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Best Merchant Accounts for Pharmacies

  • Phillip Parker
  • Credit Card Processing
  • February 3, 2022
FTC & Advertising Disclosure

We take great pride in providing one of the only objective an unbiased merchant account review websites on the internet. To support this enormous responsibility we earn some of our revenue through affiliate fees and advertising. These revenues in no way influence our ratings or reviews. Learn more about our monetization policies here. 

Our Top Pick of 2022

helcim logo

Helcim Payments

See Our Helcim Merchant Services Review
  • No Monthly or Annual Fees
  • Super Low Processing Rates
  • POS, Mobile, and Online Payments
View Pricing
Sales & Support:
(888) 506-7812
★ ★ ★ ★ ★

Credit and Debit Card Processing is Crucial for Pharmacies

Pharmacies often operate in retail environments and typically serve patients from all backgrounds and cultures, making them surprisingly complicated cases from a payment processing perspective. Pharmacists need to consider methods for accepting all kinds of payments, including debit, credit, checks, cash, prepaid cards, and ACH transfers. They can also benefit from providing multiple payment channels, including in-person transactions as well as billing by mail, telephone, and internet. Most merchant account providers can supply all of these services to pharmacists, but not all of them will do so within every pharmacist’s budget.

To help you find a provider that fits your business as well as your budget, we’ve put together the following list of the best merchant accounts for pharmacies. The companies on this list offer virtual terminals, online billing, point-of-sale systems, and other useful tools for operating your drug store. They are also known to provide low-commitment contracts with transparent pricing and quality customer service. To find the right provider for your retail pharmacy, be sure to research each processor’s products and features and compare pricing and terms.

Top Picks for Merchant Services for Pharmacies

host merchant services logo

Host Merchant Services

See Our Host Merchant Services Review
  • Fast approval for most industries
  • No contract or cancellation fees
  • Highly rated customer support
View Pricing
Sales & Support:
(888) 727-4538
★ ★ ★ ★ ★

Host Merchant Services is a Newark, Delaware-based merchant account provider that is well-suited for pharmacies of all sizes and specialties. 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. Host Merchant Services specializes in e-commerce businesses and provides a free website and email address to interested merchants. Host is a good fit for pharmacies that would like to affordably accept online and in-person payments.

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 Better Business Bureau 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.

host merchant services logo

Contact Host Merchant Services

Website: hostmerchantservices.com
Phone: (888) 727-4538
View Pricing
PaymentCloud Company Logo

PaymentCloud

See Our Full PaymentCloud Review
  • Fast approval for numerous "high-risk" industries
  • Broad product and service offering
  • Highly praised customer support
View Pricing
Sales & Support:
(888) 506-7859
★ ★ ★ ★ ★

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 pharmacies to accurately track their extensive inventory of prescription drugs and keep accurate records of customer data to quickly facilitate payments. For those reasons, PaymentCloud is a good option for pharmacies.

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.

PaymentCloud Company Logo

Contact PaymentCloud

Website: paymentcloud.com
Phone: (888) 506-7859
View Pricing
cdg commerce logo

CDG Commerce

See Our Full CDG Commerce Review
  • Specialized services for most industries
  • Simple and transparent rates
  • 350+ technology integrations, including Quickbooks
View Pricing
Sales & Support:
(888) 393-1079
★ ★ ★ ★ ★

Located in Chesapeake, Virginia, CDG Commerce is another great option for pharmacies of all sizes. 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 pharmacies that require a simple, low-cost, fully integrated method for accepting payments online and 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.

cdg commerce logo

Contact CDG Commerce

Website: cdgcommerce.com
Phone: (888) 393-1079
View Pricing

Additional Options

national processing credit card processing logo

National Processing

See Our Full National Processing Review
  • Top-rated choice for businesses that want Clover POS
  • Fast approval and next day deposits
  • Quick equipment deliver and 24/7 support
View Pricing
Sales & Support:
(385) 777-1235
★ ★ ★ ★ ★

Based in Lindon, Utah, National Processing is a merchant account provider e-commerce solutions, and mobile payments for pharmacy merchants. National Processing offers month-to-month contracts with no early termination fees and interchange-plus pricing, all excellent options that offer flexibility, transparency, and cost-effectiveness to any pharmacy. Furthermore, National Processing offers ACH processing to pharmacies so they can easily accommodate their customer’s preferred method of payment.

National Processing has a good track record of customer service, as demonstrated by having fewer than 10 complaints across different consumer review forums. National Processing also has an “A+” rating with the BBB as well as being awarded an “A+” overall from our review of the company.

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

national processing credit card processing logo

Contact National Processing

Website: nationalprocessing.com
Phone: (385) 777-1235
View Pricing
eMerchant Broker Logo

eMerchant Broker

See Our Full eMerchant Broker Review
  • Maintains numerous banking partners
  • Can get approvals for international businesses
  • Top-rated in "high-risk" industry satisfaction
View Pricing
Sales & Support:
(877) 301-3442
★ ★ ★ ★ ★

eMerchantBroker.com is a Los Angeles, California-based company that offers high-risk e-commerce processing solutions including for pharmacies. The company’s products include ACH processing, an online payment gateway, merchant cash advance, and a chargeback management system to help merchants dispute and resolve chargeback claims. eMerchantBroker.com can provide processing for pharmacies working with more high-risk clients.

eMerchantBroker.com offers custom pricing for each merchant and maintains a low complaint rate relative to its size and merchant portfolio. Our review of eMerchantBroker gives the company an “A” rating overall and the BBB assigns the company a rating of “A+”.

For more information, see the eMerchantBroker website or call (877) 301-3442.

eMerchant Broker Logo

Contact eMerchant Broker

Website: emerchantbroker.com
Phone: (877) 301-3442
View Pricing
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About The Author

Phillip Parker is a Payments Industry Analyst and creator of this blog, CardPaymentOptions.com. Phillip is passionate about researching merchant service providers and payment industry trends. He is often quoted as an expert source in national publications such as INC Magazine, The Los Angeles Times, Entrepreneur, and many others.

“I started this blog because I was disgusted by the business practices of the merchant services industry. I wanted to empower business owners by providing insight on how to avoid shady merchant account providers and costly credit card processing mistakes.” 

Phillip’s Processor Comparisons

Picking a credit card processor can be a headache, but we’ve made it easy. Phillip recommends comparing the best merchant services providers we’ve researched.

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