Merchant services in Phoenix & Tucson
Every way to get paid, set up by someone local.
Card processing, terminals, online payments and more, from one local contact.
At the counter, at the table, on the job site or online. We compare offers, set up the right equipment and stay on your account after you sign.
Credit card processing
A merchant account priced for how you actually sell.
Your merchant account is what moves money from your customer’s card to your bank account. The rate you pay for it has a bigger effect on your bottom line than almost anything else on your statement, and most business owners have never had it explained.
We start with your current statement and show you, line by line, what you’re paying today. Then we compare offers and set you up with pricing that fits your business: interchange-plus if you want full transparency, or flat-rate if you want one simple number. Your rate goes in writing, and we review it with you every year.
What's included
- Interchange-plus or flat-rate pricing
- Visa, Mastercard, Discover & Amex
- Apple Pay, Google Pay & tap to pay
- Next-day funding options
- Clear, line-by-line statement reviews
- Chargeback and PCI help
Card terminals
Countertop, wireless and pay-at-table.
Not every business needs a full POS system. Sometimes you need a reliable terminal that takes every kind of card, prints a receipt and gets out of the way.
We carry countertop, wireless and handheld terminals from brands like Valor and Dejavoo, and we’ll match the device to how you work: one register at the counter, servers taking payment at the table, or techs collecting in the field. Every terminal arrives programmed for your account, and we set it up and show your team how to use it.
What's included
- Tap, chip and swipe
- Tip prompts on screen
- Printed, email or text receipts
- Wi-Fi, Ethernet and cellular options
- Pay-at-table handhelds
- Programmed and installed by us
Online, invoicing & ACH
Get paid on your website, by text or over the phone.
More and more payments never touch a terminal. Customers want to pay a link you text them, an invoice in their inbox, or a checkout on your website.
We connect you to a secure payment gateway with a virtual terminal for phone orders, email and text invoicing, and a checkout that works with most website and shopping-cart platforms. For large invoices, bank transfers (ACH) usually cost far less than a card payment, and we can set those up too.
What's included
- Payment gateway & virtual terminal
- Email and text-to-pay invoices
- Website and shopping-cart checkout
- Recurring and saved-card billing
- ACH bank transfers for large tickets
- Secure card storage (tokenization)
Cash discount & surcharging
Lower your card costs, done by the rules.
Cash discount and surcharging programs let you pass some or all of your card processing cost to the customers who choose to pay with a card. Done right, they can cut your processing bill dramatically. Done wrong, they can get you fined or upset your customers.
We set your program up to follow card-brand rules: dual pricing or a cash discount on your menu and receipts, or a surcharge on credit cards only, never debit. We handle the required signage, receipt wording and processor setup so it’s right from day one.
What's included
- Cash discount and dual pricing
- Credit-only surcharging (debit excluded)
- Counter and door signage
- Receipt and menu wording
- Terminal and POS programming
- Help explaining it to your staff
Point of sale
The right POS system, set up at your counter.
When you need more than payments, like menus, inventory, employee permissions, online ordering or reporting, a POS system runs it all in one place.
We work with Clover, Square and Valor PayTech, so we're not tied to one brand. We'll recommend the system that fits how you run your business, build your menu or inventory before install day, train your staff on-site and stay your first call afterward.
What's included
- Clover, Square and Valor PayTech systems
- Countertop, handheld and self-order setups
- Menu or inventory built for you
- Online ordering and gift cards
- On-site install and training
- Local support after launch
Business funding
Working capital when you need it.
New equipment, a second location, inventory for the busy season or a cushion for a slow one: sometimes a business just needs cash to move forward.
Through our funding partners, we can help you apply for working capital based on your card sales history. The application is short, decisions are usually quick, and we walk you through the total cost and how repayment works, clearly, before you sign anything.
What's included
- Funding based on your card sales
- Short application
- Fast decisions in most cases
- Total cost explained up front
- Use it for equipment, inventory or payroll
- No pressure to accept an offer
Specialty accounts
Harder-to-place business? We’ll find a home for it.
Some businesses get turned down or shut off by the big payment apps: online-only sellers, subscription and membership businesses, high-ticket sales, new businesses with no history, or industries processors consider higher risk.
Because we work with more than one processor, we can place your account with the processor that best fits your business, and set it up so it stays approved. We’ll be upfront about what to expect on pricing and reserves before you apply.
What's included
- Online and e-commerce sellers
- Subscriptions and memberships
- High-ticket and high-volume sales
- New businesses with limited history
- Businesses shut down by payment apps
- Help with chargeback-heavy accounts
FAQ
Merchant services questions
Will switching interrupt my sales?
No. We set up your new account and equipment before you switch, then cut over at a time that works for you, usually before you open or after you close. Your old account stays active until the new one is running.
Am I locked into a long contract?
No surprises. We’ll walk you through every term of your agreement, clearly, before you sign. If something in your current contract worries you, bring it to your free consultation and we’ll look at it together.
Is cash discounting legal in Arizona?
Arizona allows cash discount and surcharge programs as long as they follow card-brand rules, such as clear signage and never surcharging debit cards. We set your program up to meet those rules.
How long does it take to get set up?
Most merchant accounts are approved within a few business days. Terminals are programmed and ready to go shortly after approval, and we schedule the install around your hours.
Do I have to change my POS to get a better rate?
Not always. Many businesses can keep their current equipment, and we’ll tell you upfront if yours can stay. If you’re ready for an upgrade, we can help with that too.
What should I have ready for a free consultation?
Just a sense of how you take payments today. If you have a recent processing statement, have it handy and we’ll show you, line by line, what you’re paying and whether we can do better.
Fifteen minutes to talk about how you get paid.
Tell us how you take payments today. We'll recommend the right setup and show you where you could save.
No cost, no obligation. If staying where you are is the better deal, we'll tell you.