Seasonal Payment Processing When You Need It
Seasonal businesses are a unique case in the credit card processing industry. Most merchant account providers aren’t able to turn their accounts on or off with the click of a button, and they tend to regard seasonal merchants as an unreliable source of revenue. As a result, your seasonal business may face hefty account maintenance fees during your off months, or worse, the need to close and reopen a new merchant account every year. This problem is complicated further when it comes to obtaining processing equipment for busy seasonal locations or yearly fundraising events. How can you find a merchant account provider that can get you the processing tools you need during your active months without charging an arm and a leg for the convenience?
To help you find the right fit for your business, we’ve put together the following list of the best merchant accounts for seasonal businesses. The providers on this list offer easy account setup and closure, credit card processing software, accounting software integration, and other useful services for growing and maintaining your seasonal business. They are also known to provide low-commitment contracts with transparent pricing and quality customer service. To find the right provider for your seasonal business, be sure to research each processor’s products and features and compare pricing and terms.
Top Picks for Seasonal Merchant Services
Host Merchant Services
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Fast approval for most industries
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No contract or cancellation fees
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Highly rated customer support
Host Merchant Services is a Newark, Delaware-based merchant account provider that is well-suited for most seasonal businesses. 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 seasonal companies that would like to affordably take credit cards in person and online.
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.
CDG Commerce
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Specialized services for most industries
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Simple and transparent rates
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350+ technology integrations, including Quickbooks
Located in Chesapeake, Virginia, CDG Commerce is another ideal option for seasonal businesses 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 is ideal for dentistry locations that require a simple, low-cost, integrated method for accepting online and 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.
PaymentCloud
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Fast approval for numerous "high-risk" industries
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Broad product and service offering
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Highly praised customer support
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. PaymentCloud is a good option for seasonal merchant accounts.
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.
Additional Options
Shopify
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Top rated all-in-one e-commerce platform
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Serves almost any need from small to enterprise
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Numerous plug-ins for almost any business need
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 seasonal businesses, as is the flexibility of the company’s terms.
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 seasonal businesses who would like to accept payments on-site using their phones as well as through online billing. 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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