Best Merchant Accounts for Customer Service (2023)

customer service person

Customer service is one of the most important factors to consider when selecting a credit card processor. You can have the lowest rates but still want to pull your hair out because of unreliable customer support from you merchant account. By that same token, a less flashy or more expensive payment processor can make up for its shortcomings by providing friendly, proactive service to merchants. If you've been burned by a bad processor before, then you've probably decided that quality customer support is a top priority in your next processor.

How to Select a Processor with Great Customer Service

While great customer support is important, there are other factors to consider when selecting a credit card processor. Here are some additional factors to consider:

Additional Factors

  • Fees and Pricing: Credit card processing fees can vary significantly between different providers. Look for a processor that offers transparent pricing and a fee structure that aligns with your business needs. We recommend choosing a credit card processor that offers Interchange-plus pricing like the top pick below.
  • Security and Compliance: Make sure the processor you select is PCI-compliant and adheres to industry standards for data security. This is especially important if you handle sensitive customer information.
  • Payment Types: Consider what types of payment methods you want to accept, such as debit cards, credit cards, mobile payments, and online payments. Make sure the processor you choose supports the payment methods you need.
  • Integration with Other Systems: If you use other business software, such as accounting or inventory management tools, consider whether the credit card processor integrates with those systems.
  • Ease of Use: Look for a credit card processor that is easy to set up and use. A complicated or confusing system can cause frustration for you and your customers.
  • Reputation and Reliability: Look for a credit card processor with a solid reputation and a track record of reliability. You want to work with a provider that you can trust to handle your transactions smoothly and efficiently.

To help you in your search, we've compiled the following list of the best merchant account providers for great customer service. The providers on this list have gone above and beyond the industry standard by offering reliable phone and email support lines and proactively responding to customer complaints. They've also received multiple verified positive testimonials from their merchants, which is a true rarity in payment processing. Be sure to compare processors in this list to find the one that is the best fit for your business type.

Here Are the Best Rated Merchant Accounts for Customer Support

helcim logo

#1 Helcim

Best for Reliable and Dependable Customer Service

Helcim is an excellent credit card processor for businesses that prioritize excellent customer support. With a dedicated customer support team that is available 24/7, customer reviews of Helcim state that they receive prompt and personalized assistance whenever they need it. Helcim's customer support team has demonstrated that it is highly knowledgeable and is committed to providing fast and effective resolutions. We also haven't located any Helcim reviews that indicate any issues with the company's customer service.

In addition to its exceptional customer support, Helcim offers a variety of features and benefits that make it an attractive option for businesses of all sizes. The company offers transparent, competitive Interchange-plus pricing, with no hidden fees or long-term contracts. This means that clients can easily understand and predict their costs, without worrying about unexpected fees or charges.

Helcim also prioritizes security and compliance, ensuring that its merchants' data is protected and their transactions are secure. This processor is fully PCI-compliant and uses advanced security measures to safeguard its clients' information. This provides peace of mind to business owners, knowing that their customers' data is safe and that they are not at risk of fraud or security breaches that could result in hefty fines.

Helcim offers a user-friendly and intuitive platform that makes it easy for merchants to manage their transactions and monitor their sales. The company's platform is designed to be accessible and easy to use, with a variety of features and tools that allow merchants to customize their payment processing experience to their unique needs.

Overall, Helcim is an excellent credit card processor for businesses that prioritize excellent customer support, transparency, security, and ease of use. With its exceptional customer support, competitive pricing, and advanced security features, Helcim is a reliable and trustworthy partner for any business looking to accept credit card payments.

Learn More About Helcim

Host Merchant Services logo

Host Merchant Services

Top-Rated for Customer Support

Host Merchant Services is a Newark, Delaware-based merchant account provider that is well-suited for most general business types and some high risk merchants. The company's products and services include point-of-sale solutions (with specific packages for the restaurant, salon, professional service, and contractor sectors), online marketing tools, an online payment gateway and virtual terminal, mobile credit card processing, gift and loyalty programs, merchant cash advance, and offshore merchant accounts. Host Merchant Services offers 24/7/365 phone, email, and live chat support to all of its merchants.

Host Merchant Services Verified Customer Service Testimonials

I have been using Host Merchant Services at my restaurant for 2 years. The customer support is outstanding and I would highly recommend them to any business.

-Michael Cardascia, on our Host Merchant Services review

I have worked with HMS for a few years now and they have been not only responsive, but they connect with clients on a personal level. Rates are better than any other option we can offer our clients and the application process is painless and fast! Thanks HMS!

-Mike S., on our Host Merchant Services review

We have have switched our Church to this Merchant Provider and have found their fees, service and courtesy to be exemplary at every level.
Trustee & IT Manager, P.O.M.O G. Orthodox Church

-Clyde Washburn, on our Host Merchant Services review

Host Merchant Services has received overwhelmingly positive feedback on public forums, with most reviewers singling out the company's customer service for praise. Host offers interchange-plus pricing with no early termination fees to all of its merchants, meaning that users will enjoy the most transparent pricing model and can cancel service without penalty. The BBB gives Host an “A+” rating, and CPO also gives the company an “A+.”

For more information, visit the Host Merchant Services website or call (888) 727-4538.

PaymentCloud Logo


Assigns You a Dedicated Account Rep

Based in Woodland Hills, California, PaymentCloud is a merchant account provider that specializes in serving standard to high risk business types. The company's products and services include point-of-sale solutions, mobile phone swipers, an online payment gateway and virtual terminal, EMV-compatible terminals, and merchant cash advances. PaymentCloud also offers a dedicated email address and 24/7 phone support for its clients.

PaymentCloud Verified Customer Service Testimonials

I wanted to give a shout out to Brent Bunting for giving superb customer service! He was always very kind and professional. Brent would answer our questions and if he did know the answer he would research and find out the answer instead of just “saying I can’t help you”, like most people do. He always took the extra step to help. I am a dentist and I owned my practice and I wish I would have had an employee like Brent. I would have had the confidence that things were getting done correctly and efficiently. I really appreciate all of Brent’s efforts and wish him the best of luck in his future endeavors. Keep him around………..he is a great employee!!

-Joni Avery, on our PaymentCloud review

PaymentCloud provides a dedicated account rep to all new merchants for the life of the account. The company has not received any negative complaints on consumer forums, and it customizes its pricing according to each merchant's business type and processing history. The BBB does not maintain a profile for PaymentCloud at this time, but CPO gives the company an “A.”

For more information, visit the PaymentCloud website or call (888) 506-7859.

Learn More About PaymentCloud

Final Thoughts

Selecting a merchant account provider with great customer service is critical for the success of any business that accepts credit card payments. Great customer service ensures that any issues or concerns are addressed promptly and effectively, minimizing the impact on your operations and reputation. A processor with excellent customer service also helps you feel supported and valued, increasing your satisfaction and peace of mind. This is especially important in today's highly competitive marketplace, where customers have a wide range of options to choose from. Additionally, a processor with excellent customer service can provide valuable guidance and advice, helping you optimize your payment processing experience and identify new opportunities saving on processing costs. When selecting a credit card processor, it is important to prioritize excellent customer service along with other critical factors such as security, pricing, and ease of use.

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