Team Bio Series — Frank Kehl (The Mountain Climber)

This week on “Meet The Merchant Maverick Team” — the world’s least conflict-driven reality show — we’ll get to know Frank Kehl, one of our merchant accounts writers. Frank gets the award for “most amazing careers outside of Merchant Maverick,” but what else is interesting about him? (Hint: a lot.)

Name: Frank Kehl

Title: Merchant accounts writer

Hometown: Berwick, Pennsylvania

Current city: Paso Robles, California

Education and background: I have a Bachelor of Science in Psychology from Penn State and a Juris Doctorate degree from The Ventura College of Law. Prior to joining Merchant Maverick, I served as an officer in the United States Air Force and California Air National Guard for 28 years. I flew as a navigator on both the B-52 and C-130 aircraft, and ended up logging a little over 7500 hours of flying time around the world.

Merchant Maverick department/specialty: I write about merchant accounts, payment gateways, and, occasionally, mobile payment systems.

Proudest professional moment: Passing the Bar Exam here in California after graduating from law school. It was a three-day exam and only has about a 40% pass rate, so I felt really good about getting through it on the first try.

Favorite Merchant Maverick post/moment/opportunity: The 5 Best Small Business Credit Card Processing Companies. It was the first post I wrote when I first started at Merchant Maverick, but it’s generated a lot of interest and I still get comments on it almost every day.

What do you do when you’re not working?: When I was young and single, I had quite a passion for mountain climbing. I’ve climbed a lot of the classic peaks, including Mount Whitney and Mount Shasta here in California, as well as Mount Rainier, Pico de Orizaba in Mexico, and Kilimanjaro. These days, it’s mostly family hikes and the occasional camping trip here on the Central Coast or up in the Sierras.

What literary character do you identify most with and why?: My son has recently shown a strong interest in The Lord of the Rings movies, so I’m going to say Gandalf. I just need a staff…

Favorite song: I’m not sure that I have a single favorite, so I’ll give a shout-out to ‘Lawyers, Guns, and Money’ by Warren Zevon. It’s funny as hell, and the lyrics are rather timely. Check it out!

Favorite classic movie: I suppose I should pick something serious and inspirational. Nah. Monty Python and the Holy Grail still cracks me up.

What is your ideal dinner out?: Getting a sitter and having dinner with just my wife. It’s usually a ‘romantic dinner for three’ these days, unfortunately.

What skill have you always wanted to learn?: In retrospect, computer science might have been a good major to choose in college. I took a few programming classes in school, but I’ve never found the time to go back and brush up on my coding skills since then.

If you could travel back in time to any stage in your life and observe, where/when would you go?: Just observe? No do-over? Then probably the first few years of my life, since I don’t remember very much about them.

Mac or Windows?: I’ve been a Windows guy since back when they were called “IBM PC-compatible.” However, all my mobile devices are from Apple. It’s the best of both worlds, I think.

You’re given an unlimited budget at any retail establishment. Where do you go and what do you buy?: I’ve already lived out this fantasy, but without the unlimited budget. Let’s just say I’ve built up some pretty impressive dividends at REI over the years. You can never have too much gear.

I think it’s safe to say that Frank is the coolest member of the Merchant Maverick team. An ex-Air Force navigator who has climbed Kilimanjaro? Please. Come on Frank, you’re making the rest of us look lame.

Interested in reading about other members of the Merchant Maverick staff? Check out our team interview series.

The post Team Bio Series — Frank Kehl (The Mountain Climber) appeared first on Merchant Maverick.


Top 5 POS Tablet Systems For Restaurants

The restaurant industry is a hectic environment with a ton of moving parts. From taking orders to printing tickets to splitting checks, every function needs to work seamlessly if you’re to maximize your potential — and stay alive. Studies show that nearly 60% of restaurants close after three years, so choosing the right point of sale system can be a crucial component to the ultimate survival of your business.

Happily, if you’re opening up a restaurant right now, you’re in luck. POS systems have never been more helpful or powerful. Chances are, if you’ve done you’re research, you’re looking into at least a few systems that are iPad or tablet-based. A point of sale tablet can be a server or manager’s best friend. The mobility of these devices boosts the efficiency of your waitstaff and can improve interactions with customers; managers, in turn, can keep tabs on reports and sales on the go, from any device with a wireless connection.

Read on for an in-depth look at some of our favorite tablet POS systems.


Best For…

Small to mid-sized retail businesses and smaller restaurant establishments.


$69 per month per first three registers.

Feature Overview

There is little fault to find with ShopKeep’s (read our review) sleek and modern POS for tablet. This company has been on the cutting edge of POS technology for a few years now and continues to improve and expand its services. Though it was previously best suited for retail establishments and smaller food service establishments, ShopKeep now offers open check features and server-less syncing.

It also recently added the ability to create your own modifiers and is working on an update for table layouts.

ShopKeep has always prided itself on being user-friendly, and its restaurant software is exceptionally simple to master, particularly with features like the ability to keep multiple tabs open and split bills in a quick and intuitive manner. Tickets can also be sent immediately from the table to the kitchen, saving precious time in a fast-paced environment.

If ShopKeep is lacking at all on the front end, it more than makes up for it with in-depth reporting, analyzing your restaurant’s busiest times to help you coordinated staffing. Employees can be assigned specific permissions and all reports and sales data can be viewed in real time on any device with the app installed.


Like most of the best POS systems, ShopKeep continues to improve. In particular, ShopKeep is becoming a better and better option for restaurants. Already boasting an excellent interface and strong reporting and employee management, the modifier and check functions of this POS make it worth a look for any new business owner.

Read our complete review or check out ShopKeep’s website for yourself.

Lightspeed Restaurant

Best For…

Almost any size foodservice establishment. There is an enterprise package for larger industries, but Lightspeed is probably better suited for mid-sized restaurants.


Lightspeed offers three plans at $69 a month, $129 a month and $198 a month.

Feature Overview

Lightspeed Restaurant (read our review) offers some unique features that are difficult to find anywhere else. Coupled with a superior design, Lightspeed has very few weaknesses to speak of and may be worth the slightly higher price compared to other similar systems.

Lightspeed thrives in both employee and inventory management. There is a feature which allows managers to change the visibility of employees on the app — quite useful for a business with multiple part-time employees. Permissions are assigned and broken down easily. The Timed Events features, which lets you set up unique promotions and contests for employees, is something I haven’t seen in many other products. You can also select your language of choice to print tickets.

One nice visual element is the ability to upload appetizing pictures of your menu items that can be displayed to customers. Most features, such as table layout and modifiers, are also highly customizable.

On the back end, Lightspeed Restaurant has a wealth of reports to help you analyze your business quickly and intuitively. The raw ingredient tracking mechanism also updates in real time, allowing servers to see when a product is running low. Things like discounts and tax codes can all be added or updated in a matter of seconds and, as an added bonus, Lightspeed’s customer service comes without additional cost and has many positive reviews. Lightspeed Restaurant is still lacking slightly in integrations but, at this point, we’re really picking nits.


Lightspeed Restaurant is designed specifically for the foodservice industry, and it shows. The company does nearly everything right and is particularly strong in both customer and inventory management, all at a reasonably competitive pricing structure that can fit whatever sized business you’re running.

Read our full review here or check out Lightspeed Restaurant’s website.


Best For…

Anything from small food-service establishments (like cafes) to mid-sized, full-service restaurants.


Toast starts at $79 a month and is $50 a month for each additional register.

Feature Overview

Here at Merchant Maverick we’re suckers for products that give you as few headaches as possible. Under that umbrella, Toast (read our review) continues to be one of our favorite point of sale systems. Toast has a simple and affordable pricing structure, a feature-rich and simple-to-use platform, and fantastic customer service that is included in the original price. Even one of the few issues we have with Toast — its inability to work with other credit card processing companies — at least leaves you with one less decision to make when you’re starting your business or shopping for a new POS.

Toast is simple to use. You can be walked through its initial set-up so you’re an expert in a short amount of time. Normal restaurant functions like check splitting, voiding, and the ability to transfer tickets to different tables are intuitive and can be done with just a few taps. Toast has a solid menu creation feature and it’s simple to make quick pricing changes either manually or automatically for things like Happy Hour.

Toast’s reporting functioToast hardwarens are robust and, as you would expect, can be accessed from anywhere with a wireless connection on a tablet or mobile device. You can see things like ticket times and tip reports all in an easily digestible format. Many current systems are delving deep into customer management and Toast is no different. The POS can take and store customer information and track an individual’s order history while tabulating their loyalty rewards, helping you set up ways to entice them to come back. The inventory and employee management functions are also strong, helping a business owner cut down on inefficiency. For an additional cost, you can add on Toast’s loyalty program and its online ordering service, two impressive features.


Everything about Toast is easy, from its pricing to its layout to its quick set-up. If you’re looking for a POS tablet system that won’t give you headaches, it’s tough to see you going wrong here. A strong menu-creation function and simple table management, coupled with some of the best customer service in the industry, make Toast a top contender.

Check out our complete review of Toast or visit their website.


Best For…

Mid-sized to larger foodservice businesses, though it can be adapted to smaller restaurants as well.


Revel has a flexible pricing structure depending on what features you need. The cost of the software is built in to the monthly subscription.

Feature Overview

Revel (read our review) is another impressive system that packs a lot of features into intuitive yet unassuming software. Revel has the ability to handle larger scale restaurants better than some of the other systems mentioned in this post. It can take on multiple locations with ease and has an extremely robust offering of reports that can be managed remotely, along with a varied list of integrations and customizable software.

Revel has a simple interface, without a lot of distractions. It is created with the server in mind, making things like voids, order editing, and check splitting simple. For smaller establishments, Revel has a very nice kiosk function with a customer-facing display. The ability to take reservations and inform customers via a text message or email is also a nice feature.

Going along with current POS trends, Revel allows you to take orders tableside and, with its Kitchen Display System, servers can view the status of an order as it’s being made.

Revel, a Lightspeed POS alternativeThe backend takes a little more time to get the hang of. However, that’s mainly because there’s a lot to offer. Revel has a huge slate of reports that can be viewed and digested quickly. Its employee management feature is also superb, assigning individuals their own PIN number for log-in. Managers can then track performance by sales, productivity, or number of voids, and permissions can be assigned easily. There is a built-in loyalty system within Revel that stores basic customer information. One of the biggest draws for Revel is the sheer number of companies that it integrates with. If the POS doesn’t have a specific function you’re looking for, chances are you can download a program that can help. Revel’s open API also makes it possible to create your own customizable functions.


Revel is a powerhouse of a POS that can handle large-scale restaurant establishments. The system is loaded with reports and an extensive employee management system. Though it comes with a slightly higher learning curve than some systems, Revel’s wealth of integrations gives it a big edge in a very competitive market.

You can find our full review here or check out Revel’s website.


Best For…

Quick-service food establishments and small to mid-sized restaurants.


Clover’s pricing can range from $350 to $800 depending on the retailer and on whether you’re purchasing it alongside other Clover products.

Feature Overview

Clover (read our review) has emerged as a giant in the POS game and for good reason. Although certainly not without its flaws (mostly on the payment processing end of things), Clover is exceptionally easy to use, comes with access to the Clover app market, and can be up and running within minutes out of the box, making it a popular product for small and mid-sized restaurants.

Clover arrives virtually ready to go from the second you turn it on with a preloaded menu. It’s also extremely customizable and will intuitively download a few starter apps for you based on your preferences. Clover has been a popular choice for business owners new to the restaurant game both because of its simplicity and how easy it is to tailor the POS to your specific needs. The product is EMV compliant and accepts virtually any payment type.

