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It won't make any difference whether you do your MS from US /CANADA,you will be having a global cv. Your ultimate objective is to settle in US/CANADA after MS. When you hv decided to settle in US /CANADA then you must also know the PROS and CONS of visa policies of both countries. The other aspects such as climate, economy & taxes, carrier opportunities, social security, legal rights, etc.should be secondary.I hv studied a lot about the immigration policies and its process. Infact i hv come across many students who hv gone for higher studies abroad attracted by glare of life style there without having and knowledge of immigration policy and at the end got disappointed when failed to get work visa and hv to come back to their own country.I hv collected facts about immigration policies in US /CANADA and compiled them in a manner so that one can get maximum benefit out of this, this is as follows ——————Canada is now emerging as one of the most favored destination for immigrants who are looking west words for permanent relocation seeking greener pastures. Even US citizen now seems to keen to relocating to Canada. Few Weeks back CIC website crashed when a large number of US citizens were checking the ways to Migrate to Canada. USA has been traditionally been a favorite and preferred destination for many .But recent happening ,even with US citizen are seeking Immigration to Canada makes one to think if Canada may soon overtake US in attracting Immigrants.Both Canada & USA acknowledge the fact their nations were built by Immigrants. But it is Canada who is more receptive and adopts them. The Canadian Immigration process is simpler and faster than that of US. It is transparent, smooth and uncomplicated. It is also economically beneficial and aimed at welcoming the immigrants as future citizens.American Green Card in generally takes a minimum of 7 to 10 years to achieve and probably another 7 years to become citizens. Whereas one can apply for Canadian Permanent Residency directly and can obtain it in less than a year .It would take another 3 years to become a Citizen.In a recent announcement CIC has announced that for 2016 and 2017, 305000 would be given Permanent Residency under its various Immigration programs under Economic, Family reunification, Humanitarian streams etc.Professionals from across the board are eligible for Canadian Permanent Residency.**The stringent US Immigration system makes more and more of illegal immigrants. Many of the people from Afro Asian Nations who are feeling their countries fearing persecution are branded as illegal immigrants when they landed in USA. Their presence is resented and is shunned. In fact George Bush in the past and Donald Trump today have made it such a big political issue and are hostile ,which makes even American unsettled.But Canada responds in a humane manner and adopts them giving them a legal status. Recent Canadian adoption 25000 Syrian refugees in just over a few weeks demonstrate that Canada open heart treatment of Immigrants.The Philosophical Differences on Immigration Between Canada and the U.S:——Canada’s new immigration system reveals a different set of priorities—and a different way of thinking about immigration.As the United States grapples with the fate of millions of undocumented immigrants following this week’s Supreme Court decision, Canada is making an aggressive push to attract the best and brightest workers from across the globe. It’s been more than a year since Canada launched Express Entry(2015), a tool that makes it easier for potential immigrants to receive permanent residency, and marks a sharpening contrast in immigration policy between the United States and its neighbour to the north.The best way to describe Canada’s new application system for skilled immigrants is to compare it to online dating. Foreigners around the world who want to emigrate to Canada fill out online profiles with their age, resume, language skills, education, and much more.Federal workers then peruse their profiles, which are ranked based on the applicant’s chance of economic success and integration. Though it doesn’t use a matchmaking algorithm, the system does award the most points to those it considers the best candidates. People get points if they already have a job offer. They can also rack up points depending on how well they speak English and French, whether or not they are young, and whether or not they have work experience in a high-demand field.Potential immigrants with high rankings are invited to apply for permanent residency. No quotas, no caps, just the federal government skimming off the top every two-to-three weeks. People without enough points to make it to the top of the candidate pool can