Best Bar Merchant Accounts

What to Know Before Getting Started

Bars, pubs, and nightclubs are some of the most active points of sale in the credit card processing industry. Busy shifts usually involve a combination of high transaction volumes and low average tickets, which can be very costly for bartenders who are on unfavorable pricing plans. In addition, the frantic nightclub payment environment demands a point-of-sale system that can track tabs, accept payments quickly, and foster repeat business through a loyalty program. Many of these systems may seem prohibitively expensive, but there are still a number of business solutions that can help your bar process payments efficiently, securely, and at a reasonable cost.

To help you find these services, we’ve compiled the following list of the best merchant accounts for bars. These credit card processors offer low-cost payment processing, highly rated customer service, and a wide range of POS solutions that can keep your location operating smoothly. Even more important, though, is the fact that they have all received consistently positive reviews from merchants and third-party reviewers. Each provider will offer a different combination of savings and features, so it’s best to contact multiple companies from this list to secure the lowest prices and most useful services.

Our unbiased articles are supported in part by helping you find highly reviewed merchant accounts. You can learn more here.

Why These Merchant Account Providers


Active since early 2014, Fattmerchant is a merchant account provider leading the industry’s move toward flat-rate, subscription-style pricing. The company’s products and services include EMV-compatible countertop terminals, a virtual terminal, an online payment gateway, an online shopping cart, mobile phone processing, QuickBooks integration, online invoicing, and recurring billing. Fattmerchant is capable of serving all standard-risk tanning salons and offers a comprehensive dashboard for tracking all payments and customers.

Fattmerchant offers multiple pricing plans with different rates. Merchants can select either a plan that charges a flat fee on all transactions or a plan that charges a fixed monthly fee plus a fixed per-transaction dollar amount above interchange. In other words, merchants can choose whether or not they are charged a percentage markup on each transaction. Fattmerchant currently has an “A” rating on CPO and an “A+” rating with the Better Business Bureau.

For more information, visit the Fattmerchant website, or call (866) 397-9826.


Founded in 2007, SalesVu is an Austin, Texas-based software provider that has partnered with Mercury Payment Systems and Century Payments to offer a full POS system for iPad and iPhone. SalesVu’s free POS app comes with a free card reader and allows for Quickbooks integration, end-of-shift reports, social media promotion, labor tracking, recurring billing, barcode scanning, automated discounts, tip adjusting, split checks, and invoicing. The company’s service also comes with a free, customizable e-commerce website and telephone support. Merchants can either open a new merchant account with unique pricing through Mercury or Century or receive a match with their existing rates through SalesVu.

SalesVu currently receives an “A+” from, and although the company does not have a Better Business Bureau profile at this time, the BBB profile for Mercury Payment Systems is showing an “A+” rating.

For more information, see the SalesVu Website.

CDG Commerce

Located in Chesapeake, Virginia, CDG Commerce is another great option for bars of all sizes and types. CDG has been privately owned since 1998 and offers a proprietary payment gateway (as well as a discount on Authorize.Net’s payment gateway), a virtual terminal, QuickBooks integration, mobile phone processing, security breach protection, and vulnerability scanning. CDG Commerce is ideal for bars that would like a simple, low-cost, fully integrated method for accepting payments online or in person.

CDG Commerce only charges a low, fixed fee per transaction and offers competitive contractual terms, including no annual fees, monthly minimums, or termination fees. CDG also offers next day funding to most business types. CDG has earned an “A+” rating in our review as well as an “A+” rating with the BBB.

For more information, see the CDG Commerce website or call (888) 393-1079.

Our unbiased articles are supported in part by helping you find highly reviewed merchant accounts. You can learn more here.

Why These Merchant Account Providers

Other Merchant Account Options

The providers in this section may not have been researched as thoroughly or may lack a quality that prevented them from being listed above. We have listed them here to provide a broader view of potential merchant account options. Are you a decision maker with your company and believe that you should be listed below? Tell us here.

Payline Data

Payline Data is a rapidly growing all-purpose merchant account provider headquartered in Chicago, Illinois. Founded in 2009, the company is capable of serving bars of all sizes and needs with a service suite that includes tablet-based and conventional POS equipment, ATM placement, online sales reporting, inventory tracking, and custom loyalty programs.

Payline Data offers interchange-plus pricing to all of its merchants with no long-term contracts or early termination fees, and this pricing structure has resulted in a steady stream of positive merchant reviews for the company. Additionally, Payline’s sales and support teams regularly receive praise from business owners. Our review of Payline Data gives the company an “A+” rating at this time, while the BBB gives Payline an “A” rating.

Dharma Merchant Services

Based in San Francisco, Dharma Merchant Services is one of the highest-rated providers in the industry and is an excellent processor for bars and restaurants. Dharma offers interchange-plus pricing with no early termination fees, annual fees, or monthly minimum fees, and it has consistently received positive testimonials from merchants since we first reviewed it in 2012.

To serve merchants in the food service industry, Dharma is partnered with ShopKeep POS, a cloud-based iPad point-of-sale system that currently has an “A” rating on ShopKeep’s features include real-time inventory tracking (down to the individual components of each cocktail), order notes, check splitting, employee management, customer relationship management, QuickBooks integration, and detailed sales reporting for $49 per month with no long-term contract.

By combining a Dharma Merchant Services merchant account with a ShopKeep point-of-sale system, you can enjoy excellent customer service and powerful point-of-sale features at a very low overall cost. Our review of Dharma currently awards the company an “A+” rating, and the Better Business Bureau also assigns Dharma an “A+.”

For more information, see the Dharma Merchant Services Website or call (888) 404-1237.

If your business specializes in payment processing solutions for bars, pubs, or nightclubs, please leave a comment in the comment section below or contact us through our contact page in order to get listed in this article.

Thank you for reading my review. I hope that it has helped you with your research.

Why I'm Qualified to Write About Credit Card Processing

I'm a former credit card processing sales director who left the industry to start my own a small business. From the time that I starting working in the merchant services industry to when I left to write about it, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this insider knowledge to myself, so built this website to help small business owners research which service providers to use and how to save money on rates and fees. I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers here. I can help you save money with your current merchant account or help you find a new one. Message me here to get started.

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