Let's Find The Right Credit Card Processing Service For You

Pros / Moolah doesn't charge any gateway, setup or maintenance fees.

Cons / It can take longer to set up your account than other processors.

 Verdict / Moolah provides you with a free Authorize.net gateway and charges a single flat rate, making it a good choice for accepting credit cards online.

Moolah is a processor that allows your business to accept credit cards online and can also set you up with mobile credit card processing. Moolah works closely with Authorize.net, one of the largest providers of payment gateways, and you receive an Authorize.net gateway when you sign up with Moolah. This processor has a single flat rate and no additional fees.

All transactions through Moolah are processed at the same flat rate. A flat rate is a good option because all transactions have the same rate regardless of what kind of card your customers use. Moolah's rate of 2.89 percent plus a $0.29 per-transaction fee is around average for the industry.

Flat rates initially look more expensive than other pricing plans, but the online credit card processing companies that use them often charge fewer fees. Moolah doesn't charge a monthly fee. In addition, you don't pay a monthly gateway fee, and there isn't a setup fee or a gateway setup fee. Moolah doesn't have a monthly processing minimum you have to meet, nor does it charge any fees for PCI compliance.

All of the online credit card processing companies in our review were evaluated on their transparency and consistency. Moolah received a score of 75 percent. It posts its pricing and fees online, but no information about its terms.

Moolah's setup and service terms are its biggest downsides. It can take as long as 72 hours for your account to be approved. If you don't already have a website, you need to send marketing materials along with your application so it can verify your business.

Once you've been approved and begin processing, it can take up to three days for your funds to be deposited into your accounts. These are both longer timelines than the best online credit card processing companies require. Moolah has no long-term contract requirements. Your service with it operates on a month-to-month basis.

Moolah's customer service agents were helpful and well informed when our reviewers contacted them. We recommend calling customer service directly if you have questions, since it can be slow to respond through the contact form on the company's website. If you choose process credit cards online with Moolah, you're assigned a dedicated account rep.


Moolah doesn't charge any monthly or annual fees, and it includes a free Authorize.net gateway when you sign up. It offers flat-rate pricing and its processing costs are average. It has a longer setup time than most processors in our review.