stay in the database for a year, and employers searching for foreign talent can find them, knowing that they have already been pre-screened by the federal government and therefore can likely have them start working within six months.This is Canada’s new Express Entry system, and, of course, it is more complex than an online matchmaking website. Not just anyone can make it into the pool of eligible immigrants. Anyone who wants to apply for permanent residency must have a basic grasp of English or French and have work experience.The Express Entry system, which was launched in January 2015, has been described as “revolutionary” and the most “fundamental reform” to Canada’s immigration system in decades.In Canada, the federal government and the provinces and territories share jurisdiction over the selection of immigrants. Provinces and territories can create and tailor Provincial Nominee Programs (PNPs) that allow them to nominate individuals who are deemed likely to contribute positively to the community, both socially and economically. The federal government then attends to health and security matters before issuing the permanent resident visa. The PNPs are a dynamic set of programs that fast-track the entrance of newcomers who arrive in their new homes knowing that the region in which they are settling wants them there. Indeed, these newcomers are actively pursued by the provincial governments.The 50 U.S. state governments do not benefit from such a de-centralized system, however, with immigration jurisdiction remaining exclusively with the U.S. federal government.post-graduation work and immigration options for international students in the U.S. remain scant to this day, with many graduates effectively forced to leave the country soon after graduation. These individuals take with them their ideas, creativity and know-how and use it elsewhere — very often in Canada. In turn, the U.S. loses out on a potentially high-earning tax base.In contrast, Canada offers its cohort of international students something that is not available, or more difficult to obtain, in other countries — a post-graduation work permit for up to three years. International students who go down this route also benefit from permanent immigration options, including the Canadian Experience Class and the Quebec Experience Class. All of this allows Canada to retain top talent.A Green Card grants the holder the permission to enter and live in the United States. In contrast, Canadian permanent resident status grants an individual the right to enter and live in Canada. Having permission and having the right are two distinct claims. A right is something more — it is a legal entitlement, inherent to the holder. Permanent residents of the United States must be in possession of their U.S Green Cards at all times and must be prepared to show them to U.S. authorities upon request. Canada permanent residents have no such obligation. Not only do they not have to carry around their Canada Permanent Resident Card, they are not even required to apply for the card. Though useful to have, a Canada Permanent Resident Card is purely voluntary.Over the past few years, many American lawmakers have tended to view immigration through the lens of security issues or national sovereignty, rather than as an opportunity to add dynamism and flexibility to the labour market, The popular image of energetic immigrants arriving on American shores and ‘making it’ through hard work and bright ideas is redundant if the system there won’t allow for it.“On the other hand, Canada accepts more immigrants per capita than any other country in the Americas. And these people succeed and prosper. They provide for their families, open businesses and create opportunities for others. nearly half of all millionaires in Canada are immigrants or second-generation residents, compared to just one-third in America. While in the United States people have been busy pursuing happiness, most of their counterparts in Canada have been busy living it. With a wide range of immigration options, it is the true land of opportunity in North America.”Canada knows how to run its economy.Its corporate tax rate, at 15%, is less than half the U.S. rate. Its debt is 35% of GDP, instead of the U.S. rate of 73%. But where Canada really shines in comparison to the United States is in its immigration policy.Consider the simplicity of the Canadian immigration system. To enter Canada through its federal skilled worker program, applicants are ranked on a points system. One hundred points are possible, and 67 are required to get an entry visa. Included are English and French language skills (28 possible points), education (25 points), experience (15 points), adaptability (10 points), age (12 points), and job offers (10 points).In contrast, U.S. H-1B temporary visas for new skilled immigrant workers, limited at 85,000 annually, do not meet demand. Acquiring permanent residency (a “green card”) is a lengthy and potentially costly process. Talented immigrants, such as the 51% of engineering doctorate earners and the 41% of physical sciences doctorate earners who are foreign-born, are frequently forced to leave the United States.U.S. employers have to prove that there is no one in the entire country with the same skills to do the given job, and they have no choice but to have that person from abroad hired.The Canadian government charges a fee of approximately $2,900 for two people. But this leads to a permanent immigration visa, whereas in the United States an H1-B visa is a three-year temporary visa.Furthermore, in the United States a spouse of an H1-B visa holder does not have the right to work. This limits family budgets and leaves the employed family member in a weaker position when it comes to negotiating salary increases. The non-working spouse has nothing to do all day. In Canada, there is no limit on the right to work for both spouses in the Canadian skilled migrants program.PS: you r advised to be in touch with the current visa policy and amendments taking place in every 6 months .Since economy of US /CANADA has recently gone through a slow down face thus no one can forecast about the economy growth of any country precisely. Hence there will always be a risk of getting HIB /PR /green card and also with fast changing economic scenario getting a dream job can not be GUARANTEED.Atlast i would say keep all the facts in mind and accordingly arrived at a conclusion.EVERY THING THAT SHINES IS NOT GOLD.

Hi, I am presenting here my EPFO interview experience Hope it would be helpful to some extentMy Interview with Madam Alka Sirohi(Former chairperson, UPSC) Board at UPSC campus,New DelhiFor the post of Enforcement Officer in Employee Provident Fund Organisation, 2017A Detailed Transcription:-Tried to recollect the best of my memory yet I assure that this is not the exact version of what had happened in the interaction between a group of 5 people(including myself) for about half an hour, but of course its common sense that things differ in theory and practice as it is subjected to numerous factors both known and unknown. And there are always better responses for every trigger. But the more important thing is how do you showcase yourself in that vibrant situation.With this disclaimer, I would like to begin my narrative right from the entrance of UPSC campus on the 19th of September 2017,when my reporting time for the interview was scheduled to be at 12.00 Noon .I reached the campus an hour before and was told to wait in an open hall in the other side till the clock struck twelve noon. At the entrance identity check was made with the call letter and a valid ID card. Since I had not taken the e-mail version of my call letter I had to wait for few minutes for the go ahead command while the candidates at my back got in. I walked in ,to the left of Gate 1 towards the building which I was told as the common place for interviews of all kinds of examinations/recruitments being conducted by UPSC.The entrance door was too heavy for an ordinary person to push and move in. Somehow with all my might I pushed the door back and got inside. The members in the reception hall spoke more Hindi and less English , however they took every effort to communicate themselves clear. At the reception desk I was asked to handover my mobile phone and any other electronic devices I had with me . Though I gave my phone I forgot about my pendrive that I usually have in my purse, but the security woman was clever enough to scan it off. After surrendering all those gadgets I was alloted table number 1 (T 1) meant for a particular board which was not yet disclosed.Right in the reception there were three round setups with a teefa at the centre surrounded by some 6-7 chairs . The other candidates of my table had already occupied their seats . The girl from Jharkhand who gave me company in the waiting hall sat besides me . She wore salwaar kameez and seemed to be not much bothered about the established custom of wearing a stiff saree (ofcourse I wore a green silk cotten saree). Gentlemen came in suits with neatly tucked in shirts ,blazers on and tie around their necks.By the time the originals and the required self attested photo copies were collected by a staff member in our table I got my call for the interview with the Alka Sirohi Board though my session was supposed to be after lunch.There were no formal announcements about the composition of the board, however I came to know about the chairperson from the conversation between the security personnel