contract, and it integrates with more than 50 accounting software programs, e-commerce platforms, and CRM systems.http://www.centurybizsolutions.netChange Merchant SolutionsChange Merchant Solutions offers a choice between flat and interchange-plus pricing, and every six months it invites its merchants to submit a statement for an audit to ensure their rates haven't increased. It works with new businesses and can approve applications as quickly as the same day. It doesn't charge setup or cancellation fees.http://changemerchantsolutions.comAccept Credit Cards Online | Merchant Service Provider | Credit Card ProcessingAccept Credit Cards Online | Merchant Service Provider | Credit Card Processing merchant accounts let you process credit cards online and offline, even if you have bad credit or are a high-risk merchant. The company says it offers low rates, but it only posts its qualified debit card rate on its website. It comes with free setup, software, online shopping cart, and terminal or credit card reader.http://www.charge.comChase Merchant ServicesChase Merchant Services, formerly known as Chase Paymentech, is one of the largest processors in the industry. It offers a wide selection of products to help small businesses accept credit cards in person, online and on the go. Its processing services come with advanced fraud protection, data encryption and other security tools to protect your business and customers.https://merchantservices.chase.comCornerstone Merchant ServicesCornerstone offers merchant accounts, a variety of processing equipment and its own online payment gateway, so you can accept credit card payments in-store, online and on the go. It pairs its customers with a dedicated account executive, so you'll have a consistent contact throughout the life of your account.http://cornerstonemerchant.comCredit Card Processing SpecialistsCredit Card Processing Specialists advertises a free terminal, no long-term contract, and a low-rate guarantee, though it only shows its qualified debit card rate on its website. It offers industry-specific merchant accounts, a variety of processing services and third-party software integration (including QuickBooks).http://www.creditcardprocessingspecialists.comCredit Card Processing - Merchant Services & Payment Processor CompanyAccept VISA, Mastercard, American Express, Discover and STAR credit and debit cards with a merchant account from Credit Card Processing - Merchant Services & Payment Processor Company, a Paysafe (formerly iPayment) company. It offers solutions for retail, restaurant, and e-commerce businesses, including POS systems, mobile credit card processing, and a virtual terminal for phone and mail orders.http://topten.creditcardprocessing.comCurrencycloudCurrencycloud is a cross-border payments platform based in New York and London that helps B2B businesses accept payments from international customers. It provides real-time exchange rates and has a global collections program that provides your clients with virtual, local account numbers so you can receive payments faster.https://www.currencycloud.comDharma Merchant ServicesDharma Merchant Services is a certified green business that provides payment processing for retail, restaurant and e-commerce businesses. It has no long-term contract requirements and is transparent about pricing, posting its complete rates and fees on its website. The company donates generously to charity and offers discounted rates to nonprofits.https://www.dharmamerchantservices.comE-Commerce ExchangeAccept credit cards and integrate your credit card terminal or POS system with QuickBooks when you use E-Commerce Exchange. The company also lets you accept international payments, online payments, checks, and EBT. It offers other business services such as small business loans, merchant cash advances, and payroll services.http://www.ecenow.comeData Financial GroupIn addition to providing in-person, mobile and online credit card processing for U.S. businesses, eData works with high-risk and international businesses. It offers additional business services, like small business loans, merchant cash advances, and marketing.https://edatapay.comEMSplusEMSplus is a mobile credit card processing app from Electronic Merchant Systems (EMS) that works on Apple and Android phones and tablets. It has flat-rate pricing and a month-to-month agreement with no setup, cancellation or monthly fees. There are also no monthly minimum processing requirements.https://plusbyems.comElectronic Cash Systems (ECS)ECS, a division of US Alliance Group, provides merchants with credit and debit card processing services. In addition to mobile credit card readers and countertop checkout terminals, ECS sells and supports ATMs. It offers additional business solutions such as ACH transfers, remote electronic deposits, and merchant cash advances.http://www.ecspayments.comElectronic Payment ExchangeAlso known as EPX, Electronic Payment Exchange has nearly 40 years of experience in the payment processing industry and is a subsidiary of North American Bancard. It uses multiple technologies to secure your processing data end-to-end and provides retail, online, mobile and ACH processing