Retail & restaurants
Countertop terminals, mobile POS, and integrated systems.
Payments
Merchant Processing
Card-present, online, and mobile payment processing with transparent interchange-plus pricing — what the networks charge, plus a flat margin you can read off one statement line. No teaser rates, no lock-in.
IC+
Pricing
Transparent interchange-plus, not tiered.
0–1day
Funding
Same-day deposit for batches closed before 6pm ET.
0
Contract
Month-to-month. Leave any time, no termination fee.
ALL
Networks
Visa, Mastercard, Amex, Discover, debit, wallets.
Who it’s for
If you take cards, you have a processor
The question is whether their pricing is transparent and their support picks up the phone.
E-commerce
Gateway, hosted checkout, or embedded — Shopify, WooCommerce, and more.
Services & B2B
Invoice payments, recurring billing, and lower-cost ACH for predictable volume.
The details
Terms & specifics
Final pricing depends on time in business, credit profile, revenue, and industry. Your specialist confirms every number in writing before you sign.
| Pricing model | Interchange-plusPass-through interchange + a transparent margin. |
|---|---|
| Margin | 0.15% – 0.30%Volume-tiered; large merchants negotiate down. |
| Per transaction | $0.05 – $0.10Fixed component in addition to the percentage. |
| Funding | Same-day or next-daySame-day available on most platforms. |
| Contract | Month-to-monthNo long-term lock-in, no termination fee. |
| Hardware | Lease or buyWe don't push leases — most operators buy outright. |
How it works
From application to funded
Five simple steps — with one specialist by your side the whole way.
- 01Complete the short online application
- 02Meet your financing specialist
- 03Review your tailored offer
- 04Finalize your agreement
- 05Funds deposited directly to bank
Other programs
Not quite the right fit?
These two are often the better match.
Funding desk
Ready to get funded?
Apply in minutes, or call to talk it through with a specialist who knows your business by name.