10 beste tjenester for behandling av kredittkortbetalinger for små bedrifter

Anmeldelser av de beste tjenestene for kredittkortbehandling for små bedrifter

1. 

   1

   Square

   Best for built-in business management

   • Free plan available; 30-day free trial on paid tiers
   • From $49/month

   Visit Website

   Customer Rating:4.7/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Square offers credit card processing along with a full suite of tools designed for small businesses across retail, restaurants, and service industries. Beyond payments, it helps you manage inventory, employees, appointments, and cash flow, making it a flexible option for companies that want everything in one platform.

   Why I picked Square: I chose Square because it provides more than just payment processing. With hardware options like handheld readers and POS terminals, you can accept in-person, online, and mobile payments. On top of that, Square’s built-in inventory management and scheduling tools help small businesses track products and staff without needing extra software. Its transparent, contract-free pricing also makes it easy to predict costs.

   Standout Services: Square combines payments with banking features, giving you quick access to sales revenue through Square Banking. The platform also offers order management for restaurants, appointment scheduling for service businesses, and customer loyalty programs to drive repeat visits. These extras make it stand out from processors that only handle transactions.

   Target industries: Retail, food and beverage, beauty, and services.

   Specialties: Payment processing, POS hardware, inventory management, appointment scheduling, and banking integration.

   Pros and Cons

   Pros:

   • Includes appointment scheduling
   • No long-term contracts
   • Built-in inventory management

   Cons:

   • Higher fees at scale
   • Limited global availability
   Learn more about Square:

   • Check out Square on their website
   • Read my in-depth review of Square
   • Explore best alternatives to Square
2. 

   2

   Payment Depot

   Best for secure transactions

   • 3-month free trial
   • From $79/month

   Visit Website

   Customer Rating:4.7/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Payment Depot is a credit card processing service with a membership-based pricing model for small businesses. By eliminating percentage markups, it aims to reduce your effective transaction costs while supporting in-person, online, and mobile payments.

   Why I picked Payment Depot:

   I picked Payment Depot for its security-first approach. With 3D Secure and real-time fraud monitoring, it helps protect transactions and customer data, which translates to fewer headaches, fewer disputes, and more trust at checkout.

   I also value its reporting depth. Detailed transaction and sales insights make it easier to monitor trends, reconcile faster, and make better decisions about pricing, promotions, and cash flow.

   Standout services: Payment Depot supports multiple acceptance methods—card-present, online, and mobile—along with a broad range of compatible payment terminals to fit different environments. You also get a dedicated account manager for hands-on support when you need configuration help or quick answers.

   Integrations: Cerbo Software, QuickBooks Online, Zoho CRM, Zoho Billing, GoHighLevel Integration, Ecommerce Software, LeadsBridge, WordPress, WooCommerce, Magento, Stella, and Authorize.Net.

   Target industries: Small businesses that want predictable, membership-based pricing with robust security and hands-on support.

   Specialties: Membership pricing, in-person payments, online payments, mobile payments, 3D Secure, real-time fraud monitoring, reporting and analytics, terminal compatibility, dedicated account management.

   Pros and Cons

   Pros:

   • Good customer service and support, with dedicated account representatives.
   • Easy integration with various platforms, making it flexible for different business needs.
   • Provides a free virtual terminal in all pricing plans.

   Cons:

   • Limited to US-based merchants and does not accept high-risk businesses.
   • Occasional technical glitches with the payment system, disrupting transactions.
   Learn more about Payment Depot:

   • Check out Payment Depot on their website
3. 

   3

   Stax

   Best for high-volume credit card processors

   • Free quote available
   • Pricing upon request

   Visit Website

   Customer Rating:4.2/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Stax Pay gives you an all-in-one payment platform built for small and medium-sized businesses that need to accept credit cards, run invoices, and track payments — whether in person, online, or on the go. It’s a good fit if you run a retail shop, a service-based business, or an e-commerce site and want to bring payment processing, invoicing, and finance reporting together under a single tool.

