Best Merchant Services
of 2025

Accept payments with ease and keep your cash flow strong. Compare merchant service providers built to support small business growth.

Accept payments with ease and clarity

Your customers expect smooth, secure payment options, online and in person. The right merchant service provider helps you accept credit cards, mobile payments, and more, without the hassle.

At Business Heroes, we break down the best merchant service solutions by fees, features, and support so you can choose the one that fits your business type and sales volume.

How it works

Scan and Compare

Explore the top merchant service providers side by side. Compare key features and pricing at a glance.

Filter to Fit

Quickly narrow down your options. Sort by business size, budget, or payment needs.

Pick and Go

Choose your ideal merchant service provider. Start a trial or sign up in just a few clicks.

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Why choose Business Heroes?

Join a growing community of business owners who rely on our research to power their growth.

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Articles & Resources

Meet the team

Our ‘Heroes’ are here to guide you through the tough decisions of running a business. They offer a wealth of information, from insightful articles and in-depth case studies to practical advice tailored for SMB owners.

Expert

Leeron Hoory

Tech and Finance Specialist

Expert

Anna Sonnenberg

SaaS Expert

Expert

Yoni Cohen

Managing Editor

Expert

Eden Zurek

Content Marketing Manager

Expert

Leeron Hoory

Tech and Finance Specialist

Expert

Anna Sonnenberg

SaaS Expert

Expert

Yoni Cohen

Managing Editor

Expert

Eden Zurek

Content Marketing Manager

Frequently asked questions
What are merchant services?
Merchant services are payment-related services and solutions that help businesses process transactions, such as credit card payments, debit card payments, and online transactions. These services include POS systems, payment gateways, and equipment to facilitate secure transactions for businesses.
Do I need a merchant account for my business?
Yes, a merchant account is essential for any business that wants to accept credit or debit card payments. It acts as a bridge between your business and the bank, enabling funds to be transferred from customers' accounts to your business account.
How do merchant services work?
Merchant services typically include the tools to accept payments, whether in person (via POS systems) or online (via payment gateways). The service processes the payment securely and deposits funds into your business account, typically after deducting transaction fees.
What are the costs associated with merchant services?
Costs for merchant services can vary, but common fees include monthly service fees, transaction fees (typically per sale), and equipment costs for card readers or POS systems. It's important to compare providers to find a cost structure that fits your business.
How can merchant services improve my business?
Merchant services streamline payment acceptance, enhance security, and improve customer experience by offering faster, more efficient ways to process payments. This can help increase sales and customer satisfaction.