Merchant Payment Processing

Stop overpaying for
card processing.
See it, before you switch.

Transparent interchange-based pricing, a dedicated human rep, and real savings for small and midsize businesses. No hidden fees, no rate creep, no runaround.

25%
Average savings merchants see after switching
60mo
Guaranteed qualified rate — no surprise increases
24/7
U.S.-based support, always reachable
Saved this year
$4,860
JT
Jordan T.
Your account rep
Effective Rate Interchange+
1.89%
vs. 3.20% with your previous processor
PCI DSS Level 1 Compliant
Registered ISO / MSP
No Long-Term Contracts
Next-Day Funding
All 50 States
Free, No-Obligation Estimate

See your estimated savings

Move the sliders to match your business. This is a ballpark based on typical interchange-plus savings — send a statement for an exact number.

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

From your first call to lower fees

We've made a confusing, opaque industry straightforward. 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 hidden fees, no bait-and-switch pricing. What you see is exactly what you get.

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

Everything your business needs to accept payments

In-person, online, by phone, or recurring — we have the infrastructure and the people to support every way you do business.

In-Person Processing

Modern terminals, POS systems, tap-to-pay devices, and mobile card readers — set up and programmed for your operation.

Ecommerce & Gateways

Secure payment gateways connecting to your website, shopping cart, CRM, or invoicing platform — no technical headache required.

Virtual Terminal & Mobile

Accept payments from anywhere — phone, invoice, or mobile device. Ideal for contractors, consultants, healthcare, and service businesses.

ACH & Recurring Billing

Subscriptions, retainers, recurring charges — set up with ease. Fewer failed payments and less overhead across your client base.

Gift & Loyalty Programs

Branded gift cards and loyalty programs that integrate into your point-of-sale to drive repeat business and retention.

Business Financing

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

Built for the counter, the phone, and everywhere in between

Whatever your setup looks like — a single tablet at checkout or terminals across multiple locations — we program it, support it, and stand behind it.

All 50
States supported
24/7
U.S.-based support line
1 day
Typical switch time
Side by Side

The typical processor vs. Accredited Interchange

The same comparison we walk every merchant through on their free statement review.

Typical Processor
Accredited Interchange
Pricing model
Bundled / blended rate
Interchange-plus, itemized
Rate stability
Increases without notice
60-month qualified rate guarantee
Support
Ticket queue / call center
Dedicated local rep
Equipment cost
Upfront purchase or lease
$0 out of pocket
Contract terms
Multi-year lock-in
No long-term contract
Funding speed
2–3 business days
Next-day funding
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 payment processing 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 support monitoring — every switch tracked start to finish
01

Transparent Pricing

We educate you on where every dollar goes — interchange, network assessments, and our markup. No mystery line items.

02

A Dedicated Rep

One point of contact who knows your account and your business — 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 so many merchant relationships.

04

Zero Equipment Cost

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

Merchant Stories

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
★★★★★

I have one person to call, and he actually picks up. That alone was worth switching for — the savings on top were a bonus.

D
David R.
Owner, home services company
★★★★★

The switch took one afternoon. New terminals showed up programmed and ready — no downtime, no lost sales.

S
Sarah K.
Practice manager, healthcare clinic
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 over in a single visit or afternoon.
Every card transaction has a base "interchange" cost set by the card networks — that part is the same no matter who you process with. We show you that cost directly, then add one transparent markup on top. No bundled rates, no hidden padding.
We offer a 60-month qualified rate guarantee so your pricing doesn't creep upward — but that's a promise about your rate, not a punishing lock-in. Ask your rep for the specific terms for your account.
No out-of-pocket cost for standard terminals and POS equipment. If a terminal ever fails, we replace it the next business day.
Most merchants see next-day funding for transactions processed on standard business days.
That's the whole point of the free statement review — no commitment, no pressure. Call us, send a recent statement, and we'll tell you honestly whether switching would actually save you money.

Still under contract with your current processor?

We'll review your termination terms with you and help you time the switch so you avoid unnecessary fees.

Ask About Switching →
Free, No-Obligation Analysis

Find out exactly how much you're leaving on the table

Send us a recent processing statement and we'll show you — line by line — where your current processor is costing you more than it should. No commitment required.

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