#1 Top-Rated Credit Card Processing Provider 5.0 ★ Google Reviews
Transparent credit card pricing starts here.
Not sure what you’re really paying in processing fees? No confusing statements or surprise charges here. Just clear pricing and real opportunities to help your business keep more of every sale.
Same-day & next-day funding
Get your money deposited faster with same-day and next-day funding available for eligible businesses.
Free terminal equipment programs
Small businesses may qualify to get a free payment terminal or other POS equipment to get started.
PCI-compliant & secure
Advanced fraud protection and PCI-compliant processing protection keep eery transaction safe.
Explore our pricing plans tailored to your business.
We know that small business owners already have so much on their plate. Let us take care of your credit card processing with ease and security.
Traditional pricing
Monthly fees starting at
1.90%
+ $0.10
Cash discount pricing
Zero cost processing
$25
/ month
Your client pays 3.5%
Flat-rate pricing
Rates starting at
2.95%
/ tran.
What you can save with Steer Payments.
Transaction rate
Batch fee
Early termination fee
Monthly minimum
Monthly service fee
Monthly statement fee
PCI non-compliance
Other processors
avg 3.25% + $0.30
$0.10 - $0.30
$295 - $1,000+
$10.00 - $75.00+
$25.00 - $50.00+
$25.00 - $50.00+
$25.00 - $100.00
*Pricing shown is for low risk business accounts. Certain MCC codes may qualify, different rates may apply.
1. Early termination fees may vary on a case-by-case basis. Additional fees may apply for failure to return rented equipment or for breach of the equipment rental agreement.
2. Accounts are required to process a minimum of $25.00 in monthly transaction volume unless otherwise specified for approved seasonal businesses. The monthly minimum fee will be waived if account activity exceeds $25.00 during the billing cycle.
3. All merchants are required to complete an annual PCI compliance questionnaire. The PCI compliance fee will be waived upon successful completion.
Explore some of our hardware and POS solutions tailored to your business.
Explore some of our most popular lineup of hardware and POS solutions designed to keep your business running efficiently. From countertop terminals to mobile payment systems, we provide reliable technology built for seamless transactions and everyday operations.
Tap-to-pay
Turn your compatible smartphone into a tap-to-pay device at no extra cost with most Steer Payment accounts. It’s an easy, reliable way to accept payments on the go or keep transactions running when your business Wi-Fi goes down.
Portable handheld terminal
The Clover Flex 4 is a portable handheld terminal that works as a standalone countertop device or as an add-on to your all-in-one POS system. Ideal for restaurants, retail, and service businesses, it lets staff take orders, accept payments, and serve customers from anywhere.
All-in-one terminal
Explore some of our most popular lineup of hardware and POS solutions designed to keep your business running efficiently. From countertop terminals to mobile payment systems, we provide reliable technology built for seamless transactions and everyday operations.
Credit card processing frequently asked questions.
Answers to the most common questions small business owners have about credit card processing and merchant services.
Businesses should look for transparent pricing, fast funding times, reliable customer support, PCI compliance, fraud protection tools, and flexible contract terms when comparing credit card processing companies. It’s also important to evaluate supported payment methods, POS system integrations, chargeback management features, and whether the provider charges hidden fees, early termination fees, or long-term contracts. The best payment processors help businesses reduce processing costs while providing secure, reliable payment acceptance both in-store and online.
Credit card processing fees typically include interchange fees, assessment fees, payment processor markups, monthly account fees, PCI compliance fees, chargeback fees, and payment gateway costs. Some providers may also charge setup fees, early termination fees, or hardware costs. Businesses should compare processors carefully to ensure transparent pricing and avoid hidden fees that can increase overall processing costs.
Most businesses receive credit card processing payouts within 1–3 business days, although funding times can vary depending on the payment processor, business type, transaction risk level, and banking institution. Some merchant service providers offer next-day funding, while high-risk businesses or ACH transactions may take longer to settle.