We evaluated the most popular merchant services and picked our favorites. They can help you accept credit card payments and some even provide hardware and point-of-sale systems. The right option for you depends on your business's sales volume and preferred payment methods. Some providers support in-person business, while others only support e-commerce. Make sure the provider services your industry and the pricing structure fits your budget.
| Product | Best for | NerdWallet rating | Payment processing fees | Monthly fee | Learn more |
|---|---|---|---|---|---|
 U.S. Bank Merchant Services POS on U.S. Bank Merchant Services POS's secure website, Member FDIC |
| In-person: 2.6% + $0.10 Online: 2.9% + $0.30 | $0 and up. Varies dependent upon account setup. | on U.S. Bank Merchant Services POS's secure website, Member FDIC | |
 Chase Payment Solutions℠ on Chase Payment Solutions℠'s secure website |
| 4.6
/5
| In-person: 2.6% + $0.10 Online: 2.9% + $0.25 | $0 for in-person payments; $9.95 and up for e-commerce payments. | on Chase Payment Solutions℠'s secure website |
 Helcim on Helcim's secure website |
| In-person: 0.4% + $0.08 Online: 0.5% + $0.25 Plus interchange | $0 | on Helcim's secure website | |
 Stripe on Stripe Payments' secure website |
| In-person: 2.7% + $0.05 Online: 2.9% + $0.30 | $0 | on Stripe Payments' secure website | |
 Square POS on Square POS's secure website |
| In-person: 2.6% + $0.15 Online: 2.9% + $0.30 | $0 and up. | on Square POS's secure website | |
 National Processing on National Processing's secure website |
| In-person: 2.5% + $0.10 Online: 2.9% + $0.30 | $15 for Basic In-Person Package. | on National Processing's secure website |
Payment processing fees
In-person: 2.6% + $0.10
Online: 2.9% + $0.30
Online: 2.9% + $0.30
Monthly fee
$0
and up. Varies dependent upon account setup.
Learn more on U.S. Bank's website, Member FDIC
Pros
- No termination fees.
- Free plan available if you’re only using a mobile card reader.
- 24/7 phone support, plus a dedicated customer account manager.
- Provides in-house banking services.
Cons
- Must contact the bank directly for POS hardware pricing.
- May charge setup fee, depending on installation needs.
- Online ordering and accounting integrations are only available in Standard and Premium plans.
- Offline mode isn’t standard for all plans.
U.S. Bank Merchant Services POS
Payment processing fees
In-person: 2.6% + $0.10
Online: 2.9% + $0.30
Online: 2.9% + $0.30
Monthly fee
$0
and up. Varies dependent upon account setup.
on U.S. Bank's website, Member FDIC
Pros
- No termination fees.
- Free plan available if you’re only using a mobile card reader.
- 24/7 phone support, plus a dedicated customer account manager.
- Provides in-house banking services.
Cons
- Must contact the bank directly for POS hardware pricing.
- May charge setup fee, depending on installation needs.
- Online ordering and accounting integrations are only available in Standard and Premium plans.
- Offline mode isn’t standard for all plans.
Payment processing fees
In-person: 2.6% + $0.10
Online: 2.9% + $0.25
Online: 2.9% + $0.25
Monthly fee
$0
for in-person payments; $9.95 and up for e-commerce payments.
on Chase's website
Pros
- Two-in-one processor and acquiring bank.
- No PCI compliance or cancellation fees.
- Using your bank as your processor makes deposits convenient.
- 24/7 phone and online support.
Cons
- Some hardware pricing is not readily available.
- Chase’s Business Complete checking account comes with a $15 monthly service fee for some merchants.
Chase Payment Solutions℠
Payment processing fees
In-person: 2.6% + $0.10
Online: 2.9% + $0.25
Online: 2.9% + $0.25
Monthly fee
$0
for in-person payments; $9.95 and up for e-commerce payments.
on Chase's website
Pros
- Two-in-one processor and acquiring bank.
- No PCI compliance or cancellation fees.
- Using your bank as your processor makes deposits convenient.
- 24/7 phone and online support.
Cons
- Some hardware pricing is not readily available.
- Chase’s Business Complete checking account comes with a $15 monthly service fee for some merchants.
