{"id":39727,"date":"2022-08-23T08:04:59","date_gmt":"2022-08-23T15:04:59","guid":{"rendered":"https:\/\/birdeye.com\/blog\/?p=39727"},"modified":"2024-02-02T14:32:12","modified_gmt":"2024-02-02T22:32:12","slug":"credit-card-processing-for-small-businesses","status":"publish","type":"post","link":"https:\/\/birdeye.com\/blog\/credit-card-processing-for-small-businesses\/","title":{"rendered":"Credit card processing for small businesses"},"content":{"rendered":"\n<p>According to the National Retail Federation, 83% of consumers say convenience is an important part of the shopping experience. A big part of that convenience has to do with easy <a href=\"https:\/\/birdeye.com\/payments\/\">payment<\/a> options. This is why credit card processing for small businesses is so important. However, choosing a provider that best fits your business needs can be challenging.&nbsp;&nbsp;<\/p>\n\n\n\n<p>In this article, we\u2019ll talk about what credit card processing is, how it can benefit small businesses, and what to look for in a credit card processing provider.<\/p>\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2>Table of contents<\/h2><ul><li><a href=\"#h-what-is-credit-card-processing\" data-level=\"2\">What is credit card processing?<\/a><\/li><li><a href=\"#h-why-is-credit-card-processing-important-for-small-businesses\" data-level=\"2\">Why is credit card processing important for small businesses?<\/a><\/li><li><a href=\"#h-how-does-credit-card-processing-work\" data-level=\"2\">How does credit card processing work?<\/a><\/li><li><a href=\"#h-types-of-credit-card-processing-fees\" data-level=\"2\">Types of credit card processing fees<\/a><\/li><li><a href=\"#h-benefits-of-credit-card-processing-for-a-small-business\" data-level=\"2\">Benefits of credit card processing for a small business<\/a><ul><li><a href=\"#h-customer-insights\" data-level=\"3\">Customer insights<\/a><\/li><li><a href=\"#h-security\" data-level=\"3\">Security<\/a><\/li><li><a href=\"#h-customer-loyalty\" data-level=\"3\">Customer loyalty<\/a><\/li><\/ul><\/li><li><a href=\"#h-choosing-the-best-credit-card-processing-provider\" data-level=\"2\">Choosing the best credit card processing provider<\/a><\/li><li><a href=\"#h-best-credit-card-processing-companies\" data-level=\"2\">Best credit card processing companies<\/a><ul><li><a href=\"#h-stripe\" data-level=\"3\">Stripe<\/a><\/li><li><a href=\"#h-square\" data-level=\"3\">Square<\/a><\/li><li><a href=\"#h-paypal\" data-level=\"3\">PayPal<\/a><\/li><\/ul><\/li><li><a href=\"#h-frequently-asked-questions-about-credit-card-processing\" data-level=\"2\">Frequently asked questions about Credit card processing<\/a><\/li><li><a href=\"#h-make-shopping-easier-with-birdeye-payments\" data-level=\"2\">Make shopping easier with Birdeye Payments<\/a><\/li><\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-credit-card-processing\">What is credit card processing?<\/h2>\n\n\n\n<p>Credit card processing is technology and systems that let businesses accept credit and debit card payments from their customers. Typically, there are two parts involved in this process.&nbsp;<br><\/p>\n\n\n\n<p>First, you\u2019ll need the hardware to swipe the cards, like a <a href=\"https:\/\/birdeye.com\/blog\/upgrade-credit-card-terminal\/\">credit card terminal<\/a> or a point-of-sale (POS) card reader. If you\u2019re an online business, customers will add their own credit card information directly on your website. Next, you\u2019ll need software to process the transaction, which typically includes a payment gateway and a payment processor.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-is-credit-card-processing-important-for-small-businesses\">Why is credit card processing important for small businesses?<\/h2>\n\n\n\n<p><a href=\"https:\/\/shiftprocessing.com\/cash-vs-credit-card-spending-statistics\/#:~:text=Most%20people%20carry%20less%20than,using%20a%20card%20vs%20cash\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">People will spend 80% more on their purchases<\/a> when credit or debit cards are a payment option. In fact, about<a href=\"https:\/\/spendmenot.com\/blog\/cash-vs-credit-card-spending-statistics\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"> 60% of consumers prefer using their credit cards over cash<\/a> because paying with cards is more convenient. This added convenience improves the overall customer experience and makes credit card processing a vital tool for small businesses.<\/p>\n\n\n\n<p>Credit card processing also provides a safe and quick way for your business to get paid. A cash-only business requires multiple trips to the bank for depositing, and carrying large amounts of cash can be risky. By making this process digital, your business can avoid delays with payment.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-does-credit-card-processing-work\">How does credit card processing work?<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"537\" src=\"https:\/\/birdeye.com\/blog\/wp-content\/uploads\/How-does-credit-card-processing-work_-3-1-1024x537.jpg\" alt=\"Image showing how credit card processing for small businesses works.