On the backend, Clover isn’t quite as robust as some other systems, but small to mid-sized restaurant owners are likely to find just about anything they might need.

The customer management feature stores information, making it easy to peruse an individual’s purchase history. One of Clover’s huge pluses is how easy it is to manage your business, even across multiple locations, from just one device. The POS stores all of its reports and you can see profits and employee activity in real time. Clover’s biggest draw, however, is its impressive app store. If you do find that you’re missing some functionality on the back end, it’s likely that you can find a program in the always-expanding App Market to help you out.


Clover is a tough system to beat in when it comes to sheer convenience. With a very simple and intuitive interface that you can have up and running in minutes, it’s a strong option for new business owners. Simple and extensive customer management and access to Clover’s App Market are also extremely convenient features. Unfortunately, though the software itself is exceptional, you will have to put up with First Data’s less than stellar support on the payment processing end of things, and depending on what kind of reseller you use to buy your Clover device, customer service is hard to navigate. Approach Clover with caution.

You can read more about Clover in our full review or visit their site.

Final Thoughts

These are just a handful of the available point of sale systems for tablets, and each one has its unique strengths. While you certainly aren’t limited to a tablet-based POS, it’s easy to see why they have become so popular. Locally-installed systems have advantages when it comes to security, but it’s tough to compete with the convenience, ease of use and set-up, and sheer affordability a tablet provides. And that’s not even mentioning the powerful reporting and various back-end management tools that can all be accessed in a device smaller than most books on your shelf.

As always, do your research and make sure you don’t settle for a system that doesn’t completely suit your needs. For more information in general, check out our selection of full restaurant point of sale reviews, read about iPad POS vendors, or view our comparison chart of restaurant POS software.

The post Top 5 POS Tablet Systems For Restaurants appeared first on Merchant Maverick.


6 Platforms That Do Crowdfunding For Nonprofits

nonprofit crowdfunding

The crowdfunding industry continues to grow and expand as a means of soliciting donations, product sales, and investment, so it’s only natural that nonprofit organizations are looking to get into the crowdfunding game. In taking advantage of a crowdfunding platform’s fundraising and social media tools, nonprofits can bring their message to a much wider (not to mention younger) swath of the population than would otherwise be possible.

However, it’s not a simple matter of picking from a list of interchangeable platforms and getting started. Not all crowdfunding websites are created equal. Some crowdfunders are purely for creative/business projects and cannot be used for nonprofit fundraising, while other platforms specifically cater to the nonprofit market. Some platforms don’t let you collect the money you raise unless you hit your funding goal amount, while others let you keep whatever you raise regardless. Some platforms charge a percentage of what you raise as a fee (and some charge more if you fall short of your funding goal), while others charge a flat monthly fee to use their services. Some platforms facilitate the giving of rewards to your donors, while others do not.

Point being, your choice of a crowdfunding platform matters. We here at Merchant Maverick want to help you cut through the dizzying array of crowdfunding sites available by highlighting the crowdfunders best suited for nonprofit fundraising.

A Warning Before You Begin

It’s vitally important that you familiarize yourself with the laws regulating nonprofit fundraising in the state or states in which you will be operating. You may well have to register your charitable nonprofit with the state before you begin soliciting donations. If you’re looking to crowdfund for your nonprofit and you’re confronting these questions for the first time, I recommend starting by checking out the information provided by the National Council of Nonprofits and going from there.

It’s easy to find yourself unwittingly running afoul of fundraising laws if you’re unaware of them, so take caution!

1. GoFundMe

GoFundMe (see our review) is best known for hosting campaigns related to personal medical expenses and other tragedies. That’s what has propelled GoFundMe to become the world’s top crowdfunding platform in terms of dollars raised (more than 5 billion and counting). What’s less well known is that GoFundMe hosts nonprofit crowdfunding campaigns as well. On the subject of nonprofit campaigns (referred to as Certified Charity campaigns), GoFundMe states the following:

Certified Charity campaigns can be created by anyone, whether you’re a good samaritan wanting to support your favorite charity or an employee of a non-profit. A ‘Certified Charity‘ badge will appear on the campaign to give your cause an extra layer of verification.

Donations made to Charity campaigns are processed through PayPal Giving Fund, a 501(c)3 public charity (Federal Tax ID: 45-0931286). The Campaign Organizer doesn’t have to touch the money at all, and donors will automatically receive a tax-deductible receipt.

In order to launch a Certified Charity campaign, the outfit you’re fundraising for must be a 501(c)(3) US-based nonprofit organization. It must also be registered in PayPal Giving Fund’s database. If your 501(c)(3) nonprofit isn’t in this database, GoFundMe outlines how you can rectify that here. And if your nonprofit is based outside the US, GoFundMe asks you to contact them to discuss your options.

GoFundMe’s Certified Charity campaigns carry with them a 5% platform fee on the money raised. While GoFundMe eliminated their 5% platform fee for their US-based personal campaigns in late 2017 (and has subsequently expanded that policy to Canada and the UK), the platform fee still applies to nonprofit campaigns. Now, given the current trend in crowdfunding (and with GoFundMe in particular), I wouldn’t be surprised if GoFundMe eliminated the platform fee for its Certified Charity campaigns sometime in the future. For now, however, the 5% platform fee remains.

In addition to the platform fee, a 2.9% + $0.30 processing fee will apply to each donation made. Therefore, a total fee of 7.9% + $0.30 will be taken from each donation.

GoFundMe provides the following primer for those interested in starting a crowdfunding campaign for a nonprofit organization. Check out our full GoFundMe review for more information.

2. YouCaring

YouCaring is another crowdfunding site specializing in personal and charitable fundraising campaigns. Having facilitated over $900 million in donations since its founding in 2011 — and having recently acquired Indiegogo’s charitable crowdfunding spinoff Generosity — YouCaring’s profile is rising as a cause-oriented crowdfunding platform. Thankfully for you, they host nonprofit crowdfunding campaigns as well as campaigns for individuals.

YouCaring has one big advantage going for it vis-à-vis GoFundMe. Unlike their larger competitor, YouCaring charges no platform fees to the crowdfunding campaigns it hosts, including nonprofit campaigns. That’s 5% more funds going to your charity — not too shabby. Just keep in mind that you’ll still be paying 2.9% + $0.30 per transaction to the payment processor. You can use PayPal (see our review) or WePay (see our review) for payment processing, though YouCaring recommends WePay.

One drawback of using YouCaring compared to GoFundMe, however, is the fact that with YouCaring, your donors won’t automatically get tax-deductible receipts. The nonprofit in question will have to do this themselves by collecting their donors’ contact information through YouCaring.

While YouCaring doesn’t have as much nonprofit-specific information on their site as does GoFundMe, they do include this guide for setting up a WePay account under your nonprofit organization.

3. Razoo

Since its founding in 2006, Razoo (see our review) has been something of an all-of-the-above crowdfunder, hosting crowdfunding campaigns for nearly any cause under the sun: business crowdfunding, personal crowdfunding, team crowdfunding, and, yes, nonprofit crowdfunding. Recently, however, they seem to be paying special attention to capturing more of the nonprofit crowdfunding market.

In order for your nonprofit to directly raise funds on Razoo, it needs to be registered as a 501(c)(3) public charity in the US. However, if your organization doesn’t yet have 501(c)(3) status or is based outside the US, you may still be able to use Razoo for fundraising. To do this, you’ll need to find an organization willing to act as your fiscal sponsor. Razoo provides information as to how to do this here.

Razoo charges a standard nonprofit crowdfunding campaign 4% off the top as a fee, with an additional 2.9% + $0.30 per donation going to the payment processor. A standard Razoo nonprofit campaign will be paying slightly less in fees than a GoFundMe campaign. However, Razoo has recently unveiled a new feature exclusively for nonprofits: premium subscription plans that eliminate the 4% Razoo transaction fee and give your nonprofit unique fundraising software through which your organization can run a totally branded crowdfunding campaign.

Here are Razoo’s three nonprofit premium plans and their respective details:


  • $99/month, billed annually
  • No platform fees
  • Unlimited P2P & Team pages
  • Priority support
  • Donor analytics
  • Advanced CRM tools
  • Donor data collection
  • Data Connect integration
  • Branded donation page, donation receipts, and donation widget
  • Volunteer management


  • $249/month, billed annually
  • All of the above, PLUS:
  • Pro CRM tools
  • Advanced donor data collection
  • Email messaging
  • Branded P2P fundraising
  • Advanced white label controls
  • Custom subdomain


  • Contact Razoo for pricing
  • All of the above, PLUS:
  • Domain masking
  • Custom events
  • Dedicated project manager
  • Fundraising coaching

These aren’t cheap packages, so if you’re considering going this route, it’s best if you have some experience with nonprofit fundraising and have a reasonable expectation of funding success. If you do, these premium nonprofit packages offer a pretty compelling deal. Your organization will be able to host its own crowdfunding campaign — one operating under its own brand, not that of Razoo. Plus, you’ll have access to the advanced campaign features listed above.

Donors who contribute to nonprofit campaigns will immediately be emailed a receipt which can be used to claim a deduction on their taxes.

Read our full Razoo review to learn more.

4. FundRazr


Declaring themselves “Canada’s leading crowdfunding platform”, FundRazr (see our review) has facilitated the raising of over $116 million USD in their near-decade of existence. FundRazr hosts crowdfunding campaigns for personal causes, business causes, and, yes, nonprofit organizations. The company also has a great reputation among both campaigners and donors. In fact, FundRazr is one of the few crowdfunding outfits that proudly links to its Trustpilot page. That should tell you something.

FundRazr goes into exactly who can raise money on their site for a nonprofit organization here. Essentially, if you’re not an Authorized Officer of the organization in question, you’ll need to submit a Letter Of Subordination that expressly authorizes you to fundraise on behalf of the organization.

A nonprofit fundraising campaign on FundRazr will have to contend with fees equal to those of GoFundMe. There’s a 5% platform fee and a 2.9% + $0.30 payment processing fee. Sorry!

FundRazr doesn’t give a great deal of guidance for nonprofits looking to use their platform, so if you represent a nonprofit, you’ll want to get in touch with the company to iron out the details. One thing I can tell you, however, is that PayPal and WePay (available in the US, UK, and Canada only) are your options for payment processing.

Read our FundRazr review to get the full story.

5. CrowdRise

For most of its existence, following its founding in 2010, CrowdRise was a crowdfunding platform for both personal causes and charity/nonprofit fundraising. However, in early 2017, CrowdRise was acquired by GoFundMe. CrowdRise now directs all would-be personal campaigners to GoFundMe while focusing solely on crowdfunding for nonprofit organizations.

CrowdRise details the following requirements for using their services:

In order to become a CrowdRise nonprofit, [an organization] must first be a registered 501c3 in good standing with the IRS or a Canadian charity in good standing with the CRA, and have a valid listing on GuideStar (US) or Canada.Ca (Canada).

