Complete Business Financial Services

One trusted name.
Three essential services.

Payment processing, payroll, and business insurance — built to work together under the Accredited Interchange brand. One relationship, one team, one point of contact.

Payments

Interchange-plus pricing, zero equipment cost, dedicated rep, and a 60-month rate guarantee.

See how it works →

Payroll

Automated, fully compliant payroll with tax filing, direct deposit, and year-end forms included.

See how it works →

Insurance

Business liability, workers' comp, commercial auto, and professional coverage placed with top carriers.

See how it works →
25%
Avg. savings on payment processing
60mo
Guaranteed qualified rate
All 50
States served across all three divisions
24/7
U.S.-based support, always reachable
PCI DSS Level 1 Compliant
Registered ISO / MSP
50-State Tax Compliance
Next-Day Funding
One Dedicated Rep
Payment Processing

Stop overpaying for
card processing. See it first.

Transparent interchange-based pricing with a dedicated human rep and a 60-month rate guarantee. We show you exactly what you're paying before you commit to anything.

Estimate my savings
25%
Average savings after switching
60mo
Qualified rate guarantee — no surprise increases
1 day
Next-day funding for most transactions
Simple Process

From your first call to lower fees

Three steps — no commitment required to find out what you're overpaying today.

01

Call for a Free Statement Review

Share your current processing statement. We analyze exactly what you're paying and pinpoint where markups are quietly costing you more than they should.

02

See Your Real Savings, Side by Side

An honest comparison — your current costs versus ours. No bait-and-switch pricing. What you see on the proposal is exactly what you'll pay.

03

Switch With Zero Disruption

We handle the equipment, programming, and setup. Your business never skips a beat, and your dedicated rep stays with you after the sale.

What We Handle

Every way your business accepts payments

In-person, online, by phone, or recurring — we support every transaction type.

In-Person Processing

Modern terminals, POS systems, tap-to-pay devices, and mobile card readers — set up and programmed for your operation at no upfront cost.

Ecommerce & Gateways

Secure payment gateways integrated with your website, shopping cart, CRM, or invoicing platform.

Virtual Terminal & Mobile

Accept payments by phone, invoice, or mobile device — ideal for contractors, healthcare, and service businesses.

ACH & Recurring Billing

Subscriptions, retainers, and recurring charges with fewer failed payments and less manual overhead.

Gift & Loyalty Programs

Branded gift cards and loyalty rewards integrated into your point-of-sale to drive repeat business.

Business Financing

Merchant cash advances for qualified businesses — working capital backed by your existing processing volume.

Free, No-Obligation Estimate

See your estimated savings

Move the sliders to match your business — send us a statement for your exact number.

Estimated Annual Savings
$3,840
Based on ~25% lower processing costs on average after switching to interchange-plus.
Illustrative estimate only — not a quote. Actual savings depend on your card mix, ticket size, and current agreement. Call for your exact number →
Payroll Services

Payroll that runs itself — so you don't have to.

Automated, accurate, and fully compliant payroll for businesses of every size. Tax filings handled, direct deposits sent, and year-end forms taken care of — by people who answer the phone.

Talk to a Payroll Specialist
All 50
States — fully compliant tax filing
1 day
Next-day direct deposit available
Unlimited
Payroll runs, no per-run fees
What's Included

Everything payroll requires, handled

From the first pay run to year-end filings — we take the compliance burden off your plate entirely.

Automated Payroll Runs

Set your schedule, review, and approve with a single click. Runs on time, every time, whether you're in the office or on the road.

Tax Filing & Compliance

Federal, state, and local payroll tax deposits and filings handled automatically. Penalties and late fees become someone else's problem.

Direct Deposit

Employees paid directly to their bank accounts — next-day available. No checks to cut, no trips to the bank, no delays.

Employee Self-Service

Staff access their own pay stubs, tax documents, and PTO balances through a secure portal — fewer questions to you.

Year-End Forms

W-2s and 1099s prepared, filed with the IRS, and distributed to your employees and contractors well before every deadline.

Dedicated Payroll Specialist

One person who knows your payroll setup, your team, and your business — reachable by phone, not buried behind a ticket queue.

Ready to take payroll off your plate?

Our payroll specialists walk you through a simple setup — most businesses are running their first payroll within the week.

Talk to a Payroll Specialist
Business Insurance

Coverage that protects what you've built.

