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Retail Credit Card Processing

Not accepting credit cards can result in a loss of sales, so it is crucial for most retailers to be able to process credit cards. Accepting credit cards requires several components including a credit card processing provider, a merchant account and in most cases point of sale equipment.

The providers below offer complete solutions that include all the components you need to accept credit cards. You can compare their key facts below and then click on the apply link to be take to the provider's web site for more information.
Paynet Systems Retail Plan
Fees
Application Fee: $0
Setup Fee: $0
Annual Fee: $0
Monthly Fee: $10
Monthly Minimum: $0
Paynet Systems
  • 97% approval rate for retail applicants
  • 24 hour support
  • No monthly minimum
  • Get approved within 24 hours
  • No cancellation fees
  • No application or setup fees
Rates
AMEX:$0.00 + 3.25%
Discover:$0.08 + 2.52%
MC:$0.25 + 1.59%
Visa:$0.25 + 1.59%
Average:$0.15 + 2.24%
Merchant Express Retail Plan
Fees
Application Fee: $0
Setup Fee: $0
Annual Fee: $0
Monthly Fee: $19.95
Monthly Minimum: $0
Merchant Express
  • Free retail swipe software
  • 24/7 support
  • 72 hour approval
  • POS terminals or PC processing available*
  • 30 day guarantee
Rates
AMEX:$0.19 + 1.77%
Discover:$0.19 + 1.77%
MC:$0.19 + 1.77%
Visa:$0.19 + 1.77%
Average:$0.19 + 1.77%
Charge.com Retail Plan
Fees
Application Fee: $0
Setup Fee: $0
Annual Fee: $0
Monthly Fee: $10
Monthly Minimum: $0
Charge.com
  • 24/7 support
  • Sales appear in your bank account in 48-72 hours
  • Same day approval
  • Fast one page application
  • Electronic keypad terminal available*
Rates
AMEX:$0.25 + 1.85%
Discover:$0.25 + 1.85%
MC:$0.25 + 1.85%
Visa:$0.25 + 1.85%
Average:$0.25 + 1.85%
Total Merchant Services Retail Plan
Fees
Application Fee: $0
Setup Fee: $0
Annual Fee: $0
Monthly Fee: $8.95
Monthly Minimum: $0
Total Merchant Services
  • Works with multiple banks to provide very high approval rate
  • Automatic instant approval for most applicants
  • Receive funds daily
  • 24/7 support
  • Free terminal reprogramming
  • Buy or lease POS terminal equipment
Rates
MC:$0.20 + 1.77%
Visa:$0.20 + 1.77%
Average:$0.20 + 1.77%
FreeAuthNet.com Retail Plan
Fees
Application Fee: $0
Setup Fee: $0
Annual Fee: $0
Monthly Fee: $9.95
Monthly Minimum: $0
FreeAuthNet.com
  • No Setup or Application Fees
  • No Credit Restrictions
  • Free Programming
  • Money deposited directly into your existing account
Rates
MC:$0.25 + 2.19%
Visa:$0.25 + 2.19%
Average:$0.25 + 2.19%
*Additional fees may apply. Always verify terms of service with the processing provider before signing up.
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