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Accepting Credit Cards

Business experts all agree that accepting credit cards increases profits by bringing in more customers. But what's the best credit card processing company for your business? Answer the 6 questions below for an immediate answer. Then click on the company of your choice to visit their web site and sign up!


How many dollars in average monthly credit card sales do you anticipate? (We will assume a steady growth rate, for our calculations)
First Month Sales: $
Monthly After 3 Years: $
Average Transaction Amt: $
What percentage of the "Monthly After 3 Years" sales will be face-to-face with the customer?
Face-to-face:	%
If you are currently borrowing money (for example, if you have a mortgage), what interest rate do you pay? Otherwise, if you have money invested (for example, in a CD or IRA), what interest rate do you receive? If you don't know, use 6.0%.
Loan Rate:	%
About how many months will it be before you require immediate automatic on-line credit card validation? (If you need it now, use "0". If you do not anticipate needing it in the next three years, use "99")
Months Without Gateway:

The companies listed here have been selected as the best and/or the most popular for internet business. To see how much you would save by switching from your current processing company, or to add another possibility to the list, fill in the top line in the table below before clicking "Calculate Which Is Best". Most processing companies try to conceal some of their fees until you sign up; so make sure you get a fee schedule in writing before taking the plunge, if you go with a company not listed here.

Where two figures are shown, separated by a slash (/), the first is for internet business and the second is for face-to-face (card-swipe) transactions.


Company	One-time Fees	Monthly Minimum	Monthly Gateway	Other Fees (Monthly)	Percent Fee	Transact Fee

Merchant Accounts Express	297/150	25	15	10	2.15/1.65%	.25/.20
Electronic Transfer Inc.	199/150	20	15	15	2.15/1.65%	.25/.20
Credit Card Processing Services	249/150	10	15	10	2.19/1.59%	.40/.20
Capital Merchant Solutions	300/165	20	10	10	2.19%	.29
BankCard Systems	595/150	25	15	10	2.25/1.65%	.30/.20
AMS Merchant Account Serices	234/265	25	15	10	2.29/1.59%	.30/.25
1st American Card Service	359/525	20	0	9	2.30/1.56%	.30/.25
CyberAuthorize	199/150	0	20	15	2.35/1.65%	.30/.25
Charge.com	199/395	25	15	10	2.35/1.65%	.30/.20
Card Service International	790	25	20	10	2.35/1.71%	.25/.20
Electronic Payment Processing	295/150	0	10	16	2.49/1.64%	.50/.25
PayPal	0	0	0	0	2.90%	.30
ClickBank	50	0	0	0	7.50%	1.00