​Is your business suffering from high credit card merchant fees? Contact us today for a FREE Merchant Evaluation today. Call or fill out the form here.  You will be glad you did!

When you set up to accept credit cards with Payment Solutions you WILL receive the lowest merchant service rates in the country. No matter who you currently process credit cards with we are confident that we will meet or beat your current credit card processing rates.   We also offer a free credit card terminal program. No hidden fee's, no setup
fee's ever. 

 Is your business suffering from high credit card merchant fees? Contact us today for a FREE Merchant Evaluation.  Contact us today.   

Merchant Card Services Rates
Opening up a store? Need to conduct credit card processing on your website or by phone? Whatever you need, we have a merchant card services solution that will be perfect for your business. With our competitive prices and expert service, you can rest assured that you are going to get a great deal on your merchant account. We help businesses of all sizes to obtain the best credit card processing solution at competitive prices.

Regulated Visa/MC Debit
0.05% + $0.22

Visa CPS Retail
1.51% + $0.10

MC Merit lll
1.58% +$0.10

Visa Rewards
1.65% -1.95% + $0.10

MasterCard Rewards
1.73% - 2.05% + $0.10

Visa Business/Corporate
2.20% - 2.65% + $0.10

MasterCard Business/Corporate
2.20% - 2.87% + $0.10​

Visa pass-through
0.11% + $0.0195

MasterCard pass-through
0.11% + $0.0185

Set Up Fee:

 Non-Swiped / Keyed / Internet rate 
Current rates

Qualified Debit:

Qualified Credit:

Transaction Fees:

Optional Gateway Fee:

Set Up Fee:

Compliance Fees:

Payment Solutions has the ability to support several types of merchant card services accounts including:

  • Retail / Storefront 
  • Internet 
  • Mail Order / Telephone Order 
  • Wireless 
  • Mobile processing/free swiper (Don't pay 2.75% we promise you a much lower rate).
           daily reporting and statements. Download a free app on your phone and your set.

Retail / Storefront
If you are conducting business face to face, accepting credit cards is a necessity. Whether you have a store, restaurant, or kiosk, we can help your business set up a merchant account so you can accept credit cards for less money than you ever thought possible.

If you have an Internet store or own a retail website, you need online credit card processing. With the help of an online merchant account and credit card payment gateway, you can give your customers the option to purchase goods with a click of the mouse, at any time, day or night. we can provide you with an online merchant account and the ability to conduct online credit card processing, no matter how small or how large of a website you have.

Mail Order / Telephone Order
If you run a mail order business and / or take credit card payments over the telephone, you are participating in, what we call in the industry, "MOTO Credit Card Processing". (MOTO = Mail Order/Telephone Order). Essentially, this means that you collect credit cards in an environment where the customer and credit card are not physically present at the time of purchase. Another term used for this is "card not present" credit card processing.

For years the payment options for mobile merchants were limited to either cash or check. Today, wireless credit card machines have given mobile merchants access to the same credit card authorization networks as retail businesses.

This new technology has allowed the benefits of security and additional sales to merchants who previously had to handle cash or take the risk of accepting checks. As a bonus, wireless credit card processing is typically faster than traditional landline processing. Dedicated networks have been developed for wireless credit card processing, which can transmit and receive data faster than most cell phone networks.

We offer the lowest rates in the industry - period. We pass interchange costs directly to you. This means - that you pay almost exactly what the we pay! We only charge a small transaction fee to cover our costs. 

This system is unique in the merchant services industry - and can save you up to 30% on your monthly credit card processing fees!

In addition we charge no set up fees - so when you sign up for a new merchant account with us there will be NO money coming out of your pocket! We are so confident that we have the best deal available that if you think you have found a lower cost credit card processing rate package - let us know and we will beat it! 

A merchant cash advance, also sometimes called factoring, works by allowing you to borrow against future receivables rather than a real asset or some other collateral. In this case, we base the advance off of your monthly Visa and Master Card credit card processing sales.

The process for applying for this type of advance is much simpler than a bank loan or credit line and the funds are available almost immediately. We understand that many small businesses struggle with cash flow and sometimes opportunities are missed because of lack of funds. Our goal in offering this program to our customers with merchant accounts, is to help small and mid-sized businesses expand their company, purchase equipment, add additional inventory or invest in the future growth of their company.

