Cheapest Merchant Account Providers

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Picking a Low-Cost Merchant Account Provider

Many business owners on a budget shop for a merchant account with a simple mission: How can I accept credit cards for the lowest cost possible? Which company has the lowest rates? How can I keep the largest possible percentage of my sales? For these businesses, specialized features and software are secondary concerns. What matters most is being able to take cards for the smallest possible amount.

Saving Without Sacrificing Service Quality

If you’re concerned with cost above all else, then the following ranking of the top-rated cheapest merchant account providers is for you. These processors offer the lowest per-transaction rates, setup fees, and recurring monthly costs for accepting credit cards. This list includes traditional merchant account providers as well as unconventional providers and mobile payment options. Each payment processor has a positive reputation among merchants and third-party reviewers as well as transparent pricing and live customer support. Businesses on a budget can’t go wrong with any of these providers.

Ensure Low Fees By Getting Multiple Quotes

It’s important to understand that there is no single cheapest option for all businesses; rather, each provider has advantages and drawbacks for certain merchant sizes. For example, high-volume merchant with multiple locations will be better served by large, traditional processors, while single-register locations might be better off with a free mobile phone or tablet app. The picks below are in no particular order and we recommend contacting multiple providers in this list to compare their service offerings and rates to get the best solution for your business.

Our Recommendations

CDG Commerce

See Our Full CDG Commerce Review

Specialized services for most industries
Simple and transparent rates
350+ technology integrations, including Quickbooks

5 Stars

Why CDG Commerce?

This merchant account provider has consistently ranked as a top recommendation across numerous top-pick lists on CPO for nearly a decade. As a smaller provider CDG Commerce offers tailored solutions and dedicated specialists for your specific account, which is something that can’t be found with large corporate providers. Along with offering some of the lowest pricing in the credit card processing industry, has a wide array of hardware and software solutions to handle just about any point of sale requirement. In fact, CDG Commerce boasts over 300 integrations with third-party apps, payment gateways, and business manager systems. Business owners who choose CDG Commerce can feel confident that they are getting the best services at the lowest rates and fees.

Contact CDG Commerce

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

Find Out Who Else Makes Our Top Picks

See out recommedation master list, “Best Merchant Accounts,” for a complete rundown of our recommendations. We only choose providers that offer low fees, modern technology, and excellent customer service.

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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.

Audit Your Merchant Account

When was the last time you had your rates audited by someone who wasn’t also trying to sell you credit card processing services? We support this website by helping business owners understand how to cut their processing costs, either with a new processor or their current one. Learn more.

How To Sync Payments With QuickBooks

The following merchant services providers offer either direct or indirect integration. Providers with direct integration offer solutions like payment gateways, plugins, or APIs that seamlessly transfer your transaction details and payment history from your merchant account to QuickBooks. Providers with indirect integration…

Before You Switch,
Audit Your Costs

Before you switch processors, audit your current processing costs to ensure that you save the most you can possibly save in fees.

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