Personal service, start to finish
The same team from the first conversation through the life of the relationship. You are not handed from a sales rep to a support queue once the account is boarded.
Trusted by
01 — Simplify
One relationship, one phone number,
One relationship, one phone number,
one team that knows your account.
Processing gets complicated at the moment something goes wrong. Simplify means the people who underwrote you are the people who pick up.
A direct line to risk management
You can talk to the risk professionals who make decisions on your account, rather than filing a ticket about them. Reserves and holds are the exception here, not the default posture.
Domestic US support
Support staffed in the United States, reachable during the hours you are actually taking payments.
Transparency into your analytics
Approvals, decline reasons, settlement timing, fees and chargebacks in one place — so you can see what your processing is doing without asking anyone to run a report.
02 — Supply
The account, the hardware,
The account, the hardware,
and the capital behind it.
A merchant account on its own is not a payments operation. Supply is everything that has to work alongside it.
Practically every business type
Including high-risk verticals that PayFacs decline or offboard outright. If a model can be underwritten, we will tell you what it takes — and tell you plainly when it can't.
Competitive interchange-plus pricing
Priced as interchange plus a disclosed markup, so you can see the cost floor the card networks set and exactly what sits on top of it. Your rate depends on your MCC, volume, ticket size and processing history.
Hardware, gateways and proprietary tools
Clover® POS, payment terminals and self-order kiosks through our TouchSuite® partnership — fit to the way you already sell, rather than forcing your operation to fit the processor.
Memberships and recurring billing
Built for subscription and continuity models: smarter retry logic, account updater, and the descriptor control that keeps recurring charges from turning into disputes.
Access to working capital
Merchant cash advance through TouchSuite® FlexCapital during the relationship — a purchase of future receivables rather than a loan, subject to separate underwriting and approval. Not a commitment to lend.
03 — High-risk industries
Secure, scalable payment
Secure, scalable payment
solutions for high-risk industries.
Your business is unique, and so are the challenges you face. Operating in a high-risk industry doesn't mean compromising on the quality of your payment solutions. Whether you're in topical CBD, firearms, supplements or another regulated market, we build processing that is secure, compliant and scalable around how you actually sell — and we have been underwriting several of these verticals since before they were mainstream.
Industries we serve
Topical CBD & hemp
Online gambling
Firearms & ammunition
Nutraceuticals
Telemedicine
Vape & e-cigarettes
Vitamins & supplements
Many others
Why these solutions work for high-risk businesses
04 — eCommerce
Power your online store with
Power your online store with
scalable payment solutions.
eCommerce is fast-paced and competitive, and payments are where a good funnel quietly leaks. Processing that integrates with the stack you already run — secure checkouts, clean integrations, and the reporting to see what your payments are actually doing.
Platforms and gateways
WordPress / WooCommerce
Shopify
BigCommerce
Magento
PrestaShop
Authorize.Net
NMI
Funnelish
Custom builds
Why these work for eCommerce businesses
Frictionless checkout
Fast, familiar payment interfaces that keep buyers moving through checkout, with support for major credit cards, digital wallets and alternative methods including Apple Pay and PayPal.
Global scalability
Multi-currency support and cross-border acceptance so you can sell into new regions without standing up a separate processing relationship for each one.
Secure transactions
Processing on a PCI DSS-compliant platform, with tokenization and fraud screening protecting both your customers' card data and your chargeback ratio.
Comprehensive analytics
Purchasing behaviour, sales trends, approval and decline performance in one place — so you can see which payment problems are costing you revenue rather than guessing.
Flexible integrations
Plug into Shopify, WooCommerce, Magento and custom-built storefronts, through either a hosted checkout or a full API integration depending on how much of the flow you want to own.
05 — Solutions
Gateways, accounting, and
Gateways, accounting, and
every channel you sell through.
The integration layer — what connects the merchant account to the systems you already run.
Payment gateways
Authorize.Net and NMI rather than a single mandated stack, with tokenization and hosted or API-based checkout depending on how much of the flow you want to own.
Accounting system integration
QuickBooks, Xero and FreshBooks, plus ERP platforms including Odoo and Zoho — settlement and fee data landing in the systems your finance team already closes the books in.
Omnicommerce
Card-present, online, mobile and recurring under one account and one set of reporting — multiple payment options without multiple disconnected relationships.
06 — Effective rate
The only number that settles it:
The only number that settles it:
total fees ÷ total volume.
Headline rates hide fixed fees on one side and per-transaction cents on the other. Put your real volume and average ticket in.
Your business
Transactions per month
The dedicated-MID quote
Defaults are illustrative. Replace them with the numbers on the actual proposal.
Side by side, per month
Illustrative
Flat-rate PayFac
in fees
Interchange-plus MID
in fees
Percentage fees, MID
Per-transaction fees, MID
Fixed monthly fees, MID
Verdict at this volume
Where the two lines cross
Holding your average ticket and this quote constant, interchange-plus overtakes flat-rate at roughly:
07 — What the pitch leaves out
Three things a switching pitch usually skips.
The headline rate isn't the cost
Traditional ISOs often carry monthly fees, statement fees, PCI non-compliance fees and gateway fees — sometimes inside multi-year contracts with early termination penalties.
"Faster funding" is situational
Improved funding is not guaranteed. It depends on your MCC, your risk profile, and the acquiring bank — get the timeline in writing or treat it as marketing.
At low volume, flat-rate usually wins
Once fixed fees are added in, the flat-rate simplicity of a facilitator often nets out cheaper than interchange-plus. The calculator above shows where that flips.
Send us one processing statement.
We'll send back the arithmetic.
A written effective-rate comparison, a full fee schedule, and a committed funding timeline for your MCC. If flat-rate is still cheaper for you, we'll say so.