and the staff member who came out to call me. Another one candidate was also sent with me to the first floor where the interview rooms were lined up.I could not count on my time because I had to leave my watch in my bag though I felt incomplete without it(my fellow candidate who waited patiently for half an hour told me the duration later). For few seconds I sat outside and immediated told to enter the last room in the corridor where the clock was set in for the countdown. I was not as nervous as it is usually described for UPSC interviews and totally forgot the fact that there was a minor spelling mistake in my Online application form. Nevertheless,I felt confident throughout the process.The Chairperson of my board Smt. Alka Sirohi was the former chairperson of UPSC and a retired IAS officer of Madhya Pradesh Cadre. Though she is not in the list of members of the UPSC she was present in my interview board . Inspite of keeping a grim face she appears to be attentive, showing mixed signals at the same time.Opening the door to see two lady members facing towards me to my left, guessing the centre seated might be Smt.Alka Sirohi and unaware about the identity of the other lady member, I took permission to get in ,wished them good afternoon(lady members followed by the gentlemen over there) and took my seat after they wished me back and told me to be seated. The panel was seated in a circular arrangement with a male member very close to my left hand. They were enthusiatic in their voice that gave me a good start over.Questions began to flow almost like a rapid fire starting with the Chairperson.Me: Good Afternoon madam(to the centre and bowed at the other)Good Afternoon sir (and bowed at the other)Chairperson(CH-Alka Sirohi maa'm):- Good Afternoon Diana, Please take your seat(with a cheerful voice)CH:- What are you doing right now diana?Me:- Maa'm ,Currently I am preparing for the main examination for Civil ServicesCH:- What is your Subject?Me:- In graduation?CH:- In Civil ServicesMe:- Public Administration Maa'mCH:- (Straight into the Subject)Diana, tell us why do we have so many labour laws?Me: Maa'm I dont get you properly(She repeats until I acknowledged my understanding of the question. The problem was a bit difference in North and South versions of English Pronunciation, But I never minded to let them repeat till I got the questions right,huh!!)Me:-Maa'm ,Currently we have some 44 labour laws which are complicated leading to misinterpretation, so we are trying to consolidate it into four labour codes...CH:-(interrupting) Tell me why do we have so many specific laws ?Me:-Maa'm About 93% of the total labour force of our country are in the unorganized sector. Inorder to address their welfare in particular we have over a period of time accumulated so many labour laws.CH:- So what are the four labour codes?Me:- Maa'm, Social Security then , Can i take a guess? (Now this being a factual question i cannot beat around the bush ,so i decided to take a guess but with permission)CH:- No , Take a guess? huh ,tell what is there actuallyMe:- Sorry maa'm I have not read about itCH:- Ok,Have you heard of Conditional cash transfer?Me:-Is it something related to Universal basic Income?( I dont know whether it was appropriate to question back but thats what I did)CH:-yeeaas..Me:- Like Universal basic income is about unconditional cash transfer!!!CH:- So there are so many countries in the world particularly South American that provide conditional cash transfers, Do you think Universal Basic income will work in India because dont you think if we provide money without any conditions people will become lazy?)Me:- Here her argument was already in the negative, but since the Government favours Universal basic Income and trying to bring it into implementation I did not want to oppose it and decided to give a balanced view)Maa'm yes, there are limitations but before it is being implemented we cannot come to any such conclusions. For that we could always try it on a pilot basis before making it universal in its coverageCH:- (No response for my reply) Give me a condition for conditional money transferMe:- We can ask them to do something worthwhile with their life( funny silly yes, but that was my instant reply)CH:- do what?Me:- Like Employed with something( Yaar, through UBI they are targeting only these kinds of vulnerable people who are unemployed and so on ,so how can we keep it as a condition, I bluffed there)CH:- We can keep a condition that their children must be sent to schoolMe:- Yes maa'm (Ofcourse a good answer if not a good idea I thought within)Then she relieved herself and signalled the first male member seated immediately to my left to take over)M1:- (Not in a fluent manner) You said that labour laws are for the