Best Merchant Accounts for Spas

What to Know Before Getting Started

Starting a New Business?

Selecting a credit card processor is often more complicated than most people expect. How much should you be paying in fees? Should you lease or buy equipment? Should you be locked into a service agreement for anything length of time? These considerations and several others are imporant to understand before signing up with any merchant account provider. Mistakes are easily made and can be very costly to your business. Along with seeing our top choices for payment services below, be sure to checkout this post to avoid common traps in the merchant services industry.

Considerations For Current Business Owners

Changing merchant accounts can be an expensive, complicated, and time consuming process. Are you really going to save as much as promised? Do you need to buy to new equipment or sign new lease agreements? Will there be other less accountable costs such as those associated with employee retraining? Before selecting one of our choices below, you may want to consider renegotiating your fees with your current payment processing vendors using the help of a contingency-compensated consultant. It can result in a dramatic decrease in costs without the pains of switching. In some cases business owner have also obtained substantial refunds of prior overcharges along with saving thousands in future processing costs. See this post to learn more about this little-known alternative to changing merchant account provider.

As the owner of a spa, you provide your customers with a place where they can unwind, receive special care, and emerge feeling refreshed. Unfortunately, it can be hard for you to enjoy that same peace of mind when taking credit cards from them. Credit card processors are notorious for locking business owners into long-term contracts and expensive equipment leases, as well as for hiding their per-transaction markups in confusing rate quotes. For this reason, you’ll want to do a little research before signing up for a merchant account. Not only will an affordable processing solution add convenience for your customers, but it can include useful features like point-of-sale solutions, online payment tools, and gift and loyalty programs.

To help you find a provider that suits your location as well as your budget, we’ve put together the following list of the best merchant accounts for spas. The companies on this list offer point of sale systems, online marketing tools, accounting software integration, and other useful tools for operating your salon or day spa. They are also known to provide low-commitment contracts with transparent pricing and quality customer service. To find the right provider for your spa, be sure to research each processor’s products and features and compare pricing and terms.

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

Host Merchant Services

Host Merchant Services is a Newark, Delaware-based merchant account provider that is well-suited for most spa and retreat locations. 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, third-party software integration, 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 perfect fit for spas that maintain online stores or that engage heavily in online promotion.

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.

PaymentCloud

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 merchants to accept payments on-site using their phones as well as through online billing. For those reasons, PaymentCloud is a good option for spas because of its point-of-sale solutions that can efficiently process payments for different services and packages.

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.

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 spas 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.

CDG Commerce

Located in Chesapeake, Virginia, CDG Commerce is another great option for spas of all sizes and types. CDG has been privately owned since 1998 and offers EMV-compatible credit card terminals, 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 spa owners who would like a simple, low-cost, flexible method for accepting 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.

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.


Payline Data

Headquartered in Chicago, Illinois, Payline Data has consistently rated as one of the best merchant account providers on CPO since we first reviewed the company. Payline is capable of serving spas of all sizes and types. The company offers traditional retail credit card terminals, mobile phone credit card processing (via Flint), an online payment gateway and virtual terminal, QuickBooks integration, third-party shopping cart integration, API integration for websites, and various point-of-sale solutions. Payline Data is a great option for almost any size of spa, from home-based locations to high-end resorts.

In addition to its wide array of services, Payline Data offers interchange-plus pricing with month-to-month contracts and no early termination fees. As a result, the company enjoys a large number of positive testimonials from its clients on this website and in other consumer protection forums. The Better Business Bureau currently assigns Payline Data an “A+” rating, and CPO also gives Payline an “A+.”

ShopKeep

ShopKeep is a tablet-based POS system provider based in New York City. ShopKeep’s useful features for spas include inventory management, layout customization, labor tracking, customizable receipts, customer profiling, real-time analytics, a mobile dashboard app for live sales tracking, and a barcode scanner. ShopKeep is a good option for spas that have highly active points of sale or a large number of regular clients.

ShopKeep costs $49 per month per register, but it allows you to choose the credit card processor you would like to use or keep your current processor. This provider-agnostic flexibility is ideal for merchants who are looking to keep costs to a minimum. Our review of ShopKeep awards the company an “A” rating, while the BBB is awarding the company an “A+” rating at this time.

For more information, see the ShopKeep Website.

PayJunction

PayJunction is a merchant account provider headquartered in Santa Barbara, California. Like Payline Data, the company offers a proprietary web-based virtual terminal that is perfect for single-register, subscription-based organizations like smaller spas. PayJunction’s paperless payments system enables spas to securely accept credit cards using only an internet-connected desktop computer, and it can also securely establish recurring billing, accept ACH payments, identify returning customers, set up and manage payment plans, add a “Buy Now”-style button to existing websites, and view each given credit card’s transaction history. PayJunction is a good option for locations without busy point-of-sale needs that would like to process payments without buying or leasing a traditional credit card terminal or paying for a dedicated phone line.

PayJunction offers interchange-plus pricing with no early termination fees to most merchants and is also able to customize rates based on a business’s type and volume. Our review of PayJunction currently gives the company an “A+,” and the BBB also gives PayJunction an “A+.”

For more information, see the PayJunction website.


If your business offers merchant services for spas, 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 and Merchant Account Services

I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.

From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, 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 on this website.

How I Can Help You

I specialize in helping businesses get refunds of excessive fees and have recovered $1,567,184 this year alone! Submit a recent statement below to find out if you are getting overcharged. I'll take a look at it for free. If I find fees that can be refunded, hire me on contigency. I only get compensated if I put money back into your pocket.

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