![]() ![]() ![]() Payline’s focus on medical, nonprofits, and educational services goes beyond reduced rates. It does this through PayTrace, which requires you to upgrade to a higher membership plan. While we prefer Chase Merchant Services for B2B sales, Payment Depot also offers credit card processing with Level 2 and 3 rates. ![]() Other FSB reviewers have had similar experiences, and the user reviews also call out the great service. The support person was friendly, helpful, and did not try to hard-sell me anything. I sent a question via the contact form and got a call minutes later. We give Payment Depot kudos for customer support. It reprograms your POS equipment for free. However, Payment Depot itself integrates with QuickBooks, POS systems, and other software. Your sales representative will help you find the best one, along with POS software and equipment.īecause of the choice of virtual terminals (something you also find with Payline and Chase), the specific features will vary. For higher plans or specific situations, you may do better with PayTrace or NMI. Unlike most of the products on this list, Payment Depot does not have its own virtual terminal, but gives you a choice of several, depending on your plan. It does not always charge for chargebacks, and when it does, the cost is comparable to that of PayPal. ![]() You can even set it to automatically decline transactions below a certain score. Helcim’s Fraud Defender analyzes each transaction before it happens to give you a score on perceived risk. In some cases, like with Payline’s Start Plan, you need to provide that compliance yourself. The platform itself is PCI-compliant, which is necessary for businesses. Helcim tokenizes credit card information in the card vault so that sensitive card information does not touch your system, providing better security for your customers. Finally, it accepts ACH payments, something you don’t find with some of the payment processors on our list, like PayPal. You also get a mobile app and a free POS system that can work on your existing smartphone, iPad, or tablet. The virtual terminal also works on any device, making it a great tool for taking payments on the sales floor as well as at the register. In addition to one-time sales, you can easily send invoices or set up recurring payments to automatically bill customers at a schedule of your choosing. All the services on our list share this feature, but many of those we evaluated did not. Helcim offers a simple virtual terminal that lets you put in credit card information. Payline Data and Payment Depot have comparable chargeback programs. Square itself does not charge fees, but other payment processors, such as PayPal or the financial institution in question, may. In addition to features, Square stands out in chargeback protection by waiving chargeback fees of up to $250 each month. The free mobile app comes with a card reader, so you can take advantage of the lower in-person transaction rate. If you integrate with QuickBooks or other accounting software, the information from the virtual terminal is tied in as well. Plus, it’s fully integrated into Square, so inventory gets updated, and changes in your online store are also reflected in the virtual terminal. Like most Square products, the virtual terminal is free, easy to set up, and user-friendly. Chase, in particular, says it will integrate inventory, but does not provide a POS system. Most of the other virtual terminals on our list are more basic, requiring you to manually input the items and prices unless you tie it to a POS system. It integrates with the virtual terminal, so you can itemize sales, calculate taxes, input discounts, and save customer information. Square comes with free POS software for handling inventory and managing customers. ![]()
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