8 Best Gas Station Credit Card Processing Companies in 2025

When choosing the most cost-effective credit card processor for your gas station, a key factor to consider is sales volume. If your business processes frequent, low-value fuel transactions, your needs will differ from those of a station handling higher-value payments for auto repair and maintenance.

Some gas stations will save more by choosing a service with a monthly subscription and flat transaction fee, while others benefit from an interchange-plus structure that helps them retain more of their earnings.

Furthermore, gas stations that have a thriving business selling replacement parts (batteries, tires, brake pads) or have an onsite convenience store may benefit from accounting and inventory management tools. Not all credit card processors offer these cost- and time-saving features, however.

After evaluating dozens of services, I’ve compiled this list of the best gas station credit card processing companies. Paysafe is my top choice for its partnership with Petroleum Card Services (PCS), a specialized payment solution for independent gas stations. It also offers low rates, a free mobile reader, and a multi-purpose app for managing payments in your gas station.

Keep reading to discover which one is best suited to your business.

What We Look For in the Best Credit Card Processing Companies for Gas Stations

When researching credit card processors to find the most affordable options for gas stations, I focused on the features and benefits that will have the biggest impact on your bottom line.

• Transparent pricing. With the credit card processors on my list, you’ll know exactly how much you’ll be paying for every type of transaction. You’ll never have to worry about hidden fees with these processors.
• Low processing rates. These credit card processors charge some of the lowest processing fees on the market. This makes them ideal for small businesses like gas stations that have razor-thin profit margins and process lots of small transactions.
• Fast payouts. The credit card processors on this list have quick payout times, usually around 24-48 hours. Some even offer same-day payouts.
• Fraud and chargeback protection. Settling disputed or fraudulent credit card charges can be costly. Every payment processor on this list helps you limit disputed charges. They also meet the highest level of Payment Card Industry (PCI) Data Security Standard for payment processing.
• Free or discounted terminals. Point-of-sale (POS) hardware is expensive. All these credit card processing companies offer free or discounted equipment. If you have existing hardware, you’ll also find options to integrate your existing equipment with the new processor of your choice.

1. Paysafe: Specialized Payment Solution for Gas Stations

Paysafe’s subsidiary, Petroleum Card Services (PCS), provides a payment solution specifically for gas stations. PCS supports all major pay-at-the-pump systems, including Gilbarco Passport, Verifone Commander, and Fuelmaster. It also accepts all major credit cards including fleet cards like Fuelman, Wright Express (WEX), and Voyager.

If you’re just starting out, you might appreciate Paysafe’s free mobile card reader, which can minimize your hardware costs. You can also download Paysafe’s Mobile Pay app on your iPhone or Android to process payments, enter credit card information, and generate receipts.

Paysafe’s cash discount plan allows you to pass 100% of your processing fees (1%–4%) to customers. You’ll still have to pay a $16.00/month fee, which isn’t ideal since some surcharging processors don’t charge a monthly fee. Alternatively, Paysafe offers a reasonably priced interchange-plus plan where you’ll pay 0.50% + $0.10 per transaction and $7.95/month.

Features and Benefits

• 260 payment methods. You can accept credit cards, debit cards, PayPal, Play+, Venmo, and more. This way, you can service any customer, no matter what odd situation they find themselves in while on the road.
• Reliable payouts. Every Paysafe merchant receives funds in 1-2 business days as standard. However, if you have urgent or last-minute expenses, like fixing broken gas pumps, you can pay extra for guaranteed next-day funding.
• Analytics software. Using Paysafe’s dashboard, you get access to your transaction history, monthly sales data, the ability to generate reports, and more. This helps you monitor your margins and ensure your business is competitive against neighboring gas stations.
• Compliance and security. Each device offered by Paysafe is EMV level 1 and 2 approved and PCI-certified and uses tokenization, end-to-end encryption, and more. This ensures you can safeguard your customer’s information and reduce the risk of fraud or chargebacks.

Read our extensive Paysafe review to learn more about its features.

2. Leaders Merchant Services: Negotiable Rates and Robust POS Equipment for Gas Stations

Leaders Merchant Services (LMS) offers processing fees starting at ~0.15% + $0, one of the lowest I’ve seen in the industry. If you already have a payment processor, LMS even guarantees to match or beat your current rates – if it can’t, you’ll get a $200 gift card just for letting its team review your statements.

LMS also provides top-tier POS equipment from SwipeSimple and Clover, including the Clover Station and Clover Mini. These systems come with built-in tools for managing daily operations, plus the option to download apps for reporting, analytics, accounting, tax, and employee scheduling.

