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Credit Card Processing
Credit Card Processing
Credit card processing built for
how you really sell.
Online, in your store, on the go, or by a simple text message. One merchant account, one clear view of every sale, and your money in the bank as soon as the next business day. Even if another processor already told you no.
The hard part is already handled.
350+ Five Star Reviews on Google
✓ Next-day funding ✓ No hidden fees ✓ Real humans, 7 days ✓ High-risk welcome ✓ Registered ISO/MSP
01 HOW IT WORKS
What actually happens when a card gets paid.
Every card payment makes a round trip in about two seconds. Here is the entire journey in plain language, so you know exactly what you are paying for and where your money goes.
THE ROUND TRIP · about 2 seconds
Approved in ~2 seconds. The money settles to you the next business day.
1
Your customer pays
They tap, dip, swipe, or enter their card online. That request leaves your terminal or checkout and heads to your payment gateway, the secure front door to everything that follows.
2
The bank approves it
In about two seconds, the request reaches the card network and your customer's bank. The bank checks for available funds or credit, places a hold, and sends back an approval. Your customer sees the green light and goes on with their day.
3
The day gets batched
At closing time, all of your approved sales are bundled into a single batch and sent for settlement. Most systems do this automatically, so there is nothing for you to remember.
4
The money settles
The card networks move funds from your customers' banks toward yours. This is where interchange and fees come out, and it is the step most processors never explain to you.
5
You get funded
The money lands in your business bank account. With Deposyt, that is as soon as the next business day, so your cash flow keeps pace with your sales.
You never have to manage any of this. You take the payment. We handle everything standing behind it.
THE GATEWAY
Your secure front door
Captures the card safely and passes it along encrypted. Online or in person, nothing sensitive sits in your hands.
THE PROCESSOR & NETWORKS
The highway
Carries the transaction to Visa, Mastercard, American Express, and Discover, and back again, in seconds.
THE BANKS
Where money moves
Your customer's bank approves the charge. Your bank receives the funds. Deposyt connects you to both.
02 WAYS TO PAY
However they want to pay, you can take it.
Most businesses sell in more than one place. Deposyt brings every channel into a single merchant account, with one login and one clear picture of your money.
ONLINE
Sell on your website
Drop a secure checkout right on your site, or send customers to a clean, branded payment page. Wallet-ready and fraud-screened, so more carts turn into paid orders.
- Hosted checkout or embedded on your site
- Branded, mobile-friendly payment pages
- Apple Pay and Google Pay built in
- Tokenized and fraud-screened on every sale
ECOMMERCE
Plug into your store
Connect the cart you already run and start selling, with the recurring billing and fraud tools an online store actually needs.
- Works with Shopify, WooCommerce, and major carts
- Full developer API for custom builds
- Subscriptions and card-on-file billing
- 3-D Secure and smart fraud filters
IN-PERSON
Take payments at the counter
Chip, tap, and swipe on modern terminals and full POS systems, with the same reporting you get from your online sales.
- Countertop and wireless terminals
- Clover POS to run the whole business
- EMV chip and contactless tap
- Programmed to your account, ready on day one
MOBILE
Get paid on the go
Turn a phone or tablet into a card reader and collect payment wherever the work actually happens.
- Tap to Pay on phone, or a compact reader
- Send an invoice from the job site
- One account, one view of every sale
- Funds that follow you, next business day
TEXT-TO-PAY
Get paid by text message
Send a secure payment link by SMS. Your customer taps, pays, and you are funded. No app to install, no reader to mail.
- Secure, single-use payment links
- Paid on a branded, tokenized page
- Nothing to install or ship
- One-tap repeat for returning customers
03 PAYMENT METHODS
Take every card, and everything beyond them.
The way people pay keeps changing. Deposyt keeps up, so you are never the business that could not take how someone wanted to pay.
CARDS
Every major card
Visa, Mastercard, American Express, and Discover, credit and debit, all in one account with one rate structure.
DIGITAL WALLETS
Apple Pay & Google Pay
One-tap wallet checkout that lifts conversion, especially on phones where typing a card number kills the sale.
CONTACTLESS & CHIP
Tap and EMV
Secure contactless tap and chip acceptance that customers expect, and that shifts fraud liability away from you.
ACH & BANK
Bank transfers
Lower-cost ACH payments for invoices and recurring billing, a smart fit for larger or repeat charges.
RECURRING
Subscriptions & billing
Tokenized card-on-file billing with automatic retries and an account updater, so good customers do not lapse over an expired card.
KEYED & PHONE
Mail and phone orders
Take a card number over the phone or by mail order, with fraud tools running quietly in the background.
04 PRICING & FEES
Every processing rate has three parts.
Most processors hope you never learn this. We would rather show you, because once you understand where the money goes, you can see exactly who is being fair and who is padding the bill.
Interchange, set by the bank that issued the card Assessments, set by Visa and Mastercard Processor markup, the only part that is negotiable
Interchange and assessments are fixed. Every processor pays the same. The markup is the only part that changes from one processor to the next, and it is where padding hides. We show you all three.
PART ONE
Interchange
Set by the card networks and paid to your customer's bank. Every processor on earth pays the same interchange. It is the largest piece of your rate, and it is non-negotiable.
PART TWO
Assessments
A small, fixed percentage the card networks keep for running both processors. Also identical for every processor. Nobody gets a better deal here.
PART THREE
The markup
The processor's margin. This is the only part that actually changes between providers, and it is where you find out who is being straight with you.
The pricing models, and which ones are fair
TRANSPARENT
Interchange-plus
You pay true interchange plus a clear, fixed markup. You can always see the real cost underneath. This is the honest model, and the one we believe in.
