What is the best credit card
processing for a small business?

What is the best credit card processing for a small business?

The best credit card processing option for your small business depends on factors like transaction volume, average ticket size, and whether you want to avoid processing fees. Here are some of the top options:

  1. Best for Zero-Fee Processing
    • Fees No More – Helps small businesses eliminate credit card processing fees through cash discount or surcharge programs. If you’re looking to avoid paying fees legally, this is an ideal option.
  2. Best for Low Fees & Transparent Pricing
    • Square – Great for startups and mobile businesses. No monthly fees, but charges 2.6% + 10¢ per transaction (higher for keyed-in payments).
    • Helcim – Offers interchange-plus pricing (cheaper for higher volumes) with no monthly fees. Good for businesses processing over $5K/month.
  3. Best for High Sales Volume
    • Payment Depot – Subscription-based model with wholesale interchange rates. Best for businesses processing over $10K/month.
    • Stax (formerly Fattmerchant) – Flat monthly fee with zero markup on interchange—ideal for businesses processing over $20K/month.
  4. Best for Retail & Restaurants
    • Toast (for restaurants) – Industry-specific features like order management and customer loyalty programs.
    • Shopify Payments (for online stores) – Seamless integration with Shopify; no extra transaction fees if using their payment processor.

Would you like a recommendation tailored to your business type and needs?

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