CrowdRise is somewhat similar to Razoo in that you can set up a crowdfunding campaign for free and pay a transaction fee on what you raise or you can spring for a paid subscription that reduces (or eliminates) the transaction fee and gives you access to special fundraising features. Here are the details on CrowdRise’s offerings:

Starter (the free-to-start no-subscription package)

  • 6% platform fee, 2.9% + $0.30 payment processing fee
  • Essential fundraising tools
  • Two active campaigns
  • Registration integrations
  • Recurring donations
  • Basic campaign theming
  • Email support
  • On-demand training resources


  • Contact CrowdRise for subscription pricing
  • 3% platform fee, 2.9% + $0.30 payment processing fee
  • All of the above, PLUS:
  • Unlimited active campaign pages
  • Custom branded URLs
  • Registration and ticketing
  • Custom transactional emails
  • Configurable donate forms
  • Text-to-donate
  • API access
  • Google Analytics integration
  • Salesforce integration
  • Fundraising minimums
  • Phone support with 24-hour response time
  • Success strategist and annual review
  • Live, web-based setup and training


  • Contact CrowdRise for subscription pricing and fees
  • All of the above, PLUS:
  • Complex campaign structure
  • Parent/child level campaigns
  • Adjustable donor fees
  • Phone support with 4-hour response time
  • Premier account management
  • Live setup, training and success planning
  • Success resources w/ live assistance
  • Quarterly success review

It’s unfortunate that CrowdRise doesn’t just list the pricing for premium plans on the website. Still, you get the idea. Pay a monthly fee, and you’ll get the platform fee reduced and gain access to special features you can employ in the course of your crowdfunding campaign.

At first glance, CrowdRise’s standard nonprofit crowdfunding campaigns don’t look too appealing, what with that 6% platform fee and the payment processing fees. However, when a donor pledges to a campaign on CrowdRise, they’re given the chance to cover these fees themselves — and, according to CrowdRise, most donors do just that. CrowdRise states that on average, 98% of funds donated to causes go to the campaigner due to this policy. If true, this is a very competitive rate indeed!

6. FirstGiving

FirstGiving is a fundraising platform wholly devoted to nonprofit crowdfunding. It’s somewhat similar in structure to CrowdRise in that you can fundraise for a nonprofit freely without a subscription or get a subscription which gives you access to more advanced features.

According to FirstGiving:

All donations made through FirstGiving are processed through our charity partner Global Impact, a 501c3 nonprofit, and are fully tax-deductible to the full extent of the law.

No word on whether donors get sent a tax-deductible receipt or not.

Without a subscription, one can launch a crowdfunding campaign for “any of the 1.5 million nonprofits in the US” A “performance fee” of 5% and a credit card processing fee of 2.5% apply to what you receive; however, as with CrowdRise, donors are given the option of covering these fees when they donate, and FirstGiving estimates that 45% of donors do so.

As for the paid subscription packages, here’s what FirstGiving has to offer. Unfortunately, you’ll have to contact FirstGiving to get pricing estimates.

FirstGiving Pro

  • For small- to medium-sized nonprofits
  • Branded fundraising pages
  • P2P and event registration
  • Event management
  • Corporate gift matching
  • Comprehensive reporting
  • GiftWorks Cloud integration

Artez Enterprise

  • For large nonprofits
  • Fully customized fundraising and event pages
  • Built-in coaching tips
  • Predictive suggested donation amounts
  • Mobile optimized donation forms
  • Monthly giving programs

A Note Regarding Indiegogo

If you’ve cruised the internet looking for crowdfunding platforms that cater to nonprofits, you’ve probably seen Indiegogo (see our review) listed as one such platform. However, this was before Indiegogo sold its charitable crowdfunding division, Generosity, to YouCaring. As of March 2018, you can no longer launch a nonprofit crowdfunding campaign with Indiegogo.

Final Thoughts

Crowdfunding for nonprofits isn’t as straightforward as crowdfunding for a business or for a personal cause. Thankfully, modern crowdfunding platforms make it easier than ever to navigate the legal complexities to help nonprofits raise money, whether you’re an officer of the nonprofit or not. Just be careful and make sure you’re doing everything by the book!

The post 6 Platforms That Do Crowdfunding For Nonprofits appeared first on Merchant Maverick.


5 Great LoanBuilder Alternatives For Small Businesses

PayPal’s LoanBuilder offers an unusually high level of transparency to prospective borrowers, allowing them to see — and even tinker with — the terms of their loans well in advance of signing on the dotted line.

This is a welcome trait in an industry where speed and low barriers to entry take precedence over openness and affordability.

As we often warn in our reviews, however, it’s a good idea to compare as many different products as you can to get the best deal you can.

So what are some alternatives to LoanBuilder for small business?

Square Capital

Best for: Square customers looking for small loans with low rates

Square, a company known more for point of sale hardware and software, also offers an alternative lending service to its clients. That last bit will probably be a major deciding factor for most of the people reading this: to get a loan from Square Capital you have to already be an existing Square customer.


Time in business: N/A
Credit score: N/A
Revenue: $10K/yr

If you’re a Square customer, you may periodically get funding offers from the company by email. This passive approach to lending won’t suit everyone, but Square does offer some of the lowest short-term loan rates in the business (between 1.1 and 1.16). If you accept the offer, you’ll have up to 18 months to repay the loan. Micropayments are deducted from your daily credit card sales until you’re paid up. You can borrow between $500 and $100,000.

This arrangement may not be for everyone, of course. A lot of the advantages come from being heavily integrated into the Square environment — their credit card processing service makes it easy for them to collect on their debt. You may not be comfortable owing debt to the company that also handles your point of sale.


Best for: Businesses looking for a transparent alternative lender, businesses looking for medium-term loans

If you’re attracted to LoanBuilder’s transparency but want an alternative, you may want to give Credibly a look. Credibly offers a bit more diversity in their loans than most alternative lenders, providing not just short-term, but more traditional medium-term loans. You can find most of the information you need to make an informed comparison on their website.


Time in business: 6 months
Credit score: 500
Revenue: $15K/yr + avg. daily balance over $1K for expansion loans

Compared to LoanBuilder, you’re probably looking at higher rates (between 1.09 and 1.36), especially if you don’t have great credit, but you’ll have a little more leeway with term lengths. Consider whether the tradeoff is worth it before you commit to anything.


Best for: Businesses looking for low rates

This addition to the list probably won’t be a big surprise to anyone familiar with the alternative lending industry. If you’ve been looking for loans online, there’s a good chance you’ve come across OnDeck.


Time in business: 12 months
Credit score: 500
Revenue: $100K/yr

As one of the early arrivals to the alternative lending scene, OnDeck’s had a lot of time to hone their products and offer competitive rates. These extremely low rates (1.003 – 1.04) come at the cost of some additional charges, namely a fairly high origination fee, but you’re still likely to land a better deal here than with many other alternative lenders. Additionally, OnDeck offers lines of credit for companies that want the flexibility.

You won’t find quite the same level of transparency here as you will with LoanBuilder, though the company’s website should give you a decent sense of what types of fees to expect.


Best for: Businesses looking for equipment financing and transparency

SnapCap flies under the radar compared to some of the other funders on this list, but they still deserve an honorable mention. Like Credibly, their rates are a little higher, particularly for borrowers with bad credit.



Time in business: 1 year
Credit score: 500
Revenue: $100K/yr

On the other hand, you’ll be able to find a lot of the information you’re looking for upfront, with only a little digging around SnapCap’s website. While they wouldn’t be my first choice for unsecured loans, SnapCap also offers secured financing in the form of equipment loans. This is where they’re most likely to stand out to prospective borrowers.


Best for: Companies that want to avoid hidden fees

As we often caution, the alternative lending industry isn’t known for its transparency. Kabbage is an interesting case study. The fee structure is a bit more complex than that of many of its competitors, which can make it challenging to compare to other products.


Time in business: 1 year
Credit score: N/A
Revenue: $50K/yr

Kabbage, however, takes pains to give you the tools necessary to figure out exactly what you’ll owe. Their website comes equipped with handy tools and explanations of their formulas. The big selling point here is that you won’t have to worry about Kabbage springing any surprise administrative fees; everything’s factored into the rates you see.

Final Thoughts

Alternative lending is a highly competitive market, so you should never feel like you’re locked into one particular funder. Find a lender you’re comfortable working with that offers you fair terms.

Not sure where to start looking? Check out our small business loan comparison.

The post 5 Great LoanBuilder Alternatives For Small Businesses appeared first on Merchant Maverick.


Best Accounting Software For Macs

Best Accounting Software For Macs

Are you a loyal Mac-lover looking for accounting software? You’ve come to the right place!

When there are so many accounting options out there, finding the best small business accounting software for Macs isn’t easy — especially now that QuickBooks has discontinued QuickBooks Mac. Luckily for you, we’ve created this list of the top five best accounting software programs for Mac users.

Each of these programs offers tons of features and has a 4/5 star rating (or higher) on our site. We’ve picked a variety of accounting software programs that target different business sizes, needs, and price ranges so that you can find the best Mac accounting solution for your small business.

Read on to learn which option is right for you.



When most people think about accounting software, they’re really thinking about QuickBooks (the notoriously difficult to learn, locally-installed software for Windows). AccountEdge (see our review) offers the same sort of functionality as QuickBooks Pro, but for Mac users.

AccountEdge is an on-premise, traditional accounting program. Because AccountEdge is locally-installed, the software is far more developed and offers much more functionality than the other programs on this list. For example, it’s the only software of the five to offer lead management. But these features come at the cost of a steep learning curve.

The software is also more limited than its cloud-based counterparts in that there is no mobility and the cost of extra users adds up fast. However, for those with accounting experience who are planning on sticking with one software for a few years, AccountEdge can be an economical choice and may even prove to be less expensive than some cloud-based alternatives.

Best Accounting Software For Macs


AccountEdge is a fully-developed accounting solution with tons of great features for running a business:

  • Invoicing
  • Quotes
  • Contact management
  • Lead management
  • Expense tracking
  • Bank reconciliation
  • Accounts payable
  • Chart of accounts
  • Inventory
  • Project management
  • Time tracking
  • Payroll
  • Commission
  • 100+ reports
  • Customizable cards
  • Budgeting
  • Sales tax
  • Multi-currency support

Note: Some features are only available with AccountEdge Pro.


AccountEdge Basic costs a one-time fee of $149 for a new user license, while AccountEdge Pro (which includes all of the features listed above) runs $399 for a new user. Each license comes with a single-user; additional users cost extra. Any future AccountEdge upgrades are offered at a discounted rate.

If you’re looking for a locally-installed Mac accounting software, you really can’t beat AccountEdge. Read our full AccountEdge review to learn more about this software or give it a whirl with the free 30-day trial.


Best Xero Alternatives

Xero (see our review) has been a force to be reckoned with in the accounting world since 2006. This software (and all of the other Mac accounting options) in this post differ from AccountEdge in one significant way: they are cloud-based. Instead of installing the software on your computer, the software is accessed via the internet. That means that Mac and Windows users alike can benefit from Xero.

Xero offers strong accounting, incredible customer service, and an impressive number of positive customer reviews. Xero also allows for unlimited users, something almost unheard of in the accounting world.

The software is ideal for medium-large businesses in need of strong accounting and multiple users. Xero allows you to set detailed user permissions and manage multiple companies. While there is a small plan marketed toward smaller businesses, this plan is incredibly limited when compared to similar offerings by other cloud accounting programs (like Wave and Zoho Books for example). Payroll is only available in 37 states.

Best Accounting Software For Macs


Xero offers a great selection of features:

  • Invoicing
  • Estimates
  • Contact management
  • Expense tracking
  • Accounts payable
  • Bank reconciliation
  • Chart of accounts
  • Fixed asset management
  • Inventory
  • Project management
  • Timesheets
  • Payroll
  • 65 reports
  • Journal entries
  • Print checks
  • Tax support
  • Sales tax
  • Multi-currency support

Note: Feature access may vary by plan. Visit our comprehensive Xero review for a complete feature list.


