Less Friction.Smoother Payments.
We've been in your shoes. So we built processing without the padded rates, the lock-in, or the runaround. High-risk welcome.
Square
UnionEverything You Need, Made Simple
Credit card processing and full merchant services, without the reps or the runaround. Open any solution to see how it works.
What You're Overpaying
Type your numbers or drag the sliders. No statement, no email, no call required.
Take Payments From Anywhere
We onboard merchants worldwide and settle in local currencies, card-present and online. Wherever your customers are, the money clears.
Merchants Who Made the Switch
Real operators, real statements, real savings. The rail pauses when you hover it.
Honestly I only called to get a second opinion. They went through my statement and showed me about $400 a month I was paying in stuff I could not explain. Switched the next week.
My terminal quit on a Saturday afternoon, which is our busiest day. I called and a real person picked up and had me running again in maybe twenty minutes.
Two processors turned us down for being high-risk. These guys actually asked what we sell instead of just running us through a checklist. Been almost a year, no holds.
We were nervous about the cash discount thing. A few customers asked about it the first week and that was it. Our processing bill is basically nothing now.
I am not a numbers person. They went line by line through three statements with me on the phone until I actually understood what I was paying for.
Paperwork Monday, approved Wednesday, terminals here Friday already set up. I plugged them in and they worked, which was not my experience last time.
We kept our Clover. I was worried we would have to retrain everybody and we did not have to change anything at the counter. Just the rate.
Opened our second store and it was on the same account in about a week. Did not have to fill out the whole application again like I expected.
I asked for the actual numbers before signing and they sent them. Same numbers that showed up on the first statement, which is more than I can say for the last guy.
Our website orders and the register used to land in two different places. Now it is one deposit and my bookkeeper stopped complaining at me.
Got hit with a chargeback in December, first one ever, and I had no idea what to do. They told me what to send and we ended up winning it.
No lease, no cancellation fee buried in there, no PCI charge showing up out of nowhere. It has been boring, and after my last processor that is a compliment.
Questions We Get Every Week
Straight answers. If yours isn't here, call and ask. We'll tell you the same thing on the phone.
How long does approval take?
Approval takes about three business days. Equipment follows once you're approved. Terminals arrive already programmed for your account, so you can take payments the day they land.
Is there a minimum volume?
Yes. We work with merchants processing $15,000 a month or more. Below that, the savings usually don't justify a switch, and we'll tell you so rather than sign you up.
What is cash discount, and how is it different from surcharge?
Cash discount lets you pass essentially all processing cost through to the transaction while offering a lower posted price for cash. It produces the highest margin of the three programs and is our most popular.
Surcharge adds a flat 4% to card-paying customers only. Cash and debit are unaffected.
Traditional keeps you absorbing the cost on Interchange+ or flat-rate pricing. Hybrid is usually the best fit when credit cards specifically are the bulk of your volume.
Let's Get You Started
Fifteen minutes on the phone. Send your last three statements and we'll show you the real number, or just ask questions. No obligation either way.