Merchant accounts for growing businesses
A dedicated merchant account can mean lower, negotiated rates and a more stable account than shared platforms like Stripe or Square. Here's how they work and how to compare offers.
Payment facilitator vs. merchant account
What a merchant account costs
You'll pay interchange and card network fees (the same for every provider), plus the provider's markup. Depending on the provider, you may also see monthly account or gateway fees, PCI compliance fees, chargeback fees and, for high-risk accounts, a rolling reserve.
The best way to compare offers is your effective rate: total fees divided by total card sales. Ask every provider to quote the same monthly volume and average ticket.
How card fees work →Before you sign
Get quotes in three steps
Merchant accounts for high-risk and everyday businesses, with a payments specialist reviewing every application. Free to apply.
Apply free with ZeylaRead our Zeyla review →PaymentNinja may earn a referral fee if you apply. Disclosure
Get matched with the right processor
Two quick steps. We'll share your request with processing partners that fit your industry and volume, including high-risk specialists.