Trending February 2024 # The Best Magsafe Card Holders For Iphone # Suggested March 2024 # Top 8 Popular

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In an increasingly digital world, you can get by without cash but not without your cards! Never be stuck without your essential bank or ID cards by using a handy MagSafe card holder with your iPhone.

These nifty accessories securely attach to the back of your phone to hold your cards for quick and easy access. They can be attached to MagSafe-compatible phone cases or directly to your iPhone 12 and later.

Check out our roundup of the best MagSafe card holders for your iPhone below!

Best MagSafe Card Holders for iPhone

Editor’s choice: Mujjo full leather MagSafe wallet

If you love flaunting a stylish premium look, check out Mujjo’s MagSafe card holder that’s made of signature vegetable-tanned leather that meets environmental standards. It’s super soft and looks even better over time.

You can carry one to three cards in it, keeping them securely hidden from view yet easy to reach when needed. Transparent silicon lines lend a better grip, while a hidden spring prevents cards from accidentally falling out. It’s available in classic black, tan, and blue color options.

Price: $43.95

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Obvious choice: Apple Leather Wallet with MagSafe

You can never go wrong with accessories from Apple itself. This beautiful 

You can never go wrong with accessories from Apple itself. This beautiful wallet has been designed with both style and function in mind. It’s made of the finest European leather that looks great and stands the test of time. It can hold up to three cards and is shielded for safety.

Strong built-in magnets ensure a secure attachment that keeps the case in place even when you’re on the move. The best part is that Apple’s MagSafe card holder supports Find My, so you can be notified of your wallet’s last known location if it ever gets separated from your phone. Lastly, you can choose from nine fun color options!

Price: $59.00

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Best value: Spigen Valentinus Magnetic Card Holder

Spigen is known for its quality iPhone accessories that come at an affordable price point. This MagSafe card holder is under $25 yet made of sustainable vegan leather that’s been responsibly sourced. At the same time, it’s sturdy and functional, with space for two cards.

The slim form factor ensures this card holder doesn’t add much bulk to your phone so it’s easy to slide in and out of your pocket. Moreover, the additional access port makes it easier to pull out your cards when you need them. You can choose from black or brown color options.

Price: $24.99

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Versatile design: ESR HaloLock MagSafe wallet and stand

If you need to carry multiple cards, the ESR MagSafe wallet is a must-have. It features 3 individual card slots that give you quick and easy access to each of your cards whenever you need. A great touch is the transparent window that makes it a breeze to flash your ID when required.

The high-quality vegan leather offers a classic look and premium feel while the magnets are even stronger than the official Apple card holder. Further, the metallic mesh lining protects your cards to prevent demagnetization. However, the best part is that the wallet folds out into a kickstand too, making it easy to view your phone hands-free! You can grab this cool accessory in black, brown, or blue color variants.

Price: $26.99

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Ultra-slim: Native Union Clic card holder

Card holders can sometimes add a bit of a bulge to your phone. But this sleek option from Native Union prevents that from happening. It snugly fits up to three cards and has a handy back access port to access them when needed.

It’s crafted from Yatay, a premium plant-based material that’s been handcrafted in Italy, lending a luxurious cross-grained design that’s elegant yet eco-friendly. It’s available in black and tan color variants.

Price: $49.99

Buy now

Portable and practical: MOFT card holder and stand

Here’s a MagSafe cardholder with a unique and portable design! You can snap it onto your phone like any other wallet but you can also fold it out into a nifty stand that works in both portrait and landscape orientations. There’s also a third “floating” mode that offers the perfect angle for on-the-go Zoom meetings.

The wallet itself is slimmer than other options yet has the same capacity of up to three cards. The magnets are strong enough to ensure a secure attachment so you don’t need to worry about it slipping off your phone. Moreover, there are a few different colors and styles to choose from.

Price: $29.99

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Don’t miss these other essential accessories: 

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Best Rtx 2060 Graphics Card For 2023

Products at a Glance

The RTX 2060’s MSRP is $349, and most of the cards on this list meet that price point. RTX MSRP is as cheap as it gets with the RTX 2060, and it’ll likely stay that way for at least a few more years. Ray-tracing is an expensive new technology in the PC space, and it’ll be awhile before costs are low enough for us to see this kind of power in, say, a sub-0 GPU.

