What does it take for your business to accept credit cards, and is it worth the effort? If you do as search for “credit card online processing services” and you’re liable to end up with hundreds and hundreds of choices. And if had the time to click on all those sites, you’d find all will claim to be the “best” with the “most competitive” rates. So how do you cut through the bragging? First, pass on any company that charges a fee – sometimes as much as $300 – for simply putting in an application. Also stay away from any company that charges for their processing software. That usually indicates they are getting it from a third-party and passing the cost along. The best companies create their own products.