services.https://www.epx.comElectronic Payment SystemsElectronic Payment Systems is another provider that offers more than credit card processing. In addition to retail, mobile and online processing, it provides processing equipment, check processing, loyalty and gift cards, merchant cash advances, and marketing and SEO services.http://www.eps-na.comElectronic Transfer, Inc.Electronic Transfer, Inc. offers retail, e-commerce, mail, phone, and mobile credit card processing solutions. It claims low rates, but they aren't posted on its website. It advertises free merchant-account setup, virtual terminal, shopping cart, recurring billing and fraud prevention.http://www.electronictransfer.comeMerchanteMerchant offers credit card processing services for all types of businesses. This includes retail stores, service providers, ecommerce businesses, professional offices, and mobile merchants. The company claims to have the lowest rates for card present transactions but doesn't post them online. It promises fast approvals and quality customer service.http://www.emerchant.comEVO iPOSEVO iPOS, a division of EVO Payments International, was formerly known as Sterling Payment Technologies. This full-service credit card processor works with retail, restaurant, B2B, e-commerce and service businesses. It offers credit card readers, POS systems, mobile payment processing and value-added programs like gift cards.https://evoipos.comFastTransactFastTransact provides credit card processing services for businesses. The company has other products, including POS systems.https://www.fasttransact.comFattmerchantFattmerchant is an integrated payment technology platform that revolutionizes the payment processing experience for business owners through real-time data analytics, transparent subscription pricing, and award-winning customer support. Fattmerchant members enjoy all of these benefits with no hidden fees, no contracts, and unlimited processing.https://www.fattmerchant.comFederated PaymentsFederated Payments offers to check acceptance and merchant services, including retail, online, phone and mobile processing. It has a cash-advance program and notes that it approves most applicants and no financials are required to apply. Gift cards, customer loyalty programs, and processing equipment are also available from this company.http://www.federatedpayments.comFlintFlint has partnered with Stripe to offer an innovative mobile credit-card-processing system. You don't need a reader to accept credit cards on your smartphone – just download the credit card payment app, and then scan the card to process a transaction. It also comes with features like e-commerce processing and invoice billing.http://www.flint.comGlobal PaymentsGlobal Payments ranks among the largest credit card processors in the U.S., though it also serves businesses in many other countries. The company offers a full range of processing services to businesses of every size, across many industries, including retail, restaurant, healthcare, education, gaming, and nonprofits.http://www.globalpaymentsinc.comgoEmerchantgoEmerchant provides payment processing services for e-commerce businesses, but it works with companies that accept payments in person as well, offering terminals, a POS system and a mobile card reader. It also has developer tools for businesses that need custom integrations.https://www.goemerchant.comFree POS Systems & Payment ProcessingGotmerchant provides credit card processing services and equipment to retailers, restaurateurs, and online merchants. Its hardware options include credit card machines, wireless card readers, electronic cash registers and POS systems. It also offers touch tone credit card processing and integration with Yahoo Store Merchant accounts.http://www.gotmerchant.comHeartlandHeartland, a Global Payments company, is a popular small business credit card processor that provides in-person, e-commerce and mobile payment processing to businesses in many industries. The company offers interchange-plus pricing to all its merchants, which is the pricing model industry experts recommend. It also offers robust data security and 24-hour customer service.http://www.heartlandpaymentsystems.comHost Merchant ServicesHost Merchant Services offers interchange-plus pricing to all its merchants, and you can view its rates for businesses processing $10,000 or more per month on its website. Those processing less, as well as high-risk businesses, need to call for quotes. It offers discounted rates to nonprofits. There's no long-term contract, early termination fee, setup fee or monthly minimum.https://www.hostmerchantservices.comIntrixIn addition to merchant services and payment gateways, Intrix provides bespoke payment solutions to enterprise businesses, APIs that developers can use to connect with proprietary software, and white-label products such as virtual terminals, mobile apps, and hosted payment pages that resellers can customize with their own branding.http://intrix.comiTransactiTransact provides a full range of merchant services, including ACH processing. It also offers processing equipment, data analytics, and merchant cash advances. For its resellers, such as credit unions and community