<img class="wp-image-10013 alignright" src="https://itxdesign.com/wp-content/uploads/2016/02/mobilepayments.jpg" alt="credit card payment processing" width="261" height="261" />As a small business, you want to be able to process your transactions efficiently and access your money fast. There are a ton of credit card and electronic payment processing tools available for small businesses, but only a few deserve your attention. We did the research for you, so here are the top 5 credit card payment processing tools for small business!
<h3>Top 5 Credit Card Payment Processing Tools</h3>
<h2>1. <a href="https://squareup.com" target="_blank">Square</a></h2>
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<ul>
	<li>2.75% transaction fee</li>
	<li>Mobile, online, and POS credit card processing</li>
	<li>Phone support available during business hours</li>
</ul>
Square is our favorite payment processing tool. The app is beautifully designed, clean, and simple. There's no merchant account required with Square, so you can begin processing right away with no credit checks. Square has a flat transaction fee of 2.75% of your purchase.

Their new instant deposit option makes it possible to instantly deposit funds into your checking account. There's an additional 1% fee for instant deposit transactions. Support is only available during business hours, which can be problematic if you run into a problem in the middle of the night.
<h2>2. <a href="https://paypal.com" target="_blank">Paypal</a></h2>
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<ul>
	<li>2.2-2.9%+ $.30 transaction fee, based on volume</li>
	<li>Mobile, online and POS credit card processing</li>
	<li>24/7 phone + email support</li>
</ul>
You probably understand how important <a href="http://serversitters.com" target="_blank">24/7 technical support</a> is, and PayPal stands out from other mobile payment processing tools because they offer it. Paypal fees are higher and less simple than Square's, which is why we put them in the number two spot.

Merchants everywhere accept Paypal. There is no instant deposit option available and funds take 3-5 business days to deposit in your checking account.
<h2>3. <a href="https://payments.amazon.com/merchant" target="_blank">Amazon Payments</a></h2>
<ul>
	<li>2.9% + $.30 transaction fee</li>
	<li>Mobile and online credit card processing</li>
	<li>24/7 phone + live chat support</li>
</ul>
Amazon Payments allows you to accept credit card payments from customers around the world. The transaction fee is on the high end, and increases for international transactions. Amazon Payments allows you to accept mobile and online credit card payments.

One of the coolest features Amazon Payments offers is the 24/7 support, including the useful <a href="https://www.conversational.com/live-chat-lead-generation-grow-your-business-faster-starting-today/" target="_blank">live chat</a> option.
<h2>4. <a href="https://www.nextpay.com/" target="_blank">NextPay</a></h2>
<ul>
	<li>$.45 per transaction</li>
	<li>Mobile and online payment processing</li>
	<li>24/7 billing support</li>
</ul>
NextPay has a flat rate transaction fee of $.45, but sneaks in some other hidden fees, like a monthly maintenance fee of $15 and a one time setup fee of $70. However, you get discounted rates on Visa, AmEx, JCB, Discover, and Dinners.

Accept email payments, set up subscription billing, process other currencies, set up API integration and take advantage of the advanced anti-fraud system to protect you and your customers.
<h2>5. <a href="https://stripe.com" target="_blank">Stripe</a></h2>
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<ul>
	<li>2.9 percent + 30 cents per transaction</li>
	<li>Online and mobile credit card processing</li>
	<li>E-mail support</li>
</ul>
Stripe lets you set up and start accepting payments right away, with no merchant account required. It's fees are the same as Amazon Payment and the high end of Paypal. Only email support is offered, which is unfortunate.

You can process mobile and online transactions using Stripe. It's consistently rated in the top 5 credit card payment processing tools.

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