Simplify Payment Processing Integrations
It can be a major hassle to find a developer friendly credit card processor or switch all of your company’s internal products over to a new payment processor. Third-party payment gateways, outdated systems, and poort customer support teams can all create operational hurdles and extra work for your IT department. For this reason, small businesses and software firms are increasingly turning to payment processing APIs for a simple way to integrate credit card processing with their apps, websites, and software applications. If you have existing internal software that you want to accept debit and credit card payments, or if you sell a software product that needs to process digital transactions, your most seamless and future-proof option will be a reliable credit card processing API provided by a tech-forward payment processing company.
How to Choose a Top Payment Processing API or SDK
Choosing a credit card processing API or SDK requires several things to be considered in addition to the company’s technology and documentation. Below are several items you will want to ensure align with your objectives:
- Features and Capabilities: The API should support all popular payment methods, such as credit cards, debit cards, digital wallets, bank transfers, and ACH. Other desired features could include fraud prevention and multi-currency support.
- Reliability: Check the uptime and performance history of the API. APIs provided by established companies often have robust infrastructure and high reliability.
- Cost: Understand the pricing model. Some companies only charge per transaction, while others have additional fees for accessing the API. We recommend companies that offer “Interchange-plus” or flat-rate pricing with no monthly or annual fees. We’ll cover pricing in the picks below.
- Security: Ensure the API follows best practices for payment security, such as PCI-DSS compliance. The company should use secure data transmission methods, such as HTTPS and data encryption.
- Customer Support: Consider the support offered by the API provider. Quick, reliable phone support can be very helpful when dealing with payment-related issues. Some of the most popular providers have poorly rated support.
- Scalability: As your business grows, the API should be able to handle increasing numbers of transactions.
- Regulatory Compliance: The API provider should comply with all relevant regulations in the regions where you do business. This can include GDPR for Europe, CCPA for California, and so on.
- Client Reviews: Look for reviews and feedback from other developers who have used the API. This can provide valuable insights into potential issues and the quality of the service. Below, we chose providers that have the best reputations.
Our Top Picks for Credit Card Processing APIs and SDKs
To help you find a payment API that will save you time and money, we’ve compiled the following list of the top payment processing APIs and SDKs. The processors on this list offer easy-to-integrate APIs and low-commitment contract terms and competitive pricing.
Helcim is our top pick for developer-friendly credit card processing integration for a variety of reasons.
First, Helcim has a well-established developer toolkit and API for quick payment integration integration into nearly any app or website. The API is well-documented and offer over 80 possible actions to list, create, view, or modify a large number of data objects. Second, Helcim.js makes it easy to customize the front-end experience you want your customers to have. Everything about the sale can happen in the app or an the website without any security drawbacks.
Speaking of security, Helcim is one of the most progressive processors in the industry when it comes to protecting you and your customers from data breaches. The company’s technology allows developers to create seamless transactions on the front end without sending any sensitive credit data to your own servers. This is not only the recommended and most PCI compliant way to accepting transactions, but removes your liability for card fraud data breaches. Such breaches can be extremely costly to a business, both in the form of fines and losses of merchandise.
Best In-Class Pricing
Helcim has the best pricing in our expert opinion. The company has no monthly fees, no annual fees, and no junk fees at all, which is very rare among credit card processors. Add to this that Helcim offers “Interchange-plus” pricing at a modest markup starting at 0.50% and $0.25 per transaction for online transactions, and you have a provider that is unmatched in technology and cost. Helcim’s processing fee markup has automatic volume discounts. The more you process the lower the markup gets. As far as this reviewer is aware, Helcim is the only processor that offers such a pricing model.
Top-Rated Customer Support
Unlike some of the top payment APIs in the industry, Helcim offers dedicated phone support. This means that you can actually talk to a person if you are hitting a roadblock in your development process. Most other APIs of similar technological quality only offer chat and email support. If they do offer phone support, it often comes at an additional cost or requires that you process a high level of sales. At the end of our research, Helcim stood far and above in customer support reviews.
Located in Chesapeake, Virginia, CDG Commerce is a great option for standard-risk merchants 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’s Quantum Gateway offers multiple database engine APIs to choose from.
CDG Commerce Pricing
CDG Commerce has three pricing options to choose from with each offering competitive rates and fees with options for 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.
Lastly, we couldn’t finish out this list without including one of the most popular payment APIs in the industry. When is comes to features and integrations, Stripe is unmatched in its offerings. The company offers competitive flat-rate transaction processing fees with no monthly or annual fees, and no service length commitments. There are several optional services that can be added for varying monthly fees. Stripe is a great option for larger scale operations as it has numerous enterprise clients, like Uber and Shopify. However, smaller businesses have reported numerous grievances with the company’s customer support, or lack thereof. Getting setup with Stripe is also very quick and in many cases you can begin running sales the same day that you signed up. This makes it a good option for brand new ventures that want a low commitment option. Overall, we like Stripe for businesses that need rapid scalability at enterprise levels or for test out business ideas.
For all the detail, see our Stripe review.
When selecting a payment processing API, software and app developers should prioritize an API’s feature set, ease of integration, reliability, cost, security, support, scalability, regulatory compliance, as well as the reputation and stability of the API provider. Each of these factors will significantly impact the performance, user experience, and overall success of the application. The best choice will depend on the specific needs and circumstances of each business. Developers must therefore thoroughly assess their options to make an informed decision. We have done out best to provide the best payment processing APIs above.