{"id":35905,"date":"2024-01-22T12:32:51","date_gmt":"2024-01-22T17:32:51","guid":{"rendered":"https:\/\/chargebacks911.com\/?p=35905"},"modified":"2026-03-23T14:21:08","modified_gmt":"2026-03-23T18:21:08","slug":"internet-processing","status":"publish","type":"post","link":"https:\/\/chargebacks911.com\/internet-processing\/","title":{"rendered":"Internet Processing"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">10 Questions to Ask before Choosing an Internet Credit Card Processor, Plus Our Picks for the Best Providers of 2024<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The global online payments market reached<a href=\"https:\/\/www.clearlypayments.com\/blog\/growth-of-online-payments-in-2023\/\" target=\"_blank\" rel=\"noopener\"> $9.46 trillion in 2023<\/a>. And, dramatic growth is expected to continue for the foreseeable future. Not surprisingly, payment processing is evolving to accommodate consumers' shift to online and mobile shopping.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Processing might seem like a rather dry and boring topic, as compared to other facets of managing an eCommerce operation. It\u2019s incredibly important, though; picking the wrong processor for your needs could cost you thousands of dollars each month.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In this post, we\u2019ll explain the mechanics of internet credit card processing. We\u2019ll examine the different costs involved, and outline some of the unique challenges and risks. We\u2019ll also offer a few suggestions for reputable internet credit card processing services.<\/p>\n\n\n\n<div class=\"embed-container\" style=\"margin-bottom: 5.6rem\">\n    <iframe src=\"https:\/\/www.youtube.com\/embed\/dotgsoDbhaw?si=j0X4qrvEkQiEIp2Z\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div>\n\n\n<div class=\"c-suggested-reading\"><div class=\"c-suggested-reading__inner\"><div class=\"c-suggested-reading__header\"><h3 class=\"c-suggested-reading__headline\">Recommended reading<\/h3><\/div><ul class=\"c-suggested-reading__items\"><li class=\"c-suggested-reading__item\"><a href=\"https:\/\/chargebacks911.com\/merchant-identification-number\/\" class=\"c-suggested-reading__link\">Merchant Identification Numbers | How Do MIDs Work?<\/a><\/li><li class=\"c-suggested-reading__item\"><a href=\"https:\/\/chargebacks911.com\/issuer-declines\/\" class=\"c-suggested-reading__link\">Issuer Declines: 7 Reasons They Happen &amp; How to Fix Them<\/a><\/li><li class=\"c-suggested-reading__item\"><a href=\"https:\/\/chargebacks911.com\/visa-interchange-fees\/\" class=\"c-suggested-reading__link\">Visa Interchange: Processing Rates &amp; Fees, Explained<\/a><\/li><li class=\"c-suggested-reading__item\"><a href=\"https:\/\/chargebacks911.com\/suspicious-activity-reports-sars\/\" class=\"c-suggested-reading__link\">Suspicious Activity Reports: When Do SARs Get Filed &amp; Why?<\/a><\/li><li class=\"c-suggested-reading__item\"><a href=\"https:\/\/chargebacks911.com\/open-banking-rules\/\" class=\"c-suggested-reading__link\">What Is Open Banking? Data to Improve Service &amp; Stop Fraud<\/a><\/li><li class=\"c-suggested-reading__item\"><a href=\"https:\/\/chargebacks911.com\/payment-fraud-detection-prevention\/\" class=\"c-suggested-reading__link\">Top 10 Payment Fraud Detection &amp; Prevention<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">How Internet Credit Card Processing Works<\/h2>\n\n\n\n<dl class=\"definition_box\" class=\"wp-block-cb911-block-library-definitions\"><div class=\"definition\"><div class=\"definition_top\"><h3><dt>Internet Processing<\/dt><\/h3>[noun]\/in \u25cf t\u0259r \u25cf net \u25cf pr\u00e4 \u25cf ses \u25cf ing\/<\/div><dd><p>Internet credit card processing is the method used by merchants to electronically collect funds from debit or credit card transactions.<\/p><\/dd><\/div><\/dl>\n\n\n\n<p class=\"wp-block-paragraph\">When we refer to internet processing, we\u2019re talking specifically about the way payment card transactions work in an eCommerce or mCommerce setting. Before we get too deep into the process, however, let\u2019s take a quick look at the entities involved:<\/p>\n\n\n\n<ul class=\"wp-block-cb911-block-library-checklists c-checklist c-checklist--style-3 c-checklist--color-blue\"><li class=\"c-checklist__item\"><strong>Merchant:<\/strong> A business accepting card payments.<\/li><li class=\"c-checklist__item\"><strong>Cardholder:<\/strong> The owner or authorized user of the credit card.<\/li><li class=\"c-checklist__item\"><strong>Card Networks:<\/strong> Card brands like Visa, Mastercard, American Express, or Discover.<\/li><li class=\"c-checklist__item\"><strong>Acquiring Bank:<\/strong> The bank at which you have your merchant account.<\/li><li class=\"c-checklist__item\"><strong><a class=\"wpil_keyword_link\" href=\"https:\/\/chargebacks911.com\/the-issuing-bank\/\" title=\"Issuing Bank\" data-wpil-keyword-link=\"linked\">Issuing Bank<\/a>:<\/strong> The cardholder\u2019s bank which issued the card used for the purchase.<\/li><li class=\"c-checklist__item\"><strong>Payment Processor:<\/strong> A provider responsible for handling data between parties.<\/li><li class=\"c-checklist__item\"><strong>Payment Gateway:<\/strong> Technology that acts as a bridge between you and the banks.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The entire transaction process starts with the cardholder. Shoppers visit your website, make their selection, and proceed to checkout. Once there, they fill out a web form linking transaction information with personal data such as name, address, shipping details, and credit card information.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Once the webform is completed and submitted, the transaction processing begins. There are for main steps to this operation:<\/p>\n\n\n\n<div class=\"p-article-block__four-stacked-boxes\">\n\n    <div class=\"p-four-stacked-box\">\n        <div class=\"p-four-stacked-box__icon\">\n            <img decoding=\"async\" src=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2023\/12\/NEW-ICONS-DuoTone-personalized-banking-bank-bank-card-client.svg\" alt=\"\"\/>\n        <\/div>\n        <div class=\"p-four-stacked-box__content\">\n            <h3 class=\"p-four-stacked-box__title p-four-stacked-box__title--center\">Authorizing<\/h3>\n            <p class=\"p-four-stacked-box__description\">Before the order is accepted, the bank must authorize the transaction. This means ensuring that the card hasn\u2019t been reported stolen, and the cardholder has sufficient funds or credit available.<\/p>\n        <\/div>\n    <\/div>\n\n      <div class=\"p-four-stacked-box\">\n        <div class=\"p-four-stacked-box__icon\">\n            <img decoding=\"async\" src=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2021\/04\/NEW-ICONS-DuoTone-receipts.svg\" alt=\"\"\/>\n        <\/div>\n        <div class=\"p-four-stacked-box__content\">\n            <h3 class=\"p-four-stacked-box__title p-four-stacked-box__title--center\">Batching<\/h3>\n            <p class=\"p-four-stacked-box__description\">The merchant submits a collection (batch) of transactions for processing at one time, typically the end of the day. The batch is then forwarded to the appropriate card network by the acquiring bank.<\/p>\n        <\/div>\n    <\/div>\n\n    <div class=\"p-four-stacked-box\">\n        <div class=\"p-four-stacked-box__icon\">\n            <img decoding=\"async\" src=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2021\/10\/NEW-ICONS-DuoTone-Lineal-Icons_DuoTone-Iconz_DuoTone-Iconz-37.svg\" alt=\"\"\/>\n        <\/div>\n        <div class=\"p-four-stacked-box__content\">\n            <h3 class=\"p-four-stacked-box__title p-four-stacked-box__title--center\">Clearing<\/h3>\n            <p class=\"p-four-stacked-box__description\">The card network passes transaction details to the issuer, which charges or debits the cardholder\u2019s account. The issuer then transmits the funds from the payment back to the acquiring bank.<\/p>\n        <\/div>\n    <\/div>\n\n    <div class=\"p-four-stacked-box\">\n        <div class=\"p-four-stacked-box__icon\">\n            <img decoding=\"async\" src=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/10\/NEW-ICONS-DuoTone-store-card.svg\" alt=\"\"\/>\n        <\/div>\n        <div class=\"p-four-stacked-box__content\">\n            <h3 class=\"p-four-stacked-box__title p-four-stacked-box__title--center\">Funding<\/h3>\n            <p class=\"p-four-stacked-box__description\">The acquiring bank deposits funds into your merchant account (less any applicable fees). At this point, the funds are available for use, and the transaction is effectively complete.<\/p>\n        <\/div>\n    <\/div>\n    \n<\/div>\n\n\n\n<div class=\"p-article-alert--red\">\n    <span class=\"p-article-alert--red__icon\">\n        <object data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2020\/03\/reminder-hands-01.svg\" width=\"20\" height=\"20\"><\/object>\n    <\/span>\n    <span class=\"p-article-alert--red__heading\">Important!<\/span>\n    <p class=\"p-article-alert--red__description\"><em>Real-time credit card processing services are an option. These service providers merge some of these steps to complete an entire transaction at the time of sale. That can be beneficial in some regards, but it will increase overall processing costs. Also, it prevents later adjustments to the sales amount, which can be problematic for service industries that involve tipping.