CreditCardProcessing.com is a newer merchant accounts service provider that launched in 2013 and specializes in helping new, existing, big, and small businesses in a number of different industries obtain the best merchant services possible. The payment processing company offers reasonable rates for its merchant accounts services and credit card processing services, and its staff offers hassle-free assistance to help business owners get started on accepting credit card payments. Additionally, CreditCardProcessing.com's application process is straightforward and its approval time is quick.

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The Good

Easy to Work With
Breadth of Products
Low Processing Cost

Easy to Work With

CreditCardProcessing.com is all about simplicity and strives to make it easy for business owners to apply for and obtain merchant accounts. For customers looking for a mobile swiper or payment gateway, CreditCardProcessing.com offers a simplified online application with conditional immediate approvals. For others or those not interested in an internet merchant account and the payment gateway, CreditCardProcessing.com's sales representatives work with customers to understand their short- and long-term business goals and needs. CreditCardProcessing.com provides several options that may work for a customer's individual business.

Breadth of Products

Whether a business has an existing merchant account or is new, CreditCardProcessing.com offers a wide array of options to ensure that every merchant has the solutions they need. For example, the merchant account provider has a wide variety of traditional and alternative payment acceptance solutions, including mobile, e-commerce, stand-alone terminals, and even a gateway for payment integrations. In addition, CreditCardProcessing.com offers a suite of value-added solutions designed to help businesses grow, including gift cards, loyalty programs, reputation and social media management, website and domain registration, employee management, and more. The company is also a proud reseller of Clover.

Low Processing Cost

While the payment processor does not disclose each individual rate or associated cost, CreditCardProcessing.com does have a "lowest total processing cost guarantee". This guarantee allows clients to send in current merchant account processing statements or competitor rates (in writing) in order to provide the lowest processing rate. If, for whatever reason, CreditCardProcessing.com cannot beat the rate, they will give the business owner a $50 American Express gift card.

CreditCardProcessing.com also has low transaction fees. Outlined below are the company's fees excluding monthly fees, which vary per transaction type for credit cards and debit cards:

Online Transaction Fee: 0.95% (Debit) + $0.22 or 1.95% (Credit) + $0.22 PT
POS Transaction Fee: 0.35% (Debit) + $0.20 or 1.55% (Credit) + $0.20 PT
Mobile Transaction Fee: 0.35% (Debit) + $0.20 or 1.55% (Credit) + $0.20 PT

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The Bad

Limited Industries
Pricing and Fees

Limited Industries

At this point, CreditCardProcessing.com provides merchant services in only eight industry categories. That being said, a number of merchant account providers avoid "high risk status" companies due to a number of complications. Businesses who can use CreditCardProcessing.com for their merchant account needs include:

Retail
Mail Order/Phone Order
Internet
Wireless
Restaurant
High Volume
Petroleum/Gas Station
Hotel/Lodging

Pricing and Fees Vary

Pricing, rates, and fees vary depending on a number of factors. The industry type, business size, transactions, and processing demands all contribute to how CreditCardProcessing.com handles an account. In order to obtain an accurate depiction of rates and fees, business owners will need to reach out directly to get a free quote. Pricing transparency is something business owners have been known to appreciate, especially in the merchant account arena.

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The Bottom Line

While CreditCardProcessing.com may be considered a newcomer in the merchant account services and credit card processing industries, the company has instituted a number of solutions that benefit large and small businesses nationwide, including a simple application process, a variety of product and service options including credit card transactions, and low processing fees. Its low processing cost and breadth of service, in comparison to other credit card processing companies, have resulted in positive merchant services reviews.

The company also offers 24/7 customer service help and does not charge any early termination fees. Unfortunately, CreditCardProcessing.com does not provide credit card processing services to high risk merchants and the company's pricing and fees may vary. However, merchants who feel that CreditCardProcessing.com may be a good fit for their needs are encouraged to reach out to the company for more information.

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User Reviews

Star Rating

2.5

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243 Reviews

Review Breakdown

5 grade

19%

4 grade

16%

3 grade

2 grade

1 grade

47%

Sentiment Criteria

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Verified Customer

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Lauren Millar Houston, TX

I have a small business and I needed to be able to process credit cards. I don't really have a great deal of volume, but the transactions tend to be of several thousand dollars, so whatever marginal savings I can get on the processing fees makes a big difference to me. After some looking around, it turned out they had the best deal so I went with it. I haven't really done much with the equipment or had any transactions since I signed up. The folks that I talked to when setting my account up were really nice though. They helped me get that sorted out with a minimum amount of problems. On thing I did like is that the person that I have to contact and that manages my account is pretty easy to get a hold of. I can send them emails and calls directly.

7 years ago

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Verified Customer

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Catherine Mcdowra Paris, TX

I had to switch because the company that I used was going out of business and, you know, they were no longer able to give me the service. So I just did a Google search and they came up as one of the best options. I've had the service for a couple of weeks so I've only taken a couple of credit cards so far. Still, the equipment has been easy to work with. The only difference that I've noticed between them and the other company is that with the other guys I would get email notifications when a deposit was made to my bank account. I do miss that service. I'm sure that they can't do that for everybody every single time it happens, but it would be good to have that again.