From general liability to workers' comp, we place your business coverage with top-rated carriers and keep the process simple. One conversation, the right coverage.

Talk to an Insurance Specialist
A-rated
Top-rated carrier partners for every policy type
Same day
Quotes available on most standard policies
1 agent
Dedicated specialist who knows your business
Coverage Types

The coverage your business needs

All major policy types placed with top-rated carriers — bundled or à la carte to match your operation.

General Liability

Protection for third-party bodily injury, property damage, and advertising claims arising from your day-to-day business operations.

Workers' Compensation

Required coverage in most states, placed efficiently with carriers that understand your industry — we handle the process.

Commercial Auto

Coverage for vehicles used in your business — whether you operate a single service van or a full fleet of company vehicles.

Professional Liability

Errors & omissions coverage for consultants, advisors, contractors, and service professionals — protecting against claims of negligence or mistakes.

Business Owner's Policy

General liability plus commercial property coverage bundled into one policy — typically more cost-effective than buying each separately.

Group Health & Benefits

Health, dental, and vision benefit options to help you attract and retain great employees — structured to fit your budget and workforce size.

Get a quote for your business today

A quick conversation with one of our specialists is all it takes. We'll identify the right coverage and shop multiple carriers on your behalf.

Get Your Quote
Why Combine Services

One relationship for everything your business needs

When your payments, payroll, and insurance all come from Accredited Interchange, you get coordinated service, a team that understands your full picture, and one point of contact — not three different vendors to manage.

Talk to our team

Payments

Transparent interchange-plus rates, $0 equipment cost, 60-month rate stability.

Payroll

Automated, compliant payroll with tax filing, direct deposit, and year-end forms.

Insurance

Business coverage placed with top-rated carriers — quotes same day, bundling discounts available.

Why Accredited Interchange

Merchants don't stay because they're locked in

They stay because it works. We built this company on the belief that financial services should be simple to understand, honest in its pricing, and backed by real people who pick up the phone.

Talk to a Real Person
Live account monitoring — every switch and setup tracked start to finish
01

Transparent Pricing

We educate you on where every dollar goes. No mystery line items, no bundled rates hiding markups.

02

A Dedicated Rep

One point of contact across all your services — reachable by phone, not buried behind a support portal.

03

Rate Stability

Our 60-month qualified rate guarantee protects you from the re-pricing that plagues most merchant relationships.

04

Zero Equipment Cost

State-of-the-art terminals and POS with zero upfront expense, and next-day replacement if one ever fails.

What Clients Are Saying

What switching actually sounds like

★★★★★

Our old provider kept adding fees we never agreed to. Accredited walked us through every line of our statement and showed us exactly what we'd save before we switched.

M
Maria T.
Owner, retail storefront
Payments
★★★★★

Payroll used to take me half a day every two weeks. Now I approve it in five minutes and the taxes just get filed. I didn't realize how much time I was wasting until I stopped doing it myself.

J
James W.
Owner, landscaping company
Payroll
★★★★★

They bundled our GL and workers' comp into one policy and saved us over $3,000 a year. The whole process took one afternoon — same agent handled everything.

R
Rachel M.
Owner, home services company
Insurance
Common Questions

Everything you're wondering about

No. We program and ship your new equipment before your old service is cancelled, so there's no gap. Most merchants are fully switched in a single visit or afternoon.
Every card transaction has a base "interchange" cost set by the card networks — the same no matter who you process with. We show you that cost directly and add one transparent markup on top. No bundled rates, no hidden padding.
Our payroll specialists handle the configuration for you. Most businesses run their first payroll within a week of signing on. We gather your employee data, set up your pay schedule, and configure any state tax accounts needed.
In most cases, yes. Our specialists work with a broad panel of carriers, including those experienced with businesses that have claims history. We'll be upfront about your options and pricing before you commit to anything.
Not at all. Each service stands completely on its own — you can start with payment processing, payroll, or insurance and add others later. That said, clients who use multiple services do benefit from coordinated service and a single point of contact.
That's exactly what the free consultation is for. No commitment, no pressure — just an honest conversation about whether any of our services would actually benefit your business. Call us at (480) 823-2929.
Free, No-Obligation Consultation

Find out what you're leaving on the table

One conversation with our team covers all three service areas. Tell us what you're dealing with — we'll be honest about where we can help and where we can't.

(480) 823-2929 Mon – Fri, 8am – 6pm · U.S.-based · No sales pressure