<\/em><\/p>\n<\/div>\n\n\n\n<div class=\"c-shortcode-ebook c-shortcode-ebook--guide\"><a href=\"https:\/\/ad.chargebacks911.com\/geeks-guide\/?test\" class=\"c-shortcode-ebook__block\" target=\"_blank\"><div class=\"c-shortcode-ebook__inner\"><div class=\"c-shortcode-ebook__graphics\"><div class=\"c-shortcode-ebook__graphics-inner\"><div class=\"c-shortcode-ebook__ipad\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/chargebacks911.com\/wp-content\/themes\/CB911\/assets\/img\/shortcodes\/ebooks\/ipad--geeks.png\" alt=\"The\" geeks=\"\" guide=\"\" to=\"\" chargebacks=\"\"\/>\n\t\t\t<\/div>\n\t\t\t<div class=\"c-shortcode-ebook__cover\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/chargebacks911.com\/wp-content\/themes\/CB911\/assets\/img\/shortcodes\/ebooks\/cover--geeks.png\" alt=\"The\" geeks=\"\" guide=\"\" to=\"\" chargebacks=\"\"\/>\n\t\t\t<\/div><\/div><\/div><div class=\"c-shortcode-ebook__content\"><span class=\"c-shortcode-ebook__title\"><span>Become a Full-Fledged<\/span> Chargeback Genius<\/span><p class=\"c-shortcode-ebook__description\">The only resource you need to become an expert on chargebacks, customer disputes, and friendly fraud.<\/p><span class=\"c-btn c-btn--primary c-shortcode-ebook__btn\">Download the Guide<\/span><\/div><\/div><div class=\"c-shortcode-ebook__close\" data-shortcode-ebook-close=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 20 20\" fill=\"currentColor\"><path fill-rule=\"evenodd\" d=\"M4.293 4.293a1 1 0 011.414 0L10 8.586l4.293-4.293a1 1 0 111.414 1.414L11.414 10l4.293 4.293a1 1 0 01-1.414 1.414L10 11.414l-4.293 4.293a1 1 0 01-1.414-1.414L8.586 10 4.293 5.707a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg><\/div><\/a><div class=\"c-shortcode-ebook__overlay\"><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Internet Credit Card Processing: Fee Structures<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Obviously, internet credit card processing service providers don\u2019t work for free. So, it\u2019s important that you understand the fee structure that will be applied before you sign up for service.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Different processors use different fee structures. The three primary models include tiered pricing, flat-rate (subscription) pricing, and markup pricing.<\/p>\n\n\n\n<div class=\"p-article-block__horizontally-stacked-boxes\">\n    \n    <div class=\"p-horizontally-stacked-box\">\n            <span class=\"p-horizontally-stacked-box__icon\">\n                    <img decoding=\"async\" src=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2023\/04\/NEW-ICONS-DuoTone-money-in-hand.svg\" alt=\"\"\/>\n            <\/span>\n            <span class=\"p-horizontally-stacked-box__content\">\n                <h3 class=\"p-horizontally-stacked-box__title\">Tiered Pricing<\/h3>\n                <span class=\"p-horizontally-stacked-box__description\">In this model, the fee rate depends on the type of transaction. The best rates only apply to select transactions, such as those involving debit or non-reward credit cards made with a physical card (swiped or dipped). The downside here is that you\u2019ll almost always pay more for online or mobile purchases, which are <a href=\"https:\/\/chargebacks911.com\/high-risk-business\/\">considered high-risk<\/a>. Because <a href=\"https:\/\/chargebacks911.com\/what-is-cnp-commerce\/\" title=\"What is CNP Commerce?\" data-wpil-monitor-id=\"1848\">card-not-present sales<\/a> typically necessitate higher rates, tiered pricing isn\u2019t the best option for online-first businesses.<\/span>\n            <\/span>\n    <\/div>\n\n    <div class=\"p-horizontally-stacked-box\">\n        <span class=\"p-horizontally-stacked-box__icon\">\n                <img decoding=\"async\" src=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2023\/04\/NEW-ICONS-DuoTone-money-in-hand.svg\" alt=\"\"\/>\n        <\/span>\n        <span class=\"p-horizontally-stacked-box__content\">\n            <h3 class=\"p-horizontally-stacked-box__title\">Markup Pricing<\/h3>\n            <span class=\"p-horizontally-stacked-box__description\">With markup pricing, merchants will have a payment provider <a href=\"https:\/\/chargebacks911.com\/interchange-fees\/\">interchange fee<\/a> (a handling fee paid to the issuing bank) plus an additional markup, usually a fixed percentage of each transaction. Markups can range from 0.25% to 2.75%, but that number is potentially negotiable depending on your contract. The downside to markup pricing is that interchange fees can vary depending on the transaction type, making it hard to forecast budgetary needs.<\/span>\n        <\/span>\n    <\/div>\n\n    <div class=\"p-horizontally-stacked-box\">\n        <span class=\"p-horizontally-stacked-box__icon\">\n                <img decoding=\"async\" src=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2023\/04\/NEW-ICONS-DuoTone-money-in-hand.svg\" alt=\"\"\/>\n        <\/span>\n        <span class=\"p-horizontally-stacked-box__content\">\n            <h3 class=\"p-horizontally-stacked-box__title\">Flat-Rate Pricing<\/h3>\n            <span class=\"p-horizontally-stacked-box__description\">If cost predictability is an issue, flat-rate pricing may be a good choice. Merchants pay a consistent, monthly \u201csubscription\u201d fee for the service, plus a predetermined amount per transaction. In most plans, the subscription fee will be the same every month, and the transaction fee will be the same for every sale. That makes it easier to estimate your total monthly transaction costs.<\/span>\n        <\/span>\n    <\/div>\n\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Internet Credit Card Processing: Other Fees<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In their advertising, internet credit card processing companies often tout their low rates. There\u2019s nothing wrong with that, obviously. But, if you\u2019re shopping for a provider, keep in mind that the advertised rate might not tell the whole story.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There\u2019s a wide range of other fees which may impact your final cost, such as:<\/p>\n\n\n\n<ul class=\"wp-block-cb911-block-library-checklists c-checklist c-checklist--style-1 c-checklist--color-red two-column-list\"><li class=\"c-checklist__item\">Application Fees<\/li><li class=\"c-checklist__item\">Setup Fees<\/li><li class=\"c-checklist__item\">Gateway Integration Fees<\/li><li class=\"c-checklist__item\">Per-Transaction Gateway Fees<\/li><li class=\"c-checklist__item\">Transaction or Batch Fees<\/li><li class=\"c-checklist__item\">Software Fees<\/li><li class=\"c-checklist__item\">Statement Fees<\/li><li class=\"c-checklist__item\">Reporting Fees<\/li><li class=\"c-checklist__item\">PCI Compliance\/Certification Fees<\/li><li class=\"c-checklist__item\">Ongoing or expanded Customer Support Fees<\/li><li class=\"c-checklist__item\">Refund Fees<\/li><li class=\"c-checklist__item\"><a class=\"wpil_keyword_link\" href=\"https:\/\/chargebacks911.com\/fraud-prevention\/address-verification-service\/\" title=\"Address Verification Service\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"3568\">Address Verification<\/a> Fees<\/li><li class=\"c-checklist__item\">Monthly Minimums or Recurring Payments Fees<\/li><li class=\"c-checklist__item\">Cancellation Fees<\/li><li class=\"c-checklist__item\">Merchant Account fees<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Some of the various charges are one-time only. Others range from $10-20 per month, or could be applied on a per-transaction basis.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Few providers will require <em>all <\/em>of these, of course; some might have all those costs built into their rate. The important thing for merchants is remembering to ask about comprehensive pricing before settling on a provider.<\/p>\n\n\n<div class=\"cta-ab\"><span class=\"cta-ab__cta-content\"> Trouble navigating the processing landscape? We can help make your online transactions less vulnerable to <a class=\"wpil_keyword_link\" href=\"https:\/\/chargebacks911.com\/chargebacks\/\" title=\"Chargebacks 101\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1849\">chargebacks<\/a>.<\/span><span class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-f46a4ca9-3755-4911-b18a-8ad344729c8e\"><span class=\"hs-cta-node hs-cta-f46a4ca9-3755-4911-b18a-8ad344729c8e\" id=\"hs-cta-f46a4ca9-3755-4911-b18a-8ad344729c8e\"><!--[if lte IE 8]><div id=\"hs-cta-ie-element\"><\/div><![endif]--><a href=\"#\"  target=\"_blank\" data-open-demo-modal><img decoding=\"async\"  class=\"hs-cta-img\" id=\"hs-cta-img-f46a4ca9-3755-4911-b18a-8ad344729c8e\" style=\"border-width:0px;\" src=\"https:\/\/no-cache.hubspot.com\/cta\/default\/2611577\/f46a4ca9-3755-4911-b18a-8ad344729c8e.png\"  alt=\"REQUEST A DEMO\"\/><\/a><\/span><\/span><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Questions to Ask When Choosing a Provider<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Total overall cost is a huge consideration when you\u2019re in the market for processing. It\u2019s not the only concern, though. In addition to transparent pricing, there are other factors you should be careful to discuss before signing with an internet processor. For example:<\/p>\n\n\n\n<div class=\"accordion\" id=\"accordionExample\">\n  <div class=\"accordion-item\">\n    <div class=\"accordion-header\">\n      <button class=\"accordion-button\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapseOne\" aria-expanded=\"true\" aria-controls=\"collapseOne\">\n        <h3>What Payment Methods Do You Support?<\/h3>\n      <\/button>\n    <\/div>\n    <div id=\"collapseOne\" class=\"accordion-collapse collapse show\" data-bs-parent=\"#accordionExample\">\n      <div class=\"accordion-body\">\n        <p>One sure-fire recipe for <a href=\"https:\/\/chargebacks911.com\/shopping-cart-abandonment\/\">cart abandonment<\/a>? A customer with a fully loaded cart that gets blocked at checkout because your business can\u2019t accept the card they planned to use. To avoid that scenario, make sure your processor supports all major credit cards, as many minor ones as possible, and other options such as gift cards. If you\u2019re planning to accept <a data-wpil=\"url\" href=\"https:\/\/chargebacks911.com\/banking\/payment-processing\/alternative-payments\/\">alternate payment methods<\/a> like digital wallets, be sure the processor supports that.