Finance For Life

5 Cheapest Card Services for Small Businesses

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When running a business, there are lots of little costs that soon add up. For instance, credit card processing can take a big chunk of your money without you even realizing it. However, some providers can offer you better value for your money and keep your transactions easy for your customers. Ideally, you want the best small business payment processor on the market. So, keep reading and discover the five cheapest card services for small businesses.


If you’re looking for a secure card processing service with a guaranteed rate, you definitely need to check out Helcim. Although individual card charges are a little flexible, this excellent provider never increases your rates. But having your rate stay the same for the entire time your account is active with them will help keep your transactions affordable.

In addition, Helcim provides both in-person and online credit processing, so no matter what type of small business you have, they’ll be able to cater to you. They’re also super clear about their pricing, so you’ll always be able to see how much you’re paying about the interchange rate. So, if you’re a small business looking for an affordable credit processor, Helcim will be perfect for you.


Stax is able to process any type of credit card transaction, contactless payments, and even smartphone wallet payments. As a small business, you want your customers to be able to pay in the way that they prefer, so being able to offer them all different types of payment methods will work in your favor.

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Stax also provides a 0% markup on the interchange rates, helping them to be even more transparent with their prices. This affordable price makes them an excellent choice for small businesses, and they even send you a free card terminal when you join them! They’re also available 24/7, so if you run into any problems, you can quickly get in touch with them and resolve the issue at hand.


A lot of small businesses start out taking orders online, so looking for a credit card processing service that works just as well online can be challenging. However, Stripe aims to make it as easy as possible and can provide super-fast online transactions, and offer complete fraud protection as well.

The system takes a little learning at first, but once you get the hang of it, it’s exceptionally user-friendly. Their flat rate applies to any type of credit card, too, so you won’t be penalized if a customer pays with a different kind of card. With a fixed pricing model, Stripe is one of the cheapest credit card processors for small businesses.


Even if you’ve never heard of it, you’ve most likely seen Square in many different businesses. Square is a POS system as well as a credit card processing system, so you can get the best of both worlds in a straightforward processor. As of 2022, Square has over 2 million users, and with its very affordable pricing, it’s easy to see why.

Square won’t charge you anything extra if a customer uses a different type of card, helping you keep costs to a minimum. In addition, their pricing model relies on transparency as they won’t charge you anything extra when you sign up or even cancel. So, if you’re looking for a simple, cheap credit card service, you must check out Square!


One of the most well-known credit card processors is Paypal and for a good reason. They’re actually not just for paying for things online, and many businesses can utilize them for transactions. Paypal is straightforward to set up and doesn’t take a lot of learning either, so you won’t have to try and learn a whole new complicated system.

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Their flat rate of 2.7% makes them a very budget-friendly choice for small businesses, and you’ll be able to save more money in the long run. You may find that your customers are happier to use Paypal as well because they’re already reputable and trustworthy. So, if you want to find a cheap yet well-known credit processor, Paypal could be suitable for you.

Finding the best credit card processor can be challenging, especially when faced with providers that seem to charge loads. However, these five are some of the cheapest you can find, yet they still provide excellent service. Small businesses, in particular, will be looking to reduce costs where they can, so be sure to consider cutting your credit card processing fees. If you’re looking for a way to save money and provide your customers with secure transactions, then be sure to check out the providers on this list. You’ll soon find your outgoings drastically reduced!