   Why I Picked Stax Pay

   I picked Stax Pay because it offers a subscription-based pricing model that replaces traditional percentage-based markups with fixed per-transaction fees plus a monthly fee — making it potentially cheaper if your business processes a high volume of credit-card sales. It also supports a wide variety of payment types (swiped, keyed-in, chip/tap, online payments, digital wallets) and gives you the flexibility to handle both in-person and online transactions from the same account. These capabilities make Stax Pay especially suited to businesses that need to accept different payment methods and want predictable processing costs as they grow.

   Stax Pay Key Features

   Aside from the pricing model and payment flexibility, Stax Pay offers a rich set of tools that support various payment workflows and business operations:

   • Branded invoicing and hosted payment pages: Lets you generate custom invoices with itemized products/services, set custom tax rates, and share payment pages or buttons so customers can pay online without needing a full e-commerce setup.
   • Recurring and scheduled payments: Lets you set up customer profiles and schedule automatic invoicing and payments on a recurring or one-time basis, which helps with subscription-style or repeat-billing businesses.
   • Unified reporting and analytics dashboard: Gives you access to payment activity, deposit tracking, sales trends, customer payment history, and financial reporting all in one place.
   • Mobile POS and virtual terminal: Lets you accept payments via swipe, dip, tap, or by manually keying card details from a computer or mobile device — useful for remote, on-the-go, or phone-based transactions.

   Stax Pay Integrations

   Integrations include QuickBooks, Salesforce, WooCommerce, Shopify, BigCommerce, Magento, Xero, NetSuite, FreshBooks, and Zapier. An API is also available for custom integrations.

   Pros and Cons

   Pros:

   • Ability to pass processing fees to customers where surcharge laws allow.
   • Supports various payment methods, including mobile processing.
   • Transparent subscription-plus-interchange pricing gives predictable costs.

   Cons:

   • Subscription fee may outweigh savings for low-volume merchants.
   • Next-day funding isn’t guaranteed and sometimes comes with extra cost.
   Learn more about Stax:

   • Check out Stax on their website
4. 

   4

   Stripe

   Best for fraud prevention

   • Not available
   • From $620/month

   Visit Website

   Customer Rating:4.6/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Stripe is a versatile payment processing platform for online and in-person transactions. It gives businesses of all sizes—especially small businesses—the tools to accept payments and manage financial operations effectively.

   Why I picked Stripe:

   I picked Stripe for its robust fraud prevention tool, Radar, which protects your transactions and the health of your business. With Radar, you can automatically block fraudulent charges so you can focus on growth instead of chasing disputes. Stripe’s revenue automation tools, like Billing, also simplify invoicing and recurring payments, making it easier to handle subscriptions and bill customers without hassle.

   Stripe also supports 100+ payment methods so you can serve a global customer base. You can accept payments in multiple currencies and through popular digital wallets to boost conversion and customer convenience. On the financial ops side, tools like Connect and Payouts help you move money seamlessly—transferring funds and issuing payouts to partners or vendors with less back-office friction.

   Standout services: Stripe includes identity verification to keep transactions legitimate and secure, startup incorporation services to help new businesses launch with the right legal structure, and an App Marketplace with third-party apps and plugins to extend functionality and tailor Stripe to your workflow.

   Integrations: Shopware, Adobe Commerce (Magento 2), PrestaShop, WooCommerce, WebToffee, WHMCS, and more.

   Target industries: Businesses of all sizes—especially small businesses—and platforms/marketplaces that need global payments and streamlined payouts.

   Specialties: Fraud prevention (Radar), recurring billing and invoicing (Billing), 100+ payment methods, global currencies and digital wallets, marketplace payouts (Connect, Payouts), identity verification, startup incorporation, app marketplace integrations.

   Pros and Cons

   Pros:

   • Stripe Connect supports onboarding and payouts, offering flexibility in managing payment processes.
   • Supports over 135 currencies, facilitating global transactions for businesses with international customers.
   • Highly customizable payment solutions allow businesses to tailor their payment processes to specific needs.

   Cons:

   • Requires developer expertise for full functionality, which can be a barrier for small businesses without technical resources.
   • Designed for online merchants, which may not suit businesses needing comprehensive in-person payment solutions.
   Learn more about Stripe:

   • Check out Stripe on their website
   • Read my in-depth review of Stripe
   • Explore best alternatives to Stripe
5. 