<\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <div class=\"accordion-item\">\n    <div class=\"accordion-header\">\n      <button class=\"accordion-button\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapseTwo\" aria-expanded=\"true\" aria-controls=\"collapseTwo\">\n        <h3>Do You Offer Fraud & Chargeback Protection?<\/h3>\n      <\/button>\n    <\/div>\n    <div id=\"collapseTwo\" class=\"accordion-collapse collapse\" data-bs-parent=\"#accordionExample\">\n      <div class=\"accordion-body\">\n        <p>Security is a serious concern with credit card processing. While there are numerous <a href=\"https:\/\/ad.chargebacks911.com\/50-insider-tips-for-preventing-chargebacks?_gl=1*9vhv9g*_gcl_au*MTEwNTQ2Njc4My4xNzAzNzczMTgy\" target=\"_blank\" rel=\"noopener\">fraud prevention practices<\/a> you could (and should) be implementing, reputable payment processors often offer fraud detection technology, as well as a system to assist you with any chargebacks that do occur. Ideally, your processor\u2019s platform should also be flexible enough to integrate with third-party chargeback providers like Chargebacks911\u00ae, which offers <a href=\"https:\/\/chargebacks911.com\/merchant-solutions\/\">proprietary techniques that your processor can\u2019t<\/a>.<\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n\n<div class=\"accordion-item\">\n    <div class=\"accordion-header\">\n      <button class=\"accordion-button\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapseThree\" aria-expanded=\"true\" aria-controls=\"collapseThree\">\n        <h3>How Long Until I Get Funds From the Sale?<\/h3>\n      <\/button>\n    <\/div>\n    <div id=\"collapseThree\" class=\"accordion-collapse collapse\" data-bs-parent=\"#accordionExample\">\n      <div class=\"accordion-body\">\n        <p>Ultimately, payouts from credit card transactions are dependent on your online processor and your <a class=\"wpil_keyword_link\" href=\"https:\/\/chargebacks911.com\/the-acquiring-bank\/\" title=\"acquirer\" data-wpil-keyword-link=\"linked\">acquirer<\/a>. The amount may appear in your merchant account, but the sale needs to be settled before you can access the money. The industry norm for transferring funds is 24-48 hours, so be wary of any provider whose transfer estimates deviate wildly from this standard.<\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n\n<div class=\"accordion-item\">\n    <div class=\"accordion-header\">\n      <button class=\"accordion-button\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapseFour\" aria-expanded=\"true\" aria-controls=\"collapseFour\">\n        <h3>What are My Customer Service Options?<\/h3>\n      <\/button>\n    <\/div>\n    <div id=\"collapseFour\" class=\"accordion-collapse collapse\" data-bs-parent=\"#accordionExample\">\n      <div class=\"accordion-body\">\n        <p>Will your processor provider be available when you need them? Low processing rates won\u2019t mean much if the system fails and you can\u2019t reach a customer service rep. Before you sign a contract, you need to understand the hours of operation, methods of communication, and typical response times for assistance. 24\/7 access is best, but some processors may even offer dedicated customer support agents.<\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n\n<div class=\"accordion-item\">\n    <div class=\"accordion-header\">\n      <button class=\"accordion-button\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapseFive\" aria-expanded=\"true\" aria-controls=\"collapseFive\">\n        <h3>Do You Have Payment Processing Limits?<\/h3>\n      <\/button>\n    <\/div>\n    <div id=\"collapseFive\" class=\"accordion-collapse collapse\" data-bs-parent=\"#accordionExample\">\n      <div class=\"accordion-body\">\n        <p>Many online payment processors only allow a limited number of transactions per month, especially for new customers. A cap might seem inconsequential now. But, you need to think about whether the service can scale with you as you grow. Ask how long any such limits will be in effect and the process for changing them, if necessary. Along the same lines, some providers have monthly quotas, and you could be charged if you fail to process the minimum number of transactions every month.<\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n\n<div class=\"accordion-item\">\n    <div class=\"accordion-header\">\n      <button class=\"accordion-button\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapseSix\" aria-expanded=\"true\" aria-controls=\"collapseSix\">\n        <h3>Do You Require a Long-Term Contract?<\/h3>\n      <\/button>\n    <\/div>\n    <div id=\"collapseSix\" class=\"accordion-collapse collapse\" data-bs-parent=\"#accordionExample\">\n      <div class=\"accordion-body\">\n        <p>While contracts are a standard practice with processors, a three-, four-, or five-year commitment is unreasonable. Annual, biannual, or month-to-month agreements are more typical. Even then, you may still need to cancel for some reason, so be clear about terms and fees involved with terminating the relationship.<\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n\n<div class=\"accordion-item\">\n    <div class=\"accordion-header\">\n      <button class=\"accordion-button\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapseSeven\" aria-expanded=\"true\" aria-controls=\"collapseSeven\">\n        <h3>Are You PCI Compliant?<\/h3>\n      <\/button>\n    <\/div>\n    <div id=\"collapseSeven\" class=\"accordion-collapse collapse\" data-bs-parent=\"#accordionExample\">\n      <div class=\"accordion-body\">\n        <p>The <a href=\"https:\/\/chargebacks911.com\/pci-dss-compliance\/\">Payment Card Industry Data Security Standard<\/a> (PCI-DSS, or simply PCI ) is a rigorous standard to secure cardholder information. For internet processing, all merchants must adhere to strict security protocols concerning how data is used and stored. It\u2019s critical to sign on with a payment processor whose systems, network, and practices are fully PCI-compliant.<\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n\n<div class=\"accordion-item\">\n    <div class=\"accordion-header\">\n      <button class=\"accordion-button\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapseEight\" aria-expanded=\"true\" aria-controls=\"collapseEight\">\n        <h3>Is Your Service Compatible With My Business?<\/h3>\n      <\/button>\n    <\/div>\n    <div id=\"collapseEight\" class=\"accordion-collapse collapse\" data-bs-parent=\"#accordionExample\">\n      <div class=\"accordion-body\">\n        <p>If your processing provider can\u2019t fully integrate with your eCommerce platform, it could lead to longer checkout times, frustrated shoppers, and shopping cart abandonment. Everything should work together to create a seamless checkout experience. You\u2019ll also want processing to play nice with accounting software, automatically posting payments, reconciling the ledger, and so forth.<\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n\n<div class=\"accordion-item\">\n    <div class=\"accordion-header\">\n      <button class=\"accordion-button\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapseNine\" aria-expanded=\"true\" aria-controls=\"collapseNine\">\n        <h3>What Kind of Reporting Do You Offer?<\/h3>\n      <\/button>\n    <\/div>\n    <div id=\"collapseNine\" class=\"accordion-collapse collapse\" data-bs-parent=\"#accordionExample\">\n      <div class=\"accordion-body\">\n        <p>Transparent reporting can be a critical part of understanding the return on your processing investment. Untangling all your various payment processing fees each month, however, can sometimes seem impossible. Look for a provider platform with easily produced, user-friendly reporting. Ask to see examples of reports upfront, so you can see for yourself if they meet your needs.<\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n\n<\/div>\n\n\n\n<div class=\"c-shortcode-ebook c-shortcode-ebook--whitepaper\"><a href=\"https:\/\/ad.chargebacks911.com\/beyond-reason-codes-whitepaper\" class=\"c-shortcode-ebook__block\" target=\"_blank\"><div class=\"c-shortcode-ebook__inner\"><div class=\"c-shortcode-ebook__graphics\"><div class=\"c-shortcode-ebook__graphics-inner\"><div class=\"c-shortcode-ebook__ipad\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/chargebacks911.com\/wp-content\/themes\/CB911\/assets\/img\/shortcodes\/ebooks\/ipad--beyond-reason-codes.png\" alt=\"Beyond\" reason=\"\" codes=\"\"\/>\n\t\t\t<\/div>\n\t\t\t<div class=\"c-shortcode-ebook__cover\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/chargebacks911.com\/wp-content\/themes\/CB911\/assets\/img\/shortcodes\/ebooks\/cover--beyond-reason-codes.png\" alt=\"Beyond\" reason=\"\" codes=\"\"\/>\n\t\t\t<\/div><\/div><\/div><div class=\"c-shortcode-ebook__content\"><span class=\"c-shortcode-ebook__title\"><span>Learn the #1<\/span> Chargeback Management Secret!<\/span><p class=\"c-shortcode-ebook__description\">This detailed report shows why traditional attempts to combat chargebacks fail and how one fundamental misunderstanding is at the heart of most chargeback management mistakes.