It’s the truth: In order for your business to remain competitive in the modern marketplace, you’ll need to maintain some kind of web presence. Whether it’s a complete website, an online directory listing, or a social media profile, your company’s online identity allows customers to research your product and contact you over the Internet. You may even choose to build a fully functional e-commerce website that enables visitors to conveniently shop for your products online, rave about your products publicly, and share their positive experiences with other customers.
But setting up an online merchant account can seem like a complex and risky affair, especially when it comes to security and maintenance costs. If you already run a successful brick-and-mortar operation with a limited online presence, you may wonder whether it’s worth the risk to switch processors just to set up an internet storefront.
That’s why we’ve compiled this list of reliable, full-service, all-in-one e-commerce providers for traditional merchants. The payment processors in this list are best known for providing quality merchant services to large, established brick-and-mortar merchants through their traditional processing options, but they also offer e-commerce solutions that have been favorably reviewed. If you currently operate (or will soon be launching) a business that requires a robust service suite for both face-to-face and online transactions, this list should be useful to you.
Please note that while all of these companies offer all-in-one credit card processing, they each have different strengths and weaknesses that may or may not match your business’s needs. You should be sure to research each provider carefully in order to determine which one is the most suitable for you.
Best for U.S. E-Commerce
Host Merchant Services
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Fast approval for most industries
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No contract or cancellation fees
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Highly rated customer support
Host Merchant Services is a Newark, Delaware-based merchant account provider that specializes in payment solutions for e-commerce businesses. The company’s products and services include web hosting, online marketing tools, an online payment gateway and virtual terminal, online shopping cart integration, gift and loyalty programs, and mobile payment solutions. Host Merchant Services specializes in e-commerce businesses but is able to serve retail businesses just as well.
Host Merchant Services has received only positive feedback on public forums, with most reviewers singling out the company’s customer service for praise. The company 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
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Fast approval for numerous "high-risk" industries
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Broad product and service offering
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Highly praised customer support
Based in Woodland Hills, California, PaymentCloud is a merchant account provider that specializes in serving e-commerce businesses of nearly any type. This includes “high-risk” online industries such as CBD and Kratom businesses. 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 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.
CDG Commerce
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Specialized services for most industries
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Simple and transparent rates
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350+ technology integrations, including Quickbooks
Located in Chesapeake, Virginia, CDG Commerce is another ideal option for e-commerce businesses offices 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, sales reporting, security breach protection, and vulnerability scanning. CDG Commerce is ideal for e-commerce businesses that require a simple, low-cost, integrated method for accepting online and in-person payments.
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.
Additional Options
National Processing
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Top-rated choice for businesses that want Clover POS
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Fast approval and next day deposits
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Quick equipment deliver and 24/7 support
National Processing offers several small business processing options and can assist e-commerce businesses with identifying the right virtual terminal for their needs. The company offers two pricing options: one an interchange-plus program or a “zero-fee” program, both of which offer competitively priced rates.
National Processing has a clean reputation with just one complaint filed in the last three years, which is not concerning in nature. Our independent review finds National Processing to be a solid option for most e-commerce companies.
For more information, see the National Processing website or call (385) 777-1235.
Shopify
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Top rated all-in-one e-commerce platform
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Serves almost any need from small to enterprise
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Numerous plug-ins for almost any business need
Shopify is primarily known as an e-commerce platform for online merchants, but the company also offers a point-of-sale software solution for iPad and iPhone. The Shopify POS app can accept cards via a headphone jack card swiper, or a $129 EMV reader and includes features like inventory syncing with a web store, emailed receipts, automatic tax calculations, basic email marketing, and in-store refunds. These online payment options and the familiarity of the Shopify brand are great for merchants, whose clients will feel safe and comfortable using the service.
The Shopify payment service can also be paired with a Shopify online store, which comes with numerous customization options. Shopify POS is a great fit for e-commerce businesses who would like to accept payments on-site using their phones as well as through online billing. Shopify has an “A+” rating with the BBB, and we give it an “A+” rating as well.
For more information, visit the Shopify website or call (888) 746-7439.
Sign Up With Shopify
Website: shopify.com
If your company primarily services traditional retailers but also offers a robust e-commerce option, please leave a comment below or get in touch with us directly.
6 Responses
I am an owner of a small company. Thank you for what you do!! I have only been with EVO for one month and what a nightmare. I am reading all these evals and they many of the stories are the same as my hell with this company. Including Jennifer!
I was with PayPal and never had one charge back for over 5 years.
For your audience
2 class action lawsuits.
the link is here, I will be contacting them to see if it is possible to join in.
With big guns like this only a class action will dent them
Also:
File a complaint with New York Attorney general’s office.
I read this on some of the RipOff Reports about this company.
As small businesses and entrepreneurs we don’t have time, or the big bucks to go after these people.
Thus the suggestion to check out the class action suits, file complaints at the New YOrk Attorneys office, and go to your congressman to report,
The Better Business Bureau in your area, and Consumer Fraud websites.
This post will help: How to Report Bad Credit Card Processors
-Phillip
The worst experience ive had with cc processing companies and I have had many. First the rates are much higher than they are supposed to be but anytime email my account representative with questions he takes days even weeks to respond if he responds at all. Then when he does he does not answer my questions but sends information that does not answer my question. So today I called to speak with him, after I told him my problems he says hold on and transfers me to a voicemail that says they are too busy to talk to me but will call me back as soon as they can. Before I signed up for their service this guy would email me 2-3 times a day and respond to my questions within minutes. This company has terrible customer service and does not perform to the standards that they tell you before signing up.
Hi Jeffrey,
Can you please specify which company you are referring to?
As a owner of a fulfillment company we have seen what happens when you have a bad Merchant provider compared to a good Merchant provider. There is a ton of scammers out there just looking to pull one over on anyone, I think some of them would or probably already have stolen from their mothers. Very sad to say the least. We have great service from Shopify along with Chase Payment tech. You might pay a half percent more per transaction but trust me it is worth it in the end. This is a outstanding web page and has a ton of great information for those who do not know which way to turn. Great Job on the site.
i dont know why people in comments hate skrill.. for me, skrill is best fucking thing ever.
if you are selling something online, people using paypal to scam sellers, via skrill it is much harder.
second, you can get a skrill card and you can do shopping and buying at your home(supported in EU countries)
Few times i asked few questions to skrill support and got answer very shortly(unlike paypal)
Yeah i like skrill 5/5..
Hi Luka,
Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!
Comments are closed.