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CreditCard Processing.com Review

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PROS / You can choose from both tiered and interchange-plus pricing with this company.

CONS / This service's website doesn't list information about costs and fees.

 VERDICT / CreditCardProcessing.com is a good payment gateway service with good rates and no lengthy contract requirement.

CreditCardProcessing.com, a reseller of iPayment, has various pricing options, excellent customer service and reasonable contract terms. These make this payment gateway service a solid choice.

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While we tested for this review, we put particular emphasis on services that offer both tiered pricing and interchange-plus pricing. This gives you more options to choose from. While interchange-plus is recommended by most industry experts, tiered may be a good choice for your business.

CreditCardProcessing.com has competitive rates. Its interchange-plus rate is 0.30% + $0.10, which is average in this industry. For tiered pricing, the qualified rate for debit cards and credit cards is comparatively low, at 0.35% and 1.55%, respectively.

You should expect to pay some monthly fees with CreditCardProcessing.com. It has a low monthly fee at $7.95. You must also meet a monthly minimum in processing costs of $25 and pay a yearly PCI-compliance fee of $119. EMV-ready terminals are available from this service at one of the lowest prices we saw from the companies on our lineup.

Throughout our testing, we looked at not only the fees and rates but also the transparency and consistency of the information we received when we contacted the company. We reached out to CreditCardProcessing.com multiple times, and each time the information we received was consistent. You must call to get this information, however; there is no pricing information available on the company's website.

This payment gateway company has no long-term commitment requirements, meaning that you would have a month-to-month schedule. If you choose to switch processors at some point in the future, you can do so with this flexible plan. There is also no cancellation fee should you choose to terminate your relationship with this processor. Should you choose to accept the merchant gateway's offer for free equipment, you'll be required to sign a 12-month contract, after which your service switches to month-to-month terms.

The application to work for this company is fast and simple, with most of the documents available to be signed electronically. As with all of the payment gateway providers on our site, we recommend thoroughly reading through the contract and program guide before you apply or sign anything. Setting up your account usually takes as little as one day. Once you start processing, it typically takes between one to two business days for the money to be deposited in your account. This is consistent with the industry average.

We found that CreditCardProcessing.com offers solid customer service, especially since it provides its customers with a dedicated account representative. In addition to contacting your dedicated rep, customer service is available 24/7 over phone. However, there is no live chat available on this company's website.


CreditCardProcessing.com is a solid payment gateway service option for your business. It doesn't require a long contract and offers both interchange-plus pricing and tiered pricing.

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