It's hard to find credit card processing services that truly understand the needs of today's online businesses. ElectronicTransfer.com doesn't only understand them, but they work hard to serve each and every one of them.

• Free live demo.
• Free shopping cart solutions.
• Free online sales tracking.

From a variety of credit card processing services to free online sales tracking and shopping cart support, ElectronicTransfer.com offers a wide range of valuable tools for online and offline businesses. They even offer ACH check payment services that allow your customers to make check payments online.

As far as monthly fees go, ElectronicTransfer.com offers some of the lowest. They do, however, charge an up front $49 gateway setup fee, which most companies do not. In the long run, however, the lower fees can very well make up for the up front $49 you have to fork over.

Overall, we have to say that ElectronicTransfer.com is definitely a good choice for those who run most of their business online. The sales tracking tools are priceless and the lower monthly fees can really help maximize your bottom line. They earn 5.5 Stars!

If you're tired of losing sales because your business or website doesn't accept credit card payments, Merchant Warehouse may very well be one of the best solutions to your problem.

• Low price guarantee on merchant accounts and equipment.
• Gift card creation and management services.
• 24-hour account approvals.

The company impressed us on so many levels, it's hard to know where to begin. First was the user-friendly website, which many credit card processing companies don't have for some reason. Then there's the huge selection of credit card processing equipment, the choice of four different payment gateways and the company's low-price guarantee, not to mention the fact they do their own underwriting (which means approval in as little as 24 hours) and they have a 99-percent approval rate.

And customer service didn't let us down either. Both email and phone support were very impressive with extraordinary response times and helpful responses. Merchant Warehouse is definitely one of our top picks when it comes to credit card processing websites! StarReviews gives Merchant Warehouse 5.5 Stars!

If you pretty much know your way around the credit card processing world, Cardservice International is probably going to be one of your top picks for online credit card processing. They offer customers the ability to accept major credit cards, e-checks, ATM and debit cards and you can even use their services to create a gift card program. It's definitely a comprehensive solution to your payment processing needs.

• Lifetime guarantee on all credit card processing terminals.
• Accounts for retail establishments.
• Special services for eBay sellers.

That being said, they might be a bit complicated for the novice business owner. If you aren't familiar with how payment processing services work, this company's services may be a bit overwhelming and you might need some assistance in actually getting them implemented. They're also a bit more expensive than some of the other sites that are better suited to small-business credit card processing needs.

If, however, you have a mid to large-sized business that needs a flexible and comprehensive payment processing solution, this is the place to be. They earn 5.0 Stars!

So many sites claim that their credit card processing services are affordable, but then you get hit with application fees and setup charges and before you know it you've spent hundreds of dollars. Charge.com is one of the exceptions. The company doesn't charge any application fees whatsoever (even though they provided very fast application processing times) and setup fees are nonexistent. Why spend hundreds of dollars getting your credit card processing set up when you can spend $0?

• Same-day approvals available.
• $0 start-up costs.
• Free e-commerce shopping cart for your website.

We also liked the variety of processing methods the service supports. Whether you need to accept credit cards via the Web or in a brick-and-mortar store, Charge.com has a solution to meet your needs. They even offer wireless credit card terminals for credit card payments on the go.

And Charge.com's customer service can't be beat. Both phone and email support were extremely prompt with their responses and provided us with helpful and in-depth answers to our questions.

We must admit we were quite impressed with this company, even if their monthly fees are a bit on the high side. We give them 5.0 Stars!