Merchant services by industry, set up for how you get paid.

Why setup differs by industry

The card networks price and police payments differently depending on how a card is used. A chip card tapped at a grocery lane, a card number typed into a web form and a corporate card used to pay an invoice can each fall into a different interchange category. The rules for adding a fee, holding funds or adjusting a tip change too. A setup copied from another kind of business usually costs more than it should.

Where your customers pay

Some businesses take nearly every payment at one counter. Others take cards at the table, at the pump, in the stands, on a website and over the phone in the same day. Each place needs the right terminal, gateway or connection, and all of them should report to one place. See how this plays out for restaurants, fuel stations and hotels and venues.

How you get paid

A store gets paid at checkout. A school or a medical practice often gets paid on a schedule. A B2B company gets paid by invoice, sometimes by card and sometimes by bank transfer. Recurring billing, payment links and ACH matter more for some industries than others, and the right mix lowers the cost of getting paid.

Data you send and fees you can offset

Business customers paying with commercial cards can qualify for lower interchange when you send Level 2 and Level 3 data. Government offices often use convenience fees. Retailers and restaurants may look at surcharging or a cash discount program. Each follows its own card-brand rules, and some states add their own, so we help you check current rules before anything goes live.

What stays the same

Whatever your industry, you get Interchange-Plus pricing with our margin on its own line, no early termination fees, no non-compliance fees and a real person who answers when you call. Start with a free statement analysis and we will tell you exactly what you pay today.