Find Fair & Honest Credit Card Processors
We have analyzed hundreds of merchant services providers to help you avoid predatory practices and hidden fees.
Top Scoring of January
Based on our expert analysis
PaymentCloud
Our Research Methodology
We analyze payment processors using a comprehensive evaluation framework based on 20 years of experience in the payment processing industry.
Terms & Conditions
We review service agreements and equipment contracts for reasonability, transparency, and fairness. We focus on uncovering any predatory clauses, such as unjustified early termination fees, hidden costs, and unclear cancellation policies.
Sales Practices
We evaluate sales tactics, marketing materials, and client feedback to determine the level of transparency and ethical nature of the provider's marketing strategy and sales tactics.
User Experience
We comb the internet and interview current and former clients to evaluate the overall user experience and identify any common pain points that may impact the user experience.
Rates & Fees
We analyze all costs including rate structures (interchange-plus, tiered, flat-rate, etc), monthly fees, equipment costs, early termination fees, and hidden charges. This data is gathered from service agreements, statements and client feedback.
Technology
We review POS systems, e-commerce integrations, mobile capabilities, reporting tools, recurring billing, and developer resources. When possible, we directly test services and hardware. Otherwise, we rely on client feedback and public information.
Customer Support
We evaluate customer support through multiple channels (phone, email, chat) at different times to assess response times and expertise. We also consider the availability of support during off-hours and holidays.