unorganized sector when you spoke , what about the organized sector?Me:- Sir , I meant that they are particularly to address the welfare of the majority that are excluded but it includes organised sector as wellM1: What about the Organization you are trying to join whether it caters to the organized or unorganized?Me: Sir EPFO is meant for the organized sectorM1: Tell us about the OrganizationMe:- Employee Provident Fund Orgainzation is one of the largest social security Organization in the world that facilitates Provident fund, Pension Fund and Insurance Fund.....M1: (Interrupting , as I poured out spontaneously what I had said to me several times back home)OK, What are the Schemes they are providing?Me: Employee Provident Fund Scheme 1952, based on the Employee Provident Fund and Miscellaneous Provisions Act, 1952, Insurance Scheme 1976(While answering this I checked on Alka Maa'm and the other lady member, Alka Maa'm nodded but the other lady member looked grumpy , probably because i had forgotten to acknowlegde her as she was sitting on the other side that I had to make a turn around to look at her, but i ignored )M1: Why do we have an insurance scheme here when we have Life Insurance Corporation of India for Life InsuranceMe:- Sir, both are parallel schemes meant to have a wide coverageM1:-What is the worth of EPFOMe:- Sir, I read somewhere that it was about 7.85 lakh crore( But actually I had read from wikipedia that the total assets under management are more than ₹8.5 lakh crore as of March 2016, but slipped a bit)M1: Is there any organised sector industry exempted from the provident fund?Me:- Those employing less than 20 employeesM1:- No, not about the number but the particular sectorMe:- Sir, IT sector!!M1:- Any other?Me:- Sir, when Provident fund was introduced six sectors were covered but i dont remember which one is completely excludedM1:-When did the act come to force?Me:-It was enacted in 1952, probably came to force the next year(he look surprised as if I was talking something absurd!!)(Then the topic changed from Labour issues to general)M1:- Have you heard of Vishakha Guidelines. What is its status now?Me:- Its Related to sexual violence simillar to Nirbhaya case(Alka Maa'm interrupts here to clarify that both the cases are different)Me:- (I got clarification instantly) Yes maa'm Vishaka guidelines are a result of a supreme court judgement addressing the harassment of women at work placeM1:- What is its status , has it become an act or remain as guidelinesMe:- Sir , It has become an act in 2013M1:- What is the act called?Me: Sir, It is Prevention of Sexual harrassment of women at work place Act, 2013M1:-It covers ,Me:- All employed women including domestic workersM1:- who else? Now imagine a situation where you are working in an organisation and your elder sister comes there to visit you and getting harrassed. Will this be addressed by this actMe:- No Sir, I dont think We have a provision for this case right nowM1:- You have not heard about it?!Me:- No Sir, I haven't.(Signalled to M2)(In the beginning itself I could not catch up with his questions, probably he was seated a bit far from me or wasn't articulate enough to put up the questions in a simpler form or I was dumb atleast)M2: (asked somthing about Public Administration because that is my optional for Civil Services)( I dont remember the first question even now after several repetitions, M1 repeated M2's question even then I dont remember what I replied for that)M2: You are a Public Administration student, Can you explain what is Delegated LegislationMe: Sir,Policy making is the domain of the Political executives. Due to the complexity of the law making process certain aspects of it is delegated to the permanent executives to frame laws on it which came to be known as delegated legislationM2: Is there a check on Administraters ,in Public Sector UndertakingsMe: (I dont know whether I answered for this question yet my reply was)Yes Sir, even in PSUs we have a board which comprises of the political executives who ultimately have a check on the administration powers( like in EPFO ,rates are fixed by the central board of trustees headed by the labour minister, but I didnot remember that then)M2: Ok, What are the challenges faced by Public Administration?Me: As an activity or a discipline?M2: As an activityMe: (Forgot how I responded for this)M2: Tell some of the constitutional provisions related to women and childrenMe:- Sir, Articles 23 and 24 talks about the prohibition of children in factories and mines and there is a DPSP article that says equal pay for equal workM2: (nodded)Any fundamental right for women?Me: We can tell the right to profession is fundamental to both men and women(blinking expression from me!!!)