Small Business CC vendor service

[ManvsDuck]

Small business owners, What is the best and cheapest service you have found to accept Credit Card payments from customers? Square, Stripe, PayPal, Amazon, other? I do not have a store front retail business and my average transactions per month would be 5-10, each transaction several to many thousand $.

The traditional bank "transaction fees" are outrageous(and a scam, frankly) and Square or etc. is not that much better. It seems ridiculous that a small business would have to pay well over $1,000/mo to accept credit cards so different banks can electronically talk to each other over the course of a few seconds.

Begging customers to pay with check or cash is not feasible either. Suggestions?

[Jay]

I use intuit payment solutions. Are they wanting to charge you 1000/mo just to offer CC processing or is that what the fees would add up to?

[Highstrung]

I use NAMS, North American Merchants Services. I've found they're all the same. I just look for service, that's what I want. I want to call someone and say "fix it".

[ManvsDuck]

I use intuit payment solutions. Are they wanting to charge you 1000/mo just to offer CC processing or is that what the fees would add up to?

Just what the fees would add up to. 2.75-2.9% for swipe or 3.25-3.5% for keyed/portal + .30/transaction fee + blah blah blah.

Thanks for response. Intuit is on my list to look into.

[marsh chicken]

Paypal

[beech]

In general you'll pay about 3% of gross sales to process plus some monthly fees. PM me if you want a contact here in the lowcountry I work with. Your final cost will depend on how you're accepting cards. Point of sale, a gateway or mobile device.

[Biggie1976]

A friend works for a company called heartland payment systems and he has been switching a lot of folks over and saving them a few bucks. From what he says they are a good company but you know how that goes.

[Steelin' Ducks]

Paypal

This seems to be a good option for your needs.

[Slaya]

I use Atlantic Coast Merchant. Happy, and much less expensive than Square.

[willyworm]

I almost went to work for Heartland last year. The commission-only thing scared the wife, and after some discussion I had to walk away. Glad I did though. This Spectrum Business gig is pretty sweet.

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[Biggie1976]

This Spectrum Business gig is pretty sweet.

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My man!

[willyworm]

Like HS said, all these companies resell for the same 4 big companies. Except for Heartland, they sell their own product so no 3rd party involved.

From what I can tell there isn't much difference between the merchants, support is the big thing. You find a company with good customer service, stick with em.

That being said call Daniel with Card Payment Services. 803-372-5713 He can at least tell you if he has something would help you out, if nothing else but for a basis to compare stuff to.