Xero offers five scalable price plans ranging from $9/mo – $180/mo. Payments are made monthly. Each plan comes with unlimited users. Check Xero’s pricing page for more details.

If Xero sounds like it might be a good fit for you, check out our comprehensive Xero review and/or take the software for a spin with a free 30-day trial. If you do end up going with this accounting software, take a look at How To Set Up Your Xero Account, a free guide that walks you through how to set up and use your Xero software.

QuickBooks Online

QuickBooks Capital Review

QuickBooks Online (see our review) was launched in 2004. Since then, this robust software has grown to support over 2.2 million users. QuickBooks Online is cloud-based software with over 500 integrations and beautiful invoicing automations and customizations.

In the past, QuickBooks Online was fairly intuitive and required little previous accounting experience, but a recent downgrade in usability has made the software fairly difficult to navigate. However, the software is updated monthly so (hopefully) this could change soon.

The software is ideal for all types of small businesses, particularly those in need of strong accounting and ample integrations. It is not a good fit for companies with more than 25 users.

Best Accounting Software for Macs


QuickBooks Online offers an impressive number of features. These features are often a lot easier to use than those of locally-installed alternatives:

  • Invoicing
  • Invoice automations (like autoscheduling)
  • Estimates
  • Basic client portal
  • Contact management
  • Expense tracking
  • Bank reconciliation
  • Accounts payable
  • Chart of accounts
  • Inventory
  • Project management (beta)
  • TIme tracking
  • Reporting
  • Budgeting
  • Class tracking
  • packing slips
  • Tax support
  • Sales tax
  • Multi-currency support

Note: Feature access may vary by plan. Visit our comprehensive QuickBooks Online review for a complete feature list.


QuickBooks Online offers three pricing plans ranging from $15/mo – $50/mo. Plans are paid monthly and payroll costs an additional $39/mo – $99/mo. Check QuickBooks Online’s pricing page for more details.

If you’re interested in QuickBooks Online, read our complete QuickBooks Online review for more details and take advantage of the free 30-day trial.

Zoho Books

Best Accounting Mobile Apps

Zoho Books (see our review) is a complete accounting package with some of the most beautiful invoicing tools I have ever seen. The software was launched in 2009 and is an easy accounting software for Mac users to learn and use.

Overall, Zoho Books is incredibly affordable, offers good customer support, has amazing mobile apps, and provides some of the best international business options on the market.

Zoho Books is ideal for small to medium businesses (with up to 10 users) that are looking for strong accounting capabilities. Zoho Books has almost all of the features you’d find in QuickBooks or Xero; the only thing the software doesn’t offer is payroll or budgeting, so users in need of built-in payroll may want to look elsewhere.

Best Accounting Software For Macs


Zoho Books offers an impressive number of features:

  • Invoicing
  • Estimates
  • Client portal
  • Contact management
  • Expense tracking
  • Mileage deductions
  • Accounts payable
  • Chart of accounts
  • Fixed asset management
  • Inventory
  • Time tracking
  • Project management
  • 50+ Reports
  • Journal entries
  • Class tracking
  • Print checks
  • Tax support
  • Sales tax
  • Multi-currency support
  • Invoice in multiple languages

Note: Feature access may vary by plan. Visit our comprehensive Zoho Books review for a complete feature list.


Zoho Books offers three pricing plans ranging from $9 – $29/mo. Plans are paid monthly. Features vary by plan. Check out Zoho Book’s pricing page to learn more.

If Zoho Books sounds like it might be the best Mac accounting software option for your business, or if you’re interested in learning more, be sure to read our complete Zoho Books review and take advantage of the free 14-day trial.


Best QuickBooks Online Alternatives

Wave (see our review) is the best free accounting software for Mac users. And just because it’s free doesn’t mean it’s skimping on features. The software is incredibly robust and very easy to use. Wave offers strong accounting, decent invoicing, and built-in lending. The customer support is great and user reviews are positive almost across the board.

The ability to separate personal and business expenses makes Wave ideal for freelancers and microbusinesses, while complex accounting features (like a detailed chart of accounts) will meet the needs of most any small business. The software is ideal for businesses looking to save a bit of money. There is an Etsy-integration as well, which makes Wave a perfect choice for Etsy sellers. The software is not ideal for users in need of cash-basis accounting.

Best Accounting Software For Macs


Wave offers an impressive number of features, especially for a free accounting software. These features are easy to navigate and don’t require a background in accounting to use:

  • Invoicing
  • Estimates
  • Contact management
  • Expense tracking
  • Separate personal and business expenses
  • Accounts payable
  • Bank reconciliation
  • Chart of accounts
  • Item list
  • Time tracking
  • Lending
  • 12 reports
  • Multi-currency support
  • Sales tax


As I mentioned earlier, Wave is a free accounting solution. However, there are a few extra costs to be aware of. Namely, payroll and credit card processing come at an additional price. Be sure to check Wave’s pricing page for the full scoop on these costs.

If this free software sounds tempting, you’ll want to read more about it in our full Wave review. You can also sign up for a free Wave account to give it a try (and cancel at any time).

Which Software Should I Choose?

When it comes to choosing the best small business accounting software for Mac users, we couldn’t pick a single favorite. There are several great Mac accounting options, and choosing which one is right for your business will ultimately depend on your business’s size, needs, and price range.

To summarize:

  • AccountEdge: AccountEdge is the best locally-installed accounting software for Mac users. The software offers more features than any of the other Mac accounting software alternatives, but there is a learning curve and the software is not ideal for businesses with multiple users.
  • Xero: Xero is an incredibly robust accounting option that is ideal for medium to large businesses. The software also has a bit of a learning curve, but it offers unlimited users and great customer support.
  • QuickBooks Online: QuickBooks Online is one of the best small business accounting options. It has hundreds of integrations and plenty of features for most businesses. The software isn’t the easiest to use, and customer support can be a hit or miss.
  • Zoho Books: Apart from Wave, Zoho Books is the easiest accounting software for Mac users to learn. It offers true accounting, beautiful invoicing, and competitive pricing. The software is ideal for small to medium-sized business who don’t need payroll or a lot of integrations.
  • Wave: Wave is the best free accounting software for Macs. The software offers true accounting, but is easy to use and suits the needs of freelancers, micro businesses, and most small businesses. It’s not as comprehensive as AccountEdge or Xero, but the price tag is enticing.

When choosing between these five options, one of the first questions you should ask is: Do I want locally-installed or cloud-based software? 

If you’re set on a locally-installed program, then the decision’s already made for you — AccountEdge is the way you should go. If you prefer the mobility of cloud-based software, then Xero, QuickBooks Online, Zoho Books, or Wave would be better options.

For additional help choosing which software is best for your small business, read 10 Questions To Ask Before Choosing Accounting Software. I also highly recommend reading our reviews and taking advantage of free trials before committing to any solution. Read the Complete Guide to Choosing Online Accounting Software and Accounting Software: Cloud-based or Locally Installed? for extra help.

Good luck on your journey to finding the perfect accounting software for your Mac, and feel free to reach out if you have any questions along the way.

The post Best Accounting Software For Macs appeared first on Merchant Maverick.


Best Payment Processing Integrations For Accounting Software

Best Payment Processing Integrations for Accounting Software

Are you ready to start accepting credit and debit cards from your customers? Do you want your customers to be able to pay their invoices directly online? You’ve come to the right place.

Here at Merchant Maverick, we know payment processing can be a tricky concept to wrap your mind around. Finding the best option for your business isn’t always easy. The good news is we’ve done the hard work for you. The even better news? Each of these payment processors integrates directly with your accounting software to make your life that much easier.

This post will discuss five of the top payment processors that integrate directly with accounting software. We’ll cover the pros and cons of each to help you decide which is best for your small business. And we’ve even created a handy chart to help you compare all the payment processors that integrate with major accounting programs.

But before we begin, let’s cover a few basics about payment processing.

If you’re already a payment processing pro, feel free to skip this section and continue on to our top picks for best payment processing integrations. Or visit our merchant account reviews to see more payment processing options.

A Brief Intro To Payment Processing

There are two different types of payment processing companies — merchant accounts and payment service providers (or PSPs).

  • Merchant Account: A merchant account is an individual account that connects your business directly to a payment processor so you can accept credit cards and debit cards. When your customer pays with a card and the payment clears their banking institution, the transaction will be deposited directly into your bank account through your merchant account.
  • Payment Service Provider: A payment service provider also allows you to accept credit cards and debit cards. However, instead of creating an individual account, a PSP will lump all of your transactions into a shared account where multiple merchants transactions are stored.

So which one should you use? There are a lot of factors to consider, including your business type, the size of the transactions you’re processing, the number of transactions you process per month, and whether or not you are considered a “high-risk” merchant.

According to our merchant account expert, Tom DeSimone:

If you plan to process large transactions ($300 or more) or a sizeable monthly volume in card payments (about $10K or more, NOT INCLUDING cash and checks), you will want a merchant account to get the best rates.

On the other hand, he says this about PSPs:

While transactions fees might be a little higher than if you had your own merchant account, PSPs usually do not charge a monthly fee or other schedule fees. You just pay for what you use, which is ideal for businesses that only process sporadically.

It’s pretty simple, really. If you plan on processing large transactions or lots of transactions every month, a merchant account will probably be the way to go. If you’re a smaller business that doesn’t process much and needs a pay as you go option, a PSP might be a better choice.

There are other pros and cons to consider with each type of payment processing company, however.

We borrowed this handy chart from our Beginner’s Guide To Payment Processing to help you better understand the differences between merchant accounts and PSPs:

Best Payment Processing Integrations for Accounting Software

There is one more important concept to cover before we move on. In addition to merchant accounts and PSPs, you might encounter payment gateways.

If you’ve ever bought anything online, you’re already familiar with this concept (whether you know it or not):

  • Payment Gateway: A payment gateway allows you to accept credit and debit cards online. Payment gateways use either merchant accounts or PSPs to connect your business and your customer’s banking institution so you get paid.

Payment gateways account for some of the most common accounting integrations (think PayPal and Stripe).

In order to integrate your accounting software to a payment gateway, you will need to establish an account with that gateway provider. Depending on the payment gateway you choose, you may need to set up a merchant account or PSP account. Your payment gateway may require that you use a specific merchant account or PSP of theirs, or they may offer a payment gateway and merchant account or PSP bundle.

I know this is a lot to take in, believe me, but it gets easier from here. Now you can sit back, relax, and learn about our top five favorite payment processing integrations for accounting software.


Best Payment Processing Integrations for Accounting Software

Fattmerchant integrates with QuickBooks Online.

Fattmerchant (see our review) is a merchant account provider that was founded in 2014. This company sets itself apart by offering subscription-based pricing, making it competitive and potentially more affordable than other merchant accounts. Fattmerchant also offers 24/7 customer support and receives positive feedback from the majority of its customers.

Products & Services

Fattmerchant supports the following products and services:

  • Merchant account
  • Virtual terminal
  • Countertop terminals (pricing not disclosed)
  • Point of Sale (POS) integrations
  • Mobile payments
  • One mobile card reader ($75 for each additional reader)
  • Shopping cart integration
  • eCheck services ($29/mo + $0.25 per transaction)
  • Data analytics

The company does not have its own payment gateway, but Fattmerchant is compatible with Authorize.Net, Payeezy, or the TSYS Payment Gateway. It will set you up with a free gateway or integrate with your existing one.


Fattmerchant offers two pricing plans that are paid monthly. There is no locked-in contract and no early termination fees for either plan.

