Your ambition.
Your business.
Our obsession.
Get paid every way you sell. Turn more conversations into customers. Keep your business moving with one connected platform, Zero-Fee* processing, and a team that handles the hard part.
In-store, online, ecommerce, mobile, and at events, accept every card, every way, while our 100% compliant dual pricing program eliminates your processing fees entirely.
* Zero-Fee is also known as Dual Pricing. See how it works →
See what you'd keep.
Enter what you process in card sales each month and drag your rate. This is the money dual pricing puts back in your pocket instead of handing it to a processor.
Estimate based on the rate you select applied to your monthly card volume. Your exact savings depend on your card mix and ticket size, and we'll run your real numbers on a quick call.
You shouldn’t need a shower after talking to a processor.
Most merchant reps dangle a low rate, then bury fees in the fine print so your statement never matches the quote. We built Deposyt to be the opposite: the rate we quote is the rate on your statement, and a real human stays in your corner. No bait. No switch. No fine-print surprises.
For over two decades we have specialized in bringing impactful merchant payment solutions to businesses across the world, from “outside the box” online businesses to a small startup’s first merchant portal.
Merchants don’t just switch. They tell people.
So far great to deal with … A++++ As of the 17th of the month I’ve saved over $1000 in fees from the last company I was using.
I’ve been a customer for years. Their fees are less than their competitors, their tutorials are fantastic, and their client support is extremely responsive and helpful. They don’t send me a chat bot — I get a human being, responds fast.
I’ve been using Deposyt now for a few years and multiple companies, they are great. Their customer service is superb! I highly recommend them for your merchant service needs.
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.
Ecommerce, hosted checkout, invoicing, and recurring billing, connected to the carts and platforms you already use.
Learn more →
Tap, dip, and swipe at the counter with terminals that arrive set up, and stay supported after.
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Full point-of-sale for restaurants and retail: inventory, tips, staff, loyalty, without the learning curve.
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Take payments in the field, at the table, or at the show. Your phone becomes the terminal.
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The all-inclusive merchant solution.
Everything below ships with every account. No tiers, no add-on menu, no surprises on the statement.
Free, Fast Setup
Now offering Instant Approval! Apply today, process today.
Next-Day Funding
Sales that batch before your cutoff land in your bank the next business day.
No Hidden Fees
Simple, straightforward pricing. The rate we quote is the rate on your statement.
Accept All Major Credit Cards
Visa, MasterCard, Discover, and Amex, plus Apple Pay and Google Pay tap.
Virtual Terminal Included
Key in phone orders and in-person sales from any browser, day one.
24/7 Support
24/7/365 live human support. A real person, every time you call.
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.
Every major card
Visa, Mastercard, American Express, and Discover, credit and debit, all in one account with one rate structure.
Apple Pay & Google Pay
One-tap wallet checkout that lifts conversion, especially on phones where typing a card number kills the sale.
Tap and EMV
Secure contactless tap and chip acceptance that customers expect, and that shifts fraud liability away from you.
Bank transfers
Lower-cost ACH payments for invoices and recurring billing, a smart fit for larger or repeat charges.
Subscriptions & billing
Tokenized card-on-file billing with automatic retries and an account updater, so good customers do not lapse over an expired card.
Mail and phone orders
Take a card number over the phone or by mail order, with fraud tools running quietly in the background.
Why thousands of businesses are passing the fee.
Dual pricing displays two clear prices, a card price and a cash price, so your customers choose how they pay, and you stop donating 3, 4% of every sale to the card networks. In person and online. Fully transparent. 100% compliant with card-brand rules.
- Keep 100% of your price. Processing costs can effectively drop to zero.
- Both prices shown upfront, on the shelf, the screen, and the terminal. No surprises, no surcharge stigma.
- Compliance configured for you. Signage, displays, and card-type detection handled at onboarding, not left as your homework.
- Works everywhere you sell, terminals, POS, and online checkout.
Selling online? We plug into whatever you already use.
This is for every transaction that happens on the web, your store, your checkout, your links and invoices, your subscriptions. Keep every tool you have built your online business on: we connect to it and run the payments underneath, so nothing gets rebuilt and nothing gets replaced.
More than one way to collect.
Online does not have to mean a full online store. Pick what fits how you actually sell.
On your website
A secure checkout hosted or embedded on your site, branded to you and ready for wallets.