banks, it has a white-label mobile app and card reader that can be customized with your brand.http://itransact.comLeaders Merchant ServicesLeaders Merchant Services claims to have a 98 percent approval rate for merchant account applications and offers a free mobile card reader to new merchants. It advertises industry-low rates, though it doesn't post them on its website. The company can set you up with processing equipment and provides its merchants with 24/7/365 support.http://www.leadersmerchantservices.comLeap PaymentsLeap Payments offers interchange-plus pricing to all its merchants and is one of the few companies with a rate-lock guarantee. It sells a variety of terminals and POS systems. Supported businesses include retail stores, restaurants, professional and personal service providers, contractors and home services, and e-commerce stores. It also works with businesses in high-risk industries.http://www.leappayments.comMSI Merchant ServiceMSI Merchant Service is a Shift4 Payments company (formerly Harbortouch) that provides payment processing services and equipment to small businesses. MSI’s website talks about interchange rates, but its application shows tiered pricing, so you may need to specifically request interchange-plus pricing when you call for a quote. It offers on-site installation services and training as well as 24/7 technical support.http://www.msimerchantservice.comMaverick BankCardThis company works with various banking partners to deliver the right products and services for your business's needs. The businesses that Maverick BankCard can provide credit card processing services for run the gamut of industries: retail, restaurant, ecommerce, hospital, lodging, gas station and nonprofit. It can also work with high-risk businesses.http://www.maverickbankcard.comMerchant AnywhereMerchant Anywhere offers its processing services to small businesses on a month-to-month basis and charges a single monthly fee, which includes gateway services. There are no fees for application, setup, cancellation or statements. There’s also no monthly minimum. You can use Merchant Anywhere on Android and Apple devices as well as computers.http://www.merchantanywhere.comMerchant OneMerchant One offers processing solutions for small businesses that accept card payments in-store, online, on the go, or by mail and phone order. It approves a high percentage of applicants, can set up your account quickly and provides 24/7 customer support. It advertises low processing rates, but only posts the rate for qualified debit transactions on its website.http://www.merchantone.comMerchant Solutions LLCMerchant Solutions lets you accept credit cards in person, online and by phone. The company works with business of all sizes, including those that are home-based. Services also include mobile and PC credit card processing, as well as merchant and POS cash-advance programs. It advertises a free terminal placement program, but terms for it aren't posted.http://www.merchantsolutionsllc.comMoolahMoolah, not to be confused with Moolah Payments, is a rarity among mobile credit card processing companies, because it provides you with a merchant account and a Payment Processing: Accept Payments Anywhere gateway but charges very few fees. There are no monthly, annual, PCI, gateway or termination fees. It has flat, transparent pricing, pay-as-you-go terms, and a low monthly minimum. It integrates with hundreds of third-party apps, including e-commerce platforms and POS systems.https://www.moolah.ccNational BankcardNational Bankcard provides its processing services on a month-to-month basis with no cancellation fee. You can choose either interchange-plus or tiered pricing, but you'll have to call for a quote since only its qualified rate for swipe debit cards is posted on its website. The company sells terminals, POS systems, and mobile card readers, and you can view pricing for these items online.http://www.nationalbankcard.comNational Merchants AssociationNational Merchants Association is a merchant services provider that offers in-store and online credit card processing to small businesses, including high-risk merchants. It has flat-rate pricing, integrates with QuickBooks and many shopping carts, and supports recurring billing.https://www.nationalmerchants.comNational ProcessingNational Processing offers credit card processing for retail, restaurant, and online businesses, as well as those that sell over the phone or by mail order. It has interchange-plus pricing and you can view its rates on its website. ACH and check processing services are also available.http://nationalprocessing.comNational Transaction Corporation (NTC)NTC lets you process credit cards, debit cards, EBT cards, online payments, electronic checks and gift cards using your own phone, tablet or computer. NTC works with businesses in a variety of industries, including travel agencies and healthcare businesses that process medical claims.http://www.nationaltransaction.comNationwide Merchant SolutionsNationwide Merchant Solutions has a roster of services to help you accept credit cards and grow your business. In addition to in-person, mobile and online credit-card processing, it also offers ACH