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Payment Gateways for High-Risk Business

Best Credit Card Processing Companies of 2023

Credit card processing is the backbone of any business because it is the prime medium for a business to get paid for the products and services sold to the customers. Today, credit cards have become an excellent payment method, but every merchant remains in a desperate search for the best credit card processor. However the market is full of options, but the task is to find the one most suitable for your business. Isn’t it? Below is the list of the best credit card processing companies of 2023. Next year, you may see a new list because every year comes with new challenges and opportunities for businesses; accordingly, new processing companies may appear.

National processing

If you are looking forward to shortlisting the most trusted processing companies, then National Processing must maintain its place on the list. The processing company is versatile and best known for all types of small, medium, or large businesses. It manages all significant credit card transactions, online transactions, and electronic checks.

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The company has been operating since 2007, and today it is among the most internationally renowned online credit card processing companies. The good thing about the processor is its confidence because it commits you to giving 100% satisfaction. If you visit the company's review section, it is easy to authenticate this commitment because most merchants leave positive feedback.

National Processing is specifically considered an excellent option for businesses that are planning expansion. It has advanced FinTech tools that help merchants operate their businesses in a predictable atmosphere with uncompromised security. However, the factors like early termination fees and the absence of equipment prices on the website may make you put more queries in front of the processor.

  • National processing is transparent about its prices. Transparency is a significant quality of a credit card processing company because, usually, the clashes between a processor happen due to hidden charges or fees.
  • It offers lower fees in the market. Some even say that National Processing has the lowest cost, which is a great chance for many businesses to exploit payment solutions at a lower price.
  • Round-the-clock customer care support is available because, at the time of any technical issue, a business cannot afford any delay. Just imagine a casino or an OTT platform fails to get payment from customers. You can imagine the loss of money and goodwill.
  • It provides approval in 24 hours, which is just like good news because businesses are always restless when waiting for approval. Companies can plan to expand faster to new global locations through this feature offered by the processor.


Square is another well-known credit card processor due to its smart processing tools. Its credit card reader is world-famous and allows merchants to operate businesses in any part of the world. The website of the processor indicates that you can explore and exploit immense possibilities with the help of its card reader. Customers like to see handy technologies in a fast and busy lifestyle when they pay at a store.

The smart look and efficient performance of the processing tools of Square keeps them amazed, and the credit card swapping gets done in a second. The card readers of the credit card processing company are also working to accept and enhance the touch card technology. As the payment industry is enhancing with the new technology, the processor also keeps updating its solutions.

  • Merchants can accept credit cards anywhere in the world. The card reader coordinates well with the Point of Sale app. of the company, which facilitates accepting payments on tablets or smartphones.
  • Clear pricing and faster transfers make card swiping an easy and speedy experience both for the merchant as well as the customer. The charges are Pay 2.6% + 10¢ per swipe for Mastercard, American Express, Visa, and Discover. You can get the money on the next business day. Many merchants have mentioned that credit card processor helps them maintain a good cash flow through speedy settlement.
  • The card reader works effectively with Android as well as iOS. You can accept payments either at your store or anywhere while moving from one place to the other with the help of the card reader.


If we are talking about the best credit card processing companies, we should talk about only the best ones, and Paycly is always among them. Every merchant wants to remain assured about safe credit card processing for its customers because, for millions of customers good payment experience is most important. PayCly.com can be the most suitable pick for your business; the credit card processor specializes in high-risk credit card processing.

The processing company is versatile, as it also provides international payment gateway services, merchant accounts, and high-risk payment gateway solutions. End your search here to be surer about your business credit card processing. With a global presence, PayCly has developed a vast network with merchant accounts providing acquiring banks all across the world.

  • The company has a fixed price for every transaction, irrespective of the credit card type.
  • It has the most robust safety tools and fraud prevention system.
  • The processor serves merchants from many industries, including Forex, IPTV, adult toys and entertainment, gambling, iGaming, fantasy games, eCommerce, etc.
  • The processor also has a chargeback prevention strategy, 24x7 customer support, innovative technology, user-friendly dashboard.
  • The processing company also serves merchants with low credit scores and shorter processing histories. It should not be an exaggeration to mention that PayCly.com is the savior and best credit card processing provider for many merchants.


It is considered a fantastic option for small businesses because the processor has flexible policies and affordable pricing. With unprecedented speed, the processing company is turning into a FinTech company and breaking its records of success. It has no monthly costs, low-cost interchange rates, and immediate troubleshooting support from the professionally skilled team.

Helcim is a merchant account provider that simplifies account approval for small businesses. It does credit card processing for retail businesses that have monthly sales of $25,000. The processing company automatically lowers the transaction fees if the monthly processing volume of a merchant increases. However, you should also know that the company works only for established businesses, which may weaken the hopes of start-ups.

The highlights below will prove how Helcim acts as a support for small businesses.

  • Transparent fee and no hidden costs. The majority of the merchants are afraid of the hidden fee because they always appear later as a shocking surprise, but this is not a worry with Helcim.
  • Get a virtual terminal because that is among the prime requirements of businesses. The whole world has its virtual version of the internet and businesses cannot afford not to have it.
  • Subscription management is among the most critical concerns of subscription-based businesses. With Helcim, you are never under any stress on this part.
  • Get discounts based on quantity. This feature is the most attractive one offered by the credit card processor. It is like a smooth opportunity that comes effortlessly if your monthly volume increases.


Clover does not need any introduction because it is already famous among merchants of all industries. For faster, smarter, and easier business, merchants depend on Clover. The processing company offers multiple features in its services that include tighter tracking, which makes your sales safer. It helps companies track consumer behavior, treat them better, and earn more profit.

Clover makes payments more straightforward and predictable, whether online payments, in-person swipes, or chip and tap. Sell products and services from anywhere with the help of the mobile app, dashboard, and virtual terminal.

  • Get timely analytical reports to make timely decisions and make better strategies for the future. Analysis always proves accurate because the processor has updated tools with the latest software.
  • Get tailor-made payment solutions that suit your business requirements. The processing company can quickly get compatible with your ecosystem. It simplifies daily business operations with uncompromised security.
  • Take online orders, sell online things, and manage point-of-sale transactions. Take payments in any desired manner that is practically required for your business. Multiple payment methods are also available. Mobile payments, crypto payments, and bank transfer get support for any payment platform.
  • Online invoicing provided by Clover is known for its speed, which helps merchants maintain a good relationship with suppliers and customers. When customers are happy and get the products timely, the merchant will be the first beneficiary of the earned profit.
  • Manage business in real time because online and real-time commercial activities are more popular today. Whether an eCommerce website, an OTT platform, or a Forex trading platform, the merchants and customers fulfill their purposes in real-time.


The above credit card processing companies are among the best in 2023, and there are strong chances that they will be on your list even in 2023. Keep your research rational, and you can choose the most productive processor next year. The above options should surely bring to an end your search for a credit card processing company. Every single processor deserves your attention and is tried and tested by the other merchants of your industry.