Top credit card processing for small business​ 2025

Top Providers

  1. Square: Best for brick-and-mortar businesses
    • Flat-rate pricing: 2.6% + 10¢ for in-person transactions
    • Free POS software and mobile card reader
    • Suitable for businesses with lower sales volumes
  2. Helcim: Best for high-volume businesses
    • Interchange-plus pricing: 0.4% + 8¢ for in-person transactions (up to $50,000 monthly)
    • No monthly fees and volume discounts
    • Transparent pricing and free merchant tools
  3. Stripe: Best for online businesses
    • Flat-rate pricing: 2.9% + 30¢ for online transactions
    • Supports 135+ currencies
    • Strong integration capabilities for e-commerce
  4. Stax: Cheapest for businesses processing over $5,000/month
    • Subscription model: $99/month and up
    • 0% markup on interchange fees
    • 8¢ per in-person transaction, 15¢ per online transaction2
  5. Payment Depot: Offers membership pricing model
    • Transparent pricing structure
    • Good for businesses with higher transaction volumes1

Factors to Consider

When choosing a credit card processor, consider:

  • Transaction volume and average ticket size
  • In-person vs. online sales
  • Integration needs with existing systems
  • Additional features like invoicing or POS software
  • Customer support quality

For businesses processing less than $10,000 monthly, flat-rate providers like Square may be more cost-effective. For higher volumes, interchange-plus pricing from providers like Helcim or membership models like Stax could offer better savings4.

Remember to compare pricing structures, additional fees, and contract terms before making a decision. Some providers, like Swipesum, offer free services to help businesses find the right processing partner5.

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