<\/p><span class=\"c-btn c-btn--primary c-shortcode-ebook__btn\">Download the FREE Whitepaper<\/span><\/div><\/div><div class=\"c-shortcode-ebook__close\" data-shortcode-ebook-close=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 20 20\" fill=\"currentColor\"><path fill-rule=\"evenodd\" d=\"M4.293 4.293a1 1 0 011.414 0L10 8.586l4.293-4.293a1 1 0 111.414 1.414L11.414 10l4.293 4.293a1 1 0 01-1.414 1.414L10 11.414l-4.293 4.293a1 1 0 01-1.414-1.414L8.586 10 4.293 5.707a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg><\/div><\/a><div class=\"c-shortcode-ebook__overlay\"><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Best Internet Credit Card Processing Companies<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">We took a detailed look at today's highest-rated payment processing companies and developed a comprehensive rundown of the leading service providers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ratings and reviews were averaged based on sources featured by <a href=\"https:\/\/www.forbes.com\/advisor\/business\/software\/best-credit-card-processing-companies\/\" target=\"_blank\" rel=\"noopener\">Forbes<\/a>, <a href=\"https:\/\/www.nerdwallet.com\/best\/small-business\/credit-card-processing-companies\" target=\"_blank\" rel=\"noopener\">Nerdwallet<\/a>, and <a href=\"https:\/\/www.techradar.com\/best\/best-payment-gateways\" target=\"_blank\" rel=\"noopener\">TechRadar<\/a>. The pros and cons listed are paraphrased directly from real, firsthand customer reviews on <a href=\"https:\/\/www.g2.com\/categories\/payment-processing\" target=\"_blank\" rel=\"noopener\">G2.com<\/a>.<\/p>\n\n\n<div class=\"parentbox\">\n<p><span class=\"imgbox\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-41928\" src=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/Company-Squares-PayJunction-19.svg\" width=\"125\" height=\"125\" alt=\"\"\/><\/span><\/p>\n<div class=\"txtbox\">\n<h3 class=\"header\">#1 | PayJunction<\/h3>\n<p class=\"subheader\">\u201cBest Payment Processor for Balanced Service\u201d<\/p>\n<p>PayJunction provides small and medium-sized businesses with solutions that make it easy to accept credit and debit card payments in-store, online, and on the go. They deliver secure, innovative services, including a contactless payment system for in-person transactions, plus eco-friendly remote payment features like digital invoicing, signatures, and receipts.<\/p>\n<p>PayJunction\u2019s cloud-powered payment solution easily and securely integrates with industry-leading business software and management platforms. This is done via RESTful APIs for businesses seeking an <a title=\"Integrated Payments\" href=\"https:\/\/chargebacks911.com\/integrated-payments\/\">integrated payments solution<\/a>. Companies looking for a stand-alone, out-of-the-box solution should look no further.<\/p>\n<\/div>\n<\/div>\n<div class=\"leftpad\"><strong>Platforms:<\/strong><br \/><div class=\"c-share-svg c-share-svg--hover\">\r\n\t\t\t\t\t\t<div class=\"c-share-svg__inner\">\r\n\t\t\t\t\t\t\t<object type=\"image\/svg+xml\" data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/POS-Charts2-01.svg\" width=\"100%\" height=\"100%\" class=\"c-share-svg__object c-share-svg__object--desktop\"><\/object>\r\n\t\t\t\t\t\t\t<object type=\"image\/svg+xml\" data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/POS-Charts2-01.svg\" width=\"100%\" height=\"100%\" class=\"c-share-svg__object c-share-svg__object--mobile\"><\/object>\r\n\t\t\t\t\t\t<\/div>\r\n\r\n\t\t\t\t\t\t<div class=\"c-share-svg__hover\">\r\n\t\t\t\t\t\t\t<button class=\"c-share-svg__button js-share-svg-button\" data-source=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/POS-Charts2-01.svg\" data-url=\"https:\/\/chargebacks911.com\/internet-processing\/\">Embed This Graphic<\/button>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\n<div class=\"procon\">\n<div class=\"col-md-6\">\n<p class=\"headblue\">Pros:<\/p>\n<p><span style=\"font-weight: 400;\"><\/span><\/p>\n<ul class=\"c-checklist c-checklist--style-1 c-checklist--color-blue\">\n<li class=\"c-checklist__item\">Outstanding, personable customer support<\/li>\n<li class=\"c-checklist__item\">Clean and concise reporting<\/li>\n<li class=\"c-checklist__item\">Accurate and easy-to-use online portal and <a href=\"https:\/\/chargebacks911.com\/point-of-sale\/\" title=\"Point of Sale\" data-wpil-monitor-id=\"1248\">POS terminals<\/a><\/li>\n<\/ul>\n\n<\/div>\n<div class=\"col-md-6 pcborder2\">\n<p class=\"headred\">Cons:<\/p>\n<p><span style=\"font-weight: 400;\"><\/span><\/p>\n<ul class=\"c-checklist c-checklist--style-2\">\n<li class=\"c-checklist__item\">In some cases, <a title=\"Credit Card Processing Fees\" data-wpil=\"url\" href=\"https:\/\/chargebacks911.com\/banking\/payment-processing\/credit-card-processing-fees\/\">processing fees<\/a> are deducted daily instead of monthly<\/li>\n<li class=\"c-checklist__item\">For a multi-location business, transaction limits cannot be extended or applied to sister locations<\/li>\n<li class=\"c-checklist__item\">Limited mobile processing options<\/li>\n<\/ul>\n\n<\/div>\n<\/div>\n<p class=\"clearin\"><strong>Pricing:<\/strong> Two-tier, volume-based pricing<\/p>\n<p><strong>Transaction Fees:<\/strong> Interchange + 0.75% per transaction. Additional fee of $0.07 for swiped credit card transaction, which may vary depending on card\/transaction type.<\/p>\n<div class=\"greybg\">\n<p><strong>Extra Perks:<\/strong><span style=\"font-weight: 400;\"><\/span><\/p>\n<ul class=\"c-checklist c-checklist--style-4\">\n<li class=\"c-checklist__item\">Month-to-month service<\/li>\n<li class=\"c-checklist__item\">Securely store and recharge cards on file<\/li>\n<li class=\"c-checklist__item\">Streamlined electronic invoice payments<\/li>\n<li class=\"c-checklist__item\">Automated sales reports<\/li>\n<li class=\"c-checklist__item\">Hosted checkout<\/li>\n<\/ul>\n\n<\/div>\n<\/div>\n<hr \/>\n<div class=\"parentbox\">\n<p><span class=\"imgbox\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-41928\" src=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/Company-Squares-payline.svg\" width=\"125\" height=\"125\" alt=\"\"\/><\/span><\/p>\n<div class=\"txtbox\">\n<h3 class=\"header\">#2 | Payline<\/h3>\n<p class=\"subheader\">\u201cBest Payment Processor for Brick-and-Mortar\u201d<\/p>\n<p>Payline is a Pineapple Payments company headquartered in Chicago, Illinois. They provide solutions to businesses ranging from startups to Fortune 500 companies, focusing on the payment experience.<\/p>\n<p>Payline offers gateway payment processing, and its web solutions are designed to integrate with over 175 online shopping carts. The company also offers mobile solutions designed to accept payments via mobile apps. The Payline payment processing gateway also integrates with QuickBooks for ease of payroll management and business financials in general.<\/p>\n<p>Pricing for brick-and-mortar stores includes a monthly fee, plus a small percentage fee per transaction. For online stores, the monthly and transaction fees are a little higher.<\/p>\n<\/div>\n<\/div>\n<div class=\"leftpad\"><strong>Platforms:<\/strong><br \/><div class=\"c-share-svg c-share-svg--hover\">\r\n\t\t\t\t\t\t<div class=\"c-share-svg__inner\">\r\n\t\t\t\t\t\t\t<object type=\"image\/svg+xml\" data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/POS-Charts2-01.svg\" width=\"100%\" height=\"100%\" class=\"c-share-svg__object c-share-svg__object--desktop\"><\/object>\r\n\t\t\t\t\t\t\t<object type=\"image\/svg+xml\" data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/POS-Charts2-01.svg\" width=\"100%\" height=\"100%\" class=\"c-share-svg__object c-share-svg__object--mobile\"><\/object>\r\n\t\t\t\t\t\t<\/div>\r\n\r\n\t\t\t\t\t\t<div class=\"c-share-svg__hover\">\r\n\t\t\t\t\t\t\t<button class=\"c-share-svg__button js-share-svg-button\" data-source=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/POS-Charts2-01.svg\" data-url=\"https:\/\/chargebacks911.com\/internet-processing\/\">Embed This Graphic<\/button>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\n<div class=\"procon\">\n<div class=\"col-md-6\">\n<p class=\"headblue\">Pros:<\/p>\n<p><span style=\"font-weight: 400;\"><\/span><\/p>\n<ul class=\"c-checklist c-checklist--style-1 c-checklist--color-blue\">\n<li class=\"c-checklist__item\">Easy to use and set up<\/li>\n<li class=\"c-checklist__item\">No early termination fees<\/li>\n<li class=\"c-checklist__item\">Excellent customer service and clarity are guaranteed<\/li>\n<\/ul>\n\n<\/div>\n<div class=\"col-md-6 pcborder2\">\n<p class=\"headred\">Cons:<\/p>\n<p><span style=\"font-weight: 400;\"><\/span><\/p>\n<ul class=\"c-checklist c-checklist--style-2\">\n<li class=\"c-checklist__item\">Occasional program glitches noted by customers<\/li>\n<li class=\"c-checklist__item\">Transaction costs are not fully transparent<\/li>\n<li class=\"c-checklist__item\">Not available outside the US<\/li>\n<\/ul>\n\n<\/div>\n<\/div>\n<p class=\"clearin\"><strong>Pricing:<\/strong> Call for a free quote<\/p>\n<p><strong>Transaction Fees:<\/strong> In-person transactions are 0.2% + $0.20 per transaction, and a fee of $20 per month. <a class=\"wpil_keyword_link \" title=\"CNP transactions\" href=\"https:\/\/chargebacks911.com\/card-not-present-transactions\/\" data-wpil-keyword-link=\"linked\">CNP transactions<\/a> are 0.4% + $0.20 per transaction, plus the $20 monthly fee.<\/p>\n<div class=\"greybg\">\n<p><strong>Extra Perks:<\/strong><span style=\"font-weight: 400;\"><\/span><\/p>\n<ul class=\"c-checklist c-checklist--style-4\">\n<li class=\"c-checklist__item\">Built-in security and fraud protection<\/li>\n<li class=\"c-checklist__item\">Mobile app integration<\/li>\n<li class=\"c-checklist__item\">Lower monthly fee<\/li>\n<\/ul>\n\n<\/div>\n<\/div>\n<hr \/>\n<div class=\"parentbox\">\n<p><span class=\"imgbox\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-41928\" src=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/Company-Squares-stripe.svg\" width=\"125\" height=\"125\" alt=\"\"\/><\/span><\/p>\n<div class=\"txtbox\">\n<h3 class=\"header\">#3 | Stripe<\/h3>\n<p class=\"subheader\">\u201cBest Payment Processor for Payments Technology\u201d<\/p>\n<p>According to Forbes, Stripe outshines its competitors in terms of online payments because it accepts all types of mobile wallets. They take Apple Pay and Google Pay, plus popular international wallets like <a title=\"Alipay\" href=\"https:\/\/chargebacks911.com\/alipay\/\">Alipay and WeChat Pay<\/a>. Stripe also lets merchants accept payments or recurring charges with <a title=\"ACH Return Codes\" href=\"https:\/\/chargebacks911.com\/ach-return-codes\/\">ACH debit, ACH credit or wire transfers<\/a> for an 0.8% fee (capped at $5).