  • Basic: $99/mo + $0.08 per transaction for retail ($0.15 per transaction for ecommerce)
  • Enterprise: $199/mo + $0.05 per transaction for retail ($0.10 for ecommerce)

If you’re looking for an affordable, honest merchant account, Fattmerchant is one of the best. This option is good for businesses looking for a predictable monthly subscription plan. Fattmerchant does not provide high-risk merchant accounts and may not be a good value for small businesses with low payment processing.

Read our full Fattmerchant review to learn more and see if this affordable merchant account option is right for you.


Best Payment Processing Integrations for Accounting Software

CDGcommerce integrates with QuickBooks Online.

CDGcommerce (see our review) is a merchant account provider with over 20 years of payment processing experience. This company is geared toward small to medium-sized business and also operates on a monthly subscription pricing model. A free payment gateway is included with every CDGcommerce merchant account. The company also sets itself apart with an impressive client retention rate and excellent customer support.

Products & Services

CDGcommerce supports the following products and services:

  • Virtual terminal
  • One credit card terminal (with a $79/yr insurance fee)
  • Mobile payments
  • POS systems
  • Optional security service
  • Data analytics and reports

CDGcommerce offers a free payment gateway. Users can choose between Quantum or Authorize.Net.


CDGcommerce has two types of pricing: simplified pricing and advanced pricing. Simplified pricing rates depend on your business type and size.

  • Online: Interchange + 0.30% + $0.15 per transaction
  • Retail: Interchange + 0.25% + $0.10 per transaction
  • POS: Interchange + 0.25% + $0.10 per transaction
  • Mobile: Interchange + 0.25% + $0.10 per transaction
  • Non-Profit: Interchange + 0.20% + $0.10 per transaction

Advanced pricing offers discounts for business with a processing volume of $10,000+ each month. There are no long-term contracts or early terminations fees for either pricing structure. Check out our complete CDGcommerce review for more pricing details. To learn more about interchange and interchange-plus pricing, read Trading Ease For Transparency With Interchange Plus.


CDGcommerce is a scalable company with an impressive number of products and services. The free credit card terminal is also a huge plus. The only catch with this company is that it is limited to merchants in the US.

If you’d like to learn more about CDGcommerce, read our full CDGcommerce review.


Best Payment Processing Integrations for Accounting Software

Square integrates with QuickBooks Online, Xero, Zoho Books, Kashoo, and Kashflow.

You’re probably familiar with the swipe-based payment processing system known as Square. Square (see our review) is one of the leaders in mobile processing. It offers great features including inventory, invoicing, and customer management features. And to top it off, Square has a ton of integrations.

Products & Services

Square supports the following products and services:

  • Virtual terminal
  • Gift cards ($2 per card)
  • Shopping cart integrations
  • e-Invoicing
  • Inventory management
  • POS app
  • Customer management
  • Customer feedback
  • Advanced reporting
  • Email marketing
  • Appointments ($30-$90/mo)
  • Payroll ($25/mo + $5/mo per employee)
  • Event rentals


Square offers standard fees with no interchange-plus pricing. There are no monthly fees, no locked-in contracts, and no early termination fees.

  • Standard Swipe Transactions: 2.75% per transaction
  • Square Register Swipe Transactions: 2.5% + $0.10 per transaction
  • Virtual Terminal Transactions: 3.5% + $0.15 per transaction
  • eCommerce & Invoice Transactions: 2.9% + $0.30 per transaction

Square offers several add-ons and additional monthly services. Be sure to read our complete Square review for more pricing details.

If you’re looking for a mobile payment processor, this is one of the most well-known and developed options. Square is good for small businesses with low processing volumes and can be an affordable choice. However, Square is not meant for high-risk merchants or companies with a large processing volume as the company is known to hold funds and suddenly terminate accounts.

To learn if Square is the right payment processing option for your business, check out our full Square review or read our post: Is Square Right For Your Business?.


Best Payment Processing Integrations for Accounting Software

Authorize.Net integrates with QuickBooks Online, Xero, Zoho Books, FreshBooks (classic), and Microsoft Dynamics.

Authorize.Net (see our review) is a payment gateway that was founded in 1996; it has since supported over 400,000 merchants. Not only does Authorize.Net allow you to accept online payments from customers, it also has a checkout feature, recurring billing, contact management, and fraud protection. In addition, the company offers good customer support and key accounting integrations.

Products & Services

Authorize.Net supports the following products and services:

  • Virtual terminal
  • Mobile payments app
  • Supports mobile card reader ($42-$98 per reader)
  • Simple checkout
  • Apple pay support
  • Fraud detection
  • Recurring billing
  • Customer information management
  • eChecks (additional cost)

If you have a merchant account, is designed to be compatible with your existing merchant account.

If you don’t have a merchant account, you can have Authorize.Net set you up with one. Or, you can choose a merchant account provider that partners directly with Authorize.Net. If you want to go this route, we recommend Dharma Merchant Services, one of our all-time favorite payment processing providers.


Authorize.Net offers two pricing plans: a gateway-only plan and a gateway + merchant account plan. There are no-long terms contracts or cancellations fees (but this may vary depending on your merchant account provider).

  • Payment-Only: $25/mo + $0.10 per transaction
  • Payment Gateway + Merchant Account: $25/mo + 2.9% + $0.30 per transaction

Note: If you are using a merchant account provider that partners with Authorize.Net, your merchant account may lower or even waive certain fees. Read our complete Authorize.Net review for more pricing details so you can make sure you get the best deal.

If you’re looking for a payment gateway, Authorize.Net is a great option. It boasts excellent customer service and tons of features to cover most business needs. One important thing to remember is that Authorize.Net is not good for data exporting. Pricing can also be expensive if you sign up with Authorize.Net directly, so make sure you explore all of your options before deciding.

Read our full Auhorize.Net review for more information.


Best Payment Processing Integrations for Accounting Software

Braintree integrates with QuickBooks Online, Xero, Sage One, FreshBooks (classic), and Saasu.

Braintree (see our review) offers both merchant accounts and payment gateways. This processing company was established in 2007 and offers impressive features, multiple currency options, and excellent customer support. Flat-rate pricing and ample integrations are also a huge plus.

Products & Services

Braintree supports the following products and services:

  • eCommerce integration
  • Mobile payments
  • Recurring billing
  • Fraud detection
  • Tax support
  • Developer tools
  • PayPal integration

Braintree comes paired with its own payment processing, but merchants can choose to use a different merchant account with the Braintree gateway for an added fee.


Braintree has a simple pricing plan. There are no monthly fees, setup fees, gateway fees, or early termination fees. Instead, you’ll pay a competitive, standard rate:

  • 2.9% + $0.30 per transaction

If you only want to use the Braintree gateway and not its payment processing, then you’ll have to pay a flat fee of $49 per month plus $0.10 per transaction instead.

We like Braintree so much that it even outranks PayPal and Stripe in our books. However, Braintree is not suited for high-risk merchants and certain types of businesses are prohibited from using Braintree.

Read our complete Braintree review for more details and to see if this merchant account and payment gateway provider is a good fit for your business.

Which Is Right For Me?

If you’ve learned anything from this post, it’s that when it comes to payment processing there are lots of options to choose from. The right payment processing provider for your business will depend on whether you’re looking for a merchant account or a payment gateway (or a combo of both), plus the number of transactions you process and the extra features your company requires.

One of the main things you should consider is which providers integrate with your accounting software. This will narrow down your decision quite a bit.

While we named some of our favorite companies above, there are several other common payment processing accounting integrations, including PayPal, Stripe, forte, and GoCardless. To make your search for the perfect payment processor easier, we’ve created a chart of the most common accounting programs and the payment processing providers they integrate with.

Software Payment Processing Integrations
QuickBooks Pro BluePay, Durango Merchant Services, QuickBooks Desktop Payments
QuickBooks Online Authorize.Net, BluePay, CDGcommerce, Fattmerchant, Forte,, Payline, PayPal, WorldPay, QuickBooks Payments,    Square, Stripe, WePay, WorldPay
Xero Authorize.Net, Bill&Pay, Braintree, Forte, GoCardless, PayPal, Square, Stripe, WorldPay
Zoho Books Authorize.Net, Braintree, Forte, PayPal, RazorPay, Square, Stripe, WePay
Wave PayPal, Stripe, Wave Payments
FreshBooks (new), Payments by FreshBooks, PayPal, Stripe
FreshBooks (classic) Authorize.Net, Braintree, Forte, PayPal, Stripe
Sage One Braintree, PayPal, Sage Payment Solutions,
Stripe, WayPay, WorldPay
Sage 50c GoCardless, Sage Payment Solutions
FreeAgent GoCardless, PayPal, Payal Here, Square, Stripe
Saasu Braintree, eWay, PayPal, PayWay, PinPayments, Stripe
Kashflow GoCardless, Global Payments, PayPal, Square,
Stripe, WorldPay,
Kashoo BluePay, PayPal, Stripe
ClearBooks GoCardless, PayPal,  PayPoint
AND CO PayPal, Stripe

Note: The above integrations are always changing and may vary by country. Check with your accounting software directly for the most up-to-date information.

Remember that when you are choosing the perfect payment processor to integrate with your accounting solution, you can never do enough research. Be sure to check out our merchant account reviews to learn how each software stacks up in terms of features, value for your money, and reliability. If you’re interested in learning more about payment processing, you can also download our free Beginner’s Guide To Payment Processing to learn to evaluate your options, negotiate a good merchant account contract, and more.

Best of luck, and stay tuned for more payment processing tips and tricks from the Merchant Maverick team. If you’d like to do more reading on the subject, the following articles will point you in the right direction:

The Complete Guide to Online Credit Card Processing With a Payment Gateway

Are You A High-Risk Merchant?

The 5 Best Small Business Credit Card Processing Companies

The post Best Payment Processing Integrations For Accounting Software appeared first on Merchant Maverick.


The Best Credit Card Processing Apps for Small Retail Businesses


Say you have a small retail business. You don’t have a lot of money to invest in a super-complicated POS, and you don’t want to deal with a multi-year processing contract. Frankly, the idea of trying to narrow down the options in both categories at the same time is a little bit daunting. But enter another option: an app for a tablet (or even a smartphone) that bundles payment processing and POS software all in one go, with no contract or commitment. A single app with all (or at least most) of the features a brick-and-mortar storefront could want. But what are the best credit card processing apps for small retail businesses?

Cost is definitely part of the consideration, but more than that you need to make sure any software you use actually delivers the features you need to run your business. Most processing apps tend not to be as full-featured as a full POS, but they are capable of delivering on core needs. After we go over which features should be a priority, we’ll get into the most promising apps that let you process credit cards and run your business together.

Credit Card Processing Apps For Small Retailers

In addition to choosing apps based on the most useful features, we had two other criteria in choosing the apps: first, they had to be mobile apps for tablets (and preferably smartphones). Second, they must offer a bundled payment solutions. A couple of the options on the list allow you to bring your own processor if you want, but they do offer their own payment option as a default.

In no particular ranking, here are my favorite picks for retail-focused credit card processing apps:


Square business model and mobile credit card processingSquare does have a specialty POS app for retailers, called Square for Retail. That one doesn’t actually make the cut because it’s designed for larger businesses and it actually lacks many features found in the basic free app, Square Point of Sale.

Point of Sale has definitely come a long way from just a basic mobile POS app, and it’s absolutely a solution that will grow with your business. Its clear, transparent pricing strategy (2.75% for swiped/dipped/tapped transactions) and robust app make it an attractive option for retailers. But then there’s the assortment of add-on services (email marketing, appointment scheduling, loyalty, payroll and more) that all integrate seamlessly. Combined with the huge assortment of supported phones and tablets, and the wide mix of supported hardware, and it’s hard not to see the appeal.