If you need extra funds for your gas station – whether for new signage or state-of-the-art gas pumps – LMS offers cash advances with flexible repayment, deducting a small percentage from future sales. Just keep in mind that becoming an LMS merchant may require signing a three-year contract. The upside is there are no cancellation fees.

Features and Benefits

• Free POS equipment. LMS provides free equipment when you commit to a long-term contract, helping you save on upfront costs. You’ll get reliable options like the First Data FD150 or Magtek Mini-MICR, ensuring smooth and efficient transactions.
• Flexible payments. In addition to all major credit and debit cards, LMS lets you accept payments from Google, Apple, and Samsung Pay. If you’ve purchased a Clover terminal, you can also accept PayPal and Venmo payments.
• High approval rates. Not only is the application process easy, but LMS also approves 98% of merchant accounts. Once you’ve signed up, you can begin processing payments within 24 hours.
• Security. LMS’s advanced security measures, which include PCI compliance, end-to-end encryption, and tokenization, ensure the security of your customers’ financial information and reduce the risk of fraud and disputed payments.

Our expert LMS review has more info about rates.

3. PaymentCloud: High Approval and Personalized Assistance for Gas Stations

PaymentCloud’s 98% approval rate makes it a strong choice for high-risk businesses like gas stations. With a strong chance of approval, you can start processing payments quickly, avoiding unnecessary delays. PaymentCloud also provides specialized pricing plans (starting from 3.95% + 15¢) designed to meet the unique needs of gas stations and other high-risk industries.

Beyond its impressive approval rate, PaymentCloud assigns you a dedicated customer support representative when you first contact the support team. This personal guidance streamlines the sign-up process, ensuring a smooth onboarding experience.

I was also impressed by PaymentCloud’s free equipment offerings, including POS kiosks, wireless terminals, and mobile card readers. All terminals are compatible with EMV and NFC technology, and mobile readers are compatible with both iOS and Android. Just note that if you close your PaymentCloud account, you must return the equipment.

Features and Benefits

• Support for existing equipment. If you already own a reader or terminal, PaymentCloud will reprogram it for free, ensuring seamless integration with its processing system. This saves you the cost of purchasing new hardware.
• Comprehensive fraud protection. PaymentCloud provides IP tracking, automatic fraud alerts, and temporary payment halts to help detect and prevent fraudulent activity. It also claims to help merchants win up to 45% of chargeback disputes.
• Assistance with PCI compliance. PaymentCloud helps you obtain PCI certification at no extra cost, ensuring your gas station meets industry security standards. This protects your customers’ information and helps you avoid non-compliance fees.
• Wide range of funding options. If you need steady cash flow for fuel inventory, maintenance, or daily operations, PaymentCloud offers quick funding solutions. Eligible businesses can receive funds in as little as 24 hours.

Read our expert PaymentCloud review for more details.

4. CardX: Automated Surcharging for Zero-Cost Gas Station Transactions

CardX automatically detects debit card transactions and prevents any surcharge – even if the customer selects “credit.” This feature is great for gas stations, where customers often use debit cards for fuel purchases. It ensures compliance with regulations prohibiting debit card surcharges while keeping transactions fair for your customers.

With CardX’s zero-cost surcharging, customers pay a flat 3.5% customer surcharge surcharge fee when using credit cards, while debit card transactions incur a small 1% + 25¢ fee.

CardX provides a Verifone VX520 POS terminal with EMV Quick Chip and its proprietary software pre-installed. While this is a nice offering, I don’t like that you’ll have to pay a $35 monthly rental fee for the POS terminal. If you want to cut costs, the Magtek card reader CardX offers for a one-time $120 payment might be a better choice.

Features and Benefits

• Seamless surcharge compliance. Surcharging rules vary by state, card type, and issuing bank, making compliance tricky. CardX simplifies the process by handling all necessary registrations with card brands.
• Free signage. CardX provides ready-to-display signage for your gas station, helping you clearly inform customers about surcharges. This transparency manages expectations and keeps you compliant with disclosure requirements.
• Regular fraud monitoring. CardX actively monitors transactions to detect and prevent fraudulent activity, protecting both your business and customers from security breaches and financial losses.
• 24/7 customer support. Get round-the-clock technical assistance, with phone and live chat support available Monday to Friday, 7 AM – 6 PM CST. This ensures quick issue resolution and minimal downtime for your gas station.

See our in-depth CardX review for more features.