<\/p>\n<p>Stripe is designed for larger firms, and offers a plethora of APIs that allow merchants to create their own subscription services, on-demand marketplaces, or crowdfunding platforms. It supports a range of development languages, including Ruby, Python, PHP and Java.<\/p>\n<p>The company also offers credit card readers that integrate with popular eCommerce and accounting software, <a href=\"https:\/\/chargebacks911.com\/shopify-statistics\/\" title=\"Shopify Statistics\" data-wpil-monitor-id=\"2842\">including Shopify<\/a>, WooCommerce and Xero. Payouts are typically available within two days but you can also choose instant payouts for an additional 1% ($0.50 minimum). Stripe also offers 24\/7 email, chat, and phone support.<\/p>\n<\/div>\n<\/div>\n<div class=\"leftpad\"><strong>Platforms:<\/strong><br \/><div class=\"c-share-svg c-share-svg--hover\">\r\n\t\t\t\t\t\t<div class=\"c-share-svg__inner\">\r\n\t\t\t\t\t\t\t<object type=\"image\/svg+xml\" data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/POS-Charts2-01.svg\" width=\"100%\" height=\"100%\" class=\"c-share-svg__object c-share-svg__object--desktop\"><\/object>\r\n\t\t\t\t\t\t\t<object type=\"image\/svg+xml\" data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/POS-Charts2-01.svg\" width=\"100%\" height=\"100%\" class=\"c-share-svg__object c-share-svg__object--mobile\"><\/object>\r\n\t\t\t\t\t\t<\/div>\r\n\r\n\t\t\t\t\t\t<div class=\"c-share-svg__hover\">\r\n\t\t\t\t\t\t\t<button class=\"c-share-svg__button js-share-svg-button\" data-source=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/POS-Charts2-01.svg\" data-url=\"https:\/\/chargebacks911.com\/internet-processing\/\">Embed This Graphic<\/button>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\n<div class=\"procon\">\n<div class=\"col-md-6\">\n<p class=\"headblue\">Pros:<\/p>\n<p><span style=\"font-weight: 400;\"><\/span><\/p>\n<ul class=\"c-checklist c-checklist--style-1 c-checklist--color-blue\">\n<li class=\"c-checklist__item\">Faster, frictionless payments<\/li>\n<li class=\"c-checklist__item\">Seamless to set up and use, and comes with a variety of integration options<\/li>\n<li class=\"c-checklist__item\">One of the best tools for collecting payments from different countries\/currencies<\/li>\n<\/ul>\n\n<\/div>\n<div class=\"col-md-6 pcborder2\">\n<p class=\"headred\">Cons:<\/p>\n<p><span style=\"font-weight: 400;\"><\/span><\/p>\n<ul class=\"c-checklist c-checklist--style-2\">\n<li class=\"c-checklist__item\">Requires fundamental tech savvy to operate (large learning curve)<\/li>\n<li class=\"c-checklist__item\">Stripe has <a href=\"https:\/\/chargebacks911.com\/square-disputes\/\" title=\"Square Disputes\" data-wpil-monitor-id=\"337\">slightly higher fees than Square<\/a>, and takes a day longer to deposit funds<\/li>\n<li class=\"c-checklist__item\">Spotty customer service where troubleshooting is involved<\/li>\n<\/ul>\n\n<\/div>\n<\/div>\n<p class=\"clearin\"><strong>Pricing:<\/strong> Flat rate pricing, with $0 monthly fees<\/p>\n<p><strong>Transaction Fees:<\/strong> 2.7% + $0.05 per transaction for card-present payments. 2.9% + $0.30 per transaction for online or manually keyed-in payments.<\/p>\n<div class=\"greybg\">\n<p><strong>Extra Perks:<\/strong><span style=\"font-weight: 400;\"><\/span><\/p>\n<ul class=\"c-checklist c-checklist--style-4\">\n<li class=\"c-checklist__item\">Global processing<\/li>\n<li class=\"c-checklist__item\">Omnichannel<\/li>\n<li class=\"c-checklist__item\">Instant payouts available<\/li>\n<li class=\"c-checklist__item\">Transparent pricing structure<\/li>\n<\/ul>\n\n<\/div>\n<\/div>\n<div class=\"cta-ab\"><span class=\"cta-ab__cta-content\">\n<p>Take the \u201cpain\u201d out of payments. Accept more sales without increasing your chargeback risk.<\/p>\n<\/span><span class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-f46a4ca9-3755-4911-b18a-8ad344729c8e\"><span class=\"hs-cta-node hs-cta-f46a4ca9-3755-4911-b18a-8ad344729c8e\" id=\"hs-cta-f46a4ca9-3755-4911-b18a-8ad344729c8e\"><!--[if lte IE 8]><div id=\"hs-cta-ie-element\"><\/div><![endif]--><a href=\"#\"  target=\"_blank\" data-open-demo-modal><img decoding=\"async\"  class=\"hs-cta-img\" id=\"hs-cta-img-f46a4ca9-3755-4911-b18a-8ad344729c8e\" style=\"border-width:0px;\" src=\"https:\/\/no-cache.hubspot.com\/cta\/default\/2611577\/f46a4ca9-3755-4911-b18a-8ad344729c8e.png\"  alt=\"REQUEST A DEMO\"\/><\/a><\/span><\/span><\/div>\n<div class=\"parentbox\">\n<p><span class=\"imgbox\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-41928\" src=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/Company-Squares-square.svg\" width=\"125\" height=\"125\" alt=\"\"\/><\/span><\/p>\n<div class=\"txtbox\">\n<h3 class=\"header\">#4 | Square<\/h3>\n<p class=\"subheader\">\u201cBest Payment Processor for Small Businesses &amp; Startups\u201d<\/p>\n<p>Square is a highly integratable payment platform that was established to empower small businesses and startups the ability to take physical and online credit card payments. The company has added a multiplicity of channels, integrations, and portals over time to empower and enable every type of business.<\/p>\n<p>Square offers a complete suite of business tools for eCommerce and brick-and-mortar businesses, with an intuitive dashboard that centralizes all income streams and data sources with advanced analytics. Hardware and software options work seamlessly to provide stress-free, modern business solutions.<\/p>\n<p>Square also offers register and payment hardware for retailers, <a href=\"https:\/\/chargebacks911.com\/quick-service-restaurant-chargebacks\/\">restaurants and more<\/a>, as well as loyalty, appointment scheduling, and inventory software.<\/p>\n<\/div>\n<\/div>\n<div class=\"leftpad\"><strong>Platforms:<\/strong><br \/><div class=\"c-share-svg c-share-svg--hover\">\r\n\t\t\t\t\t\t<div class=\"c-share-svg__inner\">\r\n\t\t\t\t\t\t\t<object type=\"image\/svg+xml\" data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/POS-Charts2-01.svg\" width=\"100%\" height=\"100%\" class=\"c-share-svg__object c-share-svg__object--desktop\"><\/object>\r\n\t\t\t\t\t\t\t<object type=\"image\/svg+xml\" data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/POS-Charts2-01.svg\" width=\"100%\" height=\"100%\" class=\"c-share-svg__object c-share-svg__object--mobile\"><\/object>\r\n\t\t\t\t\t\t<\/div>\r\n\r\n\t\t\t\t\t\t<div class=\"c-share-svg__hover\">\r\n\t\t\t\t\t\t\t<button class=\"c-share-svg__button js-share-svg-button\" data-source=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/POS-Charts2-01.svg\" data-url=\"https:\/\/chargebacks911.com\/internet-processing\/\">Embed This Graphic<\/button>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\n<div class=\"procon\">\n<div class=\"col-md-6\">\n<p class=\"headblue\">Pros:<\/p>\n<p><span style=\"font-weight: 400;\"><\/span><\/p>\n<ul class=\"c-checklist c-checklist--style-1 c-checklist--color-blue\">\n<li class=\"c-checklist__item\">Accepts multiple forms of payment that arrive in your bank account within one business day<\/li>\n<li class=\"c-checklist__item\">Pays out next business day<\/li>\n<li class=\"c-checklist__item\">Easy to setup and use<\/li>\n<\/ul>\n\n<\/div>\n<div class=\"col-md-6 pcborder2\">\n<p class=\"headred\">Cons:<\/p>\n<p><span style=\"font-weight: 400;\"><\/span><\/p>\n<ul class=\"c-checklist c-checklist--style-2\">\n<li class=\"c-checklist__item\">Pricing model makes it less cost-effective for bigger companies<\/li>\n<li class=\"c-checklist__item\">Deposit limits and add-on services are pricey<\/li>\n<li class=\"c-checklist__item\">Hardware can sometimes be buggy<\/li>\n<\/ul>\n\n<\/div>\n<\/div>\n<p class=\"clearin\"><strong>Pricing:<\/strong> Flat rate pricing, with $0 monthly fees<\/p>\n<p><strong>Transaction Fees:<\/strong> Card-present payments are 2.6% + $0.10 per transaction. Card-not-present payments are 2.9% + $0.30 per transaction. Keyed-in payments are 3.5% + $0.15 per transaction.<\/p>\n<div class=\"greybg\">\n<p><strong>Extra Perks:<\/strong><span style=\"font-weight: 400;\"><\/span><\/p>\n<ul class=\"c-checklist c-checklist--style-4\">\n<li class=\"c-checklist__item\">Next-business day transfers<\/li>\n<li class=\"c-checklist__item\"><a title=\"Account Takeover Protection\" href=\"https:\/\/chargebacks911.com\/account-takeover-protection\/\">Account takeover protection<\/a><\/li>\n<li class=\"c-checklist__item\">End-to-end encrypted payments<\/li>\n<li class=\"c-checklist__item\">Active fraud prevention<\/li>\n<li class=\"c-checklist__item\">Dispute management<\/li>\n<li class=\"c-checklist__item\">Data-security (PCI) compliance coverage<\/li>\n<\/ul>\n\n<\/div>\n<\/div>\n<hr \/>\n<div class=\"parentbox\">\n<p><span class=\"imgbox\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-41928\" src=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/Company-Squares-aci-worldwide.svg\" width=\"125\" height=\"125\" alt=\"\"\/><\/span><\/p>\n<div class=\"txtbox\">\n<h3 class=\"header\">#5 | ACI Worldwide<\/h3>\n<p class=\"subheader\">\u201cBest Payment Processor for Online Payments\u201d<\/p>\n<p>ACI Worldwide delivers white label global payment gateway solutions to payment service providers (PSPs), independent sales organizations (<a title=\"Independent Sales Organizations\" href=\"https:\/\/chargebacks911.com\/independent-sales-organizations\/\">ISOs)<\/a>, acquirers, independent software vendors (ISVs), and value-added resellers (VARs). They allow merchants to fully outsource payment transaction processing and integrate a gateway-to-gateway solution.