{"id":24657,"date":"2024-09-03T09:59:21","date_gmt":"2024-09-03T16:59:21","guid":{"rendered":"https:\/\/honeybook.site.strattic.io\/?p=24657"},"modified":"2024-09-03T09:59:26","modified_gmt":"2024-09-03T16:59:26","slug":"credit-card-processing-for-small-business","status":"publish","type":"post","link":"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/credit-card-processing-for-small-business","title":{"rendered":"The 5 best small business credit card processing options"},"content":{"rendered":"\n<p class=\"has-text-align-center\"><em>Explore the 5 best credit small business card processing platforms to see which one will benefit your business the best in terms of ease of use, fees, and more.\u00a0<\/em><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"793\" src=\"https:\/\/hbbadmin.reliablepenguin.com\/blog\/wp-content\/uploads\/2021\/05\/best-credit-card-processing-1024x793.jpg\" alt=\"Person using a credit card processing platform on their laptop\" class=\"wp-image-86113\" srcset=\"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2021\/05\/best-credit-card-processing-1024x793.jpg 1024w, https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2021\/05\/best-credit-card-processing-300x232.jpg 300w, https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2021\/05\/best-credit-card-processing-768x594.jpg 768w, https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2021\/05\/best-credit-card-processing-1536x1189.jpg 1536w, https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2021\/05\/best-credit-card-processing.jpg 2000w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>According to the Federal Reserve,&nbsp;<a href=\"https:\/\/www.bankrate.com\/finance\/credit-cards\/payment-method-statistics\/\">83% of U.S. adults<\/a> have at least one credit card. In partnership with Visa, HoneyBook also discovered that 80% of independent business clients prefer&nbsp;<a href=\"https:\/\/hbbadmin.reliablepenguin.com\/blog\/exceed-client-expectations\">paying with a credit card<\/a>.&nbsp;<\/p>\n\n\n\n<p>If those two facts don\u2019t already make it pretty obvious, credit cards are necessary for business these days. Even if you\u2019re a service provider, client expectations are so shaped by the convenience of Amazon and other online stores. Clients expect a quick,&nbsp;<a href=\"https:\/\/hbbadmin.reliablepenguin.com\/blog\/secure-online-payments\">secure payment process<\/a> that makes them confident they\u2019ll get what they paid for.&nbsp;<\/p>\n\n\n\n<p>To get started, it\u2019s important to know how small business credit card processing works and what to look for to find the <a class=\"wpil_keyword_link\" href=\"https:\/\/hbbadmin.reliablepenguin.com\/blog\/credit-card-processing-for-small-business\" target=\"_blank\" rel=\"noopener\" title=\"best credit card processing\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"4248\">best credit card processing<\/a> solution for your business. Below, explore the top five options for independent businesses:\u00a0<\/p>\n\n\n\n<p><strong>Jump to:\u00a0<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"#benefits\">The benefits of credit card processing<\/a><\/li>\n\n\n\n<li><a href=\"#processor\">What to look for in your credit card processor<\/a><\/li>\n\n\n\n<li><a href=\"#square\">Square<\/a><\/li>\n\n\n\n<li><a href=\"#honeybook\">HoneyBook<\/a><\/li>\n\n\n\n<li><a href=\"#paypal\">PayPal<\/a><\/li>\n\n\n\n<li><a href=\"#stripe\">Stripe<\/a><\/li>\n\n\n\n<li><a href=\"#dharma\">Dharma<\/a><\/li>\n\n\n\n<li><a href=\"#business-platform\">Using a business platform with integrated payment processing<\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"benefits\">The benefits of credit card processing<\/h2>\n\n\n\n<p>By accepting credit cards, you can offer multiple payment methods to your clients. We\u2019ve already mentioned how prevalent credit cards are for consumers, but that doesn\u2019t mean you need to limit your business. You can also accept ACH transfers and debit cards as other forms of online payments.&nbsp;<\/p>\n\n\n\n<p>With credit cards specifically, you can accept payment faster from your clients. Credit card payments typically take 2-3 days to deposit into your bank account (depending on the processor), while ACH transfers can take 7-8 business days.&nbsp;<\/p>\n\n\n\n<p>Especially if you have a high sales volume, credit card payments can help you maintain a more consistent cash flow. You\u2019ll have more money coming in a timely manner, versus waiting for ACH transfer payments, cash, and check.&nbsp;<\/p>\n\n\n\n<p>Without a credit card processor, you\u2019re responsible for setting up a merchant account and payment gateway. This type of setup is complicated and isn\u2019t typical for a small business to handle on its own, which is why third-party payment processors are the better option.