Payment processing, simplified.

A merchant services provider, often called an ISO (Independent Sales Organization), sets businesses up to accept credit and debit card payments. XREDIT works with established payment processors and their sponsor banks to provide your merchant account, card terminals or POS system, and online payment gateway, then stays your point of contact for support after you go live.

Most businesses pay an effective rate of roughly 2.5% to 3.5% of card sales once every fee is included. Your exact cost depends on your industry, average ticket size, card mix, and how you take payments (in person, online, or keyed in). A free statement review shows your true effective rate and exactly where you can lower your merchant processing fees.

With interchange-plus pricing, you pay the card networks' actual interchange cost plus a small, fixed processor markup, so every fee is visible on your statement. Flat-rate pricing charges one percentage on every transaction, which is simple but usually costs more as your sales grow. Established businesses often save with interchange-plus, and we'll compare both against your real statement.

With a cash discount (dual pricing) program, your posted prices include a small non-cash adjustment and customers who pay with cash receive a discount, which can offset most or all of your card processing costs. Cash discount programs are permitted nationwide when properly disclosed. Credit card surcharging has separate card brand rules and state restrictions and can't be applied to debit cards. We set up compliant signage, receipts, and terminal programming so you stay within the rules.

Often, yes. Many countertop terminals and POS systems can be reprogrammed for a new processor, and online stores usually only need a new payment gateway connection. Tell us what equipment and software you use today and we'll confirm compatibility before recommending anything new.

Most merchant accounts deposit funds into your business bank account within one to two business days, and next-day funding is available for many businesses. We'll confirm your exact funding schedule before you sign up.

Yes. We work with high-risk and specialty merchants such as CBD, cigar, fine jewelry, nutraceuticals, subscription, and travel businesses. We help you prepare an underwriting-ready application, explain any reserve terms up front, and set up chargeback monitoring to keep your merchant account in good standing.

Usually a voided business check or bank letter, your business tax ID (EIN), basic owner information, and your last two to three months of processing statements if you already accept cards. Higher-risk businesses may need a few additional documents, and we'll give you a simple checklist.

Yes. We set you up with encrypted card readers and tokenized online payments, and guide you through your annual PCI compliance questionnaire so your business and your customers' card data stay protected.

A recent monthly processing statement is all you need. We'll break down your effective rate, flag hidden or unnecessary fees, and show you exactly what you would pay with XREDIT.