Best Credit Card Processing Options For Small Businesses

The most successful small businesses know how important it is to accept credit cards


The most successful small businesses know how important it is to accept credit cards as a payment option. With so many consumers preferring to pay via credit card, denying them the ability means you could miss out on a ton of sales. Just as the saying goes, the customer is always right. To be successful in business, you must cater to the needs of your customers.

Credit card payments offer both the buyer and merchant a level of security and reliability. A secure processing system is essential to limit the likelihood of fraud. If you don’t accept credit cards, your growth potential will be severely limited and your competition is almost guaranteed to take advantage.

Just because you’re a small business doesn’t mean your credit card processing choices are limited. Even if your business does not yet generate enough revenue to meet some vendor requirements there are still a number processors that will work with you. Here are the best credit card processing options for small businesses.


If you have a low volume of sales, consider using PayPal as your main credit card processor. You can send customers and clients PayPal invoices that they can pay whether or not they have a PayPal account. You can also process payments via a tablet or iPhone with an attachment that PayPal will send you free of charge. Their fees are minimal per transaction.


Square is among the most popular credit card processors for small businesses. This is one of the oldest and most-used processors, allowing merchants to process credit card payments and also accept payments via an e-commerce site. While it’s not ideal for large merchants, many small business owners find that it provides the services and flexibility they need. Square will send you a card reader that you can plug into your smartphone and then use to swipe credit cards. This is an excellent option if you have a brick-and-mortar store that requires you to process in-person transactions.

Payline Data

Payline Data is one of the best small business credit card processors because it lets your customers pay in a variety of ways: via a credit card machine, on a POS system you can install on your table, online, or through a mobile phone. You’ll pay based on how much you sell, which means this processor can grow with you as you scale your business. Their customer support is excellent, too, offering around-the-clock telephone support as well as live chat and email support.

Flagship Merchant Services

A lot of small business owners prefer Flagship Merchant Services because of the numerous features they offer. You’ll get setup with a merchant account and various options for processing credit cards, including online, in-person and via mobile. There’s also an option to set up a POS system on your iPad.

Ultimately, the best credit card processor for your small business is the one that takes your specific needs - and the needs of your customers - into account. Choose the option that has the features you need so that you can start accepting credit card payments as soon as possible.


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