Top 3 Merchant Accounts for Small Businesses - 2025
Below are four reputable merchant account providers. Compare them to find the right fit for your business.
Updated: August 10th
#1
- Pricing with no hidden fees
- Customizable payment tools
- Great reporting and analytics
- Some limited international markets
- Service: Great
- Price : Cheapest
#2
- Potentially the lowest effective rate
- Simple and transparent rates
- Offers gateway integrations
- Not recomended for low-volumes
- Service: Great
- Price: Excellent
#3
- Very transparent fees and rates
- Discounted rates for nonprofits
- No long term contracts
- Requires separate gateway fees
- Service: Exceptional
- Price: Competitive
Frequently Asked Questions
Many providers offer interchange-plus or membership-based models with monthly fees. Always check for extra charges like gateway, PCI compliance, or statement fees.
It depends on your existing setup, but most providers now offer user-friendly dashboards, direct integrations, and helpful onboarding support to get you started quickly.
Look at your average monthly processing volume, transaction types (online or in-person), and contract terms. Compare pricing structures, feature sets, and customer support to find the best match.
Switching is usually straightforward if you plan ahead. Transfer data, test the new system, and time your transition so you minimize service interruptions.
Better Payment Processing for Your Small Businesses
Compare, Choose, and Save on Money
#1
Helcim
#2
Payment Depot
Payment Depot offers a unique membership approach that can save money for high-volume merchants and also sometimes even on significant fees over time.
Recommended Choice:
#1
- Pricing with no hidden fees
- Customizable payment tools
- Great reporting and analytics
- Experience reduced processing costs and a smoother payment experience overall
- Service: Great
- Price: Cheapest
Want a Better Deal Today?
We’ll find for you a better deal on payment processing guaranteed!
By clicking continue, you agree to our Terms of Use and our Privacy Policy. You also consent that we, or our partner will reach out to you using auto-dial.