Consoles like the XOneX and PS4 Pro use upscaling to achieve a 4K image from 1440p or 1800p– they are not rendering true, native 4K. The consoles also tend to have visuals on par with what would be mixed Medium (sometimes Low, sometimes High) settings on PC, and almost never Maximum settings. There is also the matter of framerates, where the X/Pro tend to push 60 at 1080p and 30 at 4K, though this can change with certain games.

Unlike these consoles, the RTX 2060 actually can achieve a native 4K image using console-equivalent settings, which kinda ruins the point for some. The best range to use the RTX 2060 in modern games is at 1440p and 1800p, with mixed High/Max settings, pushing framerates of 60 FPS and higher.

This is for regular games, though. When it comes to ray-tracing, you’ll typically need to play at 1080p to maintain 60 FPS at maximum settings, as what most gamers would at least want. While this does look stunning, it can be a bit of a disappointing compromise for those with high-resolution displays.

If you want to see more detailed benchmarks in modern-day worst-case scenarios, we recommend peeking at the Digital Foundry review.

While many of the GPUs in this article have factory overclocks, and some have better user-end overclocking or boost clock range than others, it’s important to note that an RTX 2060 is still going to perform like an RTX 2060, regardless of what you do to it. Even with the best GPU overclocking, you shouldn’t expect to gain any more than ~10 percent or so in performance, and in scenarios where the CPU is the bottleneck, you may not even get that.

The main reason to get a GPU with a higher factory overclock is to save yourself a bit of time overclocking the card yourself. At the end of the day, your GPU clock speed is only one part of a larger picture. Things like DLSS from the RTX feature, cooler size, architecture (in this case, 2060’s Turing architecture), and available processing cores will have just as much, if not more, of an impact on your final performance and thermals.

Shorter graphics cards are often referred to as a mini GPU, or an ITX GPU. The main benefit of these cards is the ability to fit them into smaller PCs, especially prebuilts that otherwise wouldn’t be able to contain them. In the case of the RTX 2060, though, you’ll want to make sure that you also have a compatible  , since it can’t be run on PCI Express power alone.

The RTX 2060s in this article do not include USB-C connectors, but they otherwise stick to this trend… except one, which swaps out one of its DisplayPort connectors for DVI. We aren’t sure why you’d still be using a DVI monitor with a high-end GPU like this one, but we aren’t gonna judge, either.

The Best Waterproof Cases For Iphone 6

Now that summer is here, it is time to start planning for all of those water activities you love. Whether you are zooming down a 50-foot slide at a water park or simply relaxing at the beach around a bonfire with friends, you need protection for your iPhone and waterproof protection is an added bonus.

Lifeproof Frē

For a sturdy waterproof case, check out the durable Lifeproof’s Frē. This hard shell polycarbonate case seals your iPhone 6 right in and is military graded for protection from drops up to six feet. It is waterproof rated for two meters (6.6 feet) for up to an hour. All ports are sealed with special caps, but are accessible when need be. The touch sensitive clear screen cover allows you to continue using your device, even though it is completely enclosed. The special Home button membrane makes it possible for you to use Touch ID. This case is available from Amazon for between $70 and $72, depending on the color you want.

If you’d like something with a deeper waterproof rating than the Frē but still want access to basic controls for your iPhone, Catalyst has your style. It is rated for up to 16.4 feet deep with a drop rating of up to six feet. The non-slip rubber bumper also ensures that you are less likely to have your iPhone 6 slip between your fingers. The front and back of the case are clear. So you can show off more of your iPhone’s beautiful design while still protecting it from the elements. The Home button is covered with a special membrane so you can use Touch ID. The ports are covered with sealed caps that you can open when you need to charge your device or connect headphones. This case is available from Amazon for between $73 and $76, depending on your color choice. There is also a version for the iPhone 6 Plus for $86

This waterproof pouch will seal your iPhone 6 in with waterproof protection for up to 100 feet. You slide your device in through the top and seal it closed using special sliding lock mechanism. Because it is a pouch, it is universally compatible with any device with a screen size of 6-inches or smaller. So, whether you have an iPhone 6 Plus, an iPhone 4, or some other brand of smartphone, it will fit. The clear front window is touch sensitive so you can use your iPhone 6 while it is inside. None of the ports or controls are accessible, though. You’ll have to open the pouch to get to them. This case is available on Amazon for $10.

