Take cards in store, online, on the go and over the phone — with the terminals, POS, gateway and bank payments behind them, set up around how your business actually runs.
Illustrative diagram of the acceptance path. Funding schedules are set at account setup.
Payment processing is what turns a customer paying into money in your account. These are the ways that can happen — and they run on one merchant account, so adding a channel later is a configuration change rather than a new relationship.
Chip, contactless and swiped cards at the counter, at the table, or at the dispenser. For most brick-and-mortar businesses this is where the revenue is, so the terminal decision matters more than any other one on this page.
Take cards through your website, a hosted checkout page, or a payment link sent by email or text. The gateway replaces the card number with a token, so card data is not sitting on your own systems.
A handheld or paired reader closes the sale where it happens — at the table, on a service call, at a market stall, on delivery. It runs the same transaction your countertop terminal would; only the form factor changes.
ACH and eCheck debit a customer’s bank account directly. They suit invoices, memberships, payment plans and larger tickets, where card cost and card limits start to get in the way.
Store a customer’s card or bank details once, as a token, then charge on the schedule you agreed. Useful for memberships, retainers, service plans and installments.
A virtual terminal turns any computer into a payment device for telephone and mail order sales. Useful for phone bookings, deposits and back-office payments taken nowhere near a counter.
Six steps, and your customer sees exactly one of them. Hover or focus a stage to follow the route.
Your customer taps, dips, swipes or enters card details at checkout.
The card, wallet or bank account is read by your terminal, POS or checkout page and encrypted immediately.
The details are replaced with a token, screened for risk and sent for authorization — and this is where the transaction appears in your reporting.
The request travels the network to the bank that issued your customer’s card.
The issuing bank approves or declines against available funds and its own checks, and the answer returns to the terminal.
Approved transactions are batched and funded to your bank account on your funding schedule.
Steps 02 to 05 finish while your customer is still standing there. Settlement is the part that runs on a schedule — the one agreed when your account is set up.
Fast checkout, clean returns and exchanges, and equipment that actually fits behind a counter.
Tableside payments, tips and splits that don’t slow a rush, and reporting that reconciles at close.
Forecourt and store acceptance on one account, so fuel and in-store sales reconcile together.
Checkout at the chair rather than the front desk, with tips captured at the point of sale.
Invoice, phone and recurring payments for businesses without a storefront.
A terminal takes the payment at the counter, a POS runs the sale around it, and a gateway does the same job for payments that arrive without a card in the room. Which of them you need follows from how you sell — and it is configured before it ships, so it arrives ready to take payments.
Flexible equipment options are available, including zero-upfront equipment options for qualified merchants.
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Compare your current processing costs and get an estimated savings opportunity.
Processing cost is not one number. It moves with your business type, your card mix, your average ticket, your monthly volume, and how much of your business is card-present rather than keyed or online — so we start with your current statement instead of quoting a rate.
Estimates only. Final pricing requires statement analysis and approval.
Most merchants end up with a processor, an equipment vendor and a funding company who have never spoken to each other. Here they are the same conversation — so the terminal suits the program, and the funding review already knows your volume.
If your question is about your own account, the fastest answer comes from someone looking at your statement.
Talk to SalesIt is what happens between a customer paying and the money reaching your bank account. The card, wallet or bank details are captured at your terminal or checkout, sent for authorization, approved or declined by the bank that issued the card, then settled into your account on a funding schedule.
Yes, and on the same merchant account. In-store acceptance runs through a terminal or POS; online runs through a gateway using a checkout page or a payment link. Both report in the same place, so you are not reconciling two systems or holding two relationships.
You need one to accept payments where the card is not physically present — a website checkout, a payment link, a stored card billed on a schedule, or a keyed phone order. For payments taken at a counter, the terminal usually does that job itself — so which you need follows from how you sell.
Often, yes. It depends on the make and model, whether the equipment is locked to your current processor, and what you need it to do. That gets checked before any equipment change is recommended — replacing hardware that already works is the last option, not the first.
Yes. ACH and eCheck move funds bank to bank and are commonly used for invoices, memberships, payment plans and larger tickets. They are priced differently from card transactions and settle on a different timetable, so they normally sit alongside card acceptance rather than replacing it.
Brick-and-mortar and service businesses across retail, restaurants, fuel and convenience, salons and spas and professional services — single-site operators and businesses running several locations on one account alike. Selected higher-risk categories are reviewed case by case, and every account is subject to underwriting and approval.
By your business type, monthly volume, average ticket, and how your transactions split between card-present, keyed and online — each of those moves the cost differently. Rather than quote a rate before seeing any of it, we review a recent processing statement and put the numbers side by side. Any figure shown before that review is an estimate, not an offer.
A recent processing statement if you already take payments, basic business and ownership details for underwriting, and a picture of how you sell — counter, online, mobile, invoice, or some combination. From there you get a written comparison and a recommended setup before anything is signed.
Processing built around your business.
Restaurant-ready POS, pay-at-table handhelds and equipment with no upfront cost for qualifying merchants. We start with a statement analysis — nothing changes until the numbers make sense.
Promotional terms and eligibility apply. Estimates only. Final pricing requires statement analysis and approval.