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-columns cta-related-posts is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center left-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"related-post-heading\">Related Post<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><a href=\"https:\/\/hbbadmin.reliablepenguin.com\/blog\/online-payment-portal\" target=\"_blank\" rel=\"noreferrer noopener\">How to use an online payment portal<\/a><\/h4>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<figure class=\"wp-block-image aligncenter size-large\"><a href=\"https:\/\/hbbadmin.reliablepenguin.com\/blog\/online-payment-portal\"><img decoding=\"async\" width=\"1024\" height=\"793\" src=\"https:\/\/hbbadmin.reliablepenguin.com\/blog\/wp-content\/uploads\/2023\/05\/online-payment-portal-1024x793.jpg\" alt=\"Man using an online payment portal to pay with credit card\" class=\"wp-image-86333\" srcset=\"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2023\/05\/online-payment-portal-1024x793.jpg 1024w, https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2023\/05\/online-payment-portal-300x232.jpg 300w, https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2023\/05\/online-payment-portal-768x594.jpg 768w, https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2023\/05\/online-payment-portal-1536x1189.jpg 1536w, https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2023\/05\/online-payment-portal.jpg 2000w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"processor\">What to look for in your credit card processor<\/h2>\n\n\n\n<p>You really have a lot of options when it comes to software tools \u2014 maybe too many, in fact \u2014 but there are a few that have really risen to the top, proving themselves better than most of their competition.<\/p>\n\n\n\n<p>Not all&nbsp;<a href=\"https:\/\/hbbadmin.reliablepenguin.com\/blog\/best-payment-processor-for-small-business\">payment processors<\/a> are alike, and there are a few key features that you should look out for:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Integrations<\/strong> \u2013\u00a0<a href=\"https:\/\/hbbadmin.reliablepenguin.com\/blog\/payment-processing\">Payment processing<\/a> is just one step of your booking process and overall clientflow. The most valuable credit card processors should also offer\u00a0<a href=\"https:\/\/hbbadmin.reliablepenguin.com\/blog\/invoicing\">invoicing<\/a> and can connect with other actions, like scheduling<\/li>\n\n\n\n<li><strong>Customer service<\/strong> \u2013 Unfortunately, accepting credit cards means your business will be more susceptible to payment disputes and fraud. Keep an eye out for credit card processors with great customer service, so they can advocate for you when there\u2019s a payment chargeback or dispute<\/li>\n\n\n\n<li><strong>Payment processing fees<\/strong> \u2013 All payment processors have\u00a0<a href=\"https:\/\/hbbadmin.reliablepenguin.com\/blog\/transaction-fee\">transaction fees,<\/a> but they can vary in terms of the base fee, the fee based on sales volume, interchange fees, and more<\/li>\n\n\n\n<li><strong>Available pricing structures<\/strong> &#8211; You may have one-time, membership, or other pricing structures in your business. The credit card processing solution you use must make it possible to charge clients the way you need to\u00a0<\/li>\n<\/ul>\n\n\n\n<p>We\u2019ve put together five of the best credit card processing solutions so you can compare and select the best option for your business. Keep in mind that the five options below are oriented towards a purely online business, but some of them do have applications for brick-and-mortar stores as well.<\/p>\n\n\n\n<div class=\"wp-block-columns cta-related-posts is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center left-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"related-post-heading\">Related Post<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><a href=\"https:\/\/hbbadmin.reliablepenguin.com\/blog\/credit-card-processing-fees\" target=\"_blank\" rel=\"noreferrer noopener\">What to expect from credit card processing fees<\/a><\/h4>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<figure class=\"wp-block-image aligncenter size-large\"><a href=\"https:\/\/hbbadmin.reliablepenguin.com\/blog\/credit-card-processing-fees\"><img decoding=\"async\" width=\"1024\" height=\"793\" src=\"https:\/\/hbbadmin.reliablepenguin.com\/blog\/wp-content\/uploads\/2023\/05\/Credit-card-processing-fees-1024x793.jpg\" alt=\"Paying with a credit card\" class=\"wp-image-85856\" srcset=\"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2023\/05\/Credit-card-processing-fees-1024x793.jpg 1024w, https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2023\/05\/Credit-card-processing-fees-300x232.jpg 300w, https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2023\/05\/Credit-card-processing-fees-768x594.jpg 768w, https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2023\/05\/Credit-card-processing-fees-1536x1189.jpg 1536w, https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2023\/05\/Credit-card-processing-fees.jpg 2000w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"square\">1. Square<\/h2>\n\n\n\n<p>Square is an ideal small business credit card processing solution for businesses that need to swipe cards in person. The company\u2019s mix of hardware and software makes it simple on almost any mobile device. The company charges reasonable processing fees, and you can take advantage of add-on services for things like marketing, payroll, and team management.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Invoicing<\/h3>\n\n\n\n<p>Square offers simplified invoicing using their mobile app or their online platform.