Payment processing fees
In-person: 0.4% + $0.08
Online: 0.5% + $0.25
Online: 0.5% + $0.25
Plus interchange
Monthly fee
$0
on Helcim's website
Pros
- Businesses save when customers use cards with low interchange rates.
- Offers free POS software.
- Offers volume-based discounts automatically.
- No termination fees, long-term contracts or PCI compliance fees.
Cons
- Deposits are available within two business days; same-day deposit option is not available.
- Interchange-plus costs can be difficult to predict.
Helcim
Payment processing fees
In-person: 0.4% + $0.08
Online: 0.5% + $0.25
Online: 0.5% + $0.25
Plus interchange
Monthly fee
$0
on Helcim's website
Pros
- Businesses save when customers use cards with low interchange rates.
- Offers free POS software.
- Offers volume-based discounts automatically.
- No termination fees, long-term contracts or PCI compliance fees.
Cons
- Deposits are available within two business days; same-day deposit option is not available.
- Interchange-plus costs can be difficult to predict.
Payment processing fees
In-person: 2.7% + $0.05
Online: 2.9% + $0.30
Online: 2.9% + $0.30
Monthly fee
$0
on Stripe's website
Pros
- Highly customizable online checkout options.
- No termination fees or long-term contracts.
- 24/7 chat support.
- Can process transactions in more than 135 currencies.
- No PCI compliance fees.
Cons
- Doesn’t sell full countertop POS setups; hardware is limited to handheld terminals and card readers.
- Deposits can take up to two business days.
- No phone or email support.
Stripe
Payment processing fees
In-person: 2.7% + $0.05
Online: 2.9% + $0.30
Online: 2.9% + $0.30
Monthly fee
$0
on Stripe's website
Pros
- Highly customizable online checkout options.
- No termination fees or long-term contracts.
- 24/7 chat support.
- Can process transactions in more than 135 currencies.
- No PCI compliance fees.
Cons
- Doesn’t sell full countertop POS setups; hardware is limited to handheld terminals and card readers.
- Deposits can take up to two business days.
- No phone or email support.
Best overall POS system
Payment processing fees
In-person: 2.6% + $0.15
Online: 2.9% + $0.30
Online: 2.9% + $0.30
Monthly fee
$0
and up.
on Square's website
Pros
- Free plan option available.
- Offers helpful related services, like payroll, that integrate closely with its POS system.
- No long-term contracts or termination fees.
- All plans include a free online store.
Cons
- Can’t run on Windows devices.
- Complex industries might prefer a more specialized system.
Best overall POS system
Square POS
Payment processing fees
In-person: 2.6% + $0.15
Online: 2.9% + $0.30
Online: 2.9% + $0.30
Monthly fee
$0
and up.
on Square's website
Pros
- Free plan option available.
- Offers helpful related services, like payroll, that integrate closely with its POS system.
- No long-term contracts or termination fees.
- All plans include a free online store.
Cons
- Can’t run on Windows devices.
- Complex industries might prefer a more specialized system.
Payment processing fees
In-person: 2.5% + $0.10
Online: 2.9% + $0.30
Online: 2.9% + $0.30
Monthly fee
$15
for Basic In-Person Package.
on National Processing's website
Pros
- No termination fees, long-term contracts or PCI compliance fees.
- Works with high-risk merchants.
- New merchants may qualify for a free terminal.
- 24/7 phone support.
- Compatible with multiple POS system providers, including Clover.
Cons
- Fees may be higher if you process less than $10,000 per month.
- Basic plans for processing in-person and online transactions are separate.
- Deposits take 2-3 business days for basic plans.
National Processing
Payment processing fees
In-person: 2.5% + $0.10
Online: 2.9% + $0.30
Online: 2.9% + $0.30
Monthly fee
$15
for Basic In-Person Package.
on National Processing's website
Pros
- No termination fees, long-term contracts or PCI compliance fees.
- Works with high-risk merchants.
- New merchants may qualify for a free terminal.
- 24/7 phone support.
- Compatible with multiple POS system providers, including Clover.
Cons
- Fees may be higher if you process less than $10,000 per month.
- Basic plans for processing in-person and online transactions are separate.
- Deposits take 2-3 business days for basic plans.