Payment Processing & Merchant Services hero

Service

Payment Processing & Merchant Services

Payment processing built for in-store, online, and mobile acceptance, with guidance that helps businesses choose the right mix of devices, pricing, and workflows.

Find the right payment setup for your business.

Payment processing that matches how your business gets paid

Not every business needs the same terminal, pricing model, or acceptance flow. This page is built to show what payment processing covers, who it fits, and how the quiz helps narrow the right next step.

What this solution is

What this solution includes

  • Credit & Debit Card Processing
  • Contactless Payments (Tap to Pay, Apple Pay, Google Pay)
  • In-store, mobile, and virtual payment acceptance
  • ACH & Bank Transfers

How you can accept payments

  • Text-to-Pay
  • Payment Links
  • QR Code Payments
  • Recurring Payments
  • Subscription Billing
  • Customer Payment Portals

Common pricing paths

  • Flat-rate pricing
  • Interchange Plus Pricing
  • Dual Pricing and Cash Discount programs

Who it is for

Businesses that need a reliable way to accept payments, understand their options, and move into a setup that matches how they sell.

A strong fit starts with how you take payments today, what channels you need next, and how much visibility you want into pricing and reporting.

  • Retail, food and beverage, service, and field businesses that accept cards in person
  • Operators that also need invoices, payment links, or mobile payment acceptance
  • Businesses reviewing terminals, gateways, or ways to reduce payment friction
  • Owners who want a guided way to compare merchant-pay and customer-pay setups
Back to Services

Dual pricing, cash discount, and interchange-plus program availability may vary by business type, transaction profile, and regulatory requirements.

Why Businesses Choose It

Why businesses upgrade payment processing instead of piecing it together

One connected payment stack

Bring in-store, online, invoice, and mobile acceptance into a cleaner setup instead of managing disconnected tools.

A fit for how customers pay

Support chip, tap, wallets, card-not-present payments, and bank transfers where those methods make sense.

Clearer setup decisions

Choose between terminal-led, mobile, virtual, or blended acceptance with less guesswork around the right equipment and flow.

Pricing visibility

Review pricing models with a clearer understanding of where fees come from and which structure is more likely to fit your transaction mix.

Operational support

Get help with onboarding, device setup, funding questions, and day-to-day payment issues when you need it.

Faster funding visibility

Eligible merchants can access next-business-day funding, with a setup that makes deposit timing easier to follow.

Cleaner closeout workflows

Use scheduled batch handling and reporting tools to reduce end-of-day mistakes and improve reconciliation.

Reporting that helps decisions

Track transaction mix, funding activity, and payment patterns so owners can make better channel and pricing decisions.

Recommended Fit

Common payment setups and how businesses usually evaluate them

Merchant Pay

Flat Rate

Often considered by newer businesses or teams that want a simpler pricing structure.

  • One consistent rate across card types
  • Simple billing with fewer pricing surprises
  • Useful when stability matters more than micro-optimizing every transaction

Rates vary by business type, underwriting, and transaction mix.

Merchant Pay

Interchange Plus

Often reviewed by businesses that want more transparency into the underlying card costs.

  • Interchange cost plus a fixed markup
  • Stronger visibility into qualified transaction pricing
  • Often a fit for merchants with higher volume or varied card mix

Actual rates vary by card type, transaction method, and business profile.

Customer Pay

Dual Pricing / Customer Pay

A path some businesses explore when reducing processing expense is a major priority.

  • Card pricing and cash pricing are shown clearly to the customer
  • Debit handling and program setup are structured for compliance
  • Often the strongest path for merchants focused on lowering monthly fees

Program availability and compliance requirements vary by state, processor, and business type.

Customer Pay

Cash Discount

A cash-oriented approach that can lower processing costs when it matches the customer experience.

  • Encourages cash use through an immediate discount
  • Helps reduce card-processing burden for eligible merchants
  • Works best when customer communication and signage are consistent

Program structure should be reviewed for legal, operational, and customer-experience fit.

Take The Quiz

Take the quiz to see what fits your business, volume, and workflow

Not every business needs the same setup. The quiz helps narrow the right next step based on where you accept payments, what you process, and how you want the experience to work.

FAQ

Questions businesses ask when comparing payment processing options

What is the difference between payment processing and a POS system?+

Payment processing is the infrastructure that lets you accept card, wallet, and bank-based payments. A POS system adds business software on top of that, such as item management, staff controls, ticketing, and sales workflows. Some businesses only need payment acceptance, while others need a POS plus processing.

How do I choose the right device or setup?+

Start with where you sell: countertop, tableside, mobile, online, or a blend of channels. Then look at average ticket size, payment volume, connectivity, and whether you need features beyond payment acceptance. The quiz is designed to narrow those factors into a more practical recommendation.

Can I accept payments in-store, online, and on the go?+

Yes. Depending on the setup, you can combine card-present devices with mobile acceptance, payment links, invoicing, customer payment pages, and other remote payment tools.

Does the setup support chip, tap, and digital wallets?+

Most modern setups support EMV chip cards, contactless tap payments, and mobile wallets such as Apple Pay and Google Pay. Exact support depends on the device and platform selected.

Will I have reporting to track transactions and deposits?+

Yes. Reporting can help you review transaction activity, batch detail, funding timing, and channel mix so reconciliation is easier to manage.

How long does setup usually take?+

Setup time depends on underwriting, the equipment involved, and whether you are replacing an existing provider or building a new workflow. Simpler virtual or mobile setups can move faster, while multi-device or integrated deployments take longer.

Can I keep some of my current equipment?+

Sometimes. Equipment compatibility depends on the device model, processor requirements, security standards, and the workflow you are trying to support. It should be evaluated before assuming a device can be reused.

Can the right setup help lower payment costs?+

Potentially, yes. Lowering costs depends on pricing structure, transaction mix, business type, and whether merchant-pay or customer-pay programs are appropriate. The goal is to match the pricing model to the way the business actually processes payments.

How does the quiz help narrow the best fit?+

The quiz helps sort businesses by sales channel, payment volume, workflow, and setup needs so the next conversation starts with a narrower set of options instead of a generic quote request.

Trusted Network

American Express logoAmerican Express
Visa logoVisa
Discover logoDiscover
Mastercard logoMastercard
TSYS logoTSYS
Fiserv logoFiserv
Apple Pay logoApple Pay
Google Pay logoGoogle Pay

Take The Quiz

Find the right next setup for Payment Processing & Merchant Services

Take the quiz to share your business details, volume, and workflow. This helps narrow what you need next instead of pushing every business into the same recommendation.