5. Stax: Best for Established, Multi-Service Gas Stations

By eliminating the percentage markup other credit card processors typically charge on transactions, Stax can help you save on credit card processing fees. You’ll pay a $99.00 monthly membership fee and a small 8¢ + interchange (in-person) fee on each transaction. This makes it easier to project your monthly revenue and keep track of your business’s finances.

Stax offers an additional advantage by seamlessly integrating with numerous popular business management tools, including those for tasks such as inventory tracking, automatic low-stock alerts, and the provision of easily comprehensible sales data. This proves to be of immense benefit to gas stations that operate convenience stores or provide maintenance and repair services, as it assists them in efficiently managing inventory and monitoring the demand for their products.

Stax can provide good value if you process at least $8,000 in monthly transactions because its plan fees can be steep for lower volume gas stations. The higher your transaction volume (up to a maximum of $500,000 per year), the more likely you are to save with Stax.

Features and Benefits

• Free terminal. Stax offers a free POS terminal or mobile reader with any plan, though you’ll have to return the equipment if you cancel your plan. If you install Stax’s mobile app on your smartphone or tablet, you can use your device as a terminal.
• Financial management. Another perk Stax offers is integration with QuickBooks accounting tools. Though you’ll have to pay extra for this feature, you’ll get all the tools you need to manage your finances in-house.
• Secure payments. As well as being a level 1 PCI-compliant payment processor, Stax offers advanced fraud detection, payer verification, and end-to-end encryption, so you can be confident that your and your customers’ financial information is safe.
• No-fee surcharging. Passing the cost of your credit card processing fees onto your card-paying customers can save your business a substantial amount. Just be aware that surcharging is not allowed in every state.

Read our expert Stax review to learn more about features.

6. Payment Depot: Affordable and Transparent Processing for Gas Stations

Payment Depot is a great choice for smaller gas stations or those with fluctuating sales volumes. Payment Depot’s transparent Interchange+ pricing model, starting at 0.2%-1.95% per transaction, comes with no monthly fees, allowing your station to avoid fixed costs. This flexible structure ensures you only pay for what you process.

When you open a merchant account, you’ll receive a free Dejavoo Z11 terminal – with the option to negotiate for more terminals. However, the Dejavoo terminal lacks business management tools, so Payment Depot’s paid terminals may be preferable. The paid options include the Clover Flex terminal, which allows you to process payments and manage your business from anywhere.

I was disappointed to learn that Payment Depot doesn’t offer same-day deposits, even as a paid option. That said, Payment Depot provides funding within 24 – 48 hours by default at no extra cost – a significant advantage for smaller gas stations that need quick access to funds. Plus, the setup process lets you apply, get approved, and start accepting payments within 24 hours.

Features and Benefits

• All-in-one payment dashboard. If your gas station includes a retail store, you can encourage your customers to spend more by using Payment Depot’s dashboard to offer discounts and run promotions.
• Responsive live chat. You can get a response from Payment Depot’s support team in less than 5 minutes if you use its live chat during regular business hours (8:30 a.m. – 7:30 p.m. EST & PST). Outside of these hours, you can use its phone or email support.
• Security. Payment Depot is PCI and GDPR-compliant and offers end-to-end encryption and tokenization, ensuring your customer’s financial data and card information stays safe at all times.
• 24/7 risk monitoring team. If you run into chargebacks, you can dispute them and compile evidence in your favor from your account area. Plus, Payment Depot’s risk monitoring team will regularly notify you of potential fraud threats and trends.

To find out more, read our comprehensive Payment Depot review.

7. Chase Payment Solutions: Quick and Easy Payment Processing for Gas Stations

Chase Payment Solutions is a great choice for gas stations looking for quick and easy payment processing. You won’t be charged monthly fees and will pay 2.6% + 10¢ for card-present transactions and 3.5% + 10¢ for keyed-in transactions. In addition, traditional merchants benefit from monthly contracts with no cancellation fees. If you own a high-volume gas station, you can contact Chase to request lower fees – although you may be stuck with a long-term contract.

Using one of Chase’s business checking accounts gives you free same-day funding. Better yet, if you keep at least $2,000 in your checking account per day, Chase will waive its $15/month fee.

In terms of POS systems, Chase is quite limited compared to other payment processors. Chase only offers its own terminals to new merchants, so you won’t have access to popular brands like Clover – meaning you may have to replace your device if you change your payment processor. Chase’s hardware isn’t free but reasonably priced, ranging from $49 to $499.