(Gives a tricky smile at my general statement)(Signalled to the next member)M3(lady member to my front right)M3:(with all smiles) Diana you seem to have graduated in Engineering but all of a sudden switched over to a social sector job, why is that?Me:-Maa'm soon after my graduation I tried for Civil Services but I couldnt clear my prelims twice, So I decided to get some groundlevel experience of a social sector project that would be helpful in my future career. Then Rajiv Awas Yojana came my wayM3: What did you do as a field worker?Me: Maa,m , my job was to collect socio-economic data of slums and assist in GIS mapping of slums.M3: You dont have any specific experience in the Accounts field. Can you tell us the account structure of the Government of India(She tried hard to convey this query to me).Me: Maa'm for any amount of money to be withdrawn from the exchequer it requires the approval of the ParliamentM3: What is that fund called?Me:- Consolidated Fund of IndiaM3: Good. What are the other funds?Me:- Contingency Fund of India and Public Accounts of IndiaM3:- What are the divisions in the Consolidated Fund of IndiaMe:-I am not able to recollect it now maa'm( Actually I was bit tired by then and did not want to continue with that topic and gave no thought about it literally, but she doesnt seem to move on)M3: They are called Revenue and Capital Accounts. What is the difference?Me: Revenue comprises short term and Capital the long termM3: Is there any limitations? What are in capital accountMe: Like Loans, Grants in aid(Then she left the topic and caught over with something else)M3: In the recent days there is some news regarding the revision of the limits for GratuityMe: Maa'm I have not read that but they are about to revise the minimum wages limit and bonus limit(M2 interrupts here and affirms that there was some news about gratuity, but unfortunately that escaped my eyes!!)M3:So Diana , If you are posted as an Enforcement officer and given with a mandate to link Aadhaar with EPF account, will you compel the people to do soMe:-Maa'm After this Supreme Court's Observation of Privacy as a Fundamental right ....M3:(interrupting) No, tell me whether you will force them to link the both as of now(smiles at the other members)Me:- Maa'm I can persuade people but I dont think that I can compel them to do so(The Chairperson took over)CH:-Diana recently Mr. Trump was there in the UN General Assembly meeting. He says that United Nations is failing. What is your opinion about that?Me:- What? falling?( huh!!)CH:- Failing ( By this time you would have understood how patient the board was with me, Its my privilege, but the marks who knows haha!!!)Me:- Maa'm , Can I take few moments to gather my thoughts?CH:- Sure, you can go aheadMe:-( I dont know whether I worked on my thoughts but took a deep breath within and replied)Maa'm when I started my preparation for civil services...CH:- (interrupts) I am not asking about your preparation..Me:- Maa'm I am trying to connect..(later I realized its better to hit the bull's eye straight rather than beating around the bush, So I dropped my idea of metaphorizing it and answered straight)Maa'm United Nations are doing great humanitarian works particularly in the war torn countries of the Middle east but as a political organisation I think it requires certain reforms to include emerging countries like IndiaCH:- What ?India is already a memberMe:- We have to become permanent Maa'm to get something substantial doneCH:- Permanent member of whatMe:- The UN Security CouncilCH:- Yes. How many members it has now?Me:- 15, 5 permanentCH:- which are the five permanent members?Me:-The US, the UK, France, China and Germany( I got then and there that there is a flaw in the fact but confused between France and Germany)CH:- What about Russia?Its not there?Me:- maa'm I dont think so(I understood that Russia is there but again confused about the odd man out- France or Germany , so i decided not to bluff and stick on to my stand)CH:-How many countries are there in the UN?Me:- 193 countries maa'mCH:-How many countries are there in the world?Me:- Some 200+ maa'm , I am not sureCH:- Name the countries outside UNMe:- I dont remember maa'm, may be North korea(I couldnt remember any other odd countries except North Korea)CH:- North Korea??!!CH:- Tell me diana, What is the objective of the United Nations?Me:- Maa'm after the world war II when the league of Nations failed to prevent the wars , a rejuvenated form of it emerged to maintain peace and serenity of the world as United Nations.CH:- Ok,Thank you DianaMe:- Thank you maa'm( bowed to others)By that time it should have been almost one in the afternoon and the male member next to me started sipping his tea.

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