Credit Card Processing Companies

Top Credit Card Processor Services for 2025:

What’s The Difference?

Selecting a credit card processing company can be a confusing and arduous process. When you compare credit card processing companies, they tend to look very generic on the surface but there are actually major differences that can set some companies significantly apart from others. Below are listed some important considerations that you should give thought to before moving forward:

Length of Time In Business:

Total Merchant Services has been in business for 14 years, many other credit card processing companies are small start ups that do not have the industry experience to match TMS’s ability to provide you with the solutions and support you need.

Reputation:

Total Merchant Services has been a member of the Better Business Bureau since 1999 and holds an A+ rating, the highest rating awarded by the BBB. Many credit card processing companies avoid the BBB because they fear the type of rating they might garner.

Infrastructure and Back End Support:

Credit card processing is an intricate and important part of your business. If something happens to your credit card processing services you lose the ability to conduct a major part of your business. TMS understands the importance of this and accordingly has invested heavily in our merchant support team by having over 100 trained specialists to assist in any issue that could arise. Few other merchant credit card processing companies have committed the level of staff, equipment and training to merchant support as TMS has.

Costs:

While it is unwise to make your decision totally on cost, it is reassuring to know that TMS has some of the lowest rates and fees in the industry. Combined with our free terminal placement program which guarantees you will never spend a nickel on equipment, ever, the overall cost of an account with TMS is hard to beat when compared to other credit card payment processing companies.

Warranty:

Many other credit card processing companies will sell, lease or rent you a terminal, a few may even give you one for free, but what happens if the terminal malfunctions? With many of our competitions you will be stuck paying for repairs or replacements as well as being without your terminal for an extended period of time. Not so with TMS. In the unlikely event one of our provided terminals fails we will overnight you a replacement immediately and issue a call tag for the defective terminal. Our objective is to move heaven and earth to keep you up and running because we know how important it is for you to process credit cards from your customers.

Risk:

What if you hookup with a credit card processing company and they turn out to be not up to the standards you expect in the way of service, timely response to your issues, timely funding, and negatives like hidden costs they failed to warn you about up front? With most other credit card processing companies you are stuck, and getting out of their contract will be a pricey and undesirable option. This is not the case with TMS. TMS offers you a 45 day trial period up front. You can enroll, receive your terminal, and process credit cards, then, if you are not satisfied with anything you may close your account and we will pick up your terminal. You only pay for the monthly and per items fees you incurred.

Industry Compliance:

All equipment that is furnished to your under our Free Terminal Placement Program is fully compliant with all industry and card association standards including the most recent PCI/DSS standards. Further, should your terminal ever go out of compliance while you are a merchant, TMS will upgrade your terminal free of charge for you. If you are comparing credit card processing companies make sure you understand not only what you will pay up front for your equipment, but what will happen in the event the terminal goes down or becomes non-compliant. AT TMS, no matter what, we’ve got you covered!

Solutions and Services:

Some credit card processing companies want to “pigeon hole” all merchants into the same solution which just happens to be the one that’s most convenient or profitable for them. By contrast, Total Merchants Services offers six different basic processing solutions including retail, wireless, virtual terminal, smart phone and dial-up solutions. TMS also offers great “verticals” including a gift and reward card program, an electronic check guarantee and conversion program and an upfront cash program for qualified merchants. In addition, our Total Merchandiser web site builder and hosting program is an easy cost effective way of getting you a web presence quickly and inexpensively.

Hopefully this short presentation will equip you with the knowledge you need to make a good decision on your credit card processing company, but if you have any additional questions feel free to give us a call.

So what are you waiting for? Free equipment, no application fees or other enrollment costs of any type, free customer support and terminal maintenance, great rates and fees and world class customer service to boot. Simply stated we want your business and are willing to go the extra mile to earn it! Take advantage of this great offer right now by clicking on the application link below. The process only takes about 15 minutes!