For a less-expensive alternative to many of the waterproof iPhone cases, the Armor Defender is designed to protect against the elements while still being functional. The case is made from durable material for minimal drop protection. It is waterproof rated for 6.6 feet deep for up to 30 minutes. The touch sensitive clear window allows you to use the touch screen. The Home button is covered with a special membrane so you can use Touch ID. It also features a handy kickstand so you can prop your iPhone 6 up in landscape mode for watching movies while hanging out at the beach. This case is available on Amazon for $10. There is a version for the iPhone 6 Plus for $15.

Another pouch-style alternative that might be right for you is

Another pouch-style alternative that might be right for you is the Ultrapouch . It is a universal case for devices up to 5.3 inches that seals your iPhone 6 in with a special locking mechanism. The slim profile makes it convenient for you to protect your device from the elements without adding too much bulk. The clear front window is touch sensitive so you can use your iPhone 6 while it is sealed up. As is typical with pouch-style waterproof cases, ports and controls are not accessible. You’ll have to remove your device from the bag to use them. This case is available on Amazon for $8. There is a version for the iPhone 6 Plus for $10

Check out our other accessory roundups

Top 6 Magsafe Battery Packs For 2023

No matter how new or powerful an iPhone is, its battery life won’t be enough for your needs at some point. You want your phone to remain charged at optimal levels, especially when you won’t have access to a charger for hours. A MagSafe battery pack will keep your MagSafe-compatible iPhone charged throughout the day and more without the need for a lightning cable. This guide provides you with the top six MagSafe battery packs for 2023.

Not an iPhone user? Check out these small power banks instead!

What is MagSafe?

MagSafe is a magnetic technology developed by Apple for Apple devices. Initially, MagSafe was a safety feature for MacBooks (before Apple switched to Type-C chargers for MacBooks), until it started to be an added feature for iPhones, starting with the release of the iPhone 12 line. Its main purpose is to add efficient and convenient wireless charging for Apple’s handheld and wearable devices.

If you’re using a non-MagSafe case, remove it when charging wirelessly with a MagSafe battery pack or charging dock for more stable charging.

1. Apple MagSafe Battery Pack

Price: $99

The Apple MagSafe Battery Pack is a highly portable MagSafe battery pack that fits smaller MagSafe-compatible iPhones, like the iPhone 12 and iPhone 13 mini. It also fits the bigger iPhone Pro and iPhone Pro Max. It can charge iPhone minis up to 70%. However, it can only charge Pro models up to 60% and Pro Max models up to 40%. If you want a MagSafe battery pack with higher charging capacity, you won’t find that from Apple.

Pros

15W wired charging

Fits iPhone mini models

Battery level visible on the iPhone

Supports pass-through charging

MFI certified

Cons

Charging capacity is low for its price point (2,920mAh)

No kickstand

Only available in white

2. ESR HaloLock Mini Kickstand

Price: $49.99

When you look at the ESR HaloLock Mini Kickstand‘s capacity, it looks like a better purchase compared to the Apple MagSafe Battery Pack. It has a kickstand, which is convenient for propping up your phone. It’s almost half its Apple counterpart’s price and has better specifications.

Image source: ESR

Pros

5,000mAh capacity

Can charge iPhones through wired connection

Has an LED indicator for the battery level

Wireless charging with iPhone 8 and later

Supports pass-through charging

Kickstand

Comes in two colors (black and white)

Cons

Not MFI certified

12W wired charging

Tip: you can set your iPhone to inform you when it is charged to 80% capacity.

3. Oisle MW242

Price: $84.99

The Oisle MW242 is smaller and lighter than the Apple MagSafe Battery Pack and the ESR HaloLock Mini Kickstand. It’s great if you use an iPhone Mini or want a lighter and smaller MagSafe battery pack. The downside, however, is its low wireless charging capacity. However, it sports a decent capacity and portability.

