Industries · Startups & new business

A merchant account
for a new business

No statements yet? No problem. We set up the account, the pricing program, and the equipment from scratch, then train you on it.

Set Up My Business →

Or call 949-946-2442 or text us.

  • Restaurants
  • Retail shops
  • Salons
  • Contractors
  • Food trucks
  • Service businesses
Next-day fundingNo waiting on your money
Month-to-monthNo cancellation fee
Free equipmentIf you qualify. No lease.
24/7 supportExcept most federal holidays
The problem

Where new businesses get stuck.

The first payment setup a new business signs is often the hardest to get out of.

The first contract is often the worst

Long terms and cancellation fees signed before you know what you need.

Equipment you have to lease

Plenty of new owners end up paying for a terminal for years.

No statements to compare

Without statements, it's hard to know what fair pricing looks like.

Picking a POS before you open

It's hard to know which system fits before you've taken your first sale.

Most popular options

The setups new businesses pick most.

We recommend the setup that best fits the business you're opening.

Most popularClover Duo countertop POS

Clover

Counters, cafes, shops, and salons

  • Clover Mini, Solo, or Duo at the counter
  • Clover Flex and Clover Go for taking payments anywhere
  • Inventory, gift cards, and loyalty
  • Online ordering in the same Clover system
  • Dual pricing supported

Full Clover page →

FigurePOS register

FigurePOS

New restaurants

  • Tables, tickets, and modifiers
  • Kitchen display and self-order kiosk
  • Delivery app orders come into the POS
  • Dual pricing supported

Full FigurePOS page →

Material POS at a boutique counter

Material POS

New boutiques and shops

  • Checkout on the Material POS iPad app
  • Inventory that updates in real time
  • Products and orders synced to Shopify
  • Connects to QuickBooks
  • Dual pricing supported

Full Material POS page →

SwipeSimple app with the Swift B250 reader

SwipeSimple

Mobile and service businesses

  • Your phone or tablet becomes the register
  • Tap to Pay on iPhone, no reader needed
  • Swift B250 reader for chip, swipe, and tap
  • Invoices by email or text from the app
  • Dual pricing supported

Full SwipeSimple page →

Pricing options

Three ways to price a new business.

New businesses can start on interchange-plus or a $0-fee option. We walk you through both before anything is set up.

$0-fee option

Dual pricing

Two prices on every ticket: one for cash, one for card. Card customers cover the card cost. The card price applies to all cards, debit included.

Example: a sale with a $50.00 cash price shows a $52.00 card price, a 4% difference. This is an example, not a quote. Your card price is set when we set up your program.

How dual pricing works →

$0-fee option

Cash discount

One posted price, with a discount for customers who pay cash. We set up the signage and receipts so it's clear at checkout.

Cash discount vs. dual pricing →

One price for everyone

Interchange-plus

You pay what the card networks charge, plus a fixed markup you can see on every statement. Your customers see one price.

What is interchange-plus? →

Not sure which fits? Send your last 2 statements. We price each option against what you pay now and show you the difference in dollars.

Free rate analysis for new businesses →
What we handle

Start taking cards without getting locked in.

Ours is month-to-month, so the setup can change as your business grows.

Fast approvals

Many accounts are approved the same day.

Next-day funding

You get next-day funding, so you aren't waiting days for your own money.

Free equipment if you qualify

Terminals, POS systems, and readers at $0 upfront on approved setups. No lease.

Help choosing a POS

Clover, FigurePOS, SwipeSimple, Material, OctoPOS, or a simple terminal, matched to how you'll sell.

Month-to-month

No long-term contract and no cancellation fee on the processing agreement we set up.

Setup and training

Setup and training are part of the account.

Why new businesses choose us

What you get with every account.

Meet or beat. Already set up somewhere else? Show us your statement. We'll match or beat it whenever we can, and if we can't, we'll tell you straight.

Common questions

Straight answers.

I don't have statements yet. Can I still apply?

Yes. Tell us about the business and we'll set you up from scratch.

How fast can I start taking cards?

Many accounts are approved the same day, and qualifying merchants get new equipment free. Once you're live, you get next-day funding.

Do I have to buy equipment?

Qualifying merchants get terminals or POS at $0 upfront. We tell you what you qualify for before anything is ordered.

Still have a question? Call 949-946-2442 or text us.

Set Up My Business →

Other industries: Auto repair & tire shops · Detailing & car washes · Grocery & markets · Law firms & legal · Leaving Square or Stripe · Liquor stores · Medical, dental & healthcare · Memberships & recurring · Professional services · Quick-service & kiosks · Regulated & high-risk · Restaurants & bars · Retail & specialty · Salons, barbers & med spas · Trades & home services

Where we work

New businesses across Southern California, and nationwide.

Based in Orange County. We work with businesses by phone, text, and email, so there's no office visit needed.

Startups & new business · Free, no commitment

Opening soon? Let's get you set up.

No statements needed. Tell us about the business and we'll recommend the setup that fits.

Free rate analysis for new businesses →New Business? Start Here

Next-day fundingMonth-to-monthFree equipment if you qualifyCall or text 949-946-2442