Share anywhere
Send a payment link by text, email, or social. They tap and pay, no code needed.
Bill and get paid
Send a professional invoice and let your customer pay it online in a couple of taps.
Phone orders
Key in a card by hand from any browser with a virtual terminal.
Subscriptions
Bill automatically with recurring payments and secure card-on-file.
One-tap pay
Apple Pay and Google Pay built in, so mobile customers check out without typing a card number.
Protected, and funded fast.
Every payment is secured by default, and your money lands on a schedule you can count on.
Secure by default
Tokenization and end-to-end encryption keep card data out of your systems and protected on every sale.
Stop the bad ones
Smart fraud filters and 3-D Secure stop bad transactions without turning away your good customers.
Money on time
Approved sales can land in your bank account as soon as the next business day.
Selling face to face? We will match your terminal.
This is for the counter, the floor, the truck, and the show, every card taken in person. Your trade decides your terminal. A tow truck needs something very different from a coffee shop. Tap your business below and we will point you to the right device, Clover, Dejavoo, or SwipeSimple, and tell you why.
Whatever you sell, we already speak your industry.
We are not a startup guessing at risk. We are a payments company with decades behind us and a long history of banking the industries other processors decline.
Search or filter to find your industry. These are the featured categories, but we serve 200+. Type anything and we will point you to the right setup, or tell you straight that we bank it.
Retail
Clothing, boutiques, convenience, liquor, and every storefront. Fast chip, tap, and swipe with next-day funding.
Learn more →Restaurants
Tableside, takeout, tips, and tabs that close clean.
Learn more →Salons & Med Spas
Packages, memberships, and retainers in one clean account.
Learn more →B2B, Trades & Services
Wholesale, HVAC, contractors, law and accounting firms. Level 2/3 savings, ACH, and invoicing built to cost less.
Learn more →Coaches & Creators
High-ticket approval and payment plans that actually collect.
Learn more →Travel & Tours
Agencies and tour operators, future-delivery friendly.
Learn more →Gun Stores & FFL
2A-friendly processing for FFL dealers, ranges, and ammo.
Learn more →Pawn Shops
Loans, resale, and retail in one account, high-risk friendly.
Learn more →Ecommerce
Wallet-ready checkout and fraud tools that convert and protect.
Learn more →SaaS & Software
Recurring and usage billing with APIs that protect your MRR.
Learn more →Subscriptions
Recurring billing and dunning that keeps revenue from leaking.
Learn more →Memberships & Gyms
Recurring dues with recovery that reduces churn.
Learn more →Marketplaces
Split payments, onboarding, and payouts at scale.
Learn more →High-Ticket
Large transactions and payment plans approved and protected.
Learn more →Direct Selling & MLM
Autoship, distributor payouts, and volume others decline.
Learn more →Nutra & Supplements
Subscriptions, free trials, and continuity, approved.
Learn more →CBD, Hemp & Vape
Botanicals, smoke shops, vape, and tobacco, banked properly.
Learn more →Peptides & Telehealth
Research peptides, GLP, and wellness Rx, funded where others will not.
Learn more →Dating
Subscriptions and matchmaking, built for the category.
Learn more →Gaming
Microtransactions and in-app purchases that scale cleanly.
Learn more →AI Businesses
Tools, SaaS, and companionship apps, approved when others balk.
Learn more →Business Opportunity
Bizopp and make-money offers, high-ticket and approved.
Learn more →Free Trial & Continuity
Trial-to-paid billing that survives underwriting.
Learn more →We Love High Risk Merchants.
Turned away elsewhere?
Pull up a chair.
"High risk" usually just means "hard to understand." We take the time to understand. Multiple banking relationships, honest underwriting, and an advocate who fights to keep your account open, your reserves low, and your limits growing. It's why agents and merchants send us the deals nobody else will touch.
Of high-risk industries are welcomed, underwritten, and protected
Why high risk needs an honest answer.
The problem is rarely your business. It is being priced and policed by a model built for a coffee shop.
Flagged on the label
Your category is declined before a single transaction runs.
Ratios that matter
Crossing a threshold ends the account, so it has to be managed.
Held funds
Rolling reserves tie up the cash the business runs on.
No notice
Generic processors offboard first and explain later.
Volume caps
Caps set for the average business throttle yours.
The honesty gap
Quoted low, repriced quietly, three statements in.
How we keep you approved and processing.