While Square does offer payroll and employee management, these features will cost you more — $5 per employee per month for each.

Something I do want to point out: Square does have many iPad-only features, but much of its hardware is equally compatible with Android devices as it is iPads, which is a major departure from most apps that favor the Apple ecosystem.

PayPal Here

PayPal Here review: One of the top Square alternativesPayPal is an obvious choice for a lot of retailers, especially those who sell online as well as in person. If you’re not interested in eCommerce, PayPal is still a good option because it does integrate with some very well known POS systems. PayPal also has its own credit card processing app, PayPal Here.

While PayPal Here is not quite as robust as the other options on this list (especially regarding inventory), it’s a very stable app with great pricing (2.7% per swipe/dip/tap) and a wide array of supported devices and compatible hardware. It’s the only app on this list to support Windows devices at all, and the phones on your tablet or phone doubles as a barcode scanner for both Android and iOS. Plus, you get up to 1,000 free employee accounts.

Plus, near-instant access to funds through your PayPal account is a pretty awesome deal, especially if you get the PayPal Debit card. Add in free sub-user accounts with restricted permissions (something Square will charge you monthly for), and you can see why PayPal makes the cut.


Shopify started as an eCommerce offering but these days it’s added a powerful POS app that also works on smartphones as well as tablets. Everything syncs up nicely for a seamless experience whether you’re selling online, in a store, or even on the go, and while the smartphone version of the app is more limited, it’s still quite functional. Shopify’s features definitely line up more with a full-fledged POS than just a mobile POS.

Unsurprisingly, that means it’s a bit more expensive than the two previous options on this list. Shopify’s plans start at a very reasonable $29/month for its online store. If you want the countertop retail solution, that’s a $49 add-on per month, but you don’t need to purchase additional licenses to add more devices, which definitely ups the value.

You can also create staff PINs without creating staff accounts — which means if only a few of you need admin privileges but you do have a large staff and want to track who is running the register, you can get PINs without paying for additional accounts.

However, I do want to call attention to an underplayed solution Shopify offers: its Lite plan. For $9/month, you can sell on Facebook and other social media platforms, add a buy button to your blog, and use the POS app. The caveat is that you can’t add the retail package to it — which means while you have the app, you don’t have support for the receipt printer or cash drawer.


Like Shopify, ShopKeep is more of a full-fledged POS than a mobile unit. But unlike Shopify, it’s not an eCommerce solution. It’s an iPad POS targeting all kinds of small businesses: retailers, yes, but also restaurants and quick-service environments. ShopKeep specifically targets small and medium-sized businesses, whereas many of these solutions are happy to tout that they work for businesses of all sizes.

ShopKeep’s user interface is highly intuitive, but also feature-rich, which is a major contributor to its popularity. In addition to its advanced inventory tracking tools, you get employee time-keeping, customizable reporting, and more. It also has a record for excellent (unlimited) customer support via email or live chat.

Sadly, there’s no smartphone app support for processing, but ShopKeep does offer integrated payments. Merchants get an interchange-plus plan based on their volume, which is pretty awesome considering there’s no contract involved, either. Everything is on a month-to-month basis. There’s also an additional $69 monthly charge per register.

Honorable Mention: SumUp

While SumUp has a few limitations — it lacks, for example, the ability to process simultaneously on multiple devices — it is overall a solid credit card processing app. The app supports a solid item library and variants, plus convenient tax settings. While there’s no offline mode and no invoicing, SumUp does have an interesting feature in its SMS payments. The app allows you to send a text message to a phone, with a link embedded. Customers can open the link, enter their payment information and complete the transaction.

Pricing is identical to Square for retail transactions: 2.75%. There is no keyed entry option within the app, but the low-priced virtual terminal (at 2.9% + $0.15, even below Square’s rate) is a workaround, though not one you should use for the bulk of your processing.

While new to the US market, SumUp has been operating in Europe for a few years, so it definitely has experience in the processing industry, and so I expect it to see fewer growing pains than other new solutions.

Must-Have App Features for Retailers

It’s safe to say what app features a business needs tends to vary from one business to the next. But there are definitely commonalities — solid inventory management or the ability to print receipts, for example. Check out our comprehensive comparison chart below to see how these systems compare to one another. 

Square for retail review logo imageSquare PayPal Here Shopify Shopkeep SumUp
Integrated Processing Yes Yes Yes (Other options available) Yes (other options available) Yes
Processing Rates (for Most Swiped/Dipped Transactions) 2.75% 2.70% 2.70% Interchange-Plus based on volume 2.75%
Monthly Fee $0 $0 Plans start at $9/month $69 per register $0
Number of Devices Unlimited Unlimited Unlimited 1 (additional registers $69/month) 1
Tablet Support Apple, Android Apple, Android, Windows Apple, Android Apple Apple, Android
Smartphone support Apple, Android Apple, Android, Windows Apple, Android N/A Apple, Android
Email/SMS Receipts Email/SMS Email/SMS Email Only Email Only Email/SMS
Receipt Printer Connectivity Bluetooth, Ethernet, USB Bluetooth, LAN, Wireless Bluetooth, USB, LAN Bluetooth, Ethernet Bluetooth, LAN
Cash Drawer Connectivity Yes (Tablet Only, With Printer Connectivity) Yes (With Star Printer Connectivity) Yes (iPad Only, with Printer Connectivity) Yes (With Printer Connectivity) Yes (with Printer Connectivity)
Barcode Scanner Yes (Bluetooth for iPad only; USB for Android) Yes (USB for windows, device camera for iOS/Android) Yes (Bluetooth) Yes (Bluetooth) No
Split Tender Yes Yes Yes Yes No
Offline Processing Mode Yes No Very Limited No No
Full and Partial Returns Yes Yes Yes (including store credit) Yes (Check store credit) Full Only
Sub-User/Employee Accounts Yes (monthly fee) Yes (free) Yes (PINS/accounts) Yes Yes (Limited)
Discounts by $ or % Yes Yes Yes Yes No
Customizable Receipts Yes Yes Yes Yes No
Generate Invoices Yes Yes Yes No No
Bulk Item Upload Yes No Yes Yes No
Item Counts Yes No Yes Yes No
Item Variants Yes Yes Yes Yes Yes
Item Photo Yes Yes Yes No Yes
Create Item From App or Dashboard Yes Yes Yes Yes No (App Only)

It’s worth mentioning that many of these systems have FAR more features that we don’t cover in this chart (think: virtual terminals, eCommerce support, supported integrations, etc.). If you really want to learn what a system is fully capable of, I recommend checking out our complete review of each credit card processing app.

Processing with Square or PayPal Here? Up Your Inventory Game with Shopventory

With retail environments, inventory is usually a major concern. Shopventory is a monthly add-on that works with Square, PayPal Here, and the Clover system (except Clover Go). It allows for inventory tracking and reporting, bundling, variants, and more. The biggest difference will be that you’ll no longer be using your credit card processing app for inventory reports or management. Everything will be done through Shopventory’s dashboard. Check out our Shopventory review for more information.

Final Thoughts

When it comes to software and processing, there isn’t a good one-size-fits-all solution for merchants. Every business’s needs are unique, so what works best for one business may not be good for another. Many of the credit card apps we’ve listed here have no monthly fees, and others offer free trials or a free pricing quote. They are all top-rated offerings, as well. The biggest difference you’ll find is the feature sets and little differences in the user interfaces.

If you’re on the fence about which to choose, I recommend checking out our full reviews of each product. Got questions? We’re always here to help, so please leave us a comment!

As always, thanks for reading!

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The Best Credit Card Processing Apps for Quick-Serve Restaurants

It’s time to upgrade the POS for your coffee shop, but you haven’t got a clue what to look for. Maybe you’re not sure you need a full-fledged POS, or you’re worried about the cost — or you don’t want to be locked into a multi-year credit card processing contract. Where do you even start looking for the right solution?

As far as technology needs go, quick-serve businesses like bakeries, cafes, and ice cream parlors straddle the line between retail shop and restaurant. What POS features work for a retail business won’t quite cut it, but there’s no need for many of the features found in a full-service restaurant POS. Credit card processing apps combine the convenience of a POS and a merchant account into one single solution, with the convenience of a flexible (even mobile) setup.

We looked over the options for quick-serve businesses and put together a list of the best options. But first, a few criteria!

Choosing the Best Apps for Quick-Serve Businesses

A lot goes into choosing a credit card processing app — the cost, of course, as well as features. Our primary criteria, the non-negotiable elements, were that the app was a true app, something available on a tablet (and ideally a smartphone), and that it had a built-in payment processing option offered by default. A couple apps on this list do allow you the choice of integrating your own processor, though you should make sure the rates are competitive if the app charges any additional fees.

Additionally, we narrowed down the options based on whether the apps offered features essential for quick-serve businesses like cafes and ice cream parlors to function. There’s no one-size-fits-all approach, but there are some core themes to look out for. Check out feature comparison chart below for more information, or read on for our top picks for credit card processing apps!

Toast POS

toast pos reviewToast is an award-winning POS targeting all sorts of restaurants, including quick-serve businesses. It runs exclusively on Android tablets, with an intuitive user interface. It’s definitely feature-rich, with several add-on programs you can opt for (inventory, loyalty, online ordering), making Toast even more functional.

Toast only allows you to use its processing services, and your rates will vary. Plans start at $79/month and allow you up to 2 registers; with higher-tier plans (starting at $99/month), you get unlimited registers. It’s also worth noting that Toast, like Square and PayPal, requires you to use its processing services, and your rates will vary.

Breadcrumb POS

Whereas Toast is entirely Android-based, Breadcrumb POS is an iPad-exclusive system that works as part of Upserve’s larger restaurant management ecosystem. Feature-rich and designed to accommodate many types of businesses, Breadcrumb even integrates with GrubHub for online ordering and delivery.

Breadcrumb’s payment processing arm offers interchange-plus plans for merchants: you’ll pay interchange rates plus a $0.15 fee per each transaction. For very small-value tickets, this could wind up being more expensive than a percentage-based transaction, which is worth taking note of. However, an interchange-plus plan on a month-to-month contract is a good deal.

Breadcrumb’s monthly service fee might make to think twice compared to some of the other options on this list, but the value of the features you get is absolutely worth considering. The Core plan will start you at $99/month, with the mid-tier plan starting at $249.


Square business model and mobile credit card processingSquare‘s free mPOS app, Point of Sale, remains hugely popular with all kinds of businesses. But with its inventory management and reporting, as well as custom tipping features, it has the core features most bakeries, cafes, and other quick-serve businesses need to thrive — plus multiple add-ons (such as loyalty and payroll) to make management even easier. The eCommerce integration even allows people to place orders online and pick them up in person, and there’s a delivery system through Caviar.

Without a doubt, one of Square’s biggest draws is its clear, transparent pricing. A solid 2.75% per swipe is very reasonable and the lack of a per-transaction fee keeps the costs down for businesses with low ticket values. There are no mandatory monthly fees, either — you pay only for the transactions you process, and any add-on services you opt into.

PayPal Here

PayPal Here review: One of the top Square alternativesPayPal’s mPOS solution, PayPal Here, isn’t quite as robust as the full-fledged POS systems that PayPal also integrates with. But it’s a highly mobile app available on multiple platforms, including Windows devices. The app doesn’t have a glut of features the way Square does, but it has all the essentials, from tipping to discounts.

