Merchant Processing
Accept credit and debit card payments with transparent, true cost-plus pricing. We help businesses understand exactly what they're paying-and find savings.
Transparent Payment Processing
SpotOn Financial offers merchant processing services to help businesses accept credit and debit card payments. We use a "true cost-plus" pricing model, which means we disclose what fees are set by Visa, Mastercard, and other card networks versus what fees the processor or ISO adds.
We also offer auditing of your current merchant fees, helping you see if you're overpaying compared to what better rates might be available. Many businesses are surprised to find significant savings opportunities.
What We Offer
True Cost-Plus Pricing
We disclose what fees are set by Visa, Mastercard, etc. and what fees the processor adds-so you know exactly what you're paying for.
Merchant Fee Auditing
We audit your current merchant fees to help you see if you're overpaying and what better rates might be available.
Transparent Pricing
No hidden fees. We tell you exactly what part of each fee goes to card networks versus what we charge.
Next-Day Funding
Get quicker access to your funds with next-day funding options for many merchants.
Flexible Pricing Options
Dual Pricing / Surcharging
Legally compliant options to shift processing costs off credit card payments by offering a discount for cash or adding a surcharge for cards.
Flexible Terms
Many of our plans are month-to-month with no multi-year lock-in when you use our processing services.
Why Choose Our Processing
- Competitive rates, especially for businesses with good transaction volume
- Transparent fee structure with no surprises
- Free merchant processing audit to uncover potential savings
- Flexible month-to-month options available
- Hardware and software solutions tailored to your needs
Get a Free Merchant Processing Audit
Not sure if you're getting the best rates? We'll review your current merchant processing fees and show you where you might be able to save. The audit is free with no obligation.
Start Accepting Payments Smarter
Contact us for a free merchant processing audit and see how much you could save.