SIMPLE
Flat-rate
One easy percentage on everything. Predictable, but you quietly overpay on lower-cost cards because the processor pockets the difference.
MURKY
Tiered
Sales get sorted into qualified and non-qualified buckets. The least transparent model there is, and the easiest place to bury a markup.
THE BETTER OPTION
Or pay nothing at all.
With compliant dual pricing, your customer chooses a card price or a cash price, and the processing cost is covered right at the register. You keep your full margin on every sale. We set it up so it is clear, legal, and printed on every receipt.
- Both prices shown upfront, on the shelf and the screen
- Fully compliant with the card brand rules
- You keep what used to go to processing
NO HIDDEN FEES · NO LONG-TERM TRAPS · NO SURPRISE STATEMENT LINES · JUST THE RATE WE AGREED ON
05 EQUIPMENT
The tools that make it run.
However you take payments, the hardware arrives programmed to your account and ready on day one. No box of parts, no week of setup.
GATEWAYDeposyt Gateway
Our white-labeled gateway, the secure hub every online payment runs through.
POSClover POS
All-in-one point of sale to run payments, inventory, and your whole counter.
TERMINALSwipeSimple
Countertop and mobile acceptance with clean cloud reporting.
TERMINALDejavoo
Sleek countertop and wireless terminals, programmed and ready to plug in.
06 SECURITY & COMPLIANCE
Built to protect every transaction.
Security is not a feature you bolt on later. It is wired into how Deposyt moves every payment, so you and your customers are covered by default.
PCI DSS
Compliance, handled
We keep you aligned with the card brands' security standards, and we cut down how much of that burden actually lands on you.
TOKENIZATION
Cards become tokens
Card numbers are swapped for secure tokens, so sensitive data never sits inside your systems waiting to be stolen.
ENCRYPTION
Protected end to end
Card data is encrypted the moment it is entered and stays that way until it reaches the processor.
EMV & CONTACTLESS
Chip and tap
Chip and contactless acceptance that customers trust and that moves fraud liability off your shoulders.
3-D SECURE
Smart verification
Extra checks and fraud rules that stop bad transactions without turning away your good customers.
REAL MONITORING
Eyes on your account
We watch for trouble and pick up the phone before a small problem turns into a frozen account.
07 FUNDING & DEPOSITS
Your money, when you need it.
Taking the payment is only half the job. Getting paid quickly and predictably is the half that keeps your doors open.
SPEED
Next-day funding
Approved sales can land in your account as soon as the next business day, not three to five days later while you wait.
AUTOMATIC
Batching on its own
Your day's sales close out automatically and head for settlement. Nothing for you to start, nothing to forget.
STEADY
Cash flow you can plan
Predictable deposits you can build a business around, instead of a black box that pays you whenever it feels like it.
08 GET STARTED
Getting set up is simpler than you think.
No endless forms, no being passed around a call center. Here is the whole path from hello to your first deposit.
1
Tell us about your business
How you sell, what you sell, and roughly how much. A short, honest conversation, not a pile of paperwork.
2
We match and underwrite
We find the right banking fit, including for high-risk, and underwrite the real business in front of us, not a category label.
3
Get approved and funded
Most merchants are up and running quickly, with hardware programmed, your account live, and real people on standby if you need them.
Turned down somewhere else, or shut off without warning?
That is often exactly where we do our best work. Tell us what happened.
09 WHO WE SERVE
We bank every kind of business.
Retail, restaurants, ecommerce, B2B, and the high-risk industries other processors quietly avoid. If you take cards, there is a good chance we can set you up.
10 QUESTIONS, ANSWERED
Credit card processing, made clear.
The answers most processors make you dig for. If your question is not here, a real person is a phone call away.
What is credit card processing?
Credit card processing is everything that happens between your customer paying with a card and the money reaching your bank. It covers authorization, settlement, and funding, handled by your gateway, the processor, the card networks, and the banks. Deposyt connects all of it so you simply take the payment.
How does credit card processing work?
When a customer pays, their bank authorizes the charge in about two seconds. Your sales are batched at the end of the day, settled through the card networks, and funded into your account. With Deposyt, that funding is as soon as the next business day.
How much does credit card processing cost?
Every rate has three parts: interchange paid to the customer's bank, assessments kept by the card networks, and the processor markup. Only the markup changes between providers. Deposyt also offers compliant dual pricing, which can bring your processing cost to zero.
Can I avoid paying credit card processing fees?
Often, yes. With compliant dual pricing, your customer chooses a card price or a cash price, and the processing cost is covered at the register, so you keep your full margin. We set it up to be clear, legal, and shown on every receipt.
What payment methods can I accept?
Major credit and debit cards, Apple Pay and Google Pay, contactless and chip, ACH bank transfers, recurring billing, and keyed or phone orders, all from one merchant account.
Do I need a merchant account?
Yes. A merchant account is what lets your business accept card payments and receive funds. Deposyt sets one up for you, including for high-risk businesses that other processors decline.
How fast can I start accepting payments?
Most merchants are approved and running quickly, with hardware programmed to your account and real people available to help you go live.
Is credit card processing secure?
Yes. Deposyt uses tokenization, end-to-end encryption, EMV chip and contactless acceptance, and fraud screening, and we keep you aligned with PCI DSS while reducing how much of it falls on you.
Can you approve a high-risk business?
Usually. High-risk is our specialty. We underwrite the real business and use multiple banking relationships to approve accounts that other processors turn away.
What hardware do I need?
It depends on how you sell. Countertop and wireless terminals, full POS systems, mobile readers, and a gateway for online payments, all programmed and ready on day one.
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