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Payment types<\/h3>\n\n\n\n<p>You can accept Visa, MastercardVisa, Mastercard, American Express, JCB, and UnionPay with Square.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Transaction fees<\/h3>\n\n\n\n<p>Transaction fees cost between 2.6% of the transaction plus $0.10 and 3.3% of the transaction plus $0.30, depending on the type of payment used and whether or not the card is present at the time of the transaction&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Other features<\/h3>\n\n\n\n<p>You can access add-ons to help you with marketing, employee payroll, and more.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pros<strong>\u00a0<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>It\u2019s free to get started, simply pay transaction fees as you make sales\u00a0<\/li>\n\n\n\n<li>A wide range of hardware to meet various business needs\u00a0<\/li>\n\n\n\n<li>Fair pricing with no monthly fees for basic services\u00a0<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Cons<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Lower fees may be available elsewhere if you process a high volume of transactions\u00a0<\/li>\n\n\n\n<li>There is no over-the-phone support\u00a0<\/li>\n\n\n\n<li>There are some complaints online about account freezes that are likely due to irregular activity\u00a0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"honeybook\">2. HoneyBook<\/h2>\n\n\n\n<p>HoneyBook isn\u2019t just a small business payment processing solution; it\u2019s a complete clientflow platform. The platform automates many of the mundane tasks associated with booking, onboarding, and charging customers, and it offers detailed reporting that could help you further optimize your workflow.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Invoicing<\/h3>\n\n\n\n<p>Easily create, send, and manage professional invoices on the platform.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Payment types<\/h3>\n\n\n\n<p>You can accept checks, ACH, and credit card payments with HoneyBook.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Transaction fees<\/h3>\n\n\n\n<p>You&#8217;ll pay 2.5% plus $0.25 per transaction to process credit card payments and 1.5% of the transaction to process ACH payments. Membership fees are between $16 and $79 per month, depending on the package you choose and whether you pay monthly or bi-annually.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Other features<\/h3>\n\n\n\n<p>Other core features include scheduling and booking that can be automated, the ability to build and digitally sign agreements, detailed reporting, automatic reminders, and more. &nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pros<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>HoneyBook offers much more than simple payment processing; it\u2019s an all-in-one clientflow platform\u00a0<\/li>\n\n\n\n<li>The platform makes it simple to automate mundane tasks so you can focus your time elsewhere\u00a0<\/li>\n\n\n\n<li>They offer reasonable pricing\u00a0<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Cons<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The HoneyBook mobile app may not be as intuitive as the desktop app\u00a0<\/li>\n\n\n\n<li>There is a short learning curve to the platform since it offers a wide range of services outside of payment processing\u00a0<\/li>\n\n\n\n<li>HoneyBook may not be fitting for enterprise-level customers\u00a0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"paypal\">3. PayPal<\/h2>\n\n\n\n<p>offering online payment processing services for over two and a half decades. The platform makes it easy to send professional, customized invoices, take advantage of recurring transactions, and more. And since it\u2019s a household name, it\u2019s typically trusted as a secure payment option among consumers.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Invoicing<\/h3>\n\n\n\n<p>It is easy to create and send invoices. Users can also pay those invoices digitally as soon as they receive them.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Payment types<\/h3>\n\n\n\n<p>Accept all major credit cards, ACH payments, and payments from digital wallets.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Transaction fees\u00a0<\/h3>\n\n\n\n<p>Transaction fees range from 2.29% plus $0.09 to 3.49% plus a predetermined fixed fee, depending on the type of payment used and whether or not that payment method is present at the time of the transaction.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Other features<\/h3>\n\n\n\n<p>Other core features include the availability of a chip reader and detailed reporting that can help you optimize your business processes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pros<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>It\u2019s free to open a basic account\u2014just pay your transaction fees\u00a0<\/li>\n\n\n\n<li>Easily send invoices that give your clients the ability to pay on the spot digitally\u00a0<\/li>\n\n\n\n<li>They offer fair pricing\u00a0<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Cons<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Offers hardware for in-person transactions, but that hardware isn\u2019t as sleek as that offered by Square<\/li>\n\n\n\n<li>PayPal\u2019s features are mainly