As a business owner, you understand that you are going to have to accept credit cards. However, accepting credit cards costs your company money and you hate accepting that fact. Unfortunately, without a merchant account, you will not be able to accept credit cards and a merchant account will cost money. As a small business, this cost can be quite expensive, especially if you choose the wrong provider. This is why it is important to make sure that you shop around and look for the best deal.


What Are the Benefits of Credit Card Processing for Businesses?

Accepting your customers’ preferred payment method has a couple of additional benefits. First, customers can spend more when they shop with a credit card than when they pay cash. Second, you won’t lose potential sales from customers who don’t carry cash.

How to Choose the Most Affordable Option?


When it comes to choosing a cheap merchant for your small business, there are several that are better than others. As with anything, it is important to remember that just because it is cheaper does not mean that it is better, as the saying goes, you get what you pay for.


PaymentCloud is a good choice for a business that is in a higher-risk category. The company offers reasonable fees and rates. Another option is Square. This is a good choice for a business that needs a lot of features but does not want to pay a lot for them. National Processing is another good option for companies that want the stability of a full-service merchant and a lot of features.


For small businesses that process less than $5,000 per month, the most affordable card processing option is usually a processor that charges a flat rate for each transaction and doesn’t impose monthly or annual fees.


Businesses that process more than $5,000 per month should look for a processor that offers interchange-plus pricing and charges few monthly or annual fees.

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