Pros

Smallest battery pack on the list

Lightweight (0.17 lbs or 89g)

4,225mAh capacity

Supports wireless charging for iPhone 8 and newer

Supports pass-through charging

Comes in five colors (black, white, blue, red, and pink)

Cons

5W wireless charging

10W wired charging

No battery level indicator

Not MFI certified

4. Anker 633

Price: $79.99

The Anker 633 packs the highest capacity with two wired charging options to charge your iPhone and other devices more quickly. It also has a kickstand and a battery level indicator. However, it doesn’t work with iPhones older than the iPhone 12 series. But with the enormous capacity and simultaneous device charging, it’s an excellent pick if you’re always on the go with more than one device you need to charge.

Pros

10,000mAh capacity

Kickstand

2 USB ports (Type-C and Type-A)

LED battery level indicator

Charges 20W wired with Type-C

Charges 18W wired with Type-A

Can charge up to three devices at the same time

Supports pass-through charging

Comes in three colors (black, white, and blue)

Cons

Heavy compared to other MagSafe battery packs on this list (219g)

Can’t wirelessly charge iPhones older than the iPhone 12 series

Not MFI certified

Tip: before you bring your MagSafe battery pack on a flight, check whether your power bank is allowed on the plane.

5. iWalk Power Grip Mag

Price: $49.99

If you want to ensure that your iPhone doesn’t fall out of your hands with the extra bulk from a MagSafe battery pack, the iWalk Power Grip MAG is a good choice. It has a ring you can rotate for optimal grip and use as a stand. iWalk’s Power Grip MAG has a unique LED display that shows the battery level. However, it can’t charge more than one device at a time, which is inconvenient if you need to charge more than just your iPhone.

Image source: iWALK

Pros

6,000mAh capacity

Comes with a ring for better grip that doubles as a phone stand

Has LED display for battery level

Supports 18W of wired charging

Supports pass-through charging

Comes in two colors (white and black)

Cons

Doesn’t work with iPhone mini or series 11 and older

Can only charge one device at a time

Not MFI certified

6. Benks MagClap On-Go

Price: $43.99

The Benks MagClap On-Go MagSafe battery pack is a small portable charger with the exact dimensions of the Apple MagSafe Battery Pack but with a higher capacity. It’s perfect for you if its Apple counterpart is out of budget, but you like the way it looks. It doesn’t have a stand or ring, but it’s small enough not to make your iPhone challenging to grip (even if you have an iPhone mini).

Image source: Benks

Pros

Same size and appearance as the Apple MagSafe Battery Pack

5,000mAh

Has an LED battery level indicator

Comes in five colors (black, dark blue, white, purple, and light blue)

Cons

Not compatible with iPhone 11 and older

Not MFI certified

FYI: if you are traveling, don’t forget to pick up these must-have travel tech products along with your MagSafe battery pack.

Frequently Asked Questions Is MagSafe different from Qi?

Qi is a wireless charging standard much like Apple’s MagSafe technology, but it covers more than a single brand of smartphones. It will wirelessly charge iPhones without the MagSafe technology It can also charge iPhones that have MagSafe, but the magnet doesn’t stick as much as when using a MagSafe battery pack with a MagSafe-compatible iPhone.

Is it safe to use a MagSafe battery pack without MFI certification?

It should be safe to use a MagSafe battery pack without MFI certification. However, before buying a specific battery pack for your iPhone, read and watch product reviews from trusted sources.

Additionally, if you can test the product you want before purchasing it, we highly recommend doing so to ensure that the battery pack won’t heat up, is the correct size and weight, and a product that will provide value to you.

Image credit: Unsplash

Natalie dela Vega

Natalie is a writer specializing in tech how-tos and gaming. When she’s not writing, she plays PC games and travels. Here at MakeTechEasier, you will see her write about guides, tips, and solutions for Windows and iOS.

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Best Graphics Card For 4K Gaming In 2023

Our Verdict

Overall, when looking at all of our picks for the best graphics card for 4k gaming, we think you should go for the 2080 Super due to the price vs performance aspect. It gives you a boost clock of 1,860 MHz and 8GB of DDR6 SDRAM which is more than enough to handle the top AAA at 4k resolutions while also being much cheaper than the 2080 Ti. However, if you do want the top of the line graphics card that is also a little more future proof, spend the extra money on the 2080 Ti. You’re getting that boost in performance with an additional 3GB of RAM. If budget is your top priority, the RTX 2060 Super is still a great 4k gaming graphics card and will scratch that top resolution itch.

