Anyone used one of the 3 best CC processors?

[Tonearm]

A review site I found says these three companies are the best credit card processors:

Cardservice International
Merchant Warehouse
Merchant Accounts Express

Has anyone ever used one of them? If so, how did you like them?

- Grant

[Essex_boy]

Cant say Ive ever heard of them.

[drhfinegifts]

Go with Merchant Express. I think it was only a $25 setup/application fee. Very cheap, very fast. They are a Authorize.net reseller.

[mike1256]

I used card service international for several years.

never a problem, online reports and CC breakdown, a little higher on the percentage rates, but its worth it for the security and reliabilty.

it was 24.95 per month, online application approved in 3 days, i think 2.85% and amex was 4%

[topguy29]

I se Cardservice myself and I am very happy with them. They are owned by First Data, the largest transaction processor in the United States. Very stable and I know my money is safe

[Corey Bryant]

Cardservice is an ISO for First Financial Bank and Wells Fargo. They have a pretty high approval rating and are compatible with LinkPoint, Verisign's Payflow, and Authorizenet.com. CSI has been in business as well since 1988 and they are a fairly large ISO.

Merchant Warehouse is an ISO of about four different banks it seems.

And Merchant Accounts Express for Wells Fargo and it seems maybe even Bank of America.

Merchant Accounts Express actually has prices lised on their site - which is interesting. Usually ISOs do not list prices since they rely on agents to sell their services.

The discount rate is normal, but usually you can start at about 2.19% usually and if you have higher volume - $100,000 or more the discount rate should be a lot less.

Other large ISOs are Chase / Paymentech and they actually partner with First Data to offer credit card services - Chase usually resales the YourPay gateway, which is now the LinkPoint gateway. Cardservice is actually owned now by First Data 100%.

Using LinkPoint, you will not be charged a transaction fee like the other gateways (in addition to the transaction fee that the MAP will charge). Payflow will give you 1,000 free transactions before charging you.

-Corey

[Protestant]

I supported a shopping cart application several years ago and from my experience, Card Services International seems to be the way to go.

[edited by: minnapple at 12:54 am (utc) on June 20, 2006]
[edit reason] no urls please [/edit]

[Peter Cornstalk]

I got lower rates direct from Wells Fargo lower than CSI could go. Which I don't undrstand because another Wells Fargo ISO quoted me a bit lower than Wells Fargo, but it wasn't worth the hassle of switching.

[Peter Cornstalk]

The CSI rep just called yesterday and said they have better interchange+ pricing. That puts them back in the game if I need to look around again... but they are bit late now.

[Nuttakorn]

For using those kind of service, the requirement is we must have merchant with bank, is that correct? Do they have anyway that we can use it without merchant account bank? If we are international company, do they have any chance?