Online & Point of Sale Payments

Square Payments & POS

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Square Payments is seen as the innovator in making electronic business payments fast, easy and painless. Their ability to change the way people accept credit card payments makes them the catalyst for the creation of other personal payment apps such as Venmo(a Paypal company). Square integrates with multiple website platforms seamlessly, enabling easy transitions from informational websites to e-commerce ones. They also offer invoicing, recurring payments and more. 


Options: Handheld bluetooth chip reader, Handheld bluetooth contactless payments(Apple Pay, Google Pay, etc), swipe & manual entry phone/tablet payments, computer terminal payments, Tablet/iPad POS systems.

Shopify POS & DIY Website

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Shopify is the originator of the DIY web store bundled with a brick & mortar basic POS system. Over the years their offering has grown somewhat more sophisticated. While we don’t recommend them for growing and enterprise level business, they do handle small business needs quite well. BE AWARE: You need to sign up for Stripe Payments to use their system, unless you want to pay a full 1% fee on top of your preferred card processors rates. Shopify’s strength has always been it’s easy layperson setup. If you’re a Do It Yourselfer you’ll appreciate this system!


Options: Tablet/iPad POS systems with or without a DIY Website

Authorize.net Gateway

People purchsing goods e-commerce online shopping

Authorize.net is the Granddaddy of online payments. Their gateways are essential tools for accepting credit cards via the web, in conjunction with traditional merchant processing accounts. They charge a straightforward monthly service fee + a small fee per transaction in order to provide the secure, encrypted avenue for the customers information to reach your processor and return an authorization to you. Every website not utilizing an all in one service, like Square or Paypal, needs a reliable, trusted gateway.


Options: Online Payment Gateway for E-commerce & Merchant Manual Entry, Phone/Tablet App for Mobile Payment Processing.

Whether you are just getting started or have an existing merchant services account, we’re certain the companies we partner with can meet your needs while providing you with outstanding service! They offer processing that can be done via traditional terminals, computers, iPad’s or other mobile devices and can function independent of, or as part of, a POS system. We can recommend the right processor and the right POS for your business after a brief consultation. We are independent agents who can find the right solutions for you based on years of experience & inside industry knowledge. Did you know that a good portion of those “unavoidable & necessary” charges on your merchant account statement could very well be flexible? Your agent or processor may not think so, but we know so & can help you avoid that and have transparent (and simplified) fees! Our recommendations are always based upon what provider will give you the best ROI… or to put it plainly, the most bang for your buck! You can have a fully functional, very modern & useful POS system for as little as $49 per month! Yes, we’re serious! Most local independent businesses would do very well with this system. If, however, you have grander plans for your business you can take it up a notch to $79 per month. Still not bad. These are only 2 examples among a plethora of options available today. We are happy to help you determine what will suit you best.

Just contact us for a FREE, no obligation consult!


FAQ’s About Merchant Accounts & Credit Card Processing

What is a Merchant Account and why do I need one?
A merchant account is an account set up through a credit processing company or a bank to accept and process charge card orders. Without a merchant account, you cannot accept payments by any of the major credit card brands, as a business. There are companies that allow instant payments between individuals, but be aware: These accounts do not protect your business from a disputed transaction or any other such scenarios. This means using Venmo, Paypal “friends & family” payments, Square Cash App and others like this could hurt you in the long run. A merchant account with a bank, Square Payments, Paypal Business Payments and other business processors is the only way to ensure you’re meeting industry requirements and regulations for your customers AND you are protected as the merchant/seller of goods and services.

What credit cards can I accept?
Most, if not all, processors allow you to accept all major card brands including: Visa, MasterCard, American Express, Discover, Diners Club, as well as all major Charge (Debit) Cards.

How long does it take for the money to reach my bank account?
It normally takes approximately 1-3 business days (depending on your bank) for the funds to reach your bank account. However, Square payments offers instant deposit for a very small fee at the time the deposit is initiated.

What is an Issuer?
The issuing financial institution extends credit to a cardholder through bankcard accounts. The financial institution issues a credit card and bills the cardholder for purchases against the bankcard account. Also referred to as the cardholder’s financial institution.

What is an Interchange Fee?
The standardized electronic exchange rate of financial and non-financial data associated with sale and credit data between merchant acquirers and card issuers on various types of transactions.

What is a Processor?
A Processor is the company that actually routes an Authorization Request from a Point-of-Sale device to Visa or Master Card, and then arranges for Fund Settlement to the merchant.

What is the Payment Card Industry (PCI) Data Security Standard (DSS)?
The PCI Data Security Standard represents a common set of industry tools and measurements to help ensure the safe handling of sensitive information. Initially created by aligning Visa’s Account Information Security (AIS)/Cardholder Information Security (CISP) programs with MasterCard’s Site Data Protection (SDP) program, and Discover Information Security Compliance (DISC), the standard provides an actionable framework for developing a robust account data security process – including preventing, detecting and reacting to security incidents. The core of the PCI DSS is a group of principles and accompanying requirements, around which the specific elements of the DSS are organized. See PCI Compliance.