7 years ago

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Verified Customer

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Timothy Walsh Conroe, TX

I went online and looked things up, they were the second company that popped up. They were pretty great and easy to sign up with. I was actually switching from a different company that would only accept credit card for payments. You couldn't do with checks, cash, gold, whatever. It was all credit and eventually it all turned into a major job just to get things done. They had me jumping through fire hoops and into shark pits just to get their card reader. CreditCardProcessing.com made it all easy, I just gave them my information, paid my fee, and I got the reader sent my way in express mail. Customer service has helped me immediately and have been diligent in their job. They make sure to perform and gave me the best experience that I've ever had online or through the phone. I'm happy with the way they process everything and how things go through. My experience with them has always been great. They've come through for me and have taken care of all sorts of issues. They've done a phenomenal job.

7 years ago

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Verified Customer

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Kendall Burleson

when I first got it it was a little difficult to use we had we had some issues with the and not reading the equipment reading the cart properly so once we got that taken care was okay. I got a lot of good customer service from them. The only suggestion I would have is that the type of equipment that they sent out it needs to be a little bit user friendly.

7 years ago

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Verified Customer

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James Elsberry

any time we had a problem, and there wasn't very many, they were there and they had the problem fixed within minutes. We didn't really have a problem with their equipment. I think that the one or two times we had a problem was when it was a double charge that we had to take off and another card something was taking a long time to hit the credit card so it never went through so they actually say they took a money.

7 years ago

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Verified Customer

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Desmond I Gwynn Oak, MD

I got it last summer since it was one of the top products in google search. I didn't have much trouble getting a hold of them and they were always pretty quick to give me the solutions that I needed. They should work a bit more on their functionality. There's a little difference in the interface of the IPhone and the Android version of their software. It would be great if they could get them to match more closely since we have folks that use both types of devices and that causes some problems with our operations.

7 years ago

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Verified Customer

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Julio Bravo Baldwin Park, CA

We were looking for an affordable alternative to process card payments that fit what our business needed. Everything has been seamless and we've had no problems. Customer service has been very transparent about everything. The representative that we talked to as very knowledgeable and quick to get back to us with the answers to all the questions we had. It was just really good. The equipment itself is simple to use.

7 years ago

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Verified Customer

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Teresa White Topeka, KS

Their fees and processing was the easiest and best option for us. When I called them to get the system set up they walked me through the whole process. We had no problems and since then we haven't had a reason to call them. The equipment is easy to use, so far everything everything has worked well. The little information book they give you with it is pretty easy to follow. We've enjoyed having it so far, everyone that has come to our concession stand has appreciated the service and it has been a neat surprise for some.

7 years ago

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Verified Customer

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Rebecca Delgiudice Plains, MT

The fees was the biggest reason why I chose it, they are good. Actually they still have some of the best rates that we've been able to find. Every time I've called, no matter how big or small the question or problem is, they've been really good about it. They walk me through the problem and how to fix it. The equipment is good, but it doesn't integrate as well as I hoped it would with some of the things that I have. If they managed to improve that I would be a happy camper.

7 years ago

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Verified Customer

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Sherman Lott Saluda, SC

Most of the customers that I deal with now use credit card instead of cash, so I thought I'd make it a convenient way of paying. I just called them and signed up. Customer service told me how the process works and helped me download the app. They also taught me how to process everything and things just worked out. The app is simple, even for an older person like me it was very simple to download it and process it. The call we had was pretty straight forward.

7 years ago

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Verified Customer

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Raheem Davis

I looked up an application that I could use and I read a little bit about it. So far customer service has been good, I really haven't had any problems with them. I've run into some issues with the machine because sometimes I'll swipe the card but get no reaction from the thing. I think it might be because of the chip, but I don't know. My only suggestion other than that would be to change the display a little so that I could have the items and images of them in there, that way I could show them to people.

7 years ago

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Verified Customer

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Rose Ann Griffin Knoxville, TN

I got it because there were a lot of people that wanted to use their credit cards instead of cash in my little business. I wanted to give my customers better service, so I got it. Every time I've needed help with something, they've been right there to help me. They've walked me through the things that I need to do to fix things. The equipment itself is easy to use, the app is ready to go as soon as you install it. I think they're doing a great job.

7 years ago

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Verified Customer

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Carlos I Reyes- Trujillo Pearland, TX

I got it because I needed to process credit cards for my business. I was approved quickly and they have responded quickly to everything. So far I haven't had any problems or questions. The system is easy to monitor and I can do it myself through an app. From there I can see my inventory and add pretty much anything that I want in the system. I'm extremely happy because of that. My experience has been wonderful.

7 years ago

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Verified Customer

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Jay Moran

They are very attentive to the my questions and have given me the service I requested. The equipment is all easy to access and it processes things quickly. I'm very comfortable with the way things work and happy with the service.

7 years ago

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Verified Customer

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Robert Vidal Miami, FL

I switched to them because I was looking for better rates. Every time I've called them with a question or an issue they've answered right away. Right now I'm using an iPhone adapter that doesn't work very well and I think they should update their mobile devices. Besides that though, things work well, I couldn't be happier.

