Best Credit Card Processing Companies – Portland, Oregon, 97292

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Best Credit Card Processing Companies – Portland, Oregon, 97292

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Best Credit Card Processors recommended for businesses in Portland, OR

We started by requesting business owners in Portland which have worked with or credit card processing companies they use, to locate the very best credit card processors for small business. We also inquired whether or not they would urge them to other businesses which were small, and exactly what the companies enjoyed and disliked about these vendors and why.

Next, we developed a comprehensive listing of credit card chips which areideal for small businesses. Along with these mentioned these chips we were comfortable with to and by small companies wespoke, we also looked at charge card processors that appeared on reliable onlinesources, for instance company web sites and evaluation websites.

Our research consisted of reviewing the website of every chip, viewing videos, studying how to guides, exploring aid resources, seeking demos out when reachable and registering for ourvery own accounts. We also acted as business owners and requested questions of sales and customer-support locate out guidance that’s maybe not readilyavailable on the web and representatives, to get a clearer notion of thestandard of support.

In total, we compiled a list of more than 10 credit card processors. Our top picks are Swipe,Chief Merchant Services, PayPal and Square.

Here are the criteria we used to assess each credit card processor:

  • Commerce/swipe rates
  • Supplies, setup and also other costs
  • Simple set up and use
  • Contracts and service provisions
  • Types of payments accepted
  • Backing and processing time
  • EMV capacity
  • Retailer services
  • Added features and advantages
  • Customization alternatives
  • Third party integrations
  • Reporting and analytics
  • Service limits
  • Customer service

This really is a complete record of credit card chips and an summary of what each company claims to offer. This alphabetical listing additionally comprises our best picks.

Total Merchant Services – Offers a totally free charge card machine with maybe not long term contracts. Credit card processing rates are fair which comes with adaptable pricing alternatives and 24-7/365 consumer support.

Amazon Local Register – Amazon’s mobile bank card processor offers one of thecheapest swipe rates and ensures no month-to-month fees, charge-back charges and no international fees. It might be obtained on Amazon’s own Fireplace OS, Android and iOS and workswith your Amazon Payments account. – is a payment gateway provider that enables you to take bank cardsthrough the system itself or incorporate payment with your existing merchant account. The support is filled with features, such as for instance recurringbilling, state-of-the-art fraud detection, e check processing and much more. Yet, with its $49 setup fee and monthly gateway fee, the pricing is fairly higher than third-party processors.

BankCard USA – offers all kinds of credit card processing choices for small businesses, including wireless swipers, cellular card processing, e commerce options and POS techniques. A merchant account is required by bank card USA, along with the company ensures same dayapplication conclusions.

Greatest Merchant Rates – If you need a completely customized charge-card processing alternative, Best Retailer Rates can create a program that’s tailored simply for the business. The service is sold with upfront rates that are guaranteed for five years, which means you will not have to worry about any increases or unpleasant surprises.

BluePay Processing – provides all in one credit card processing solutions for a broad range of retailer types.

Braintree – Wish to accept greater than one kind of payment that is online? Braintree, a PayPal company, lets you choose Bitcoin, Apple Pay, Venmo, PayPal and more using just one integration into your website or program. Now,Braintree offers free processing on your own first $50,000.

Breadcrumb Payments by Groupon –  A Groupon company, Breadcrumb enables you toaccept bankcards in the same low swipe from smartphones, tablet notebooks, notebooks and examine out terminals -rate acrossdevices. The support comes with one -tap Groupon coupon redemption and also a Totally Free Statement Assessment to showyou how much you actually can save compared to other processors. – merchant accounts enable you to process bank cards on- and off line, even when you have terrible credit or actually really are a high-risk merchant. The company provides low rates and comes with final or charge card reader, applications, electronic shopping cart, and complimentary set upwards.|Breadcrumb Repayments by Groupon — A Group On firm, Breadcrumb enables you to accept bankcards in the exact same low swipe from smartphones, tablet notebook computers, notebooks and check out terminals -rate across devices. The support comes with one -exploit Groupon coupon redemption along with a Free Statement Evaluation to show you how significantly you actually can save your self compared to other chips.

Chase Paymentech – supplies an extensive choice of merchandises to help small-businesses accept bank cards on-line, in-person and ontherun. The support also includes other security software as well as sophisticated fraud safety, info encryption to make sure your company and customersstay shielded from cyberattacks.

Factors to consider when choosing a Merchant Services Provider:

  • Does the credit card processing company have experience in your industry?
  • How much Monthly Credit Card Volume?  The amount of credit card processing volume can effect the information needed for merchant account approval. Providing past 3 months of merchant service statements, Profit & Loss Report, and/or last 6 Months of bank statements may be required
  • What is your Average Ticket? If you have a high average ticket, like a furniture store or plastic surgeon, you will want to make sure the company you signup with does not hold your funds.
  • Is your Business a High Risk? In the credit card processing industry, frequency of charge backs determine which classifies businesses considered to be high risk.


We believe in complete credit card processing satisfaction. If you are not happy with the merchant services company we have partnered you with, you can cancel with NO TERMINATION FEES.

Personal Service

We are a reputable credit card processing broker but not too big to provide personal service. With us, you can call us directly and speak to a human. Our mission is to provide exceptional customer service.


As a merchant services broker, we call the shots on your credit card processing rates and fees. This allows us to be flexible on pricing. We will NOT put you in a cookie cutter pricing model that charges you more on cards you accept the most.

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Free Apple Pay & EMV Credit Card Terminal

We have partnered with Total Merchant Services to provide Free IP/Dial or Wireless Credit Card Terminals. Because of their Free Equipment Placement Program, a free terminal is provided with an approval of a new merchant account.

  • Simple Online Application
  • 24/7 Toll Free Technical and Customer Support
  • Month-to-Month Agreement
  • Lower Credit Card Processing Rates
  • No Application or Setup Fees
  • FREE EMV Compliant & NFC Capable Credit Card Terminal
  • American Express Included (Optional)

Steps to Apply for Merchant Account

No leasing or Purchase Required. You may continue to process your credit cards with Total Merchant Services using the Free Credit Card Terminal at no charge. Should you cancel your services, simply place the credit card machine in a box and send it back to them. Keeping the credit card machine will result charges at full retail price.

Here are the Breakdown of Merchant Processing Fees:

  • Debit Check Cards (Signature Debit Cards): 1%
  • Qualified (Swiped Credit Cards): 1.69%
  • Mid Qualified (Keyed Cards, Mail Order/Telephone Order, Reward Cards) : 2.66%
  • Non Qualified (Business Cards, Corporate Cards, International Cards): 3.01%
  • Transaction Fee: $0.10 (above cost)
  • Monthly Service: $5.00
  • PCI Compliance: $4.95/Mo. (Approx. $60/yr)

In order to apply for a Free Apple Pay (NFC) & EMV (Chip Card) enabled Credit Card Terminal, applying for a merchant account with Total Merchant Services is required. You will receive an already programmed machine upon approval.
Follow the steps below to Apply:

  1. Apply Below
  2. Enter your Email Address
  3. Create and Confirm your Password
  4. Enter your Personal Information, Business Information, and Banking Information
  5. Finish

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