geared toward online businesses\u00a0<\/li>\n\n\n\n<li>PayPal is known to be relatively aggressive with account freezes. If your account is frozen, it can take some time to thaw it out and access any money you have in it\u00a0<\/li>\n\n\n\n<li>PayPal isn\u2019t a strong option for businesses that process a high number of transactions or high dollar amount transactions, as those businesses will likely find lower cost options elsewhere<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"stripe\">4. Stripe<\/h2>\n\n\n\n<p>Stripe is most well-known as a payment processing solution for online transactions. The company charges reasonable processing fees and offers strong customer support. On the other hand, this isn\u2019t a strong option for business owners who aren\u2019t technology-savvy. <\/p>\n\n\n\n<p>Unless you\u2019re adding Stripe payments to an online marketplace that already has it available, you may need to do a bit of programming to get it to work the way you want it. Nonetheless, it\u2019s a strong option for tech-savvy business owners or those with employees who have strong tech skills.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Invoicing<\/h3>\n\n\n\n<p>Stripe makes it easy to build and send invoices to your clients.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Payment types\u00a0<\/h3>\n\n\n\n<p>You can accept credit card, ACH, and digital wallet payments.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Transaction fees\u00a0<\/h3>\n\n\n\n<p>Stipe charges 2.9% of the transaction plus $0.30 for user-entered credit card transactions and 3.4% plus $0.40 for card-on-file transactions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Other features\u00a0<\/h3>\n\n\n\n<p>It&#8217;s easy to integrate with many e-commerce platforms like WordPress, Shopify, and SquareSpace. However, it may take some programming if you operate a custom website.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pros<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Easy to integrate into some e-commerce-centric platforms\u00a0<\/li>\n\n\n\n<li>Reasonable fees\u00a0<\/li>\n\n\n\n<li>Quality customer support\u00a0<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Cons<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Some programming may be required depending on your intended use\u00a0<\/li>\n\n\n\n<li>While fees are reasonable, there may be lower-cost options depending on the volume of your sales\u00a0<\/li>\n\n\n\n<li>There may be a significant learning curve for some users\u00a0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"dharma\">5. Dharma<\/h2>\n\n\n\n<p>Dharma is a small business credit card processing solution that is particularly fitting for non-profit corporations that need to take part in credit card acceptance. While it\u2019s available to for-profit corporations, the platform charges lower fees for non-profit companies.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Invoicing<\/h3>\n\n\n\n<p>Easily send electronic invoices to clients.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Payment types<\/h3>\n\n\n\n<p>Accept Visa, Mastercard, American Express, and Discover payments&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Transaction fees<\/h3>\n\n\n\n<p>Non-profit transaction fees typically range from 1% to 2.5% of the transaction, which can be significantly lower than other options. For-profit transaction fees are listed as being higher, but not offered on the company&#8217;s website.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Other features<\/h3>\n\n\n\n<p>The platform offers a customer database that can safely store credit card information&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pros<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Non-profit organizations can realize significant savings on transaction costs\u00a0<\/li>\n\n\n\n<li>It&#8217;s possible to pass processing fees on to your clients\u00a0<\/li>\n\n\n\n<li>It&#8217;s easy to integrate into most businesses\u00a0<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Cons<\/h3>\n\n\n\n<p>Doesn\u2019t offer many of the business tools you\u2019ll find with other providers on this list\u00a0<\/p>\n\n\n\n<p>Fees can be relatively high for for-profit companies\u00a0<\/p>\n\n\n\n<p>Dharma\u2019s integrations are limited\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"business-platform\">Using a business platform with integrated payment processing\u00a0<\/h2>\n\n\n\n<p>of which are excellent tools, how do you pick which one is for you? Which company offers the&nbsp;<em>best<\/em> credit card processing services for you?<\/p>\n\n\n\n<p>Well, the answer really is:&nbsp;<em>it depends<\/em>.<\/p>\n\n\n\n<p>There\u2019s an almost infinite number of criteria we could use to measure exactly which piece of software was the&nbsp;<em>absolute best&nbsp;<\/em>credit card processing tool.<\/p>\n\n\n\n<p>However, if you manage a business, you likely handle much more than payment processing. We recommend looking for a platform that enables you to combine payments with other steps in your process, like capturing leads, vetting inquiries, and managing projects.\u00a0<\/p>\n\n\n\n<p>Overall, HoneyBook is the only all-in-one business platform that offers credit card processing and more, specifically for independents. If you do focus more on e-commerce, brick-and-mortar sales, or nonprofit work, the other options we mentioned may be a better fit.