and Level 3 processing. It advertises no contract and interchange-plus pricing, though its rates aren’t posted on its website.http://www.nationwidemerchantsolutions.comNewtekNewtek offers a full suite of processing services for retail, mobile and ecommerce businesses, allowing you to accept all major credit and debit cards as well as payments made using mobile wallets like Apple Pay. Newtek sells a variety of processing equipment and provides its customers with 24/7 support.https://www.newtekone.comNextPayNextPay is a full-featured online credit-card-processing company that works with international businesses as well as those in some high-risk industries. Its features include email payments, subscription billing, multi-currency processing, API integration and an advanced anti-fraud system. Mobile credit card processing is also available from this company.http://www.nextpay.comNorth American BancardNorth American Bancard is a large credit card processor that provides a complete range of solutions, including check acceptance and ATM service. The company claims to have the fastest approvals in the industry and some of the lowest rates, though only its qualified debit rate is displayed on its website. Month-to-month terms are available to most merchants.http://www.northamericanbancard.comPayAnywherePayAnywhere, the mobile credit card processing arm of North American Bancard, offers two plans. The Mobile plan has flat-rate pricing, pay-as-you-go terms and no monthly fee or minimum. The Storefront plan is for businesses processing more than $5,000 per month. It has tiered pricing, which you can view on the company's website, plus a monthly fee. Card readers are available, including a Bluetooth option.https://www.payanywhere.comPayJunctionPayJunction provides its customers with interchange-plus pricing, and established merchants can submit billing statements to qualify for a rate match. It doesn't charge any PCI compliance, gateway, annual or exit fees, and it only charges a monthly fee if you process less than $10,000 per month. It connects with third-party applications and has an API for custom integrations.https://www.payjunction.comPayLeapAcquired by First Data in 2017, PayLeap is a mobile and online credit card processing service designed specifically for small businesses and online stores. PayLeap integrates with many shopping carts and social media sites, and your developers can use its APIs and SDKs to completely customize the service and software to suit your business's exact needs.http://www.payleap.comPayPal Credit Card ProcessingPayPal lets businesses of all sizes, including startups and microbusinesses, accept credit cards with minimal application requirements. It's affordable, has transparent pricing and terms, and is easy to use for both in-person and online transactions. It also integrates with many POS systems and shopping carts.https://www.paypal.comPayaPaya, known as Sage Payment Solutions before its acquisition by private equity firm GTCR, is a credit card processing company that you can use to accept debit and credit cards, mobile and online payments, and electronic checks or ACH. It has more than 300 integrations, allowing you to connect it to your shopping cart, POS system, and other business software.https://paya.comPayFrogPayFrog, which has been in the industry since 2010, has merchant services that include recurring billing, a simple shopping cart feature and emailed receipts.https://www.merchantcardservicespro.comPayment DepotLike other top processing companies, Payment Depot uses interchange-plus pricing, but it's membership-based, so there's no percentage markup, just a per-transaction fee, and a monthly membership fee. Multiple plans are available, based on your processing volume. There's no annual PCI compliance fee, and no cancellation fee if you decide to close your account.https://paymentdepot.compayment portalpayment portal offers a diverse portfolio of payment options. From mobile credit card processing options to POS systems to credit card processors designed for brick and mortar stores, PaymentPortal offers an option for nearly every type of business.https://paymentportal.usPaySafePaysafe is a global payments company that recently acquired iPayment. It provides in-store, mobile and online credit card processing, and works with merchants as well as with platforms and ISO partners that resell its services. Other Paysafe brands include Skrill, Neteller, Golo, and IncomeAccess.https://www.paysafe.comPaySimplePaySimple lets you accept payments online, in person and on the go. You can create and email invoices, and your customers can use the click-to-pay buttons to remit payments online. PaySimple supports recurring billing, can be set up to automatically email payment reminders and has a dashboard that tracks your accounts receivables.http://paysimple.comPineapple PaymentsPineapple Payments is a merchant services provider that offers omnichannel payment processing solutions to businesses of all sizes. It has an iPad POS system, integrations for all major shopping carts and EMV-capable mobile card readers. Its merchants can choose either interchange-plus or flat-rate pricing.http://pineapplepayments.comPlanet