Here is how it works:
Your average monthly volume will be reviewed to establish your maximum allowable advance. You can let us know how much you would like, and then you review and sign the paperwork and the cash is sent to you within days!

Merchant Benefits
  • Merchant can receive up to $150,000 
  • No personal guarantee required 
  • Payback based on timing of Visa / MC receipts 
  • No fees or penalty for extended payback period 
  • A/B credit not required 
  • Financial's / tax returns not required 
  • Requirements in order to be eligible for the advance:
  • Merchant must be in business for at least 2 years 
  • Your merchant account must be with us. If it isn't already, we will charge nothing for you to switch and will meet or beat your current costs 
  • You must provide the previous six months of processing statements 
  • Trade references are required 

Requirements in order to be eligible for the advance:
  • Merchant must be in business for at least 2 years 
  • Your merchant account must be with us. If it isn't already, we will charge nothing for you to switch and will meet or beat your current costs 
  • You must provide the previous six months of processing statements 
  • Trade references are required 

PC Charge Express is a powerful credit card 
processing software that lets your business accept 
credit cards, debit cards, and checks. PC Charge 
Express also saves you time and money with 
powerful fraud protection features and compatibility 
with all major card processors. An upgrade to "PC 
Charge Pro" will allow you to create a database with 
Recurring and Installment Billing. PC Charge Express 
and all related software are easy to upgrade, 
without the risk of becoming obsolete.

Loyalty Card Programs
Whether you are implementing a new customer loyalty program or trying to make your existing program more successful, we can help.

We will work with you to create a system that is right for you and your customers. Let us assist you in all aspects of your reward program: design, implementation and follow through.

AUTOMATIC CASH REWARDS RIGHT TO THE CARD Use your cards to reward your customers. The system will automatically convert those points to a cash value set by you and print a unique and customized message on their receipt to notify them.

  • Number of visits 
  • Time elapsed since last visit 
  • Dollars spent 
  • Demographic data 
  • Customer birthdays and anniversaries 

INCREASE BUSINESS DURING OFF-PEAK PERIODS WITH EXTRA REWARD POINTS Offering your customers an extra incentive to come in during periods when business is normally slow enhances your ability to produce verifiable results. We give you the ability to define specific times of day and/or days of the week during which your customers can earn double points or more. You can also change promotional periods and extra point incentives as often as you like. You control all aspects of the program. 

Gift Card Programs
Payment Solutions creates, develops, administers, fulfills and provides marketing support for your personalized gift cards. Gift cards are activated within seconds of the purchase by swiping them through the terminal and adding the desired dollar amount. A customized receipt will be printed with the remaining balance at the time of purchase. When the card's balance runs low, customers can add money to the card, turning a one-time user into a lifelong customer.

Authorize.net credit card processing gateway
Authorize.net is an Internet payment gateway which 
enables you to collect payments and process 
transactions in a secure, cost-effective, and reliable 
way. Authorize.net provides businesses with an 
e-commerce payment gateway to authorize, process, 
and manage credit card and electronic check 
transactions in a real-time, online environment.

With Authorize.net, merchants simply send the 
information needed to process their transactions 
over a secure, encrypted Internet connection. 

Authorize.net also offers a virtual terminal for offline 
credit card processing. Businesses with an Authorize.net 
account can access the virtual terminal submission form 
through the Authorize.net website.