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Additional Information

When choosing the best graphics card for 4k gaming, there are a number of different factors to take into account. If you didn’t understand any of the specifications given in the article above, or you just want a refresher on what they all mean, we’ve provided this section as a buying guide for your reference. Keep reading for a breakdown on each of the key specs we’ve provided, and what they mean to you as a consumer.

GPU Size

GPU Size refers to two different measurements. There’s length, in exact millimeters, and width, measured in slots. Slots refers to both the PCI Express slots that a GPU is inserted into and the slots in the chassis, while length refers to how far into the case the graphics card extends.

Of these two measurements, GPU length is the one that is more likely to cause compatibility issues, especially in a Micro ATX or Mini ITX PC build. Width is really only ever a concern if you plan on installing additional expansion cards, which has become much less necessary with improvements in motherboard I/O and USB adoption.

In any case, be sure to check GPU clearance measurements against those provided by the case manufacturer in specs. You wouldn’t want to buy a massive graphics card that you find out doesn’t fit on the day you’re assembling your build!

GPU Architecture

GPU architecture refers to the technology your GPU is built around. Every card in a certain GPU series will be built with the same architecture, starting with a “pure” version at the highest end. Understanding these will help you better understand the graphics card hierarchy.

Below, we’ve listed the relevant GPU architectures for consumers today:

AMD Polaris – Used by the RX 500 series, iterative upon past generations.

AMD Vega – Used by the RX Vega series and the Radeon VII, known for utilizing HBM2 and serving double duty as gaming and professional cards.

AMD Navi – AMD’s next-gen architecture. Likely to replace Vega and Polaris entirely.

Nvidia Pascal – Nvidia’s last-gen architecture, used by the GTX 10-Series.

Nvidia Turing – Nvidia’s current-gen architecture, enabling features like real-time ray-tracing in the RTX 20-Series. The GTX 16-Series is also based on this architecture, but without the extra processing cores for ray-tracing features.

Clock Speed

Clock speed isn’t very useful as a method of comparing different GPUs, especially not across different architectures. If you’re familiar with CPUs, it’s pretty much the same here: clock speed is generally only effective at comparing GPUs with the same architecture. In some cases, clock speed may only be useful for comparing different models of the same GPU, which further complicates matters.

A reference design of a graphics card is one released by the manufacturer as a baseline for others to work with. Nvidia and AMD both release reference designs, which are then iterated upon by companies like MSI and EVGA.

These new designs use aftermarket coolers and may even result in shorter or longer cards, as well as higher out-of-box clock speeds. When a card ships with an above-reference clock speed, this is referred to as a factory overclock, and you will find it is very common in the GPU market.

VRAM

VRAM refers to the memory used exclusively by your graphics card. This differs from standard memory, or RAM, used by the rest of your PC in a few key ways.

VRAM is mainly used for dealing with high resolutions, post-processing effects, and high-fidelity texture streaming. The more VRAM you have, the better your card will be at handling these things… as long as your card can keep up. The type of VRAM used can also be an influencing factor here.

VRAM types, from slowest to fastest:

GDDR5 – Used by AMD Polaris and Nvidia Pascal GPUs.

GDDR5X – Used by high-end Nvidia GPUs and low-end Turing GPUs.

GDDR6 – Used by midrange and high-end Nvidia Turing GPUs.

HBM2 – Used by AMD Vega cards and high-end Nvidia GPUs.

VRAM capacities and matching resolutions:

2GB – Suitable for 720p and 1080p in most scenarios.

4GB – Suitable for 1080p and 1440p in most scenarios.

6GB – Suitable for 1440p and VR in most scenarios. 4K needs GDDR6 or better.

8GB – Suitable for 1440p, VR, and 4K. The underlying GPU will need to be powerful enough to keep up, though.

In general, if you see two versions of the same card and one version has more VRAM go with that version. It’ll futureproof your system just a little bit more.

Resolution and FPS

When we talk about how each GPU performs, we’ll be mainly referring to its resolution and FPS, or framerate. Below, we’ll provide some explanation for common figures.

