Complete Payment Solutions
Merchant service consulting and payment solutions for businesses of all sizes — from first setup to lower processing costs. Serving Long Island, NY and nationwide.
Most Popular Starting Points
Your business. Your next step.
Switching providers or getting started?
Talk directly with Santos. Free consultation, no obligation.
Credit & Debit Card Processing
Accept major credit and debit cards in person, online, or by phone with pricing matched to your ticket size, card mix, and sales volume.
- ✓ Major card acceptance
- ✓ Real-time authorization
- ✓ In-person, keyed & online payments
- ✓ Funding options matched to the account
Merchant Account Setup
Get personal help from application and document collection through underwriting, equipment coordination, and go-live.
- ✓ Application document guidance
- ✓ Underwriting coordination
- ✓ Terms reviewed before setup
- ✓ Ongoing account support
POS Systems & Payment Terminals
Choose a point-of-sale system or payment terminal that fits your counter, staff, order flow, and reporting needs.
- ✓ Countertop & wireless terminals
- ✓ Smart POS systems
- ✓ Receipt printers & cash drawers
- ✓ Staff and order-flow tools
Mobile Payment Solutions
Take payments at pop-ups, events, deliveries, and job sites with portable checkout options selected for your connectivity and sales flow.
- ✓ Mobile card readers
- ✓ Tap-to-pay options
- ✓ Digital receipt workflows
- ✓ Portable equipment choices
Virtual Terminals
Accept phone orders and invoice payments through a browser-based virtual terminal when the customer is not at the counter.
- ✓ Browser-based access
- ✓ Manual card entry
- ✓ Invoice payment workflows
- ✓ No countertop hardware required
E-Commerce Payment Processing
Accept online payments with a checkout and merchant account selected for your store, recurring billing needs, and risk profile.
- ✓ Hosted checkout options
- ✓ Shopping-cart compatibility
- ✓ Recurring billing options
- ✓ Reporting and fraud controls
Payment Gateway Setup & Integrations
Connect a payment gateway to your existing website, software, or app after compatibility is confirmed for your specific platform and account.
- ✓ Current payment-stack review
- ✓ Gateway compatibility check
- ✓ Hosted or integrated checkout
- ✓ Setup and handoff coordination
ACH & eCheck Processing
Accept bank-to-bank payments for recurring bills, invoices, and larger transactions when ACH timing and return handling fit the workflow.
- ✓ Recurring ACH billing
- ✓ Invoice and eCheck payments
- ✓ Customer authorization workflows
- ✓ Return-management options
Match the Service to How You Get Paid
The right setup depends on your actual sales, workflow, risk profile, equipment, and contract terms. Santos checks those details before recommending a processor or program.
Bring the Current Picture
Share a recent statement if you have one, plus your sales channels, average ticket, equipment, and current contract.
Compare the Fit
Review pricing, card mix, checkout flow, business type, funding needs, and any underwriting concerns together.
Confirm the Conditions
Confirm approval terms, pricing, reserves, funding schedule, hardware eligibility, and software compatibility before setup.
Coordinate the Setup
Complete the application, equipment or gateway configuration, staff handoff, and any required pricing displays or signage.
Ready to cut your processing fees?
Talk to Santos today — free statement analysis, no obligation, no pressure.
Dual Pricing & Cash Discount Programs
Evaluate a posted cash and card price program against your ticket size, customer mix, state rules, card-brand rules, and processor program conditions.
- ✓ Posted cash and card prices
- ✓ Signage and display workflow
- ✓ State and program conditions checked
- ✓ Business economics reviewed
High-Risk Merchant Accounts
Get specialized merchant-account placement help when your industry, transaction model, or processing history falls outside standard underwriting.
- ✓ Risk-profile review
- ✓ Application document packaging
- ✓ Underwriting coordination
- ✓ Terms and reserve review
Chargeback & Fraud Prevention
Strengthen how your business spots risky transactions, responds to disputes, and documents each chargeback case.
- ✓ Available chargeback alerts
- ✓ Dispute response support
- ✓ Fraud-setting review
- ✓ Case documentation workflow
Gift Card & Loyalty Programs
Add gift-card and loyalty options that work with your checkout, locations, reporting needs, and customer experience.
- ✓ Branded gift-card options
- ✓ Digital and physical formats
- ✓ Loyalty reward programs
- ✓ Redemption tracking
Recurring Billing & Invoicing
Automate repeat charges and digital invoices with a billing schedule and customer authorization flow suited to your business.
- ✓ Subscription billing
- ✓ Automated invoicing
- ✓ Payment reminders
- ✓ Failed-payment workflows
Merchant Funding & Working Capital
Review available working-capital offers tied to your business history, with the total cost and repayment structure explained before you decide.
- ✓ Eligibility and document guidance
- ✓ Offer comparison
- ✓ Total cost explained
- ✓ Provider terms reviewed
Business Payment Consulting
Put your statement, contract, equipment, and sales workflow together so you can see which changes are actually worth making.
- ✓ Statement and fee analysis
- ✓ Processor and term comparison
- ✓ Equipment recommendations
- ✓ Clear next-step options