Top 10 Merchant Processing List

Choosing a merchant processor that meets the specific needs of your business can often become overwhelming. Below is a list of the top 10 credit card processing companies so you can easily make an educated decision.

Rank Site Features BBB Rating Rating Visit Site
#1 Cayan In Business 18+ Years
Customizable POS Terminals
No Setup or Cancellation Fees
A+
Cayan
Review
Cayan
#2 Leaders Merchant Services Swipe Rates Start at 0.35%
A+ BBB Rating
Unique Financing Options
A+
Leaders Merchant Services
Review
Leaders Merchant Services
#3 National Bankcard Quickbooks Integration
Apple Pay & NFC
Get Setup in Under 24 Hours
A+
National Bankcard
Review
National Bankcard
#4 North American Bancard 24+ Years in Business
Cash Advances up to $500K
Free EMV & NFC Terminals
A+
North American Bancard
Review
North American Bancard
#5 Mercury Pay Near 100% Uptime
Industry-Leading Support Team
Unique Gift/Loyalty Cards
A+
Mercury Pay
Review
Mercury Pay
#6 Charge Fast Approval Process
Free Software & Terminals
Rates Start at 0.25%
A+
Charge
Review
Charge
#7 Square Up Transparent Flat Rate Fees
Receive Funds in 1 - 2 Days
Accept Payments by Phone or Tablet
A+
Square Up
Review
Square Up
#8 RedFynn Numerous POS Terminal Systems
MOTO & Check Processing
Accept Apple Pay & Google Wallet
A+
RedFynn
Review
RedFynn
#9 Helcim Rates Start at 0.18% + 8¢
No Contracts or Cancellation Fees
Free Mobile Card Reader
A+
Helcim
Review
Helcim
#10 Swift Pay Low Monthly Membership Pricing Plans
Reprogram Existing Terminal for Free
Rates Start at 6¢ per transaction
A+
Swift Pay
Review
Swift Pay

Best Merchant Processing in 2025

Choosing a merchant processing company is a must for almost all business owners. However, all businesses have unique needs and most merchant processors specialize in different features. This makes choosing just one credit card processing company a tedious task. With our top 10 list of the best merchant processing companies, we aim to make your decision a lot easier to make.

Within the list above, we've added the main features that set each one of these merchant processors apart. These feature highlights should help you narrow down the best merchant services even further. The list also features the best credit card processing companies at the top, but keep in mind that each company has something unique to offer. The number 1 site in our list may not necessarily be the best option for your specific needs. Take a look around and discover all of the great perks that these merchant processors have to offer.

All merchant services here are worth discovering!

We encourage you to explore all of these payment processors before making a decision. We've reviewed all of the sites in this list so you can easily get to know all of the perks and advantages they offer. Learn about their processing fees, POS terminals, their tech support and all other aspects of their company so you can quickly make an educated decision.

We'll always keep you updated.

Our team is always searching for better merchant processing companies. When we find payment processors that are worthy of being placed in the list above, we review them and place them in the list accordingly. We also keep the currently listed sites fully updated so our information is always current. You can trust TopBizDeals when searching for a credit card processor!