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.
Our Top Picks for Small Business Merchant Services From Our Partners
Our Top Picks for Small Business Merchant Services From Our Partners
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U.S. Bank Merchant Services POS
Monthly fee
$0.00
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
Monthly fee
$0.00
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.
Chase Payment Solutions℠
4.5
Monthly fee
$0.00
for in-person payments; $9.95 and up for e-commerce payments.
Learn more
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.
- No third-party shopping cart integrations.
- Chase’s Business Complete checking account comes with a $15 monthly service fee for some merchants.
Chase Payment Solutions℠
4.5
Monthly fee
$0.00
for in-person payments; $9.95 and up for e-commerce payments.
Learn more
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.
- No third-party shopping cart integrations.
- Chase’s Business Complete checking account comes with a $15 monthly service fee for some merchants.
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.
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.
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.
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.
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.
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.
National Processing
Monthly fee
$9.95
for Basic In-Person Package.
Learn more
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
Monthly fee
$9.95
for Basic In-Person Package.
Learn more
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.
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