Features and Benefits

• Customer insights. You can use Chase’s intelligence platform to analyze when your customers shop and how much they spend. Thus, you can find the best time to schedule fuel deliveries and fix broken pumps.
• Payment methods. With Chase, you can ensure customer satisfaction by accepting most credit cards, debit cards, and digital wallets. If one of your regular customers forgets their means of payment, they can also pay by link.
• Capital loans. If you need to fix, modernize, or expand your station, Chase offers loans of up to $500,000. The interest rates and loan terms vary but are flexible.
• QuickBooks. Chase can automatically sync your payments with QuickBooks Online at the end of each day, so you don’t have to manually input the thousands of transactions you’ve processed.

Read our expert Chase review to learn more.

8. POS Pros: Custom Gas Station Point-of-Sale Solutions

Recognizing that gas stations have specific processing needs, POS Pros helps you choose the right POS equipment for your gas station and the services you offer: fuel sales, auto repair, car wash, or convenience store.

Recommended POS solutions like the Ruby SuperSystem come with fully integrated software products that help you run your gas station’s front and back-end business. This all-in-one POS solution includes special features like tank level monitoring, electronic price controls, and loyalty programs like POP fuel and Mix & Match.

Unfortunately, these technologically advanced systems don’t come cheap and POS Pros doesn’t offer them for free. That said, its interchange-plus and tiered plans are competitively priced, and all plans are month-to-month with no cancellation fees.

Features and Benefits

• Virtual system demos. This standout feature allows you to test the interface and features of recommended POS systems before you commit. Whether you’re a new business owner or looking to upgrade your POS hardware, this can help you avoid buying costly equipment that doesn’t suit your needs.
• Secure and convenient payments. Your customers can quickly and safely pay in a number of ways: by credit/debit card, EMV chip card, or contactless payments at the pump or inside the store.
• Cash discount program. POS Pros offers a nationwide cash discount program that reduces credit card processing fees. Customers paying with cash get a 4% discount, while card payments include a 4% service fee to cover processing costs. This plan even includes a free Dejavoo Z11 terminal.
• Loyalty programs. Offering regular customers perks like gift cards and the option to enroll in a loyalty program can help small gas stations compete with big discount retailers that sell fuel at lower prices.

Read our in-depth POS Pros review for more details.

How To Choose the Right Gas Station Credit Card Processing Company for Your Needs

Choosing the best payment processor will vary depending on the services you offer, how established your business is, and the volume of transactions you typically process.

If you’re looking for a payment processor with solutions tailored to gas stations, Paysafe is my top recommendation due to its petroleum-focused payments partner. It also provides a free mobile card reader and an app to transform your phone into a POS terminal.

Leaders Merchant Services is an excellent choice for competitive rate negotiations on your gas station’s payment processing. With low fees, cutting-edge POS equipment, and a commitment to matching or beating your current rates, it empowers you to secure a cost-effective solution tailored to your budget.

Go with PaymentCloud if you’d like hands-on support with every aspect of payment processing for your gas station. With an impressive 98% approval rate, your chances of acceptance are significantly higher. Plus, you’ll receive a dedicated account manager to guide you through the entire process, ensuring a smooth and hassle-free experience.

I’ve put together a quick overview of each payment processor’s pricing and fees to make it easier to decide on the best service for your business.

FAQ

What’s the best credit card processor for gas stations?

Paysafe is the best credit card processor for gas stations. Through its partnership with Petroleum Card Services (PCS), it integrates with all pay-at-the-pump terminals, including Gilbarco Passport, Verifone Commander, Fuelmaster, and more. Plus, Paysafe has extremely low transaction fees, accepts 250+ payment methods, and provides its merchants with a free mobile card reader.

What is the credit card processing fee for gas stations?

It depends on the payment processor you choose. For instance, Leaders Merchant Services charges ~0.15% + $0 per transaction, but it still allows you to negotiate a more suitable fee. Paysafe’s fee starts from 0.50% + $0.10 but you can waive the entire fee if you go for its Cash Discount Plan, which lets you pass on the transaction fees to your customers. Keep in mind that you’ll still have to pay a $7.95 monthly fee.

What are the best credit card readers for gas stations?

Some of the best credit card readers for gas stations include Verifone’s payment terminals, Gilbarco’s POS terminals, and Payanywhere’s mobile solutions. Gas station payment processors like PaymentCloud and Paysafe often offer these card readers – sometimes for free or with a discount.

Which credit card processor offers the best rates for gas stations?

It depends on the volume of your gas station’s transactions and the individual ticket amount. Multi-service stations that offer repair services will find Leaders Merchant Services offers the best rates for their business, while gas stations that exclusively sell fuel may save with Paysafe because of its lower monthly fee.

Our expert review of the 10 best credit card processing services can help you choose the best one for your gas station.