Merchant Accounts Express has been able to establish itself as one of the best credit card processing services. They offer one of the lowest discount rates offered for an online business. They also one of the lowest monthly fees. Like other top service providers, they also have 98% approval rating of all their merchant account applicants which is very notable. They offer good internet featurs such as a merchant account, with the Authorize.net payment gateway and a virtual terminal. They also offer a free demo and a shopping cart. They offer a selection between 10 different P.O.S. models for credit card processing at your physical locations. This is commendable when compared to other top services which provide for none to 2 different models only. Account setup time is also 3 days which is more than other top services which do it in a single day. Another negative for the service is its start up cost as $39. There are other top services which do not charge any start up cost.

With those listed negatives, I am compelled to offer it 4 stars rating that too because of it other positives mentioned above.