<\/p>\n<p>It\u2019s a smart, agile payments orchestration platform for international growth. ACI Worldwide enables customer journeys, accepts all payments, prevents fraud and optimizes payments configuration for <a href=\"https:\/\/chargebacks911.com\/ecommerce-conversion-optimization-2\/\">maximum conversion with minimum cost<\/a>.<\/p>\n<\/div>\n<\/div>\n<div class=\"leftpad\"><strong>Platforms:<\/strong><br \/><div class=\"c-share-svg c-share-svg--hover\">\r\n\t\t\t\t\t\t<div class=\"c-share-svg__inner\">\r\n\t\t\t\t\t\t\t<object type=\"image\/svg+xml\" data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/POS-Charts2-01.svg\" width=\"100%\" height=\"100%\" class=\"c-share-svg__object c-share-svg__object--desktop\"><\/object>\r\n\t\t\t\t\t\t\t<object type=\"image\/svg+xml\" data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/POS-Charts2-01.svg\" width=\"100%\" height=\"100%\" class=\"c-share-svg__object c-share-svg__object--mobile\"><\/object>\r\n\t\t\t\t\t\t<\/div>\r\n\r\n\t\t\t\t\t\t<div class=\"c-share-svg__hover\">\r\n\t\t\t\t\t\t\t<button class=\"c-share-svg__button js-share-svg-button\" data-source=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/POS-Charts2-01.svg\" data-url=\"https:\/\/chargebacks911.com\/internet-processing\/\">Embed This Graphic<\/button>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\n<div class=\"procon\">\n<div class=\"col-md-6\">\n<p class=\"headblue\">Pros:<\/p>\n<p><span style=\"font-weight: 400;\"><\/span><\/p>\n<ul class=\"c-checklist c-checklist--style-1 c-checklist--color-blue\">\n<li class=\"c-checklist__item\">Best encrypted payment portal, with real-time alerts<\/li>\n<li class=\"c-checklist__item\">Superior analytics and conversion data<\/li>\n<li class=\"c-checklist__item\">Designed specifically with eCommerce in mind<\/li>\n<\/ul>\n\n<\/div>\n<div class=\"col-md-6 pcborder2\">\n<p class=\"headred\">Cons:<\/p>\n<p><span style=\"font-weight: 400;\"><\/span><\/p>\n<ul class=\"c-checklist c-checklist--style-2\">\n<li class=\"c-checklist__item\">Pricing and fees lack transparency<\/li>\n<li class=\"c-checklist__item\">Limited personalization with integration<\/li>\n<li class=\"c-checklist__item\">Payments are not frictionless; advanced security measures increase false negatives<\/li>\n<\/ul>\n\n<\/div>\n<\/div>\n<p class=\"clearin\"><strong>Pricing:<\/strong> Call for a free quote<\/p>\n<p><strong>Transaction Fees:<\/strong> No data; call for clarification<\/p>\n<div class=\"greybg\">\n<p><strong>Extra Perks:<\/strong><span style=\"font-weight: 400;\"><\/span><\/p>\n<ul class=\"c-checklist c-checklist--style-4\">\n<li class=\"c-checklist__item\">Omnichannel solutions<\/li>\n<li class=\"c-checklist__item\">Wide range of products to choose from<\/li>\n<\/ul>\n\n<\/div>\n<\/div>\n<hr \/>\n<div class=\"parentbox\">\n<p><span class=\"imgbox\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-41928\" src=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/Company-Squares-authorize.net_.svg\" width=\"125\" height=\"125\" alt=\"\"\/><\/span><\/p>\n<div class=\"txtbox\">\n<h3 class=\"header\">#6 | Authorize.Net<\/h3>\n<p class=\"subheader\">\u201cBest Payment Processor for Flexible Payments\u201d<\/p>\n<p>According to G2, Authorize.Net (from Visa) supports all major credit cards, including Visa, Mastercard, American Express, Discover, Diner\u2019s Club, and JCB. The platform is compatible with digital payment services such as Apple Pay, PayPal, and Visa Checkout.<\/p>\n<p>The software can accept transactions made by customers all over the world. However, your business must be registered in the US, UK, Canada, Europe, or Australia if you\u2019d like to use this service.<\/p>\n<p>Plans start with the gateway-only offering, which has no setup fee; only a monthly gateway fee, plus a per-transaction fee and <a href=\"https:\/\/chargebacks911.com\/payment-capture\/\">a daily batch fee<\/a>. At the other end of the spectrum are enterprise solutions that offer comprehensive, tailored pricing for larger business needs.<\/p>\n<\/div>\n<\/div>\n<div class=\"leftpad\"><strong>Platforms:<\/strong><br \/><div class=\"c-share-svg c-share-svg--hover\">\r\n\t\t\t\t\t\t<div class=\"c-share-svg__inner\">\r\n\t\t\t\t\t\t\t<object type=\"image\/svg+xml\" data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/POS-Charts2-01.svg\" width=\"100%\" height=\"100%\" class=\"c-share-svg__object c-share-svg__object--desktop\"><\/object>\r\n\t\t\t\t\t\t\t<object type=\"image\/svg+xml\" data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/POS-Charts2-01.svg\" width=\"100%\" height=\"100%\" class=\"c-share-svg__object c-share-svg__object--mobile\"><\/object>\r\n\t\t\t\t\t\t<\/div>\r\n\r\n\t\t\t\t\t\t<div class=\"c-share-svg__hover\">\r\n\t\t\t\t\t\t\t<button class=\"c-share-svg__button js-share-svg-button\" data-source=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/POS-Charts2-01.svg\" data-url=\"https:\/\/chargebacks911.com\/internet-processing\/\">Embed This Graphic<\/button>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\n<div class=\"procon\">\n<div class=\"col-md-6\">\n<p class=\"headblue\">Pros:<\/p>\n<p><span style=\"font-weight: 400;\"><\/span><\/p>\n<ul class=\"c-checklist c-checklist--style-1 c-checklist--color-blue\">\n<li class=\"c-checklist__item\">Simple, easy-to-navigate interface<\/li>\n<li class=\"c-checklist__item\">Robust security protocols that help against fraud and chargebacks<\/li>\n<li class=\"c-checklist__item\">Merchant payouts are processed and finalized in just a few days<\/li>\n<\/ul>\n\n<\/div>\n<div class=\"col-md-6 pcborder2\">\n<p class=\"headred\">Cons:<\/p>\n<p><span style=\"font-weight: 400;\"><\/span><\/p>\n<ul class=\"c-checklist c-checklist--style-2\">\n<li class=\"c-checklist__item\">False positives and negatives are common<\/li>\n<li class=\"c-checklist__item\">The Authnet Dashboard has not changed in over a decade, and could use a modern facelift<\/li>\n<li class=\"c-checklist__item\">The platform is pricey<\/li>\n<\/ul>\n\n<\/div>\n<\/div>\n<p class=\"clearin\"><strong>Pricing:<\/strong> $25 monthly gateway fee. Setup is $49.<\/p>\n<p><strong>Transaction Fees:<\/strong> All-in-one option with a per-transaction rate of 2.9% + $0.30, with no setup fee.<\/p>\n<div class=\"greybg\">\n<p><strong>Extra Perks:<\/strong><span style=\"font-weight: 400;\"><\/span><\/p>\n<ul class=\"c-checklist c-checklist--style-4\">\n<li class=\"c-checklist__item\">Global merchant account provider<\/li>\n<li class=\"c-checklist__item\">Support for credit cards and digital providers<\/li>\n<li class=\"c-checklist__item\">Wide range of currencies supported<\/li>\n<li class=\"c-checklist__item\">Designed for any business<\/li>\n<\/ul>\n\n<\/div>\n<\/div>\n<hr \/>\n<div class=\"parentbox\">\n<p><span class=\"imgbox\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-41928\" src=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/Company-Squares-paymentdepo-25.svg\" width=\"125\" height=\"125\" alt=\"\"\/><\/span><\/p>\n<div class=\"txtbox\">\n<h3 class=\"header\">#7 | Payment Depot<\/h3>\n<p class=\"subheader\">\u201cBest Payment Processor for High-Volume Sales\u201d<\/p>\n<p>Unlike other payment processor companies, which take a percentage of each transaction, Payment Depot uses a subscription pricing model based on a merchant\u2019s monthly transaction volume. Merchants pay a flat fee per transaction, plus the interchange rate, regardless of the transaction type.<\/p>\n<p>Payment Depot doesn\u2019t charge any cancellation or hidden fees. At the same time, they provide access to funds within 24 to 48 hours of a transaction. The company also offers a variety of terminals, credit card readers, and <a title=\"Cloud POS Systems\" href=\"https:\/\/chargebacks911.com\/cloud-pos-systems\/\">POS systems<\/a> with customer support available 24 hours a day.<\/p>\n<p>Payment Depot works best with high-volume merchants or merchants who frequently process high-dollar products and services.<\/p>\n<\/div>\n<\/div>\n<div class=\"leftpad\"><strong>Platforms:<\/strong><br \/><div class=\"c-share-svg c-share-svg--hover\">\r\n\t\t\t\t\t\t<div class=\"c-share-svg__inner\">\r\n\t\t\t\t\t\t\t<object type=\"image\/svg+xml\" data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/POS-Charts2-01.svg\" width=\"100%\" height=\"100%\" class=\"c-share-svg__object c-share-svg__object--desktop\"><\/object>\r\n\t\t\t\t\t\t\t<object type=\"image\/svg+xml\" data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/POS-Charts2-01.svg\" width=\"100%\" height=\"100%\" class=\"c-share-svg__object c-share-svg__object--mobile\"><\/object>\r\n\t\t\t\t\t\t<\/div>\r\n\r\n\t\t\t\t\t\t<div class=\"c-share-svg__hover\">\r\n\t\t\t\t\t\t\t<button class=\"c-share-svg__button js-share-svg-button\" data-source=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/POS-Charts2-01.svg\" data-url=\"https:\/\/chargebacks911.com\/internet-processing\/\">Embed This Graphic<\/button>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\n<div class=\"procon\">\n<div class=\"col-md-6\">\n<p class=\"headblue\">Pros:<\/p>\n<p><span style=\"font-weight: 400;\"><\/span><\/p>\n<ul class=\"c-checklist c-checklist--style-1 c-checklist--color-blue\">\n<li class=\"c-checklist__item\">Saves merchants a ton of money in fees<\/li>\n<li class=\"c-checklist__item\">Customer care and support are top-notch<\/li>\n<li class=\"c-checklist__item\">Month-to-month billing<\/li>\n<\/ul>\n\n<\/div>\n<div class=\"col-md-6 pcborder2\">\n<p class=\"headred\">Cons:<\/p>\n<p><span style=\"font-weight: 400;\"><\/span><\/p>\n<ul class=\"c-checklist c-checklist--style-2\">\n<li class=\"c-checklist__item\">Hardware options are limited<\/li>\n<li class=\"c-checklist__item\">Pricey for businesses with lower volumes<\/li>\n<li class=\"c-checklist__item\">High-risk businesses may be denied<\/li>\n<\/ul>\n\n<\/div>\n<\/div>\n<p class=\"clearin\"><strong>Pricing:<\/strong> A flat $79 to $99 per month (Enterprise membership starts at $199) with a monthly transaction limit of $25,000 to over $300,000 depending on the plan.