\u00a0<\/p>\n\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"88462\" class=\"elementor elementor-88462\" data-elementor-post-type=\"elementor_library\">\n\t\t\t<div class=\"elementor-element elementor-element-99ad397 e-con-full cta_click e-flex e-con e-parent\" data-id=\"99ad397\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-ec10187 e-con-full e-flex e-con e-child\" data-id=\"ec10187\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c538a76 elementor-widget elementor-widget-image\" data-id=\"c538a76\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"404\" height=\"740\" src=\"https:\/\/hbb.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2023\/07\/cta-payments-banner-merino.png\" class=\"attachment-medium_large size-medium_large wp-image-88479\" alt=\"\" srcset=\"https:\/\/hbb.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2023\/07\/cta-payments-banner-merino.png 404w, https:\/\/hbb.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2023\/07\/cta-payments-banner-merino-164x300.png 164w\" sizes=\"(max-width: 404px) 100vw, 404px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0d64de4 e-con-full e-flex e-con e-child\" data-id=\"0d64de4\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8a918e8 elementor-widget elementor-widget-heading\" data-id=\"8a918e8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Get paid faster<\/span>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a9b97b elementor-widget elementor-widget-text-editor\" data-id=\"0a9b97b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Use HoneyBook to simplify your payment process\u2014no more chasing payments.\u00a0<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7cb141f elementor-widget elementor-widget-button\" data-id=\"7cb141f\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/hbbadmin.reliablepenguin.com\/signup%20\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get started<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n","protected":false},"excerpt":{"rendered":"<p>Explore the 5 best credit small business card processing platforms to see which one will benefit your business the best in terms of ease of use, fees, and more.\u00a0 According to the Federal Reserve,&nbsp;83% of U.S. adults have at least one credit card. In partnership with Visa, HoneyBook also discovered that 80% of independent business [&hellip;]<\/p>\n","protected":false},"author":576,"featured_media":86113,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[26],"tags":[417,195,407,477],"class_list":["post-24657","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance-tips","tag-billing","tag-finances","tag-invoice","tag-payments"],"acf":[],"featured_image_urls_v2":{"full":["https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2021\/05\/best-credit-card-processing.jpg",2000,1548,false],"thumbnail":["https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2021\/05\/best-credit-card-processing-150x150.jpg",150,150,true],"medium":["https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2021\/05\/best-credit-card-processing-300x232.jpg",300,232,true],"medium_large":["https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2021\/05\/best-credit-card-processing-768x594.jpg",768,594,true],"large":["https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2021\/05\/best-credit-card-processing-1024x793.jpg",1024,793,true],"1536x1536":["https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2021\/05\/best-credit-card-processing-1536x1189.jpg",1536,1189,true],"2048x2048":["https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/wp-content\/uploads\/2021\/05\/best-credit-card-processing.jpg",2000,1548,false]},"post_excerpt_stackable_v2":"<p>Explore the 5 best credit small business card processing platforms to see which one will benefit your business the best in terms of ease of use, fees, and more.\u00a0 According to the Federal Reserve,&nbsp;83% of U.S. adults have at least one credit card. In partnership with Visa, HoneyBook also discovered that 80% of independent business clients prefer&nbsp;paying with a credit card.&nbsp; If those two facts don\u2019t already make it pretty obvious, credit cards are necessary for business these days. Even if you\u2019re a service provider, client expectations are so shaped by the convenience of Amazon and other online stores. Clients&hellip;<\/p>\n","category_list_v2":"<a href=\"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/category\/finance-tips\" rel=\"category tag\">Finance tips<\/a>","author_info_v2":{"name":"Joel DeVos","url":"https:\/\/hbbadmin.dev.reliablepenguin.com\/blog\/author\/joel-devos"},"comments_num_v2":"0 comments","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The 5 Best Small Business Credit Card Processing Options<\/title>\n<meta name=\"description\" content=\"Explore the 5 best small business credit card processing platforms to see which one will benefit you most in terms of ease of use, fees, and more.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/hbbadmin.reliablepenguin.com\/blog\/credit-card-processing-for-small-business\" \/>\n<meta property=\"og:locale\" content=\"en_US\" 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