What credit or debit service do you use merchant

[matthewb0051]

I'm hoping within this group someone uses a credit or debit card service as a merchant AND actually likes it.

I operate a solo legal practice and just need to be able to collect fees from credit or debit.

I'm currently using PayPal Zettle but it has been a nightmare. They fail to understand that I do not sell products. They've literally asked me for invoices from my suppliers. And the offshore call centers are a trainwreck.

My buddy uses Square but the rates are over 3% and it is also part of the Twitter empire.

Thanks

[Eric Hahl]

Our company uses Paytrace. That's about all I can tell you though as I don't use it myself. They seem to like it.

[rwest]

I send invoices through Quickbooks, which is my accounting software it takes credit cards and bank transfers. Not sure what the charge is, but to me it is worth it as I don’t have to deal with cards and security directly and it goes into the “books” automatically.

[rusnak]

I think you'll get the best service by going through your own bank, such as Union Bank or a large state chartered bank.

Arco uses Heartless Bank...I mean, Heartland Bank.

I use Celero for the pumpkin patch. Quite happy with them.

[Zeke]

I looked up banks and payments. Seems they use 3rd party gateways.

But the overall rate is what counts. IDT I'd want to deal with PP.

[wswartzwel]

Been using World Pay through my local bank. They just switched to SaferPayments. I use a Swipe Simple bluetooth reader through my phone. quick processing fair rates, PCI complience is easy.

[KevinTodd]

After more than 30 years utilizing third-party merchant account services to support our (primarily NCR) point-of-sale systems, we went to Toast for both. The hardware is user friendly, the staff have handhelds, and the card processing is a lower flat rate. We've cut our charge-back percentage down substantially as well.