The Nurit 8000 is the premier wireless credit card terminal on the market. The Nurit 8000 operates on the reliable Cingular network allowing coverage throughout the country. More and more businesses are recognizing the opportunity presented by real time, mobile credit card processing.
The Hypercom T7Plus is one of the most popular credit card terminals ever made. The T7Plus is both compact and highly advanced. It is designed for merchants requiring a small countertop POS terminal. The terminal delivers a set of powerful features in a compact design.
The Verifone Omni 3200SE terminal is an improved version of the Omni 3200. The 3200SE has a more user-friendly printer, a more compact design, larger memory, and better processing performance. The 3200SE is also fully backward compatible - all applications running on the Omni 3200 run seamlessly.
The VeriFone Omni 3750 Credit Card Terminal offers everything one would need in a credit card machine including optional IP-based processing for faster transactions. The convenient, all-in-one design of the VeriFone Omni 3750 combines a mag-stripe reader, smart card reader, & internal PIN pad.
WAY Systems MTT (Mobile Transaction Terminal)
The WAY Systems MTT is a truly unique wireless credit card terminal for virtually any mobile processing unit. At just 4 inches tall and slightly over 2 ½ inches wide, the WAY Systems MTT is just a little bigger than a common cell phone.
The OTI Saturn 5000 is ideal for: 
Payments - cashless solution for small ticket items 
SmartID - contactless credentialing and verification 
Petroleum - fuel management and petroleum solution
Verifone VX610
The Verifone VX610 is the latest in wireless credit card terminals from VeriFone. Its powerful processor and flexible design makes the VeriFone VX 610 one of the best wireless credit card terminals on the market.
The Hypercom Optimum T4100 is perfect if you are looking for speed, flexibility and security. The Hypercom Optimum T4100 is one of the few terminals to support both Ethernet and dial connections.
The Nurit 8320 is ideal for small and medium-sized businesses. Exceptionally secure, reliable and easy-to-handle, the Nurit 8320 includes a high speed modem and thermal printer. A multi-application environment supports a range of applications, including credit and debit, loyalty, and gift cards.
The Omni Vx510 is a hard-working device that will handle all of your credit card processing needs without exceeding your budget. It offers a wide range of payment capabilities, saves counter space with its compact design, and minimizes clerk and customer entry errors with its familiar ATM-style.
PC Charge Express - Credit Card Processing Software
Accept Debit Cards with Pin Pads ... Learn The Benefits (click here)
Payment Solutions offers:
  • Free POS Systems & Marketing Tools
  • Free EMV ready terminals
  • Mobile Processing/Free Swiper
  • We also can accommodate High Risk Merchants. 

Credit Card Processing - Merchant Services - ATM Machine Dealer - Payment Solutions FAQ - Back To Top
Credit Card Processing - Merchant Services - ATM Machine Dealer - Payment Solutions FAQ - Back To Top
Credit Card Processing - Merchant Services - ATM Machine Dealer - Payment Solutions FAQ - Back To Top
Credit Card Processing - Merchant Services - ATM Machine Dealer - Payment Solutions FAQ - Back To Top
Scrip ATM cashless ATM dealers ... learn more
Selected Credit Card Processing Equipment & Other Equipment Options  Call For More Details!
Credit Card Processing with Authorize.net
Annual Savings Merchant Solutions - click Here
Did You Know? ...
As little as 5 years ago business owners had to pay hundreds or thousands of dollars to get a credit card terminal for their business. What few people realized though was the fact that credit card terminals are actually not that expensive to produce. That is why we can afford to give our clients free credit card terminals when they sign up for an account with us!

We will let you know all of your fees up front. So when you ready to set up your merchant account and get your free credit card terminal, give us a call, send an email, or just fill out our online contact form and we will have you set up as quickly as possible.  

Are You Overpaying for Your Credit Card Services & Terminal?  
If you have credit card services for your business currently?  If so, then do you know what your transaction fees are? Are they as low as possible? We would be more than happy to take a look at your statements and let you know if we can save you money.   
We Will: 
  • Review your existing statements
  •  Ensure that the equipment you use to process transactions is up-to-date
  • We put it in black and white, we offer rate analysis proposals.  

View A Rate Analysis Example 

Copyright 2013 Payment Solutions A Division of Exentec Corporation All Rights Reserved.
Save Money With Our Interchange Pass Through Pricing Structure - 

See why we are different than 98% of other credit card company's.  

Merchant Card/Credit Card Processing Services

  • No application or set up fees!
  • No hidden Fees! 
  • Free equipment! 
  • Easy to understand interchange plus cost structure! 

Credit Card Terminals, Wireless Credit Card Machines, Transaction Processing Equipment


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Below are some of the credit card Terminals we offer.  Terminal options may include Hypercom, Verifone, and Nurit
(Click on thumbnails for larger view)