Solutions · Merchant services

Merchant services
priced around your business

Card processing for the counter, the job site, and online. One merchant account, pricing you can actually read, and a real person to call.

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Or call 949-946-2442 or text us.

What you can take

One account for every way you get paid.

PAX A35 countertop card terminal

PAX A35

Countertop

PAX A920 Pro handheld card terminal

PAX A920 Pro

Handheld

Clover Mini countertop POS

Clover Mini

Compact POS

SwipeSimple B250 card reader with phone app

SwipeSimple

Mobile

In person, on the go, and online

Pricing

Absorb the fee or offset it.

Your statements pick the winner, not a sales pitch. We price both and put them side by side.

Everything in one account

What we handle for you.

From the first statement review to the questions after you go live, you deal with us directly.

Free Rate Analysis

Every fee on your statements, line by line, next to what you'd pay with us.

Fast approvals

Many accounts are approved the same day.

Online payments

A gateway for your website, invoices, and recurring billing.

Reporting

Deposits, statements, and account details in your merchant login.

PCI compliance

A PCI compliance portal in your merchant login.

Chargeback tools

Chargeback alerts and tools on the PayBright Gateway to help cut down on disputes.

How it works

From statements to your first sale.

01

Send your statements

Your last 2 full monthly statements, every page. New business? Tell us how you plan to sell.

02

See both programs

Interchange-plus and dual pricing, priced from your numbers.

03

Get approved

Many accounts are approved the same day.

04

Start taking payments

Equipment set up, staff trained, and next-day funding.

Pairs well with: Interchange-plus · Dual pricing · POS systems · Payment gateways

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Industries

Merchant services for almost any business.

Restaurants and bars →

POS, tabs, kitchen screens, and online orders.

Retail and specialty →

Inventory, barcodes, and gift cards.

Grocery and markets →

EBT, scales, and fast lanes.

Trades and home services →

Payments on the job and invoices.

Medical and dental →

Patient payments and payment plans.

Law firms →

Retainers, invoices, and ACH.

Auto repair →

Shop software and fleet cards.

Regulated and high-risk →

Placement for harder-to-approve businesses.

Also included

The rest of the setup.

Next-day funding

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

Free equipment if you qualify

Terminals and POS at $0 upfront on approved setups. No lease. We match the equipment to how you 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.

No rate increases, ever

Your markup never goes up. Interchange is set by the card networks and can change.

24/7 processor & POS support

Processor and POS support is available 24/7, except most federal holidays. Day-to-day account questions come straight to us.

Common questions

Straight answers.

What does merchant services include?

Card processing for in-person, mobile, and online payments, plus the equipment, gateway, and billing tools that go with it, all on one merchant account.

Is there a contract?

The processing agreement we set up is month-to-month, with no cancellation fee.

How fast do I get paid?

You get next-day funding.

Do you post a rate?

No. Card mix and ticket size change the number. Your last 2 statements get you a real number, not a guess.

Can I take Apple Pay and Google Pay?

Yes. Our terminals, POS systems, and mobile readers take tap, chip, and swipe, including Apple Pay and Google Pay.

How long does setup take?

Approvals are fast, and many accounts are approved the same day. We give you a go-live date before anything changes.

Do I have to change my POS?

Not always. Our setup works alongside many systems, and we confirm whether yours can stay. If it's locked to its own processor, we plan a replacement before anything changes.

How do I leave my current processor?

We set up and test the new account first. You close the old account yourself once the switch is done, and our guide to switching processors walks through the steps.

Is PCI compliance included?

Your merchant login includes a PCI compliance portal. We'll walk you through what your business needs to complete.

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

Get My Free Rate Analysis →New Business? Start Here

Other solutions: All solutions · Business funding · Gift cards & loyalty · High-risk processing · Invoicing · Mobile payments · Payment gateways · QuickBooks integrations · Recurring billing · Virtual terminals