Underwriting, defense, and redundancy, built as one account instead of three vendors.
Approved on the facts
We read the business, not just the category code.
Chargeback protection
Alerts, evidence, and representment worked with you.
Load balancing
Split volume across accounts so one decline does not stop sales.
Dunning built in
Retries and an account updater recover the failed rebills.
Dual pricing
Card and cash pricing so processing cost is covered.
People who answer
A team that stays on the phone when the volume gets real.
- Chargeback alerts & representment
- Velocity controls & real-time monitoring
- AVS/CVV intelligence & 3-D Secure
- Smart screens tuned to stop fraud, not real customers
Most processors approve you and disappear. We stay in the room, negotiating reserves, raising limits as you grow, and standing up redundant accounts so your processing can never be held hostage. Your account has a defender, not just an underwriter.
The deal everyone else declined? Send it our way.
If your industry lands on a “no” list everywhere else, it lands on our “yes” list. A few of the verticals we place, underwrite, and protect every day:
Tap your industry. See how we place it.
These are the industries we are known for: approved, protected, and kept running.
Tap your industry below, or type it above
The hard part is already handled.
You did not start a business to become a software operator. Deposyt is the private team and the platform that sit underneath your business and quietly handle the parts that drain your day. Payments, retention, recovery, automation, and the tools that fit your industry. You focus on your customers. We handle what sits beneath them.
Use a little of us, or all of us. Either way, you walk in and it is done.
Use a piece of us, or all of us.
The full platform sits under one layer. Take only what your bundle needs today, and grow into the rest when it is time.
Courses
Online learning is a 300 billion dollar plus market. Build and sell courses with an AI builder, payments, and recurring access.
Calendar
Fill it with free or paid bookings that sync to Gmail and Outlook.
Services
List services, drop in a booking widget, and embed it anywhere.
Products
The easiest way to sell physical or digital, with subscriptions and order bumps.
Funnels
Drag and drop pages, custom checkouts, and unlimited sales funnels.
Pipelines
See every deal and stage, with automations and analytics built in.
Forms
Capture leads and auto-create a task the moment a customer is created.
Triggers
Set up the automations that move work forward while you sleep.
Messages
Multi-thread messaging that keeps every conversation in one place.
Tasks
Unlimited tasks and subtasks, assigned, dated, and on the calendar.
Notes
Tag teammates, set reminders, and convert a note into a task.
Campaigns
Reach the right segment by email and text, on a schedule.
Calls
Track calls and tie them to the customer, the deal, and the dollars.
Media Links
Turn a 200 person event into hundreds of pieces of organic, signed-off content in one folder.
The Partner Engine
Turn customers into tracked partners with payouts, residuals, and future-delivery.
And more
New tools join as we know they will move your needle, not before.
Tell us your business. See your bundle.
Every business has a different DNA. A med spa does not need what a credit repair firm needs. So we do not sell one giant platform to everyone. Tap what your business runs on and see the exact stack we would curate for you, and why each piece earns its place.
This is a starting point, not a fixed menu. On your consultation we tune the bundle to your exact business, and we price it to the value it returns.
Like coming home and finding it already done.
A luxury hotel is remembered for the stress it removed before you asked. Deposyt works the same way. Complimentary on check in, the Revenue Leak Audit shows you exactly where the money is leaving, and stops it.
White glove migration
Setup, integrations, data, and payment transitions. We carry the bags.
Concierge support
A dedicated revenue concierge who knows your name, not a ticket number.
The revenue leak audit
We inspect failed payments, retention leaks, chargeback exposure, and checkout friction, then stop the drain.
A fractional revenue team
Payments, retention, and growth people embedded in your business, not another tool to learn.
Merchants don't just switch. They tell people.
Verified Google reviews, powered by Trustindex.
Book your FREE consultation.
Put cash back in your pocket.
During your one-on-one business assessment, a Deposyt™ expert will evaluate your business and set you up to instantly put a percentage back in your pocket with each card transaction you accept.
The hard part is already handled.
- 740 South Mill Avenue, Suite 200 Tempe, Arizona 85281
- Monday- Sunday 8am-5pm (PST)
- support@deposyt.com
- 1-302-204-2493
Deposyt® is a division and registered trademark of Deposyt LLC. Deposyt LLC is a registered ISO/MSP of Axiom Bank, N.A., Maitland, FL.
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