There are numerous ways to build payment processing into a website or application, from simple “Buy Now” buttons to custom checkout pages and APIs. Most developers prefer to utilize a simple API integration, as this minimizes the amount of development necessary and passes the responsibility for payment security to a third-party processor. Luckily, APIs are available from a growing number of credit card processors, including many merchant account aggregators, but the large number of choices makes it difficult to determine which options are best for a specific website.
To help you find the best credit card processor for your clients, we’ve put together the following list of the top payment processing solutions for web developers. These companies offer simple integration solutions for their merchant accounts, including simple payment buttons, hosted checkout solutions, and full APIs for backend integration. These companies have also received positive reviews from merchants with regard to their pricing, products, and customer service. Each company on this list will have different strengths and options for developers, so it’s best to do your research and contact a few providers before signing up.
Best Merchant Accounts for Web Developers
Host Merchant Services is a Newark, Delaware-based merchant account provider that is well-suited for web developers and e-commerce businesses. The company’s executive leadership has a great deal of experience with web development, as CEO Lou Honick previously served as the founder and CEO of HostMySite.com from 1997 to 2008. Host’s products and services include online marketing tools, an online payment gateway and virtual terminal, mobile credit card processing, gift and loyalty programs, merchant cash advance, and offshore merchant accounts. The company also provides web hosting, a free website, and business class email to interested new merchants.
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+.”
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 also invaluable for web developers as it easily integrates a payment processing platform onto any website. PaymentCloud advertises a host of online shopping cards for web developers including OpenCart, Volusion, BigCommerce, Shopify, Magento, and many more. PaymentCloud’s full-service solutions allow web developers to add comprehensive payment solutions to their website or mobile app. The company also provides a developer toolbox with open API to customize payment integrations to fit a merchant’s unique needs.
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.”
Located in Chesapeake, Virginia, CDG Commerce is a great option for standard-risk merchants 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 web developers who require a simple, low-cost, integrated retail or online processing solution.
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.
Shopify is primarily known as an e-commerce platform for online merchants, and while it may not be as powerful as some processors with integrated APIs, its ubiquity and ease have their own benefits. People are familiar with Shopify, which makes it easy to use on most websites. Shopify’s services include features like inventory syncing with a web store, emailed receipts, automatic tax calculations, basic email marketing, and in-store refunds.
The Shopify payment service can also be paired with a Shopify online store, which comes with numerous customization options. Developers can also use Shopify to take payments for their own work, with in-person and online payment options available. Shopify has an “A+” rating with the BBB, and we give it an “A+” rating as well.
eMerchantBroker is a Los Angeles, California-based company that offers high-risk e-commerce processing solutions, which can be a great fit for web developers creating a website for high-risk businesses. The company’s products include credit card processing, ACH processing, an online payment gateway, merchant cash advance, and a chargeback management system to help merchants dispute and resolve chargeback claims.
eMerchantBroker 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+.”