\" class=\"wp-image-39947\" srcset=\"https:\/\/birdeye.com\/blog\/wp-content\/uploads\/How-does-credit-card-processing-work_-3-1-1024x537.jpg 1024w, https:\/\/birdeye.com\/blog\/wp-content\/uploads\/How-does-credit-card-processing-work_-3-1-300x157.jpg 300w, https:\/\/birdeye.com\/blog\/wp-content\/uploads\/How-does-credit-card-processing-work_-3-1-768x403.jpg 768w, https:\/\/birdeye.com\/blog\/wp-content\/uploads\/How-does-credit-card-processing-work_-3-1-810x425.jpg 810w, https:\/\/birdeye.com\/blog\/wp-content\/uploads\/How-does-credit-card-processing-work_-3-1-1140x598.jpg 1140w, https:\/\/birdeye.com\/blog\/wp-content\/uploads\/How-does-credit-card-processing-work_-3-1.jpg 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>For those unfamiliar, this is a multi-step process. It starts by swiping the customer&#8217;s credit card through a credit card machine or adding credit card information to a website for online purchases. The credit card machine (or website) reads the customer&#8217;s credit card information and sends it to the payment gateway. The <a href=\"https:\/\/birdeye.com\/blog\/website-payment-gateway\/\">payment gateway processes the payment<\/a> and sends it to the merchant account, which is where the funds from the sale are deposited.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-types-of-credit-card-processing-fees\">Types of credit card processing fees<\/h2>\n\n\n\n<p>As a business owner, you know accepting credit cards is the standard these days. What you might not know is how businesses are charged for credit card processing. There are four main types of credit card processing fees:&nbsp;<strong>Interchange fees<\/strong>, <strong>Assessment fees<\/strong>, <strong>Processor markup fees,<\/strong> and <strong>Gateway fees<\/strong>.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Interchange fees<\/strong> are set by the credit card companies and cover the cost of processing the transaction.<\/li>\n\n\n\n<li><strong>Assessment fees<\/strong> are also determined by the credit card companies and go towards things like fraud protection and customer support.<\/li>\n\n\n\n<li><strong>Processor markup fees<\/strong> are set by the credit card processor and cover equipment and software costs.<\/li>\n\n\n\n<li><strong>Gateway fees<\/strong> are set by the gateway provider and cover transaction costs.<\/li>\n<\/ul>\n\n\n\n<p>These fees can certainly add up, so businesses need to keep them in mind when pricing their products or services.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-benefits-of-credit-card-processing-for-a-small-business\">Benefits of credit card processing for a small business<\/h2>\n\n\n\n<p>We know credit card processing for small businesses can make shopping easier because the transactions are quick and easy. However, the benefits don&#8217;t stop there.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-customer-insights\">Customer insights<\/h3>\n\n\n\n<p>Credit card processing makes it easy for businesses to track their sales. In our data-driven world, having insights into customer spending habits is an important part of business growth. Credit card processing provides this information in real-time, which means businesses can make necessary changes to improve their bottom line.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-security\">Security<\/h3>\n\n\n\n<p>There are several security measures in place to protect your business and customers from fraud. For example, businesses that use a payment gateway as part of their payment process know that <a href=\"https:\/\/birdeye.com\/blog\/pci-compliance-requirements-that-every-business-needs-to-understand\/\">credit card data is safe because of mandatory regulations<\/a>. Plus, most credit cards now have chip technology, making it more difficult for criminals to intercept and steal sensitive information sent over networks.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-customer-loyalty\">Customer loyalty<\/h3>\n\n\n\n<p>Businesses now have the option to issue rewards credit cards and build customer loyalty. When customers use their rewards credit cards, they can start racking up points or cash back rewards to use toward future purchases.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-choosing-the-best-credit-card-processing-provider\">Choosing the best credit card processing provider<\/h2>\n\n\n\n<p>To maximize resources, every decision you make for your business must be strategic. Generally, budgets, labor, and time are limited.&nbsp;<\/p>\n\n\n\n<p>Choosing a credit card processing provider is a big part of the payment process. It\u2019s in your business&#8217;s best interest to vet each available option and make a decision that will work best for your goals. Here are some things to keep in mind when deciding on a provider.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Fees:<\/strong> Make sure you understand all the fees associated with credit card processing and compare that to your average sales volume. This will help you to perform a thorough cost analysis to help you decide what you&#8217;re able to spend.<\/li>\n\n\n\n<li><strong>Features:<\/strong> Take a closer look at the features the credit card processing provider offers. For example, if you\u2019re an eCommerce business, <a href=\"https:\/\/birdeye.com\/blog\/payments\/\">mobile payments are a must-have<\/a> \u2013 so a card reader might not be necessary.&nbsp;<\/li>\n\n\n\n<li><strong>Technology:<\/strong> Make sure that any technology needed is user-friendly and works well with the system you already have in place. If you aren&#8217;t tech-savvy, see if the provider can help with setup.