Like Square, one of the big draws — especially if you have a small average ticket size — is its pricing: 2.7% per swipe, with no monthly fees. PayPal’s easy integration with all sorts of eCommerce services and instant access to funds also tend to be big draws for merchants.


Rather than build a solution that appeals to businesses of all sizes, ShopKeep opted to tailor its POS software to small and medium-sized businesses, a decision that continues to define its capabilities. However, the company does cater to small and medium businesses in a variety of industries, including quick-serve businesses.

Feature rich and highly intuitive, ShopKeep even offers advanced inventory and timekeeping at no extra charge, which definitely adds to the value.

ShopKeep’s payment processing arm offers interchange-plus plans based on your monthly volume, which means possible per-transaction fees. ShopKeep charges $69/month per register, but has no contracts or other monthly fees, all of which are a great deal for merchants.

Must-Have Features for Quick-Serve Businesses

Apart from being a tablet app with integrated processing, I looked at some other features in creating my list. Menu creation is important — and while variants are great, the presence of categories and add-ons was more important. Tipping, kitchen receipt printing, and location management also merited consideration. Check out the table below for detailed information.

Toast Breadcrumb reviewBreadcrumb Square for retail review logo imageSquare PayPal Here Shopkeep
Integrated Processing Yes Yes (other options available) Yes Yes Yes (other options available)
Processing Rates (for most swiped/dipped transactions) varies interchange + $0.15 2.75% 2.70% Interchange-Plus based on volume
Monthly Fee $79 and up $99 and up $0 $0 $69 per register
Number of Devices 1-2 for base plan, unlimited for higher plans 1 ($50/additional) Unlimited Unlimited 1 (additional registers $69/month)
Tablet Support Android Apple Apple, Android Apple, Android, Windows Apple
Smartphone support N/A N/A Apple, Android Apple, Android, Windows N/A
Email/SMS Receipts Email/SMS Email Only Email/SMS Email/SMS Email Only
Receipt Printer Connectivity LAN Wi-Fi, Ethernet Bluetooth, Ethernet, USB Bluetooth, LAN, Wireless Bluetooth, Ethernet
Cash Drawer Connectivity Yes Yes (With Printer Connectivity) Yes (Tablet Only, With Printer Connectivity) Yes (With Star Printer Connectivity) Yes (With Printer Connectivity)
Split Tender Yes Yes Yes Yes Yes
Offline Processing Mode Yes Yes Yes No No
Sub-User/Employee Accounts Yes (free) Yes (free) Yes (monthly fee) Yes (free) Yes (free)
Tips by $ or % No (By % only) No (By % only) Yes Yes Yes
Add Tip after Signing Yes Yes Yes (iPad only) No Yes
Customizable Receipts Yes Yes Yes Yes Yes
Kitchen Ticket Printing Yes Yes Yes (iPad only) No Yes
Multi-location management Yes Yes Yes No Yes
Bulk Item/Menu Upload No Yes Yes No Yes
Item Counts With Inventory add-on Yes Yes No Yes
Item Add-Ons/Modifiers Yes Yes Yes Yes Yes
Item Photo No No Yes Yes No
Create Item from App or Dashboard Yes Yes Yes Yes Yes
Item Grouping/Sub-categories Yes Yes Yes Yes Yes

You can also browse our restaurant POS software and mobile payments categories for more solutions!

Final Thoughts

There’s never one right answer to the question “which software is right for me?” The best we can do is say “This is a good choice for lots of businesses” and explain the caveats. As far as credit card processing apps for quick-serve businesses, you need to have a firm number in mind for how much you’re willing to pay, and know which features or abilities the app must have, and go from. Our top picks — Toast, Breadcrumb, Square, PayPal Here, and ShopKeep are all targeted at the industry and so they do have some similarities and core capabilities. But you’ll also find major differences in costs and some features (inventory being a noteworthy one). So know what you need and make sure the system you choose fulfills those basic requirements.

As always, thanks for reading! If you’ve got questions, we’d love to help you out. Check our comment guidelines and leave us a comment!

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The Best Credit Card Processing Apps For Mobile And Service Businesses


Being able to take payments on the go without having to jump through five million hoops is crucial for mobile businesses, whether you’re a service business that visits customers at home or just a small business without a permanent storefront. That’s where credit card processing apps come in: Combining integrated payments and feature-rich POS systems that run on smartphones and tablets, they’re designed to operate anywhere you can get a cellular or Wi-Fi signal.

We took a look at the most promising credit card processing apps for mobile and service businesses, comparing their features as well as their processing rates. Then, we compiled the best options into a list!

Choosing the Best App Features for Mobile & Service Businesses

If your business is primarily service-based or you tend to do more pop-up sales and events than deal with retail storefronts, you probably don’t need (or want) a whole lot of hardware. What you do need is an EMV-friendly reader and a smartphone or tablet to run the system from.

We used two primary criteria in deciding this list: first, the product has to have integrated payment processing, and the app must be available on a tablet (preferably a smartphone as well).

While hardware may not be a priority, knowing which systems can work as a countertop system as well as mobile is helpful. Invoicing, virtual terminals, solid sales tax management, and decent item libraries were also factors. Take a look at our comprehensive comparison chart to figure out which system might work best for your particular needs.

Square for retail review logo imageSquare PayPal Here Shopify Payline Mobile SumUp
Integrated Processing Yes Yes Yes (Other options available) Yes Yes
Processing Rates (for most swiped/dipped transactions) 2.75% 2.70% 2.70% Interchange + 0.5% or 0.3% 2.75%
Monthly Fee $0 $0 Plans start at $9/month $0 / $9.95 $0
Number of Devices Unlimited Unlimited Unlimited Unlimited 1
Tablet Support Apple, Android Apple, Android, Windows Apple, Android Apple, Android Apple, Android
Smartphone Support Apple, Android Apple, Android, Windows Apple, Android Apple, Android Apple, Android
Email/SMS Receipts Email/SMS Email/SMS Email Only Yes Email/SMS
Receipt Printer Connectivity Bluetooth, Ethernet, USB Bluetooth, LAN, Wireless Bluetooth, USB, LAN No Bluetooth, LAN
Cash Drawer Connectivity Yes (Tablet Only, With Printer Connectivity) Yes (With Star Printer Connectivity) Yes (iPad Only, with Printer Connectivity) No Yes (with Printer Connectivity)
Split Tender Yes Yes Yes Yes No
Offline Processing Mode Yes No Very Limited No No
Full and Partial Returns Yes Yes Yes (including store credit) Yes Full Only
Sub-User/Employee Accounts Yes (monthly fee) Yes (free) Yes (PINS/accounts) Yes Yes (Limited)
Discounts by $ or % Yes Yes Yes Yes No
Tipping by $ or % Yes Yes No Yes Yes
Multiple Tax Rates Yes Yes Yes Yes Yes
Adjust Tax Rates In-App Yes Yes Yes Yes Yes
Customizable Receipts Yes Yes Yes Yes No
Generate Invoices Yes Yes Yes No No
Virtual Terminal Yes Yes (monthly fee) No Yes Yes
Bulk Item Upload Yes No Yes No No
Item Counts Yes No Yes No No
Item Variants Yes Yes Yes No Yes
Item Add-ons Yes Yes No No No
Item Categories Yes Yes Yes No Yes
Item Photo Yes Yes Yes Yes Yes
Create Item from App or Dashboard Yes Yes Yes Yes No (App Only)

You can check out our reviews of each service for more information about features, user experience, and more.


Square business model and mobile credit card processingSquare made its name with a mobile processing service that anyone could use, and while the company is definitely catering to larger entities these days, small and mobile businesses still make up a good portion of Square’s merchants. Square’s totally free processing app makes it easy to create an item library of physical products as well as services.

Square’s tax rate settings are easily adjustable from within the mobile app and you can pre-program different rates if you find yourself flipping between different locations often.

In addition, Square offers invoicing, recurring invoicing/storing cards on file, and a free virtual terminal. You can even integrate Square’s appointment booking software seamlessly.

Square will charge you 2.75% per swiped transaction, but invoicing will run you 2.9% + $0.30, and virtual terminal transactions will cost you 3.5% + $0.15.

PayPal Here

PayPal Here review: One of the top Square alternativesPayPal Here is another staple of mobile businesses with a free mobile app. PayPal has the advantage of massive eCommerce support as well as a solid mPOS so you can seamlessly blend different aspects of your business. Plus, your funds are available almost instantly in your PayPal account, and with the PayPal debit card, you can spend them anywhere. The free mobile app isn’t quite as feature-rich as Square’s, but it’s highly capable.

You’ll also find PayPal Here’s tax settings are adjustable within the app and you can easily accommodate different sales tax rates. Like Square, you get free in-app invoicing. However, if you are looking for a virtual terminal or recurring billing, they’re going to run you an additional $30 and $10 per month, respectively, which is a fairly high price tag.

You’ll pay 2.7% per transaction in the app, whereas invoices will run you 2.9% + $0.30. Virtual terminal transactions (not counting the monthly fee) cost 3.1% + $0.15.


Shopify started out as just an eCommerce offering but it’s expanded into a multi-channel solution for business. You can get Shopify’s Point of Sale app for as little as $9/month with the Lite plan, or you can upgrade to a countertop-friendly version with the Retail package, and even add on integrations for appointment booking. However, if you don’t /need/ a receipt printer or cash drawer and don’t sell through your own site online, the Lite plan will absolutely get you through.

Shopify isn’t the most advanced credit card processing app out there — for example, it doesn’t support tipping — but overall it has most of the features mobile and service-based businesses need, and its integration with the eCommerce tools is definitely an asset. It even allows invoicing.

Shopify allows you to set a tax rate for a shop location and create overrides and exemptions. One thing I do like that I don’t often see in these sorts of apps is tax rates based on GPS location, which eases the burden on you considerably.

For Shopify Payments (the default processing method), you’re going to pay 2.7% per transaction to start out, though if you opt for the higher-tiered plans you’ll see some savings.

Payline Mobile

Payline is one of our favorite merchant account providers, and we like their mobile solution because it’s available independently of the other offerings and suitable for low-volume businesses, which isn’t common with traditional merchant accounts.

The app is overall solid, with inventory features, tipping, and discounts. While there’s no invoicing feature, the mobile plans do offer access to a virtual terminal. The app is also designed for mobile use only: it doesn’t support retail/countertop processing features like cash drawers or receipt printers. However, Payline supports multiple tax rates for different items as well as a master tax rate for checkout, depending on your needs.

Payline’s mobile products offer interchange-plus pricing, too: the Start plan (formerly Spark Plan) will charge you 0.5% over interchange plus $0.20 per transaction with no monthly fee; the Surge plan charges a 0.3% markup plus $0.20, with a $9.95 monthly fee. The $0.20 per-transaction fee is a little high, but doesn’t put Payline Mobile in the realm of unreasonable pricing. However, it does mean businesses with larger ticket sizes will feel the effects of that per-transaction fee less.

Spark Pay

Capital One’s mobile processing solution Spark Pay is part of the larger “Spark” line of businesses solutions, which includes a fairly advanced online store. However, despite that, Spark Pay the mobile app stands alone, with no integrations.

It has all the major features a merchant would need — tipping, custom discounts, an item library, and support for a countertop setup. Unfortunately, there’s no invoicing, and Spark Pay’s virtual terminal is only in beta mode. You can only set one tax rate in the app as well. However, the major shortcoming is simply that while Spark Pay does offer EMV terminals, there’s not currently an EMV-compliant mobile reader, something that all the other options here do offer.