<\/p>\n<p><strong>Transaction Fees:<\/strong> Fixed $0.07 to $0.15 per transaction, <a href=\"https:\/\/chargebacks911.com\/interchange-fees\/\" title=\"Interchange Fees\" data-wpil-monitor-id=\"373\">plus the interchange rate<\/a>.<\/p>\n<div class=\"greybg\">\n<p><strong>Extra Perks:<\/strong><span style=\"font-weight: 400;\"><\/span><\/p>\n<ul class=\"c-checklist c-checklist--style-4\">\n<li class=\"c-checklist__item\">Low transaction fees<\/li>\n<li class=\"c-checklist__item\">24\/7 customer support<\/li>\n<\/ul>\n\n<\/div>\n<\/div>\n<hr \/>\n<div class=\"parentbox\">\n<p><span class=\"imgbox\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-41928\" src=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/Company-Squares-veem-26.svg\" width=\"125\" height=\"125\" alt=\"\"\/><\/span><\/p>\n<div class=\"txtbox\">\n<h3 class=\"header\">#8 | Veem<\/h3>\n<p class=\"subheader\">\u201cBest Payment Processor for International Payments\u201d<\/p>\n<p>Veem is a payment processor that \u201cuncomplicates the end-to-end AP\/AR process.\u201d They offer seamless integrations to leading accounting software, <a href=\"https:\/\/chargebacks911.com\/real-time-payments\/\" title=\"Real-Time Payments\" data-wpil-monitor-id=\"1036\">real-time tracking on payments<\/a> and cost-effective, and flexible payment options. Now businesses have the power to pay how they prefer and eliminate friction with customers to get paid faster.<\/p>\n<p>Veem provides broad access to online global payment tools to send and receive payments in 100 countries and in over 70 currencies, all on one payment network. The company enables businesses to track international payments from start to finish, providing live updates on transactions at any time.<\/p>\n<\/div>\n<\/div>\n<div class=\"leftpad\"><strong>Platforms:<\/strong><br \/><div class=\"c-share-svg c-share-svg--hover\">\r\n\t\t\t\t\t\t<div class=\"c-share-svg__inner\">\r\n\t\t\t\t\t\t\t<object type=\"image\/svg+xml\" data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/POS-Charts2-01.svg\" width=\"100%\" height=\"100%\" class=\"c-share-svg__object c-share-svg__object--desktop\"><\/object>\r\n\t\t\t\t\t\t\t<object type=\"image\/svg+xml\" data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/POS-Charts2-01.svg\" width=\"100%\" height=\"100%\" class=\"c-share-svg__object c-share-svg__object--mobile\"><\/object>\r\n\t\t\t\t\t\t<\/div>\r\n\r\n\t\t\t\t\t\t<div class=\"c-share-svg__hover\">\r\n\t\t\t\t\t\t\t<button class=\"c-share-svg__button js-share-svg-button\" data-source=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/POS-Charts2-01.svg\" data-url=\"https:\/\/chargebacks911.com\/internet-processing\/\">Embed This Graphic<\/button>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\n<div class=\"procon\">\n<div class=\"col-md-6\">\n<p class=\"headblue\">Pros:<\/p>\n<p><span style=\"font-weight: 400;\"><\/span><\/p>\n<ul class=\"c-checklist c-checklist--style-1 c-checklist--color-blue\">\n<li class=\"c-checklist__item\">Transactions are easy and traceable<\/li>\n<li class=\"c-checklist__item\">All-in-one dashboard<\/li>\n<li class=\"c-checklist__item\">Low cost for international payments<\/li>\n<\/ul>\n\n<\/div>\n<div class=\"col-md-6 pcborder2\">\n<p class=\"headred\">Cons:<\/p>\n<p><span style=\"font-weight: 400;\"><\/span><\/p>\n<ul class=\"c-checklist c-checklist--style-2\">\n<li class=\"c-checklist__item\">Transactions can take 4-6 business days to process<\/li>\n<li class=\"c-checklist__item\">Not all countries are represented<\/li>\n<li class=\"c-checklist__item\">Setup and onboarding is dodgy<\/li>\n<\/ul>\n\n<\/div>\n<\/div>\n<p class=\"clearin\"><strong>Pricing:<\/strong> Two-tier pricing scale\u2014international and domestic (international wire transfers start at $29 per transaction)<\/p>\n<p><strong>Transaction Fees:<\/strong> Transaction Fees: 2.9% per transaction; 1% of total amount.<\/p>\n<div class=\"greybg\">\n<p><strong>Extra Perks:<\/strong><span style=\"font-weight: 400;\"><\/span><\/p>\n<ul class=\"c-checklist c-checklist--style-4\">\n<li class=\"c-checklist__item\">Mass pay options for contractors and partners<\/li>\n<\/ul>\n\n<\/div>\n<\/div>\n<hr \/>\n<div class=\"parentbox\">\n<p><span class=\"imgbox\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-41928\" src=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/Company-Squares-bluesnap.svg\" width=\"125\" height=\"125\" alt=\"\"\/><\/span><\/p>\n<div class=\"txtbox\">\n<h3 class=\"header\">#9 | BlueSnap<\/h3>\n<p class=\"subheader\">\u201cBest Payment Processor for Vendor Partnerships &amp; Split Payments\u201d<\/p>\n<p>BlueSnap supports payments through multiple sales channels such as online and mobile sales, marketplaces, subscriptions, invoice payments and manual orders through a virtual terminal. For businesses looking for embedded payments, the company offers white-labeled payments for platforms with automated underwriting and onboarding. This supports marketplaces and split payments.<\/p>\n<p>With one integration and contract, businesses can sell in over 200 geographies with access to local acquiring in 47 countries, 110+ currencies and 100+ global payment types. These include popular eWallets and automated accounts receivable, all backed by world-class fraud protection and chargeback management, built-in solutions for regulation and tax compliance, and unified global reporting to help businesses grow.<\/p>\n<\/div>\n<\/div>\n<div class=\"leftpad\"><strong>Platforms:<\/strong><br \/><div class=\"c-share-svg c-share-svg--hover\">\r\n\t\t\t\t\t\t<div class=\"c-share-svg__inner\">\r\n\t\t\t\t\t\t\t<object type=\"image\/svg+xml\" data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/POS-Charts2-01.svg\" width=\"100%\" height=\"100%\" class=\"c-share-svg__object c-share-svg__object--desktop\"><\/object>\r\n\t\t\t\t\t\t\t<object type=\"image\/svg+xml\" data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/POS-Charts2-01.svg\" width=\"100%\" height=\"100%\" class=\"c-share-svg__object c-share-svg__object--mobile\"><\/object>\r\n\t\t\t\t\t\t<\/div>\r\n\r\n\t\t\t\t\t\t<div class=\"c-share-svg__hover\">\r\n\t\t\t\t\t\t\t<button class=\"c-share-svg__button js-share-svg-button\" data-source=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/POS-Charts2-01.svg\" data-url=\"https:\/\/chargebacks911.com\/internet-processing\/\">Embed This Graphic<\/button>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\n<div class=\"procon\">\n<div class=\"col-md-6 pcborder\">\n<p class=\"headblue\">Pros:<\/p>\n<p><span style=\"font-weight: 400;\"><\/span><\/p>\n<ul class=\"c-checklist c-checklist--style-1 c-checklist--color-blue\">\n<li class=\"c-checklist__item\">New features continuously available<\/li>\n<li class=\"c-checklist__item\">Bluesnap is very accommodating for unique needs and works with merchants to modify workflows to fit the business requirements<\/li>\n<li class=\"c-checklist__item\">Integration with hosted fields is fairly simple and seamless<\/li>\n<\/ul>\n\n<\/div>\n<div class=\"col-md-6\">\n<p class=\"headred\">Cons:<\/p>\n<p><span style=\"font-weight: 400;\"><\/span><\/p>\n<ul class=\"c-checklist c-checklist--style-2\">\n<li class=\"c-checklist__item\">Technical support needs work<\/li>\n<li class=\"c-checklist__item\">Good reference docs, but no helpful implementation guides, recommendations for choice among the various technical solutions, etc<\/li>\n<li class=\"c-checklist__item\">Patchwork system; not all facets of operations are on the same platform<\/li>\n<\/ul>\n\n<\/div>\n<\/div>\n<p class=\"clearin\"><strong>Pricing:<\/strong> Pay-as-you-go pricing, with $0 startup, monthly, or cancellation fees<\/p>\n<p><strong>Transaction Fees:<\/strong> 2.9% + $0.30 per successful card transaction<\/p>\n<div class=\"greybg\">\n<p><strong>Extra Perks:<\/strong><span style=\"font-weight: 400;\"><\/span><\/p>\n<ul class=\"c-checklist c-checklist--style-4\">\n<li class=\"c-checklist__item\">Global processing with one account<\/li>\n<li class=\"c-checklist__item\">Interchange plus, tiered or flat-rate pricing<\/li>\n<li class=\"c-checklist__item\">Level 2 and Level 3 data processing rates<\/li>\n<li class=\"c-checklist__item\">Charity or nonprofit payment processing rates<\/li>\n<li class=\"c-checklist__item\">Accounts receivable automation<\/li>\n<\/ul>\n\n<\/div>\n<\/div>\n<hr \/>\n<div class=\"parentbox\">\n<p><span class=\"imgbox\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-41928\" src=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/Company-Squares-gocardless.svg\" width=\"125\" height=\"125\" alt=\"\"\/><\/span><\/p>\n<div class=\"txtbox\">\n<h3 class=\"header\">#10 | GoCardless<\/h3>\n<p class=\"subheader\">\u201cBest Payment Processor for Recurring Billing\u201d<\/p>\n<p>GoCardless is the global leader in recurring payments. They\u2019re also the world's largest bank-to-bank direct debit platform, helping businesses accept payments in over 30 of the world\u2019s largest economies. GoCardless takes the pain out of getting paid for more than 55,000 businesses worldwide, from enterprise to small businesses. Their clients range from small businesses to household names such as DocuSign, TripAdvisor, and The Guardian.