   5

   Toast

   Best for restaurants

   • Free demo available
   • From $69/month

   Visit Website

   Customer Rating:4.2/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Toast provides POS and payment processing services tailored specifically for the restaurant industry, focusing on enhancing operational efficiency and customer experience. They serve various dining establishments, helping manage orders, payments, and overall restaurant operations.

   Why I picked Toast: Toast offers a comprehensive suite of tools that cater to the unique needs of restaurants, allowing your team to handle orders and payments efficiently. Their all-in-one platform integrates with kitchen displays and online ordering, reducing manual entry and errors. You can also benefit from real-time reporting, giving you insights into your operations.

   Standout Services: Toast offers online ordering, allowing customers to place orders directly from their devices, which can boost sales and enhance convenience. They also provide kitchen display systems that streamline communication between front-of-house and kitchen staff, reducing errors and speeding up service.

   Target industries: Restaurants, cafes, bars, food trucks, and catering services.

   Specialties: Point of sale systems, online ordering, kitchen display systems, real-time reporting, and integrated payment processing.

   Pros and Cons

   Pros:

   • Supports online ordering
   • Integrated with kitchen displays
   • Tailored for restaurant operations

   Cons:

   • Limited to the restaurant industry
   • Pricing details not transparent
   Learn more about Toast:

   • Check out Toast on their website
   • Read my in-depth review of Toast
6. 

   6

   Lightspeed

   Best for retail stores

   • 14-day free trial
   • From $89/month (billed annually)

   Visit Website

   Customer Rating:4.1/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Lightspeed offers embedded payment processing services specifically designed for retail businesses, focusing on point-of-sale systems, inventory management, and ecommerce solutions. Their primary client base comprises industries such as retail, restaurants, and golf facilities, offering a comprehensive suite of tools to manage business operations.

   Why I picked Lightspeed: Lightspeed focuses on retail businesses, which means your team can benefit from tailored solutions, such as integrated inventory management and ecommerce capabilities. You can easily manage transactions both in-store and online, reducing the need for separate systems. Their advanced marketing tools also help you engage with customers more effectively.

   Standout Services: Lightspeed provides 24/7 customer support, ensuring your team has access to assistance whenever needed, which is crucial for businesses operating at different hours. Moreover, their marketing tools enable you to craft targeted campaigns, helping you attract and retain customers effectively.

   Target industries: Retail, restaurants, golf, apparel, and electronics.

   Specialties: Point of sale systems, inventory management, ecommerce solutions, marketing tools, and 24/7 customer support.

   Pros and Cons

   Pros:

   • Advanced marketing tools
   • Supports both in-store and online
   • Integrated inventory management

   Cons:

   • Setup can be complex
   • Pricing details not transparent
   Learn more about Lightspeed:

   • Check out Lightspeed on their website
   • Read my in-depth review of Lightspeed
7. 

   7

   Adyen

   Best for multichannel payments

   • Free demo available
   • Pricing upon request

   Visit Website

   Customer Rating:3.8/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Adyen provides payment processing solutions across multiple channels, including in-store, online, and mobile, for businesses of all sizes. They focus on helping companies manage transactions globally, offering a unified platform to streamline payment operations.

   Why I picked Adyen: Their multichannel payment capabilities allow your team to handle transactions seamlessly across different sales channels. You can integrate their system with your existing platforms, ensuring a consistent customer experience. Their real-time data insights help you understand customer behavior and optimize payment processes.

   Standout Services: Adyen offers risk management tools to protect your business from fraudulent activities, providing peace of mind while handling transactions. Their unified commerce feature enables you to integrate your sales channels, providing a consistent shopping experience for customers whether they are online or in-store.

   Target industries: Retail, hospitality, travel, digital goods, and financial services.

   Specialties: Multichannel payments, risk management, real-time data insights, unified commerce, and global transaction support.

   Pros and Cons

   Pros:

   • Risk management tools
   • Real-time data insights
   • Multichannel payment solutions

   Cons:

   • Potentially complex setup process
   • Pricing details not transparent
   Learn more about Adyen:

   • Check out Adyen on their website
   • Read my in-depth review of Adyen
8. 