Additionally, note that the FPS you can actually see is limited by your display. Most displays only display up to 60 Hz, or 60 FPS. The same applies to resolution, though this is measured the same by games and displays.

Framerate targets:

30 FPS – Anything below this is considered unplayable. Not smooth, but not jittery either- just okay.

60 FPS – Smooth, and the smoothest that a 60 Hz refresh rate display can show. The ideal target in most scenarios.

100 FPS – Very smooth- a common compromise made by those with high refresh rate displays, who want smoother gameplay without totally sacrificing visuals.

120 FPS – Ultra smooth.

144 FPS and higher – As smooth at it gets.

Tech and Terms

In this section, we’re going to list a few common terms you might see tossed around in this article and in product reviews elsewhere.

V-Sync – V-Sync is used to prevent screen tearing when a game’s framerate exceeds a display’s refresh rate. This comes at the penalty of performance loss and more input latency.

G-Sync and FreeSync – An improved version of V-Sync, corresponding to Nvidia and AMD, respectively. Requires a compatible monitor to function properly.

Upscaling – The practice of rendering at a lower resolution and upscaling to a higher one. This is used by the upgraded consoles to achieve a 4K image, and is an option in many PC games. However, an upscaled image will never look as a good as a true, “native” image.

AA (Antialiasing) – Used to remove jagged edges from an image. Especially common and necessary at 1080p and lower resolutions, but becomes less of a hard requirement at higher resolutions.

SLI, NVLink, and CrossFire – Multi-GPU technologies that have mostly fallen out of favor and support. The first two are Nvidia, the third is AMD. NVLink is the best of the three, but only supported by the highest-end Nvidia GPUs.

Real-time ray-tracing – The big feature of the Nvidia RTX GPUs vs GTX GPUs. Looks great, but only supported by a few games. Should eventually come to AMD GPUs as well, but is a niche technology for now. (GTX 1060 and newer Nvidia GPUs now support this, but with horrific performance. Thanks, Nvidia!)

DLSS – An Nvidia-exclusive technology used by RTX GPUs. A form of anti-aliasing fuelled by AI deep learning, allowing far better image quality in supported games.

10 Best Credit Card Payment Services For Smbs

Small business owners must make thousands of decisions when starting a business and running its daily operations. Deciding to accept credit card payments is a crucial choice that spurs another critical decision: What credit card payment processing service should you use? 

Choosing a credit card payment service entails evaluating credit card processing fees, approval rates, equipment and more. To help small business owners select the right credit card payment service, we’re highlighting 10 trustworthy options that provide a unique range of services and options to help you choose the right processing partner for your needs.

Tip

Credit card processing fees are tax deductible, so itemize these costs on your tax returns.

The best credit card payment services for small business owners

The best credit card processors have reasonable fees, pay you quickly, and support your business with excellent customer service. Consider the following 10 services as you search for your credit card processor. 

1. Helcim

Helcim provides services and equipment for brick-and-mortar and online businesses, including EMV-compliant and NFC-capable terminals. There’s also a card reader for accepting credit card payments on mobile devices and a virtual terminal for online transactions. 

Helcim has a robust software interface that gives merchants tools most other credit card processors charge extra for, such as POS system capabilities. With Helcim, POS software is free, and there are no monthly fees. Helcim also gives new merchants a free online store.

Helcim has a transparent interchange-plus rate structure, charging 0.3% plus 8 cents per transaction for card-present transactions and 0.5% plus 25 cents per transaction for keyed-in transactions. These fees are in addition to the interchange rate every merchant must pay.

To learn more, read our in-depth review of Helcim. 

2. Stax by Fattmerchant

If you have an established company with a high monthly transaction volume, Stax by Fattmerchant may be the processor for you. It works on a subscription model; you pay a monthly fee for your required functionality level. Plans start at $99 and go up to $199 monthly. You’ll pay a small markup on interchange rates of 0% plus 8 cents for in-person transactions and 0% plus 15 cents for e-commerce and other keyed-in transactions. 

Stax notifies you in real time when online invoices are paid and automatically displays the lowest-rate payment option on e-commerce payment pages.

Our review of Stax by Fattmerchant provides more details about the service.

Did You Know?

Credit card processors can also help businesses accept other payment forms, such as mobile wallets like Apple Pay, Samsung Pay and Google Pay.

