Best Petroleum Merchant Account Providers

What to Know Before Getting Started

Of all the 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.

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

Fattmerchant

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 petroleum suppliers 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.

Payline Data

Headquartered in Chicago, Illinois, Payline Data is an all-purpose merchant account provider that is able to offer a wide variety of payment solutions for gas stations and C-stores. The company’s products and features include integration with existing POS equipment (including Ruby SuperSystem), EBT processing, fleet card processing, ATM placement, and remote deposit capture. Payline Data is a great option for merchants of all sizes.

Payline Data’s standard pricing offers low interchange-plus rates with no early termination fees, although the company can customize its pricing depending on each merchant’s needs. Our review of Payline Data gives the company an “A+” rating, while the Better Business Bureau gives Payline an “A” at this time.

Payment Depot

Founded in 2013, Payment Depot is an Orange, California-based merchant account provider that is capable of processing payments for petroleum merchants. The company’s most appealing feature is its unconventional pricing model, which scraps a percentage-based markup in favor of a flat monthly fee and a per-transaction fee of interchange plus a low, fixed dollar amount. This keeps credit card processing fees predictable and limits the extent to which they cut into each transaction’s profit margins. Payment Depot also does not enforce long-term contracts or charge any early termination fees.

Payment Depot offers point-of-sale equipment for purchase and is also capable of reprogramming merchants’ existing point-of-sale equipment for free. The company currently has an “A” rating on CardPaymentOptions.com, while the BBB gives Payment Depot an “A-.”

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

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.


Dharma Merchant Services

Based in San Francisco, California, Dharma Merchant Services is a highly rated merchant account provider that has cultivated a reputation for social consciousness and community outreach. The company’s products and services include countertop terminals, a tablet-based POS system (via a partnership with ShopKeep), QuickBooks integration, and small business financing. The fact that the company donates a percentage of its profits to non-profit organizations each year may be especially appealing to some petroleum merchants. Dharma is best equipped to provide savings for merchants who process over $10,000 per month.

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 CardPaymentOptions.com also gives the company an “A+.”

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

Chase Paymentech

Based in Dallas, Texas, Chase Paymentech is the credit card processing division of banking giant JPMorgan Chase. The company’s size enables it to offer a wide range of processing solutions for gas station owners, including POS system integration, fleet card acceptance, gift and loyalty programs, and address verification (AVS). Chase Paymentech is capable of serving all sizes of business, from very small to very large.

Chase Paymentech customizes its pricing depending on each merchant’s size, type, and processing history, so its contract terms will vary. However, the company is showing a remarkably low number of public complaints in relation to its massive size, which indicates that most of its merchants are satisfied with the service they receive. Our review of Chase Paymentech gives the company an “A” rating, while the BBB gives Paymentech an “A+.”

BankCard Central

BankCard Central is a Kansas City, Missouri-based merchant account provider that offers a wide range of solutions for gas stations and convenience stores. The company’s services include fleet card and EBT acceptance, VSAT connection upgrades (for faster authorization), enhanced sales reporting, customer loyalty programs, merchant cash advance, and AVS for compatible fuel pumps. The company is a great choice for small and midsize fuel stations.

BankCard Central customizes its pricing based on each merchant’s business type and processing history, so rates will vary. The company has nearly zero complaints across all consumer protection websites and is in fact showing mostly positive reviews. Our review of BankCard Central assigns the company an “A” rating, while the BBB gives BankCard Central an “A+.”

Heartland Payment Systems

Founded in 1997, Heartland Payment Systems is a very large merchant account provider with headquarters in Princeton, New Jersey. In addition to credit, debit, EBT, and fleet card acceptance, the company offers two specialized solutions for fuel vendors and C-stores. The first, PetroPay, is a standard credit card processing solution that has been tailored to the needs of petroleum merchants. The second, SmartLink Managed Network Services, adds secure payment processing and enhanced connectivity across the various networks at a merchant’s location.

Heartland Payment Systems offers interchange-plus pricing with a variable contract length and consistently maintains a low complaint rate for its size. Our review of Heartland Payment Systems gives the company an “A-” rating, while the BBB gives Heartland an “A+” rating.


If your business offers merchant accounts and payment solutions for gas stations, 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

I'm a former credit card processing sales director who left the industry to start my own a small business. From the time that I starting working in the merchant services industry to when I left to write about it, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this insider knowledge to myself, so built this website to help small business owners research which service providers to use and how to save money on rates and fees. 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 here. I can help you save money with your current merchant account or help you find a new one. Message me here to get started.

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