&nbsp;<\/li>\n\n\n\n<li><strong>Customer service:<\/strong> Speaking of help, understand how the provider can assist you if you have questions or problems. Do they offer onboarding sessions to get you started? Do they have 24\/7 customer support?&nbsp;<\/li>\n\n\n\n<li><strong>Reviews:<\/strong> We know reviews can help customers, but they&#8217;re also helpful for businesses. Make sure you read <a href=\"https:\/\/birdeye.com\/blog\/review-management\/\">online reviews<\/a> of the credit card processing provider before making your decision. You want to make sure you&#8217;re choosing a reputable company with happy customers.<\/li>\n<\/ul>\n\n\n\n<p>Taking the time to choose the right credit card processing provider will pay off in the long run. Your customers will appreciate the ease and convenience of your payment process, and you&#8217;ll save money on fees and other costs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-best-credit-card-processing-companies\">Best credit card processing companies<\/h2>\n\n\n\n<p>There are several credit card processing companies out there, and the best one for your business will depend on what you need. Some of the most widely-used credit card processing companies include:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-stripe\">Stripe<\/h3>\n\n\n\n<p>Stripe offers a wide range of features and payment options. Their end-to-end data encryption keeps your business and customer data safe and secure. Plus, setup is quick and easy \u2013 which is a big plus if tech isn&#8217;t your thing.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-square\">Square<\/h3>\n\n\n\n<p>Square offers easy-to-use software and quick transaction speed. They also have a wide range of pricing options. With around-the-clock customer support, your questions get answers when you need them.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-paypal\">PayPal<\/h3>\n\n\n\n<p>PayPal is a popular credit card processing service with low fees and secure transactions. In addition, they have relationships with all major credit card companies which gives your customers more options.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-frequently-asked-questions-about-credit-card-processing\">Frequently asked questions about Credit card processing<\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1660850969842\"><strong class=\"schema-faq-question\">What is a payment gateway?<\/strong> <p class=\"schema-faq-answer\">It&#8217;s the technology used to read the customer&#8217;s credit or debit card information during the payment process. It validates that there are enough funds to pay the merchant and then shifts the process to the credit card processor.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1660850986765\"><strong class=\"schema-faq-question\">What is a credit card processor?<\/strong> <p class=\"schema-faq-answer\">Also known as a payment processor, this system connects the merchant&#8217;s account, cardholder&#8217;s bank, and the credit card network to each other. The Payment Card Industry Data Security Standard (PCI DSS) requires credit card processors and merchants to follow strict security standards.<\/p> <\/div> <\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-make-shopping-easier-with-birdeye-payments\">Make shopping easier with Birdeye Payments<\/h2>\n\n\n\n<p>Besides pricing and customer service, payment options are another important part of the consumer journey. With <a href=\"https:\/\/birdeye.com\/payments\/\">Birdeye Payments<\/a>, you can provide your customers with a simple and safe way to make their purchases. Plus, Birdeye Payments connects with most accounting software making it a seamless payment tool for your business. Be sure to download our free digital payments guide to learn more. Just click the banner below.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/birdeye.com\/resources\/guides\/the-complete-guide-to-digital-payments-for-local-businesses\/\"><img decoding=\"async\" src=\"https:\/\/birdeye.com\/blog\/wp-content\/uploads\/Digital-payments-guide-banner-scaled.jpg\" alt=\"payments guide\" class=\"wp-image-43032\"\/><\/a><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>According to the National Retail Federation, 83% of consumers say convenience is an important part of the shopping experience. A big part of that convenience has to do with easy payment options. This is why credit card processing for small businesses is so important. However, choosing a provider that best fits your business needs can [&hellip;]<\/p>\n","protected":false},"author":92,"featured_media":39946,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[10540],"tags":[],"class_list":["post-39727","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-digital-payment"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.5 (Yoast SEO v26.5) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Credit card processing for small businesses | Birdeye<\/title>\n<meta name=\"description\" content=\"60% of consumers prefer using credit cards over cash. This is why credit card processing for small businesses is so critical. \u2713 Learn today.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/birdeye.com\/blog\/wp-json\/wp\/v2\/posts\/39727\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Credit card processing for small businesses\" \/>\n<meta property=\"og:description\" content=\"60% of consumers prefer using credit cards over cash. 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