3. Square

Since 2009, Square has helped small businesses – no matter where they’re located – accept credit cards thanks to its innovative card reader. (This longevity has contributed to its popularity and given rise to Square vs. Shopify comparisons). 

Today, Square offers a wide range of credit card terminals that let businesses process payments in-person or online. It also provides a helpful dashboard for sending invoices, viewing analytic reports, and managing inventory. Square is an excellent choice for startups since it has a high approval rate.

The mobile card reader is free for new merchants, but Square charges a flat rate of 2.6% plus 10 cents for in-person transactions, 2.9% plus 30 cents for online payments, and 3.5% plus 15 cents for keyed-in transactions.

Check out our Square review to learn more about custom rates and additional options.

4. Merchant One

Merchant One has a 98% approval rate for new merchants, even those in high-risk industries. To account for various risk factors, Merchant One has custom pricing on credit card processing rates and fees. Monthly fees start at $6.95, but there is also a $99 annual fee. 

Merchant One uses interchange-plus processing rates that range from 0.29% to 1.99% per keyed-in transaction and 0.29% to 1.55% per card-present transaction.

Additionally, Merchant One’s software interface gives merchants a high degree of functionality, including gift card and customer loyalty programs, business texting for marketing, and a free shopping cart.

Our Merchant One review provides more information about the company’s features, services, and software integrations.

5. Chase Payment Solutions

Chase is one of the largest banks in the United States and issues its own credit cards as an acquiring bank. This allows it to give its merchants near-immediate access to the funds they generate from credit card sales – sometimes on the same day. For small businesses, that quick access to funds can make a big difference in managing cash flow.

Chase has no monthly fees, but its rates are higher than some other processors. It charges 2.6% plus 10 cents for in-person transactions, 2.9% plus 25 cents for online transactions, and 3.5% plus 10 cents for keyed-in transactions.

Our in-depth Chase payment solutions review goes into more detail about its features, services, and processing equipment options.

6. Clover

Clover’s card readers and POS hardware and software are the industry standard and are resold by many other processors. In addition to its traditional POS system, it has specialized versions for retailers and restaurants. It also integrates with over 500 third-party apps to let you seamlessly run your entire operation.

Clover uses a tiered pricing model with three different plans, each with a monthly fee ranging from $9.95 to $49.90. Processing rates range from 2.3% to 3.5% plus 10 cents per transaction and functionality. Additional POS stations cost $9.95 monthly.

Our full Clover review explains more about onboarding your business and implementing the system. 

7. Payment Depot

Like Stax, Payment Depot has subscription-based pricing with minimal markup on interchange rates, making it an excellent choice for high-transaction-volume businesses. Subscription plan membership fees range from $59 to $99 monthly. Processing rates are 0% plus 5 to 15 cents per transaction. 

Payment Depot’s pricing structure differs from other processors that charge a higher flat percentage rate plus a per-transaction amount, sometimes with higher monthly fees. Payment Depot also has fast payout, with funds from transactions settled by 8:30 p.m. EST available the next day.

Read our in-depth Payment Depot review to learn more about this company’s terms, features and pricing.

8. PaySafe

PaySafe is a lesser-known payment processor with unique benefits for small businesses. For example, PaySafe lets merchants accept more payment types than any other processor, including cash and transactions in over 100 international currencies. 

Unlike other processors, PaySafe lets you accept payments from people who don’t have a debit or credit card – or even a bank account. If a large portion of your customer base falls into this category, then PaySafe is the best processor for you.

9. Flagship Merchant Services

Flagship Merchant Services is one of the most well-known credit card processing companies. It lets businesses accept credit card payments by phone, mobile card reader, POS terminals and online. While it doesn’t publish its fees or rates online, Flagship is so confident in its pricing competitiveness that it promises a $200 American Express gift card if it can’t meet or beat competing offers.

Flagship also helps merchants use branded gift cards and customer loyalty rewards programs to boost sales. Learn more in our detailed Flagship Merchant Services review.

10. PayPal

PayPal was the original digital wallet and online payment platform and still has a vast user base of more than 246 million people worldwide. PayPal has become a powerhouse in the credit card processing industry with nearly ubiquitous integration into e-commerce platforms, making it easy for your business to accept credit card payments with PayPal.

