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 your business has any hope of succeeding, you absolutely must be able to accept credit card payments from your customers. Unfortunately, access to credit card processing services has traditionally been complicated, time-consuming and costly. Luckily, thanks to sites like MerchantExpress.com, that's no longer the case.

• Free setup.
• Point of sale terminals starting at just $99.
• 30-day risk free trial.

This site offered comprehensive credit card processing services at affordable prices, and you really can't beat the 24-48 hour setup the company promises. Add that to the fact that they offer a 30-day free trial and it's not hard to see why Merchant Accounts Express is growing by leaps and bounds.

While the payment gateway fee was a bit higher than the competition in most cases, we found the actually percentage charged on each transaction to be a bit lower than most. If you process a large amount of credit card transactions each month, this could weigh out in your favor in the end.

With its free trial offer, variety of features and competitive pricing, we definitely think MerchantExpress.com is a credit card processing service worth considering. They earn 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!