Merchant processing, done right

Stop overpaying interchange.

Most merchants are paying 30 to 60 percent more in processing fees than they should. We fix that with real interchange optimization, transparent pricing, and zero junk fees.

Trusted by Planet Hollywood, REX MD, Bravo, Buca di Beppo, Shapiro MD, Earl of Sandwich
Savings Calculator Live
$120,000
2.95%
Estimated annual savings
$4,320
$360 / month
See your real numbers

Estimate based on typical L2/L3 optimization + fee cleanup. Actual savings depend on current contract.

Brands that trust us
What we do

Every payment surface, one partner.

From in-restaurant POS to high-risk eCom to consumer financing. One processor, one statement, one team.

Merchant Processing

Credit and debit card processing with interchange-plus pricing. No hidden fees, no arbitrary rate hikes, no surprise statements. Card-present and card-not-present in one account.

High-Risk Processing

Telehealth, supplements, subscription, CBD, firearms, adult, gaming. We place merchants where banks say no, with transparent reserve terms and chargeback support that actually answers the phone.

Point of Sale

Full POS systems for restaurants, retail, and hospitality. Front-of-house, kitchen display, online ordering, gift cards, loyalty. Reprogram your existing terminals or upgrade to current hardware.

Web and eCommerce

Hosted payment pages, gateway-integrated checkouts, recurring billing, tokenized vaults, 3DS2 authentication, and one-click upsells. Native integrations with Shopify, WooCommerce, BigCommerce, and custom stacks.

Terminals and Equipment

Most modern terminals (Verifone, Ingenico, Dejavoo, PAX, Clover) supported out of the box. Reprogram what you have. Buy new without lease scams. Same-day shipping on most hardware.

Consumer Financing

Offer your customers point-of-sale financing on tickets from $300 to $50,000. Soft pull, instant decision, no recourse. Lifts AOV without lifting your collections risk.

Non-qualified rate (the trap) 2.95%
Mid-qualified (most processors) 2.10%
Level 2 / Level 3 qualified 1.15%
The actual moat

Interchange optimization, in plain English.

Every Visa and Mastercard transaction is categorized into hundreds of interchange tiers. Most processors let you fall into the expensive ones by default. We don't.

We submit Level 2 and Level 3 data (PO numbers, tax, line items) on every eligible transaction, automatically.
B2B and government transactions get the best rates instead of the worst.
Restaurants and retail get tier optimization on debit, rewards, and corporate cards.
You see the savings line by line on your statement. No black box.
Security posture

Three layers between card data and your liability.

P2PE

Point-to-Point Encryption

Card data is encrypted at the terminal and never exists in plaintext anywhere on your network. Your systems carry tokens, not card numbers.

PCI Scope

PCI Scope Reduction

P2PE plus tokenization shrinks your PCI scope from a 300-question SAQ to a 22-question SAQ P2PE. Hours of audit work, not weeks.

EMV

EMV + Contactless

Chip and tap on every terminal we ship. Fraud liability shifts to the issuer for present-card transactions, where it belongs.

How onboarding works

From rate review to live processing in 48 hours.

Free rate review

Send us a recent processing statement. We map every fee, every interchange tier, every junk line item. You get a written analysis, side by side with what we'd quote.

Day 0 / 15 min call

Underwriting and approval

Standard merchants approve same day. High-risk and complex cases approve in 24 to 48 hours. No bait-and-switch on terms.

Day 1

Live and processing

Hardware ships same day. Gateway credentials go live. Our team handles the integration call with your developer or POS vendor. You're processing on day two.

Day 2
No commitment, no sales pitch

See exactly what you're overpaying.

Send a recent statement. We send back a line-by-line analysis. If we can't save you money, we'll tell you that too.