Like Square, PayPal has close to a 100% approval rate for new merchants. It charges a flat rate of 2.7% for in-person transactions, 3.5% plus 15 cents for manually keyed-in transactions, and 2.9% plus 30 cents for e-commerce or digital invoice transactions.

Our PayPal credit card processing review offers more information about its low fees, special pricing and other features.

Did You Know?

Credit card processing rates and fees are often negotiable, both at the beginning and after establishing a positive relationship with the payment service.

How to choose a credit card payment service

There are many factors to consider when choosing a credit card payment service; a service that’s perfect for another business may not be suitable for you. 

When researching credit card payment services, narrow your list to reputable companies with good customer service and few merchant complaints. Then, consider the following factors:

Approval rate

Generally speaking, credit card payment services are risk-averse. They prefer not to do business with these types of clients:

Startups

Companies with no history of processing credit card payments

Business owners with poor credit or little business experience

Businesses in industries they consider to be high risk

These are some industries often classified as high-risk business:

CBD and cannabis

Online gambling

Credit repair and debt consolidation

Affiliate marketing

Auto warranties

Beauty, skin care and hair care 

If your business falls into one of these categories, your list of possible credit card payment services narrows considerably. Even if your application is approved, some credit card processing companies will charge you a higher processing rate and fee, at least until you have established a good history with them.

Processing rates and fees

Credit card payment services make money in several ways, including processing rates and monthly or yearly fees. 

In general, processors that charge high monthly fees charge low processing rates, and vice versa. These two pricing models benefit different businesses. 

Low or no fees and high processing rates: Small businesses with low transaction volumes end up paying less with the low-to-no fee/high-rate model. When they have low sales, they pay very little because fees are based on sales volume. Seasonal businesses also benefit from this structure. For example, a snow ski rental business only makes money during the winter. It would be a waste to pay fees for the spring, summer and fall months when it has no revenue.

High fees and low processing rates: Established companies with high transaction volumes benefit from subscription-based, interchange-plus pricing. Because they are processing so much each month, they want their processing fees to be as low as possible. They can easily absorb the monthly fee, if there is one. 

In other words, businesses that sell fewer but more expensive items – like furniture stores – prefer a low processing rate and higher per-transaction flat rate. Companies with many smaller transactions monthly – like a dollar store – would prefer to pay a higher percentage on the processing rate and a lower (or zero) flat per-transaction amount.

Tip

To save money on credit card processing fees, consider charging a convenience fee, raising your prices slightly to cover the additional cost, or setting a minimum purchase amount.

Software 

Some businesses use their payment processor’s software to run their business, while others don’t need this much functionality. Services like Helcim, Stax and Clover provide robust features, including customer management, employee tracking and management, inventory management, digital invoicing, gift cards and loyalty programs, and membership billing. 

Usually, all-encompassing services charge higher monthly fees based on the functionality you need (except Helcim, which charges no monthly fees). If you need specific software functionality, it may make sense to pay for it through your provider instead of buying individual software packages. However, if you have a very straightforward business, you probably won’t need so many robust features, and it won’t make sense to pay for them.

Credit card processing equipment

If you do any in-person business, you probably need a credit card reader. However, if you’re strictly e-commerce or phone sales, you only need a virtual terminal (a secure payment interface in a web browser). 

Equipment can be as simple as a single Bluetooth-connected mobile reader or as complex as a multilocation POS system with multiple stations. It may be important to you that your customer-facing equipment is attractive and easy to use, as with a touch screen. Or maybe cost is your deciding factor. 

Drew Hendricks contributed to the writing and reporting in this article. 

Regardless of the equipment you choose, you’ll pay less if you buy it instead of lease it.

Flexibility and freedom

When choosing a credit card payment service, you’ll ideally be happy with the company for the long term. However, things don’t always work out that way. If you’re dissatisfied with the company for any reason – such as its pricing, policies or customer service – you’ll want the flexibility to ditch them and choos a new processing company. 

To ensure your flexibility and freedom, choose a payment service with a month-to-month contract and no early termination fee. It also helps if the hardware isn’t proprietary to the processing company, so you won’t have the expense of buying all new equipment.

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