That said, Spark Pay does offer great customer service, and its pricing is competitive. On the Go plan, there’s no monthly fee and transactions cost 2.65% + $0.05. The Pro plan has a $19 monthly fee, but your rates drop to 1.99% + $0.05.


SumUp has been operating in Europe for several years now, but it’s only reached the US in the past year, which definitely makes it the newcomer. The app is overall solid, though more limited than the others on this list.

You do get a free mobile app and free virtual terminal, as well as a fairly unique tool: SMS payments where customers can complete a transaction by opening a link sent through text message.

However, you can only process on one device at a time, so while you can create sub-user accounts, there’s not much of a benefit. SumUp does support multiple tax rates, but tax rates can’t be deleted when they are associated with an item. You’ll have to delete the item first.

The lack of discounts and the ability to make some changes through the dashboard are a bit disappointing — but the fact that you can manage everything from within the app is a major improvement over a platform like Clover Go, which requires you to make many adjustments in the web dashboard.

There are no recurring billing or card-on-file options, though, and no invoicing, either. That said, SumUp charges a simple 2.75% per transaction, and 2.9% + $0.15 for virtual terminal and SMS payments, with no monthly fee.

Final Thoughts

I’m usually pretty hesitant to recommend one product above all others without consideration of the differences from one business to the next. And that’s true here. If you really only have simple needs, any of the options on this list will serve you well. As your needs get more advanced, it’s definitely worth looking at more advanced setups such as Square or PayPal Here. And as always, the price is a major consideration. Make sure you run the numbers and are confident the rates you will pay are competitive.

The good news is that all of these services have a no-monthly-fee option so you can try them out with no risk. I encourage you to check out our complete reviews of any credit card processing app you’re interested in pursuing. And if you have questions, I encourage you to reach out. We’re always here to help, so feel free to leave us a comment!

The post The Best Credit Card Processing Apps For Mobile And Service Businesses appeared first on Merchant Maverick.


How To Identify The Pricing Model On Your Processing Statement

Credit Card Processing Statement image

“It’s 11 o’clock. Do you know where your children are?”

This was a popular PSA broadcasted to parents in the ’70s and ’80s, back when “stranger danger” was just about the scariest thing out there. Now, I have an equally important PSA for small business owners: “You have your processing statement. Do you know your pricing model?”

The ability to recognize merchant account pricing models (and, most importantly, which one you have) is a crucial step toward understanding your statement, as well as increasing your overall merchant-savvy. We’ve found that many merchants recognize the rates and fees they were quoted for processing, but without any broader context of which pricing model they have. This makes deciphering an already-confusing card processing statement all the more difficult, and makes discerning whether you’re paying too much nearly impossible.

Starting with a statement and working backward to an accurate understanding of how your quoted rates actually kick in is maybe not the ideal introduction to pricing models. Yet, this is most often the way things go, and I’m not surprised. No one goes to “merchant account school” for this stuff, and account providers vary widely in both their skill and willingness to thoroughly explain pricing.

The good news is that small business owners are no strangers to learning on the fly. So, grab a statement or two, and let’s get cracking!

A Quick Primer On Pricing

In broad strokes, the main pricing models are differentiated by the way your merchant account provider handles the wholesale cost of processing (what it must pay to other entities in the processing chain) versus its own markup. There are two separate types of wholesale costs — interchange fees and card association fees — but the differences between pricing models mostly center around how interchange fees are handled.

You’re probably already aware of the vast variety of credit and debit cards in circulation. Each type of card has its own pre-set interchange cost (a percentage of the sale and sometimes a per-transaction fee) that all merchant account providers must pay to the card-issuing bank when that particular card type is used. Over the years, the main merchant account pricing models have developed based on two possible ways of dealing with these wholesale interchange costs:

  1. Pass the interchange costs directly to the merchant and also charge a separate “low” markup.
  2. Blend the interchange costs into one or more “high” overall rates for the merchant that already include a markup.

I’m putting “low” and “high” in quotation marks because we recognize they’re super-relative terms. Not to mention, the exact amount of your rate is only one piece of the puzzle. As a helpful simplification going forward, you can think of “low” as well under 1%, and high as over 1% (often at least 2%, or even much more). The important thing to remember is that a low rate may not include interchange already (look for those costs listed separately), while a high rate likely does.

The “Big Four” Models

The most common pricing models are interchange-plus, membership, flat-rate, and tiered. For more background on the models, check out these helpful articles:

  • Trading Ease For Transparency With Interchange-Plus
  • Tiered Pricing: The Epic Fail Of A Pricing Model
  • Get A 0% Interchange-Plus Markup With Membership Fee Pricing
  • Analyzing The Cost-Effectiveness of Square’s Mobile Processing Solution (flat-rate pricing)

If you’re still a bit foggy on the differences, that’s okay. For now, you can start with your statement and work toward a better understanding of merchant account pricing as a whole. We’ll get there!

Good Indicators, But Not Guarantees

While each pricing model leaves tell-tale signs on a statement, it’s important to note that no “standard” indicator is necessarily a guarantee. Think of the indicators we’ll discuss as good clues, or important signs. In truth, processors may include red herrings in their statements, or invent their own strange hybrid systems. Fortunately, most stick fairly closely to the main pricing models.

Now, we’re finally ready to look at the four main pricing models and their most common statement indicators. The more indicators for a certain model on your statement, the better the odds that’s the model you have. I’ll be using a few snippets of statements as examples, but note that any interchange rates listed are not necessarily the current values. Some of the statements are older. In any case, your statement will never match these completely. No two processors display this stuff in the same way.

Interchange-Plus / Cost-Plus Pricing

All things being equal, interchange-plus statements are the most difficult to read. The big payoff is that you clearly see the difference between wholesale costs and your account provider’s markup on your statements. In this model, the rate you were quoted was just the markup piece — the “plus” in “interchange-plus.” In other words, interchange fees and your account provider’s markup are charged separately. Typically, interchange-plus plans charge both a percentage markup and a flat, per-transaction markup. Here’s what you’ll likely see on your statement:

  • Itemized Interchange Rates: 

    Example A: One small section of a long list of interchange rates. Note that each type of card is charged its own pre-set rate, and passed through to the merchant.

  • Consistent “Low” Percentage Markup: Charged separately from interchange fees.

Example B: Consistent markup of 0.40% listed after each card type’s itemized list of interchange fees. All transactions/card types have the same 0.40% markup.

Example C: In the “Rate” column, a consistent 0.31% markup is shown directly above the itemized interchange rate for each type of card/transaction.

  • Consistent Transaction Fee Markup: This per-transaction markup may be found in the same line items as the percentage markups, or down in a separate “authorization” section.

    Example D: Along with a consistent 0.10% markup across the board (Disc %), there’s a consistent $0.10 transaction fee markup (Disc P/I) for all card/transaction types.

Subscription / Membership Pricing

Membership pricing is sort of a riff on interchange-plus. The wholesale interchange rates are still charged separately from the account provider’s markup. The difference is that the markup comes in the form of one flat monthly subscription fee, and also a small, per-transaction markup. No percentage markup is charged. Here are the main statement indicators of subscription pricing:

  • Itemized Interchange Rates: Similar to Example A above.
  • Consistent Transaction Fee Markup: See Example E below.
  • No Percentage Markup: See Example E below. Note that percentages will still be part of itemized interchange rates (not shown below), but no separate percentage markup is present.

Example E: Consistent $0.11 “Item Rate” charged on all card/transaction types. No “Disc Rate” % markup. This account had a membership fee of $120/month (not pictured).  Interchange rates were itemized separately (not pictured).

Flat-Rate / Blended Pricing

This is the model most commonly offered by third-party payment facilitators (a.k.a. PSPs, merchant aggregators) like PayPal, Stripe, and Square. Occasionally, traditional merchant account providers use it as well. In this all-inclusive model, wholesale charges and the processor’s markup are all blended together into your one, flat processing rate. If a per-transaction fee is part of your rate, this also goes toward covering your provider’s wholesale costs plus any profit margin. Your flat rate covers all types of transactions, from inexpensive signature debit transactions, all the way to expensive business rewards cards. You’ll typically observe:

  • No Itemized Interchange Rates: Your statement is quite simple, but you can’t see the actual wholesale cost behind any of your transactions.
  • Consistent “High” Rate: If any rate is displayed at all, it’s usually just one main rate in the high 2% to mid-3% range, and sometimes you’ll see a per-transaction fee as well. Note that some PSPs charge a couple different high rates based on the type of transactions you run (i.e., keyed or ecommmerce vs. swiped/dipped.)

Tiered / Bundled Pricing

This is another case where you can’t see the itemized interchange rates separate from your processor’s markup on your statement. Instead, your transactions are first grouped into tiers according to the processor’s pre-set criteria. Each group (tier) is then charged a flat rate that already includes the interchange costs for those transactions. If you’ve got a tiered plan but have only been quoted one rate, it’s typically the rate for transactions that fall under the lowest, “qualified” tier. In reality, some transactions may be downgraded to higher priced tiers (mid-qualified and non-qualified). You have no real way of predicting these downgrades ahead of time. Here’s what you’d see:

  • No Itemized Interchange Rates: You generally won’t see a list of interchange charges–because why list them if they’re already blended into your tiered rates?
  • Qualified, Mid-Qualified, Non-Qualified Labels: Any line items with any of these labels (or similar-looking abbreviations) is your biggest clue.

Example F: Transactions are charged 1.75%, 2.75% or 3.25% depending on the tier

  • Multiple Rates, Usually “High”: By definition, a tiered program must have at least two rate levels or tiers shown on the statement. The standard model is three levels: qualified (lowest), mid-qualified (middle), and non-qualified (highest). Note that some providers may create a separate set of three tiers for debit transactions, because these wholesale debit costs are cheaper. The bottom levels of a signature debit tier can actually be “low” (well under 1%) and still account for the interchange cost or act as a loss leader. You’ll need to be sure that there are no other higher rates charged on your statement (and examine other indicators) before you can assume your “low” rate means you’re on interchange-plus! On the other hand, all credit card tiers will likely be well over 1% and in the “high” category, so look for those as a better indicator. When you’re looking for multiple rates on your statement, the mid and non-qualified transactions may be listed right next to the qualified ones, or may be shown as separate surcharges later in the statement (like in Example H below).

Example G: Two “high” rates are charged, 1.75% + $0.10 for credit, and 1.21% + $ 0.20 for debit. These are the two qualified tiers of this plan.

Example H: In the same statement as above, we find a surcharge section. Twenty-two transactions were downgraded to non-qualified (amounting to an extra 2%) and 30 to mid-qualified (an extra 1.47%). Multiple rates for multiple tiers at play!

Final Thoughts

Did you recognize your own pricing model among these main four types? If you made it this far with your statement, I hope you’ve at least developed a strong hunch. While each model has its merits for different situations, you can probably tell we prefer the inherent transparency and comparability of models that separate out the interchange costs from the account provider’s markup. By the same token, we have a hard time getting behind the unpredictable downgrading and surcharging of tiered pricing. I’d encourage you to check out our top merchant account providers if you’re looking for a fresh start. All of them offer transparent interchange-plus or subscription pricing plans.

Parents of the 70s and 80s feared “stranger danger” above all else, but my biggest fear for merchants is that they pay too much or even get scammed because they don’t have a solid understanding of their processing statements. Knowing and recognizing your pricing model is one of your best protections as a merchant. If you’re still unsure about yours, drop us a line and we’ll see if we can help!

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