Best Manufacturing Merchant Account Providers

What to Know Before Getting Started

Starting a New Business?

Selecting a credit card processor is often more complicated than most people expect. How much should you be paying in fees? Should you lease or buy equipment? Should you be locked into a service agreement for anything length of time? These considerations and several others are imporant to understand before signing up with any merchant account provider. Mistakes are easily made and can be very costly to your business. Along with seeing our top choices for payment services below, be sure to checkout this post to avoid common traps in the merchant services industry.

Considerations For Current Business Owners

Changing merchant accounts can be an expensive, complicated, and time consuming process. Are you really going to save as much as promised? Do you need to buy to new equipment or sign new lease agreements? Will there be other less accountable costs such as those associated with employee retraining? Before selecting one of our choices below, you may want to consider renegotiating your fees with your current payment processing vendors using the help of a contingency-compensated consultant. It can result in a dramatic decrease in costs without the pains of switching. In some cases business owner have also obtained substantial refunds of prior overcharges along with saving thousands in future processing costs. See this post to learn more about this little-known alternative to changing merchant account provider.

As a primarily business-to-business industry, manufacturing poses a unique set of payment processing challenges. Interchange optimization, automation, payment security, regular billing, and unified analytics are all major priorities for any manufacturer that accepts credit cards. And for large-scale suppliers and small-scale suppliers alike, keeping costs to a minimum is often priority number one.

To help you choose the best merchant account for your manufacturing company, we have compiled a list of the top manufacturing merchant account providers below. These processors specialize in payment solutions for enterprise-scale B2B organizations, and each one advertises an array of services that are ideal for manufacturers and suppliers. Some of these providers offer business management solutions in addition to payment processing, while others are strictly credit card processors. To ensure that you find the best fit for your company, be sure to contact multiple providers to compare pricing and service offerings.

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

Host Merchant Services

Host Merchant Services is a Newark, Delaware-based merchant account provider that is well-suited for manufacturers. The company’s products and services include point-of-sale solutions, online marketing tools, an online payment gateway and virtual terminal, mobile credit card processing, merchant cash advance, and offshore merchant accounts. Host Merchant Services specializes in e-commerce and B2B businesses and provides a free website and email address to new merchants who desire these services.

Host Merchant Services has received only 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.


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. These features allow low to high volume manufacturers to accurately track their extensive inventories and sales. Using a virtual terminal backed by Authorize.Net, PaymentCloud also enables manufacturers to automate payments for recurring services and generate detailed online invoices. High volume manufacturers also stand to benefit from the wholesale rates PaymentCloud can offer them. For those reasons, PaymentCloud is a good option for manufacturing companies.

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.


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 manufacturers 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.

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.

CDG Commerce

Located in Chesapeake, Virginia, CDG Commerce is another great option for surveying services 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 surveyor businesses 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.

Payline Data

Headquartered in Chicago, Illinois, Payline Data is another highly rated all-around merchant account provider that can serve manufacturers of most sizes. The company’s products and features include a virtual terminal with a QuickBooks-integrated online payment gateway, online shopping carts, customizable sales analytics, mobile processing, and payment tokenization.

Payline Data consistently receives positive reviews from merchants, who describe the company’s sales team and customer support as knowledgeable and friendly. Payline Data typically offers interchange-plus pricing with month-to-month agreements and no early termination fees. Our review of Payline Data gives the company an “A+” rating, while the BBB gives Payline an “A” at this time.


Helcim is another great all-purpose processor that is headquartered in Alberta, Canada. The company can serve businesses in both the U.S. and Canada and offers retail, mobile, and e-commerce processing for manufacturers. Helcim’s products and services include a virtual terminal, mobile phone processing, secure data storage, POS equipment, recurring billing, and a payment gateway that can be directly integrated with a website, shopping cart, billing system, or other application via an API.

Helcim actively promotes interchange-plus pricing with month-to-month agreements and no early termination fees. The company also receives exclusively positive feedback across all consumer protection websites. gives Helcim an “A+” rating at this time, and the BBB also assigns Helcim an “A+.”

For more information, see the Helcim Website.

Dharma Merchant Services

Based in San Francisco, California, Dharma Merchant Services is a highly rated merchant account provider that can provide savings for the majority of manufacturing companies. Dharma’s products and services for manufacturers include countertop terminals, mobile device payment processing, an online payment gateway and virtual terminal (Authorize.Net), QuickBooks integration, and small business financing. The company also donates a percentage of its profits to non-profits of its choosing every year, which may be appealing to some business owners. Dharma is best suited for merchants who process over $10,000 per month, making it a good fit for most manufacturers.

Dharma scores highly in our review and elsewhere due to its positively reviewed customer service, transparent marketing practices, competitive interchange-plus rates, and fair service agreements. The BBB currently assigns a rating of “A+” for Dharma Merchant Services, while also gives the company an “A+.”

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


Cayan is a large all-purpose merchant account provider based in Boston, Massachusetts. The company is a great option for manufacturers of all sizes due to its wide array of products and platforms, including support for multiple payment types (such as NFC, EMV, and QR payments), virtual and countertop POS equipment, line-item payment displays, API- and IP-based software integration, and payment tokenization. Cayan’s proprietary cloud-based Genius customer engagement platform can also help manufacturers manage buyer relationships and keep costs down.

Cayan customizes its pricing based on each merchant’s business type and size, but it typically offers a month-to-month agreement with no early termination fees. Cayan has an “A” rating with and an “A+” rating with the Better Business Bureau at this time.

For more information, see the Cayan website or call (888) 506-8019.

3Delta Systems

3Delta Systems is a Chantilly, Virginia-based software provider that specializes in enterprise-scale B2B and B2G payment processing. The company’s products and services include level 3 line-item payment processing, credit card tokenization, a browser-based virtual terminal, fraud detection software, real-time credit card authorizations, FTP (file-based) batching, buyer-initiated payments, and a supplier portal, all of which are PCI-compliant, proprietary, and fully integrated with each other.

3DSI is not itself a merchant account provider, but its payment gateway can be directly connected to American Express, Elavon, First Data, Global Payments, Paymentech, TSYS, Vantiv, and WorldPay merchant accounts. This makes it extremely likely that 3Delta Systems can be paired with almost any merchant account provider available, including the ones on this list. currently gives 3Delta Systems an “A” rating overall, while the BBB does not have a review for 3DSI.

TSYS Merchant Solutions

TSYS Merchant Solutions is a very large direct payment processor headquartered in Omaha, Nebraska. As a direct processor, TSYS offers a full suite of payment processing services including a secure browser-based terminal, a proprietary payment gateway, data breach protection, multiple currency acceptance, recurring billing, and sales reporting.

TSYS consistently maintains a remarkably low complaint rate in comparison to its very large size and generally customizes pricing based on each merchant’s size, type, and processing history. Our review of TSYS awards the company an “A-” rating at this time, and the BBB gives TSYS an “A+.”

If your business offers merchant accounts and payment solutions to manufacturers, 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 and Merchant Account Services

I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.

From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, 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 on this website.

How I Can Help You

I specialize in helping businesses get refunds of excessive fees and have recovered $1,567,184 this year alone! Submit a recent statement below to find out if you are getting overcharged. I'll take a look at it for free. If I find fees that can be refunded, hire me on contigency. I only get compensated if I put money back into your pocket.

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