About CPO & Phillip Parker

CardPaymentOptions.com (CPO) is a website created by Phillip Parker, a business consultant, payment processing expert, and web developer. His aim with CPO is to help business owners by raising awareness of how credit card processing works and to hold service providers accountable for the way they conduct their card processing businesses. He started this website in 2009 after discovering that merchant services companies often market and operate in ways that he found to be unethical and needlessly complicated. Since embarking on this mission, he has researched and published over 1,000 reviews of credit card processing companies, as well as hundreds of educational articles regarding nearly every facet of accepting card payments as a small business.

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Business and Payments Consulting Services

Optimize your payment processing operations with expert guidance. Expand the following for more information:


Schedule a call with Phillip to get answers to your payment processing questions. Please note that Phillip’s expertise focuses on merchant services within the U.S.


Credit card processing costs are complex and often difficult to understand. Hire Phillip to help you optimize your processing costs to the lowest possible rates without changing your switching processors, trading out payment acceptance equipment, or modifying your processes.


Starting a new business or ready to find a new processor? Selecting the right provider is a crucial component of running successful business. Check out Phillip’s processor picks see which companies offer the best services at the lowest costs or schedule a call today to learn how to get custom recommendations for you payment needs.

Resources For Merchant Account Providers

We understand the importance of fair and balanced reporting. If you are with a merchant services company, please see the resources below.

It is important to us that our reviews are as accurate and up-date as possible. If you feel that there is a factual inaccuracy in our review of you company, you can request a correction here.

Is your review garnering complaints from current or former clients of your services? Join our mediation program for an opportunity to resolve customer complaints and potentially improve your rating on CPO.

Would you like to add your own perspective to the content of our review about your company? We can highlight your response to any section of our research. Learn how today.


If we have awarded your company a four or five star rating, you may qualify to have ads and competitor recommendations from your review. Additionally, we will encourage readers navigate to your website throughout the review. Get started now.

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Contact Us

We welcome your questions and feedback. Please see our contact page for details.

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