Processing Credit Cards Review

Bottom Line

Processing Credit Cards provides payment processing services, focusing more on small business credit card processing to help those businesses grow.

Processing Credit Cards Highlights

  • Low industry rates
  • Free terminal or a free clover mini POS system
  • Rates as low as 0.24%


  • Business services available
  • 24/7 customer service
  • secure online gateway
  • Free setup consultation
  • Low rate guarantee


  • Not ideal for high risk industries or businesses

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Signing Up With Processing Credit Cards

Signing up with Processing Credit Cards is reduced to a single opt-in form to request a consultation and get set up with an account. You also have the option to call for account setup. A representative is quick to get you sorted and begin the application process.

Once processing begins many businesses are approved same day and Processing Credit Cards boasts rates as low as 0.24%. The businesses that don’t make it through are typically businesses that fall within the high risk categories (high risk of charge backs and illegal activity) such as gambling, tobacco, firearms, etc.

The representatives are extremely helpful on the phone in answering questions, which is a big benefit considering the website offers almost no details on services, features or value-added benefits. It’s essentially just a sales page to get you to apply.


Processing Credit Cards' services offer a lot of different features. By providing the a large breadth of services, the company gears specifically toward the small business owner, while still providing as many services for large businesses. 

That includes a free credit card terminal, mobile card reader and free processing software for a POS system. You also get full access and use of the payment gateway which can integrate with ecommerce solutions like BigCommerce and Shopify. For retail customers and those who travel you can also utilize the virtual terminal or tie it all together in your POS software.

Clients also get a wide selection of payment types accepted by Processing Credit Cards including credit and debit card processing, check guarantee services, gift card & loyalty programs, online ordering (restaurants) as well as value added services for businesses including cash advances and business loans. That’s a lot of great perks for a growing small business to get their hands on early in the game.

Customer Support

Processing Credit Cards provide standard points of contact for the industry making their customer service available via online chat, submission form or telephone. They boast 24/7/365 customer service however there’s no clear indication of whether support services are based in the U.S.

Based on tests to reach customer support during peak business time and off hours, there was no push-button menu to navigate and after a brief welcome message the call was answered by a support representative within 1 ring. The greeting included the representative thanking me for calling. This indicates that support services are provided by the primary processor behind Processing Credit Cards.

Rates And Fees

One of the most attractive things about Processing Credit Cards is the low rates offered comparative to other merchant services. They are very attractive rates for small business owners.

The rates can run as low as 0.24% for keyed merchants and can also vary based on the type of card being used. There are also indications of rate variance including lowest rate, qualified rate, mid-qualified rate and non-qualified rate.

To get the qualified rate you have to meet certain criteria such as swiping the card and closing the daily batch at the appropriate time. The mid-qualified rate applies to certain card types and is the rate that you should expect for most transactions. Processing Credit Cards boasts that their mid-qualified rate is better than the qualified rate of other processors.

Non-qualified rates are assigned to certain card types including cards from non-US banks. Transactions that are not batched properly also drop into a non-qualified rate.

Despite getting a free terminal and other hardware and software, there is zero transparency on monthly rates, minimums or rates regarding PCI compliance, so it is a bit difficult to make a fully informed decision on Processing Credit Cards.

Processing Options

Processing Credit Cards offers an impressive selection of processing options to suit the many ways merchants do business. This includes debit and credit transactions face to face, over the web, and via mobile devices for businesses or representatives that are on the go or work in the field.

Free support assistance is provided for helping you configure and setup your equipment and gateway.

Accepted Payment Types

Aside from the standard acceptance of Visa, MasterCard, American Express and Discover they also have integration for gift cards, check processing, Apple Pay, Android pay, Samsung Pay, and Instant accept through QuickBooks.

Bottom Line

We like what Processing Credit Cards has done for small businesses, and large business alike, taking their volume of features and benefits and offering it in a nice simple bundle for the startup business. Their Instant Accept integration is also a great addition for growing businesses who utilize QuickBooks. With their support services being top notch, you can rest assured that you’ll always get quality support should issues arise.

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