Choosing a credit card payment gateway for your online business can be hard. There are so many options with different tiers of fees and features depending on plan or volume of transactions your business does. That’s why we’ve reviewed some of the most popular providers available today, helping you to make the best possible choice for your requirements.

Keystroke Express POS – Payment Processing Software

Virtually any business or non-profit can use KashBox to process credit cards. The application is powered by Mercury Payment Systems, an innovative payment processing service provider.

Main Features

• Web-based reporting
• Extended payment descriptions
• Payment reference information
• Automatic end of day settlement

Review Notes

• Available in two forms, Limited Edition and Plus.
• Enable to accept and manage most payment methods.
• A PIN pad device is required to process ATM/debit cards.
• Run on multiple computers, no more sharing a credit card terminal.
• All that is required is a simple registration.
• Additional features in KashBox Plus.
• Allows you to checks all major credit cards.

URL: http://www.keystrokepos.com/ExpressPOS.shtm

Pay Advantage

Pay Advantage sis on of the leading payment solutions providers available, offering the services such as direct debit, BPAY, virtual terminal and accepting credit card payments from the worlds largest card schemes – Visa and MasterCard.

Whether you have an online store and looking to accept credit card payments via a virtual terminal, or run a personal training business and need to set up a recurring direct debit facility, they can offer a solution for any type of situation and for whatever industry.

Main Features

• Anti-fraud protection and verification
• Accept payments on any device
• Recurring payments through direct debit billing
• BPAY – upgrade your payment options for large amounts
• Virtual terminal solutions
• Third-party API integrations
• Automated payment requests

Review Notes

• One-click payment process helps automate mundane tasks
• Very easy to use UI to initiate set up and deploy payment solution.
• Advanced reporting dashboard with alerts
• Real-time data reporting
• Ability to on-charge fees to customers, with advanced features.
• API third-party integration with accounting software like Xero, reducing administration through automation of reconciliation.
• Improve cash management and customer service.
• Papperless receipts delivered directly to customers email.
• Software allows you to manage customers as well as payments, consolidating data and management of such activities.

URL: payadvantage.com.au

Smart Payment Solutions

This service payment solution company helps corporations and non-profit organizations increase cash flow and control costs. The solution is a web-based program which means that you don’t have to install any software on your computer.

This solution eliminates the need to work with multiple payment vendors and can manage diverse payment platforms including automated clearing house software applications.

Main Features

• Advanced fraud screening and verification
• Convert paper checks to electronic checks
• Recurring payments
• Payments to suppliers
• Remote deposit capture
• Direct deposit of payroll
• Virtual payments platform

Review Notes

• Free Check Recovery program. Enables to reduce your risk in accepting checks.
• Ease of use is one of the best things about smart payment solutions.
• Enables you to run your checks through a scanner which sits on your desk.
• Specializes in ACH (Automatic Clearing House) and credit card processing.
• You will be able to collect payments by converting paper checks to electronic.
• You can increase profits by reducing credit card processing fees.
• Improve cash management and customer service.
• You can eliminate costs related to preparing and mailing invoices.
• Thanks to the web-based interface, you’ll will be able to deposit checks without leaving your office.

URL: https://www.smartpayca.com/

Verifone – Credit Card Authorisation

Designed to grow with your business, the program also allows you to incorporate several security features to help protect you and your customers. In addition, their smart card readers allows you to expand options as your payment needs evolve.

Overall, Verifone provides all the right tools in a simple format. Besides, the application enables you to support several payment options including checks, debit and credit cards.

Main Features

• Integrated solution
• Scalable payment platform
• End to end support
• Portfolio of hardware and services
• Common Payware API
• Payment transaction flexibility
• Adaptable to customer needs

Review Notes

• Allows to take a single-source approach to managing your electronic payments.
• Helps consolidate payments from different sources. Simplifies the creation and updating of application programs.
• Significantly improve business processes with sophisticated workflow features.
• Supports multiple deployment options with Java based engine
• Provides all the right tools in a simple format and at a nice price.
• The Direct Deposit selection creates a special file called an “ACH” (Automated Clearing House) file.
• Offers PC-based, payment gateway and OS independent solutions.

URL: https://www.verifone.com

Monetra – Payment Processing Software

This web-based software enables you to, among other things, eliminate the merchant’s risk for credit card data theft. Through a wide variety of electronic processing services, it also allows you the rapid transfer of payments from buying consumers to the merchant.

Main Features

• Compatibility across all operating systems
• PA-DSS validation
• Support for verified by Visa and Mastercard
• Versatile communication support
• Remote IP/SSL connectivity
• Scalable system design
• Address verification system

Review Notes

• Supports SSL client-certificate verification.
• The software is Visa PABP compliant.
• Complete payment solution for convenient store retails.
• Can be upgraded at any time to satisfy additional requirements.
• Runs on all operating systems.
• Allows merchants the choice to connect directly to any major processor.
• Enables merchants and software developers to create secure credit card processing systems.
• A translator between merchant and processor systems.

URL: https://www.monetra.com/

Authorize – Payment Gateway

This payment gateway enables merchants like you to accept credit card and electronic check payments via Web sites. It also allows you to specify a threshold for the number of transactions allowed per day.

In a nutshell, Authorize.net offers solutions designed to help you grow your online business. It also offers a virtual terminal for offline card processing.

Main Features

• Free unlimited Program Support
• Generates Direct Deposit File
• Imports Employee Information
• Automatic Tax Computations
• Timesheet Payroll and job costing
• Free trial

Review Notes

• Merchants can submit transactions to the payment gateway.
• You can create and submit merchant-defined fields.
• Handles all the steps in the secure transaction process.
• Data are stored locally on secure merchant server.
• Supports any card swipe device.

URL: https://www.authorize.net/

Ichex

This web based automatic billing software enables you to set up companies and then take one time payments by credit card or check. The online identity verification software can authenticate a consumer’s identity in seconds.

Main Features

• Perform online identity verification
• Web based payment processing software
• Accept checks by phone
• E-mail payment receipts
• Processing for all major credit cards

Review Notes

• Allows you to track all online check transactions.
• Free virtual terminal reporting including custom processing solutions.
• You can use the payment software virtual terminal in the office or securely from any place.
• You can set up one or multiple users to do payment processing.

URL: http://www.ichex.com/

Summary

To help you choose the right payment processing software – which is the digital equivalent of a credit card processing terminal – it is very important that you do your research and team up with the best solution that aligns with your company’s current and future objectives. With so many providers to choose from, most decisions will most likely come down to price – however it’s best to look beyond this and consider areas like customer service/ support, third-party integrations and overall capabilities.