PaymentPlanet Payment provides domestic and international payment processing to merchants that accept payments in person and online, as well as to banks and payment service providers. In addition to its multicurrency processing services, it offers a money-transfer platform, risk management, authorization, and capture services and other advanced solutions.https://www.planetpayment.comSecurionPaySecurionPay is an online payment platform that works with B2B, SaaS, e-commerce and some high-risk online businesses registered in 40 European countries. With it, you can accept online payments from your international customers in 160 currencies. It has flat-rate pricing and no monthly fees. It integrates with many e-commerce platforms and an API is available for custom integrations.https://securionpay.comSekure Merchant SolutionsSekure Merchant Solutions offers retail, online, mobile and MOTO (mail order, telephone order) credit card processing. It works with businesses in many industries, including retail, restaurant, petroleum, hospitality, service, and government. It advertises low rates, but you'll have to call for a quote, as it doesn't post them on its website.https://sekuremerchants.comShopify PaymentsBusinesses using the Shopify platform to sell products online can use Shopify Payments to accept credit and debit card payments. You can also use the service to accept payments via social media channels like Facebook and Pinterest, as well as in-person using a mobile card reader. It has competitive flat rates and month-to-month terms, and you avoid paying an extra fee for using an external payment gateway.https://www.shopify.comSignature Card ServicesSignature Card Services provides in-store, online and mobile credit card processing to businesses of all sizes. It can also handle multi-currency processing and alternative payments, which may be useful if you have international customers, and Level 3 transactions, which can reduce the cost of accepting payments from your B2B and government clients.http://www.signaturecard.comSum upThis mobile credit card processing company is already popular in Europe and recently opened a U.S. office to expand its services to businesses in this country. It has a low, flat rate, apps for iOS and Android devices and a Bluetooth card reader that accepts chip and magstripe cards as well as mobile wallets like Apple Pay and Google Pay.https://sumup.comTSYSTSYS is one of the country's leading payment processors, and it recently acquired Cayan (formerly Merchant Warehouse). It works directly with businesses of all sizes across many industries, including healthcare, as well as indirectly through merchant account providers. It has everything you need to process credit cards in-store, online and on the go.http://www.tsys.comThe Transaction GroupThe Transaction Group specializes in providing merchant account services to international and high-risk businesses, including legal marijuana dispensaries and vape shops. It also serves low-risk businesses. Its merchants can accept all major credit and debit cards in-store, online, over the phone or mail order, and on the go. E-check processing is also available.https://thetransactiongroup.comTidal CommerceTidal Commerce, formerly known as Premier Payment Systems, provides credit card processing services to businesses of all sizes, across many industries, including retail, restaurant, healthcare, B2B and professional services. It offers its merchants the choice of simplified tiered or interchange-plus pricing, and you can view its rates online. It doesn't charge setup or cancellation fees.https://tidalpay.comTotal Merchant ServicesTotal Merchant Services is a large credit card processing company that was recently acquired by North American Bancard Holdings. It offers a complete range of payment processing products and services to businesses in many industries, such as retail, food and beverage, beauty and fitness, healthcare and professional services. It advertises free product placement, fast deposits, and 24/7 customer support.http://totalmerchantservices.comTransNational PaymentsTransNational Payments provides interchange-plus pricing to all its merchants. It offers in-store, mobile, MOTO and online credit card processing services. It has Level 2 and Level 3 processing for companies that accept B2B payments and also supports recurring payments. An API is available to merchants that need custom integrations.https://gotnpayments.comTransparent Merchant ServicesTransparent Merchant Services claims it can slash up to 68 percent off your current processing fees. The company charges a flat, monthly fee plus a per-transaction fee over interchange, which may be a cost-effective pricing model for companies with large sales tickets. As with most processors, you pay an annual PCI compliance fee. There's no contract, and no cancellation or setup fees.http://www.trytransparent.comTSYSTSYS is one of the country's leading payment processors, and it recently acquired Cayan (formerly Merchant Warehouse). It works directly with businesses of all sizes across many industries, including healthcare, as well as indirectly through merchant account providers. It has everything you need to