Charge.com

While their initial fees are slightly higher than what is available through our other top picks for credit card processing solutions, Charge.com has several free features that make them a competitive choice in credit card merchant accounts. They offer top of the line features, great benefits and excellent customer support to help you and your business move forward without wasting time during the set up process.

Features

When you sign up with Charge.com you will be set up with free internet processing software or a free credit card terminal with a built-in printer. The internet processing software is an excellent choice for business that sell product through their company website. Once a customer enters their information and creates an order, their card will be charged within only a few seconds. In addition, an email with the order information will be sent to your designated address for processing and shipment. With Charge.Com, funds hit your account in a slightly longer amount of time than with other credit card processing options, but still fairly fast. Within two to three business days the funds will appear in your account.

The free credit card terminal and built in print that is available through Charge.com is a great option for restaurants, hotels and offices. The terminal allows you to swipe your customer’s card and provide them with a receipt. One of the great benefits that we found with this solution is that it uses thermal paper instead of requiring ink, making it a cheaper option than some other solutions available.

Benefits

Charge.com is one of the two credit card processing companies we found that offer mobile credit card processing. Unlike Merchant One that works using an iPhone App, Charge.com mobile credit card processing is available with the iPhone, iPad, Android, Blackberry and other cell phones. It is an easy and convenient solution for food delivery employees, plumbers and other on-site repair men, trade show vendors and taxi drivers. Charge.com processes all your credit cards in real time so you don’t have to worry about the transactions, only marketing and selling your products and services.

Customer Support

Charge.com is unique in that they don’t provide a toll free phone number across their web page for users to call and speak with a representative before setting up their account. You can apply online but the only way to apply or contact a representative before being approved for an account is through a form on the Charge.com website. Once you are approved for an account you will be given a toll-free phone number where you can receive customer service or technical support 24/7. Every credit card processing company we have reviewed offers this service and if you are looking into one that doesn’t provide you with this service, we suggest you look again.

Summary

Charge.com has several key factors that can make them the top of the list. One of their greatest benefits is the versatility of their mobile credit card processing abilities. With a wide range of compatible devices, this could be a great investment for any business. The company provides the virtual or physical terminal with fraud protection and real time processing so you can rest easy knowing you are in good hands. As we mentioned above it takes two to three days for the transaction to appear in your account, which is longer than other options, but we feel because of their benefits, the company is still a worthwhile choice and one of the best credit card processing solutions available.