7 years ago

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Verified Customer

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M.N. Salem, VA

I went with them since they had some of the better and more competitive rates. They have always been responsive and able to help me out. The system works and it's efficient, my needs have been satisfied as a small business owner. I'll continue to deal with them for the time being.

7 years ago

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Verified Customer

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Kenny Pham Valley Springs, CA

They were the best ones around and had the lowest fees and rates, that's why signed up. Overall it's good. The equipment is user friendly and every issue that has come up has been solved right away.

7 years ago

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Verified Customer

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Lacey Rhodes Tyler, TX

We signed up because they offered a great deal for small businesses. When I call I never had to be on hold for too long and they answer my questions promptly. The system itself is very simple to use.

7 years ago

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Verified Customer

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Tina Coleman Roseville, MI

I haven't had it for long, for so far everything has been ok. It was easy to get the app to work and everything is easy to access. They have answered any questions that I've had promptly.

7 years ago

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Verified Customer

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Dennis Smith La Marque, TX

I got it since the fees seemed reasonable. I haven't even started using it yet, but the person that we talked to was very nice. The equipment also seems to be pretty user friendly.

7 years ago

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Verified Customer

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Brenda Trammel Wichita, KS

The service was recommended by another therapist. Customer service has been kind, the person that answers my calls has been very helpful to me. The equipment is also easy to use.

7 years ago

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Verified Customer

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Courtney Hall Detroit, MI

I just needed a credit card company and they were the only ones that responded quickly enough. There was always someone there to answer my phone calls and questions in a timely manner. The equipment is also easy to use.

7 years ago

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Verified Customer

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Derek Terry Calumet City, IL

I signed up with CreditCardProcessing.com to build my business. It's a great company and their equipment is awesome. It's very easy to use and reliable.

7 years ago

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Verified Customer

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Creative Entertainment Group Miami, FL

It's Awesome ! I like the fact that they do not charge that much. I like the fact that they actually put your money in your account and a respectable amount of time.

7 years ago

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Verified Customer

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Star Dreams Pflugerville, TX

Once we got started, the service worked perfectly, the staff were attentive to my needs, and the funds were deposited as expected.

7 years ago

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Verified Customer

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Bryant Bradley Tampa, FL

All around, they are very informative and helpful. Everything has worked ok so far and we've had no problems with them. I trust them.

7 years ago

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Verified Customer

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Judy Tekulve Columbus, IN

I needed to be able to deal with credit cards, so I went with CreditCardProcessing for that. I've had no trouble with them or their system so far.

7 years ago

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Verified Customer

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Anna Enns Seminole, TX

We have a business so we needed a way to accept debit cards. So far my experience with them and their equipment has been good.

7 years ago

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Verified Customer

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Van Kham Santa Fe Springs, CA

I got them since they had low rates. Customer service always answers my phone calls and the equipment is user friendly. It's an excellent service.

7 years ago

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Verified Customer

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Debbie Wood Unicoi, TN

The people are really professional and courteous. As for the equipment, the instructions and directions are easy to follow.

7 years ago

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Verified Customer

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Denise Messenger Newport Coast, CA

It was easy to sign up with them. There's customer support for every department, plus the equipment is easy to manage. Overall it's a good service.

7 years ago

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Verified Customer

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Rosella Spencer Houston, TX

I just got it for my business. Their stuff is easy to use and everything. I think they're very trustworthy.

7 years ago

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Verified Customer

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JJC

THEY HAVE DEALT WITH MY EVERY QUESTION AND CONCERN QUICKLY, PROFESSIONALLY AND HAVE ALWAYS BEEN PLEASANT TO DEAL WITH.

7 years ago

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Verified Customer

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Gina Cummings Spanaway, WA

Their customer service has been pretty easy to deal with but I can't always access the software.

7 years ago

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Verified Customer

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HomemadebyMa

very fast and accurate, done in a day or two and send an email confirming transaction

7 years ago

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Verified Customer

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Yasmira

Easy to use, and it does everything that I need for my business

7 years ago

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Verified Customer

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Dental Care of Rialto Rialto, CA

they are responsive, friendly, and you can view your account online easily

7 years ago

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Verified Customer

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Robert Franklin, TN

Very honest about pricing and how to get the best rate. Easy to use app.

7 years ago

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Verified Customer

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Kenneth Haynes

The system is easy to use and customer service is always willing to help you.

7 years ago

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Verified Customer

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Larry White Yorktown, VA

I use their internet system. So far they have answered all of my questions.

7 years ago

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Verified Customer

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Donald Taylor Colorado Springs, CO

They have superior customer service and their equipment is quick.

7 years ago

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Verified Customer

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Dynamite Detailing

Easy to work with. Open and honest company. They do an awesome job!!!

7 years ago

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Verified Customer

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Creative Entertainment Group

The equipment was easy to access and easy to use.

7 years ago

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Verified Customer

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Bhakti San Jose, CA

the support team is consistently helpful and courteous

7 years ago

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Verified Customer

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gantt kushner Silver Spring, MD

excellent customer service, fees are very competitive.

7 years ago