   8

   SumUp

   Best for mobile businesses

   • Free demo available
   • From 3.25% plus $0.15 per transaction

   Visit Website

   

   SumUp offers mobile card readers and payment processing solutions tailored for small businesses and entrepreneurs on the go. Their services are designed to facilitate easy and secure transactions, catering primarily for mobile enterprises and freelancers.

   Why I picked SumUp: SumUp provides portable card readers that allow your team to accept payments anywhere, which is ideal for mobile businesses. With no monthly fees, you only pay a fixed percentage per transaction, making it a cost-effective option. Their straightforward setup process means you can start accepting payments quickly without hassle.

   Standout Services: SumUp’s invoicing capabilities allow you to send professional invoices directly from the app, which helps you manage billing efficiently. Their online store feature lets you create a simple ecommerce platform to sell products, extending your reach beyond physical sales.

   Target industries: Mobile vendors, freelancers, retail, services, and artisans.

   Specialties: Mobile card readers, payment processing, invoicing, online store creation, and app integration.

   Pros and Cons

   Pros:

   • Easy setup process
   • Portable card readers
   • No monthly fees

   Cons:

   • Transaction fees can add up
   • Limited to supported countries
   Learn more about SumUp:

   • Check out SumUp on their website
9. 

   9

   Shopify Payments

   Best for ecommerce businesses

   • 3-day free trial available
   • From $29/month (billed annually)

   Visit Website

   

   Shopify Payments offers integrated payment processing services designed specifically for ecommerce businesses operating on the Shopify platform. They focus on providing a simplified payment experience for online stores, allowing companies to manage transactions directly through their Shopify accounts.

   Why I picked Shopify Payments: Their integration with your Shopify store ensures a smooth checkout process for your customers. You don't need to set up third-party payment gateways, which saves time and reduces potential errors. Additionally, transaction fees are transparent, helping you better manage your costs.

   Standout Services: Shopify Payments provides multi-currency support, enabling your store to accept payments in various currencies, which is particularly beneficial for international sales. They also offer fraud prevention tools that automatically monitor transactions, helping you protect your business from fraudulent activities.

   Target industries: Ecommerce, retail, fashion, electronics, and home goods.

   Specialties: Online payment processing, integration with Shopify, fraud prevention, multi-currency support, and simplified checkout.

   Pros and Cons

   Pros:

   • Multi-currency support
   • Transparent transaction fees
   • Direct integration with Shopify

   Cons:

   • Transaction fees may be high
   • Only available on Shopify platform
   Learn more about Shopify Payments:

   • Check out Shopify Payments on their website
10. 

    10

    Chase Payment Solutions

    Best for integration with Chase accounts

    • Free consultation available
    • From/$49

    Visit Website

    

    Chase Payment Solutions offers secure payment processing services for businesses, with a focus on online and phone transactions. They serve industries like ecommerce and restaurants, offering integrated solutions to streamline payment acceptance.

    Why I picked Chase Payment Solutions: Their integration with Chase accounts offers a seamless experience for your team, simplifying financial management. You can use Chase QuickAccept for mobile credit card processing, which ensures flexibility in accepting payments. Additionally, their Authorize.net service supports online payments, making it easier for you to manage transactions.

    Standout Services: Chase Payment Solutions provides Chase QuickAccept, which enables businesses to accept credit card payments via mobile devices, providing flexibility for those on the go. They also offer Authorize.net service, supporting online transactions that cater to businesses needing a reliable solution for handling ecommerce payments.

    Target industries: Ecommerce, restaurants, retail, healthcare, and professional services.

    Specialties: Online payment processing, mobile payment solutions, integration with Chase accounts, customer insights, and online banking tools.

    Pros and Cons

    Pros:

    • Secure transaction handling
    • Mobile payment options
    • Easy integration with Chase accounts

    Cons:

    • May require Chase account for full benefits
    • Pricing details not readily available
    Learn more about Chase Payment Solutions:

    • Check out Chase Payment Solutions on their website