process credit cards in-store, online and on the go.https://www.tsys.comUpserveIf your restaurant uses Upserve's Breadcrumb POS, you can accept credit cards using Upserve Payments. With this credit card processing service, you can accept payments tableside or at a checkout station. You pay the interchange rate plus a per-transaction fee for each sale, and the monthly subscription fee for the POS software.https://upserve.comVelocity Merchant Services (VMS)VMS provides online, mobile and in-store processing solutions and processing equipment, including card readers, POS systems and cloud-based terminal options, it also offers merchant cash advances, loyalty programs and a website builder for your online store.http://getvms.comWorldpayWorldpay, Inc, formed after Vantiv acquired Worldpay, is one of the world's leading payment processors. It offers advanced omnichannel products and services to make credit card processing work even better for your business. These include developer resources to integrate Worldpay with apps your company already uses and value-added services like gift cards, loyalty programs, and working capital.https://www.worldpay.comSquareSquare is the best mobile credit card reader because it is easy to use, packed with features, and usable as an iPad or Android POS system.https://squareup.comStripeStripe is the best online credit card processor because it's easy to use and has transparent pricing, extra features, and custom options.https://stripe.comFirst DataFirst Data is the best credit card processor for businesses with lots of sales: It offers contract-free pricing tiers that can reduce costs.http://www.firstdata.comCard Z3NThe business offers a large number of services ranging from merchant services to HR services to consulting. Card Z3N's merchant services and credit card processing offerings are designed specifically with small businesses in mind.https://www.cardz3n.comElavon Credit Card ProcessingFormerly NOVA, Elavon is one of the largest credit card processors in the world. It works with businesses of all sizes, though its focus is small and midsize businesses. Its services include retail, mobile, and online credit card processing, and it posts its pricing online. Elavon can provide you with processing equipment as well.http://www.elavon.comHelcimHelcim is the best credit card processor for small businesses, with transparent, locked-in and affordable pricing. It also has numerous features and integrations that are helpful for small businesses.https://www.helcim.comPaylinePayline provides cost-effective credit card processing solutions with no lengthy contracts to businesses of all sizes. It has multiple plans, each featuring interchange-plus pricing with rates posted on its website. Custom solutions are also available. Payline offers in-store, online, mobile and ACH payment processing, as well as subscription billing services.https://paylinedata.comTouchSuiteTouchSuite offers multiple POS systems and business services. In addition to its TouchSuite Restaurant POS system, it resells Talech to quick-service restaurants, QuickBooks POS to large retailers, Clover to small and midsize retailers, Booker to salons and spas, and Payment Processing: Accept Payments Anywhere to e-commerce businesses. It also offers credit card processing and SEO, working capital and marketing solutions.https://touchsuite.comBluePay ProcessingBluePay Processing, recently acquired by First Data, offers all-in-one credit card processing solutions for a wide range of B2B and B2C merchants, including nonprofits. It offers omnichannel and Level 3 card processing, but it specializes in online transactions and integrates with more than 450 software platforms.http://www.bluepay.comPayPal Credit Card ProcessingPayPal lets businesses of all sizes, including startups and microbusinesses, accept credit cards with minimal application requirements. It's affordable, has transparent pricing and terms, and is easy to use for both in-person and online transactions. It also integrates with many POS systems and shopping carts.https://www.paypal.comPinpoint PaymentsPinpoint Payments offers merchant services and credit card processing services for businesses. The company has an A+ BBB rating and features an easy-to-use platform.https://pinpointpayments.comAlliedWalletAlliedWallet provides credit card processing and merchant services to its users. The business was founded in 2005 and offers features including an eWallet and user-friendly dashboards.https://www.alliedwallet.comAuricAuric aims to provide businesses with affordable credit card processing options. The business passes the credit card processing fee to consumers through a service charge, and the platform offers a discount when customers use cash.https://www.thinkauric.comEditor's note: Looking for a credit card processor for your business? If you're looking for information to help you choose the one that's right for you, use the questionnaire below to have our sister site, BuyerZone, provide you with information from a variety of vendors for free:Does your business currently accept credit cards?This is a lot of information, and I hope that you find the answers that you seek. Thanks for your question