The full gateway, activated for your business
Every gateway tool, fraud module, and integration in the stack — switched on for your merchant account, with 30-day risk-free trials on select services. One integration, one portal, everything you need to accept payments and protect them.
The payment infrastructure underneath everything.
Get approved to accept cards online or in person — even if you’ve been declined before
Card-present and card-not-present acceptance, placed with the acquiring bank and gateway that fit your risk profile
Pull payments straight from bank accounts — lower fees, fewer declines.
Bank-to-bank rails ideal for recurring billing, subscriptions, call centers, and service merchants — lower cost than cards, less fraud risk than checks.
Modern in-person acceptance, paired with a merchant account built for retail.
Inventory, reporting, and staff permissions come standard, so the system that takes the payment also helps you run the floor.
Automated enhanced-data processing for lower interchange.
Automatically optimize qualifying B2B and B2G transactions for lower interchange. BIN/IIN lookup detects company cards, the gateway submits enhanced data where it benefits you, and you can opt in or out at the merchant level.
Rule-based screening that catches it before it costs you.
Set value and volume thresholds by day, week, month, or year — across all processors or just one. Ban users by IP, card, country, or device; whitelist exceptions; and review flags in a color-coded portal.
Real-time alerts and dispute response that protect your MID.
Catch disputes early and keep your chargeback ratio in range — critical for staying approved and funded in high-risk.
Branded invoices customers actually pay.
Send branded email invoices with line-item PDFs. Customers click and pay by card, ACH, or cash; you take full or partial payments and store nothing sensitive. Multi-currency and reporting included.
Cloud A/R that pays you 15 days faster.
Integrates with QuickBooks Desktop, QuickBooks Online, and Xero. Custom-branded invoices, automated workflows, secure card & ACH acceptance, and onboarding in minutes. Reported outcomes: up to 20 hours saved weekly, 40% fewer overdue invoices.
Reduce PCI scope without rebuilding your stack.
Customer Vault and Token Vault tokenize cardholder data inside the gateway, so your environment never touches a PAN. The fastest path to lighter PCI obligations while keeping cards on file.
Pay-by-text with a 98% open rate.
91% of consumers message businesses by text. TXT2PAY sends payment requests with custom instructions, expiry dates, and merchant fields — and processes around 10× faster than emailed payment links.
Network tokens that lift approvals and cut fraud.
Swap raw card numbers for Visa and Mastercard network tokens. Cards refresh automatically from the issuing networks, declines and chargebacks fall, you can qualify for interchange savings, and liability shifts when paired with EMV 3DS.
Tokenized card storage, kept off your servers.
Store card and e-check details inside the gateway, never on your network. Reduce PCI scope, power recurring billing, invoicing, and one-click reorders, and reuse cards across in-person and online sales. PCI Level 1 compliant and white-labelable.
Stable in-person acceptance for businesses other providers won't support.
If your business is classed as high-risk, finding POS hardware that stays switched on can be a battle.
Keep recurring revenue flowing without chasing customers.
Up to 32% of subscription payments fail — and most of those failures are simply expired cards, not customers who want to leave.
No-code checkout buttons and links.
Generate checkout buttons or links that open a secure, conversion-optimized page — no developer needed. Add tax, discounts, images, multi-currency, and contactless QR flows. PCI scope stays low.
One-tap wallet checkout that lifts mobile conversion
Let returning customers check out with a tap on mobile and web — cutting cart abandonment and meeting digital-wallet expectations
Process inside QuickBooks — never leave it.
Pay invoices, generate sales receipts, run batch transactions, and view reports without leaving QuickBooks Pro, Premier, or Enterprise. Supports end-to-end encrypted, card-present swiped transactions.
Ready when you are
See if you're approved usually within one business day.
No obligation, no impact to your existing processing. Tell us about your business and we’ll find the route.