A merchant account allows you to accept payment from customers through credit cards and debit cards. A third party transmits credit card best payment gateway for high risk business information to the merchant account provider and makes money by charging on a per transaction basis. There is no one best merchant account provider; but, there are few who belong the top providers.

Here are some best merchant account providers:


A high risk merchant account provider, which offers third party services, customization and optimization at a low monthly fee of $49. In addition, transaction fees, reserves fees and sign up fees are also applied making Instabill one of the best merchant accounts.


Offers a full range of direct merchant accounts with a large database of merchant account resellers. As an affiliate of e-Commerce websites, credit card processing services are also incorporated.


Offers both hardware and software credit card processing provider with free application fee and set-up.


A US based account provider with rates lower than other account providers. No application, set-up and initial payments; however, transaction fee and monthly fee apply.


It handles various types of e-Commerce business through their different solutions and packages, which suit you best. It has a single 8 percent transaction fee but, no registration and no monthly fees.


A Europe based merchant account provider, CyberBit has all-in-one solution offering gateways, processors, and e-Commerce accounts. Their rates are quite high compared to other providers because of their good service.

To be able to cope with the tough competition, one has to provide numerous choices for the client’s needs. Extra services should be given to keep customers from coming back.