Best Merchant Accounts for Gas Stations

Service Stations Susceptible To High Card Processing Rates

Of all the many business types that accept credit cards, gas stations are some of the most negatively impacted by credit card processing fees. This is because their profit margins aren’t much larger than the interchange fees they pay for each transaction. Most petroleum franchisees will either inherit their pay-at-the-pump and in-store systems or have these systems chosen for them by their corporate supervisors, but independent fuel stations and convenience stores often have the freedom to choose the systems they prefer. For these merchants, the best approach is to find a reliable provider that offers easy installation, helpful customer support, and the lowest per-transaction markup that you can possibly secure.

To help you find the right processor, we’ve put together the following list of the top merchant account providers for gas stations and C-stores. These credit card processors are capable of integrating with existing POS equipment (including VeriFone Ruby and Gilbarco Passport) and can also enable merchants to accept fleet cards, EBT, prepaid cards, and other payment types. Most importantly, though, they offer some of the lowest processing rates available and have received generally positive feedback from merchants and third-party reviewers alike. In order to find the right fit for your petroleum location, be sure to contact multiple providers from this list and compare rate quotes.

Top Picks for Gas Station Merchant Services

Host Merchant Services is a Newark, Delaware-based merchant account provider that is well-suited for most gas stations and C-stores. 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, gift and loyalty programs, and merchant cash advance. This range of comprehensive features makes Host Merchant Services a great fit for gas stations.

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. This comprehensive range of features allows merchants to charge for gas and keep inventory if they have a convenient store as part of their facility. For those reasons, PaymentCloud is a good option for gas stations.

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.

Located in Chesapeake, Virginia, CDG Commerce is another ideal option for gas stations and C-stores. 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 locations that require a simple, low-cost, integrated method for accepting 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 offers several small business processing options and can assist gas stations and C-stores with identifying the right POS system or 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 gas staions and corner stores.

For more information, see the National Processing website or call (385) 777-1235.

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 corner stores.

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 C-stores who would like to accept payments on-site using their phones. 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.

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Phillip Parker
Phillip Parker
Credit Card Processing
3 min read
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