Payment Depot Review
Membership pricing for high volume
8.8/10
Ranked #4 of 5 in Credit Card Processing
Get pricing Takes you to paymentdepot.com
Quick facts
- Pricing model
- Membership + interchange
- Monthly fee
- From $59
- Best at volume
- $25K+/month
- Payouts
- 1–2 business days
Our verdict
Bottom line: Payment Depot swaps percentage markups for a flat membership: you pay wholesale interchange plus a fixed monthly fee. Above ~$25K/month, the maths strongly favours it.
Pros and cons
Pros
- Very low effective rates at volume
- No contract or ETF
- US-based support
Cons
- Monthly fee wasted at low volume
- Hardware sold separately
Who Payment Depot is best for
High-volume businesses with steady sales.
- Flat membership, wholesale rates
- No percentage markup
- Savings grow with volume
How Payment Depot compares
Our current top pick for credit card processing is Helcim. Here is how they line up:
| Measure | Payment Depot | Helcim |
|---|---|---|
| Editorial score | 8.8/10 | 9.4/10 |
| Pricing model | Membership + interchange | IC + 0.4% + 8¢ |
| Monthly fee | From $59 | $0 |
| Best at volume | $25K+/month | $0 |
See the full credit card processing comparison for everything we measured.
How we chose
Every credit card processing provider here gets the same treatment: the BusinessShop research team scores it on five weighted factors, the weights are published, and no provider can pay to move up. Commissions never touch the math.
- 30% Pricing & value
- 25% Product quality
- 20% Customer experience
- 15% Reputation
- 10% Flexibility
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