Top International Mobile Credit Card Processor For Small Business Owners

Statistics show that nearly 100,000 businesses in the U.S. shut down due to the recent pandemic. Surprisingly, most of these were brick-and-mortar stalls. If your shop has not turned a profit in the past months, consider switching to eCommerce. A mobile credit card processor can help you expand to a global market.

Unlike in-shop card readers, mobile payment processors come with a payment gateway that accepts payments from customers all across the globe. eCommerce stores can potentially tap into a market with 2.14 billion users. Merchants have dozens of mobile processors to choose from, but the best ones include Square, PayPal, and Shopify.

Want to learn more about payment processing? Processing Card has multiple resources to help merchants start accepting card payments. Check out our comprehensive guide on the basics of credit card processing!


Detailing the Top 3 Mobile Payment Processors for SMBs

To help merchants get a head start on their transition to eCommerce, we’ve listed down some of the most significant pros and cons of each mobile payment processor mentioned above:

Best Overall: Square

Square easily takes the number one spot for its overall easy-to-use system and straightforward pricing model.


  • Flat-rate pricing
  • Extensive point of sale (POS) features
  • Allows omnichannel integration
  • Zero monthly fees
  • Accepts low-volume merchants


  • Does not work with high-risk merchants
  • Some users report account instability
  • Other processors have lower rates

Best Security: PayPal

PayPal comes in second for its top-notch security and anti-fraud detection system that protects unsuspecting SMBs from crooks.


  • Excellent fraud prevention scheme
  • Flat-rate pricing
  • Simple, easy-to-use system
  • Accepts low-volume merchants


  • Some users report account instability
  • Does not work with high-risk industries
  • May hold funds during investigation for several weeks

Best eCommerce Builder: Shopify

Shopify lets even a complete beginner build an eCommerce shop and list multiple products in just a few hours.


  • All-in-one eCommerce site builder
  • Offers various web design templates
  • Features multi-tiered pricing plans 


  • Comes with miscellaneous charges
  • Requires multiple site add-ons 

Do not blindly sign up for a payment processor simply because they’re widely used or have low processing rates. Yes, these factors are crucial. However, other criteria such as miscellaneous fees, customer service, and system reliability also play an integral role.

Merchants need to find a payment processor that can provide a unique, customizable plan that addresses their processing needs and matches their business preferences. One-size-fits-all solutions do not exist.

Can’t qualify for a merchant account? Processing Card explains that merchants do not have to limit themselves to commercial institutions. Check out our review on the best payment processors for high-risk merchants!

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