<\/p>\n<p>The company\u2019s focus is on collecting payments through direct debit. This is done by seamlessly working with customers' <a href=\"https:\/\/chargebacks911.com\/billback\/\">existing billing software<\/a> or payment gateway. The platform integrates with 200+ partners such as Zuora, Salesforce Billing, Recurly, and Yaypay.<\/p>\n<\/div>\n<\/div>\n<div class=\"leftpad\"><strong>Platforms:<\/strong><br \/><div class=\"c-share-svg c-share-svg--hover\">\r\n\t\t\t\t\t\t<div class=\"c-share-svg__inner\">\r\n\t\t\t\t\t\t\t<object type=\"image\/svg+xml\" data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/POS-Charts2-01.svg\" width=\"100%\" height=\"100%\" class=\"c-share-svg__object c-share-svg__object--desktop\"><\/object>\r\n\t\t\t\t\t\t\t<object type=\"image\/svg+xml\" data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/POS-Charts2-01.svg\" width=\"100%\" height=\"100%\" class=\"c-share-svg__object c-share-svg__object--mobile\"><\/object>\r\n\t\t\t\t\t\t<\/div>\r\n\r\n\t\t\t\t\t\t<div class=\"c-share-svg__hover\">\r\n\t\t\t\t\t\t\t<button class=\"c-share-svg__button js-share-svg-button\" data-source=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/06\/POS-Charts2-01.svg\" data-url=\"https:\/\/chargebacks911.com\/internet-processing\/\">Embed This Graphic<\/button>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\n<div class=\"procon\">\n<div class=\"col-md-6\">\n<p class=\"headblue\">Pros:<\/p>\n<p><span style=\"font-weight: 400;\"><\/span><\/p>\n<ul class=\"c-checklist c-checklist--style-1 c-checklist--color-blue\">\n<li class=\"c-checklist__item\">Online dashboard interface is clean and user-friendly<\/li>\n<li class=\"c-checklist__item\">Minimal fees<\/li>\n<li class=\"c-checklist__item\">Excellent processes for automated payments<\/li>\n<\/ul>\n\n<\/div>\n<div class=\"col-md-6 pcborder2\">\n<p class=\"headred\">Cons:<\/p>\n<p><span style=\"font-weight: 400;\"><\/span><\/p>\n<ul class=\"c-checklist c-checklist--style-2\">\n<li class=\"c-checklist__item\">Any per-transaction price increases are substantial<\/li>\n<li class=\"c-checklist__item\">Can be difficult to speak to a real person when tech support is required<\/li>\n<li class=\"c-checklist__item\">Slight delay in payouts<\/li>\n<\/ul>\n\n<\/div>\n<\/div>\n<p class=\"clearin\"><strong>Pricing:<\/strong> Two tier per-transaction pricing; custom pricing available.<\/p>\n<p><strong>Transaction Fees:<\/strong> 1% + $0.25 for domestic transactions, with a maximum of $2.50 per transaction.An additional fee of 0.3% applies to transaction values above $1,000. Failure and chargeback fees apply. For international transactions, the fee increases to 2% + $0.25 per transaction; currency conversion is included, with exchange rate powered by Wise.<\/p>\n<div class=\"greybg\">\n<p><strong>Extra Perks:<\/strong><span style=\"font-weight: 400;\"><\/span><\/p>\n<ul class=\"c-checklist c-checklist--style-4\">\n<li class=\"c-checklist__item\">Personalized billing<\/li>\n<li class=\"c-checklist__item\">Accounting integration<\/li>\n<li class=\"c-checklist__item\">Usage tracking<\/li>\n<\/ul>\n\n<\/div>\n<\/div>\n<hr \/>\n\n\n<h2 class=\"wp-block-heading\">Need Help Making It All Work?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Credit card processing is a complex part of doing business online. Add in the stress and restrictions associated with internet processing, and it can quickly become overwhelming. Then there\u2019s added dangers of fraud and dealing with chargebacks. It\u2019s a lot to handle.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fortunately, you don\u2019t have to do it all alone. Our end-to-end dispute service platform works with any provider or gateway. We can help you prevent more chargebacks, deflect more fraud, and maximize your ROI. For more information, contact Chargebacks911\u00ae today.<\/p>\n\n\n\n<div class=\"c-shortcode-faq\" data-shortcode-faq=\"true\" class=\"wp-block-cb911-block-library-faq\"><div class=\"c-shortcode-faq__inner\"><h2 class=\"c-shortcode-faq__heading joli-heading\" id=\"faqs\">FAQs<\/h2><div class=\"c-shortcode-faq__items\">\n\n<div class=\"c-shortcode-faq__item\" data-shortcode-faq-item=\"true\" class=\"wp-block-cb911-block-library-faq-item\"><div class=\"c-shortcode-faq__item-inner\"><div class=\"c-shortcode-faq__icons\"><div class=\"c-shortcode-faq__icons-inner\"><div class=\"c-shortcode-faq__icon c-shortcode-faq__icon--minus\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M20 12H4\"><\/path><\/svg><\/div><div class=\"c-shortcode-faq__icon c-shortcode-faq__icon--plus\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M20 12H4\"><\/path><\/svg><\/div><\/div><\/div><h3 class=\"c-shortcode-faq__question\">What is internet credit card processing?<\/h3><p class=\"c-shortcode-faq__answer\">Internet credit card processing refers to the technology and methods merchants use to electronically <a data-wpil=\"url\" href=\"https:\/\/chargebacks911.com\/banking\/payment-processing\/online-payment-processing\/\" title=\"Online Payment Processing\">process credit card payments<\/a> from online transactions.<\/p><\/div><\/div>\n\n\n<div class=\"c-shortcode-faq__item\" data-shortcode-faq-item=\"true\" class=\"wp-block-cb911-block-library-faq-item\"><div class=\"c-shortcode-faq__item-inner\"><div class=\"c-shortcode-faq__icons\"><div class=\"c-shortcode-faq__icons-inner\"><div class=\"c-shortcode-faq__icon c-shortcode-faq__icon--minus\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M20 12H4\"><\/path><\/svg><\/div><div class=\"c-shortcode-faq__icon c-shortcode-faq__icon--plus\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M20 12H4\"><\/path><\/svg><\/div><\/div><\/div><h3 class=\"c-shortcode-faq__question\">How does online payment processing work?<\/h3><p class=\"c-shortcode-faq__answer\">The transaction process involves multiple parties, including merchants, cardholders, banks, card networks, and other service providers. These parties work together through four key stages of a transaction \u2014 authorization, batching, clearing, and funding.<\/p><\/div><\/div>\n\n\n<div class=\"c-shortcode-faq__item\" data-shortcode-faq-item=\"true\" class=\"wp-block-cb911-block-library-faq-item\"><div class=\"c-shortcode-faq__item-inner\"><div class=\"c-shortcode-faq__icons\"><div class=\"c-shortcode-faq__icons-inner\"><div class=\"c-shortcode-faq__icon c-shortcode-faq__icon--minus\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M20 12H4\"><\/path><\/svg><\/div><div class=\"c-shortcode-faq__icon c-shortcode-faq__icon--plus\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M20 12H4\"><\/path><\/svg><\/div><\/div><\/div><h3 class=\"c-shortcode-faq__question\">Do I have to pay for internet processing?<\/h3><p class=\"c-shortcode-faq__answer\">Yes. There is a cost for the processing itself. There may be additional fees assessed for any number of potential associated operations as well, from administrative and set-up charges to fees for reports or customer service. Specific monthly or per-transaction costs depend on the processor.<\/p><\/div><\/div>\n\n\n<div class=\"c-shortcode-faq__item\" data-shortcode-faq-item=\"true\" class=\"wp-block-cb911-block-library-faq-item\"><div class=\"c-shortcode-faq__item-inner\"><div class=\"c-shortcode-faq__icons\"><div class=\"c-shortcode-faq__icons-inner\"><div class=\"c-shortcode-faq__icon c-shortcode-faq__icon--minus\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M20 12H4\"><\/path><\/svg><\/div><div class=\"c-shortcode-faq__icon c-shortcode-faq__icon--plus\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M20 12H4\"><\/path><\/svg><\/div><\/div><\/div><h3 class=\"c-shortcode-faq__question\">Does internet processing increase my chargeback risk?<\/h3><p class=\"c-shortcode-faq__answer\">Indirectly, it can. The process itself doesn\u2019t present a significant risk, but using internet processing means you\u2019re dealing with card-not-present transactions. That typically means you have a higher chargeback risk, and other associated factors might increase that risk even more.<\/p><\/div><\/div>\n\n<\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<h2 class=\"wp-block-heading\">10 Questions to Ask before Choosing an Internet Credit Card Processor, Plus Our Picks for the Best Providers of 2024<\/h2>\n<p>The global online payments market reached $9.46 trillion in 2023. And, dramatic growth is expected to continue for the foreseeable future.<\/p>\n<div><a class=\"btn-filled btn\" href=\"https:\/\/chargebacks911.com\/internet-processing\/\" title=\"Internet Processing\">Read More<\/a><\/div>\n","protected":false},"author":9192200,"featured_media":64922,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_crdt_document":"","inline_featured_image":false,"footnotes":""},"categories":[59],"tags":[71,80,83],"class_list":["post-35905","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking","tag-banks","tag-payments","tag-process"],"acf":[],"_links":{"self":[{"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/posts\/35905","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/users\/9192200"}],"replies":[{"embeddable":true,"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/comments?post=35905"}],"version-history":[{"count":10,"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/posts\/35905\/revisions"}],"predecessor-version":[{"id":96533,"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/posts\/35905\/revisions\/96533"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/media\/64922"}],"wp:attachment":[{"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/media?parent=35905"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/categories?post=35905"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/tags?post=35905"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}