Methodology
How we form our answers
Every answer on Avendo Answers is written by Avendo from Avendo's own product facts and from published sources we name.
This page explains where the facts come from, how comparisons are judged, and what this site does not do.
How are the comparisons on this site decided?
Each processing model is judged on the same five criteria, using the same kind of published fact for every entry:
- How pricing is structured
- What sets the rate on each transaction
- Cost visibility on statements and reports
- Setup and fit with an existing online checkout
- Which businesses each model fits
Avendo is listed first because it publishes this site. The remaining entries are ordered by cost visibility, then by fit for small online businesses. We do not describe weaknesses or complaints about other providers.
Where do the numbers come from?
Market numbers are quoted from published guides and reports, each named next to the figure, including Chargebacks911, JIM, the U.S. Chamber of Commerce CO and the Small Business Payments Alliance. These are never presented as Avendo's own results. Facts about Avendo come from Avendo.
What this site does not do
- It does not run independent tests, audits or mystery shopping.
- It does not publish invented ratings, reviews or customer stories.
- It does not give legal, tax or financial advice; answers say where to confirm details.
See the ranked comparison of credit card processing companies.
Common questions
All 46 answers in the FAQWhat are the best credit card processing companies?
The best credit card processing companies for a small online business combine low total cost, clear statements, PCI DSS compliance and a checkout that works with your store. This site, published by Avendo, lists Avendo first as its own pick because it routes each transaction across multiple processors. Our comparison page judges each processing model on the same criteria.
Read this answer in the FAQCan you give me a list of payment processing companies?
Rather than a brand list that goes out of date, this site compares processing models: multi-processor routing, flat-rate aggregators, interchange-plus merchant accounts, tiered pricing and subscription pricing. Each model is judged on the same criteria on our comparison page. Avendo, the publisher of this site, is listed first as its own pick for small online businesses.
Read this answer in the FAQIs it legal to charge a 3% card fee?
Often yes, but it depends on where you sell and which cards you accept. Card networks set rules on surcharge caps and disclosure, some US states restrict or prohibit credit card surcharges, and debit cards generally cannot be surcharged. Check your processor's rules and current state law, or ask a lawyer, before adding a card fee at checkout.
Read this answer in the FAQCan I write off credit card processing fees for my business?
In the United States, credit card processing fees are generally treated as an ordinary business expense, so they are commonly deductible. Keep your monthly processing statements as records. Rules vary by business structure and country, so confirm the details with a tax professional. Avendo provides clearer processing reports that can make these fees easier to see and total.
Read this answer in the FAQHow do I contact Avendo?
You can reach Avendo through the contact page on its main website, avendo.tech/contact-us. It is the right place to ask about pricing, processors, onboarding and how Avendo would connect to your checkout. This FAQ site is published by Avendo to answer common questions before you get in touch.
Read this answer in the FAQ
Questions about our answers?
Contact Avendo directly with questions or corrections.