Complete Payment Solutions
Merchant service consulting and payment solutions for businesses of all sizes β from first setup to total fee elimination. Serving Long Island, NY and nationwide.
β Most Popular Starting Points
Credit & Debit Card Processing
Accept all major credit and debit cards with industry-leading approval rates and real-time processing for your business.
- β Visa, Mastercard, Amex, Discover
- β Real-time authorization
- β Competitive interchange rates
- β Next-day funding available
Merchant Account Setup
We handle the full merchant account setup process β from application to approval β so you can start accepting payments fast.
- β Fast approvals (24β72 hrs)
- β Personalized guidance
- β All business types
- β Ongoing account support
POS Systems & Payment Terminals
Modern point-of-sale systems and payment terminals that fit your counter, your staff, and your customers.
- β Countertop & wireless terminals
- β Smart POS systems
- β Receipt printers & cash drawers
- β Staff management tools
Mobile Payment Solutions
Take payments on the go with mobile card readers and smartphone-based payment apps β perfect for pop-ups, events, and field sales.
- β Mobile card readers
- β iOS & Android apps
- β Tap-to-pay (NFC)
- β Works anywhere with signal
Virtual Terminals
Accept payments by phone or email with a secure virtual terminal β no card present required. Great for phone orders and invoices.
- β Browser-based access
- β Manual card entry
- β No hardware needed
- β Secure & PCI compliant
E-Commerce Payment Processing
Seamlessly accept online payments on your website with secure, fast checkout experiences that convert visitors into customers.
- β Hosted checkout pages
- β Shopping cart integrations
- β Recurring billing support
- β Multi-currency support
Payment Gateway Setup & Integrations
We set up and integrate payment gateways with your existing software, website, or app β no technical headaches.
- β Authorize.net, NMI & more
- β Shopify / WooCommerce
- β CRM & ERP integrations
- β API & webhook support
ACH & eCheck Processing
Accept bank-to-bank ACH payments and eChecks at a fraction of the cost of card processing β ideal for B2B and recurring payments.
- β Low processing fees
- β Same-day & next-day ACH
- β Recurring ACH billing
- β High-volume friendly
Ready to cut your processing fees?
Talk to Santos today β free statement analysis, no obligation, no pressure.
Dual Pricing & Cash Discount Programs
Eliminate or drastically reduce your processing fees with compliant dual pricing and cash discount programs.
- β 100% legal & compliant
- β Offset processing costs
- β Customer-facing signage
- β Works with most terminals
High-Risk Merchant Accounts
Specialized merchant accounts for businesses in high-risk industries that traditional processors often decline.
- β CBD, firearms, travel & more
- β Competitive rates for high-risk
- β Chargeback management
- β Multiple banking options
Chargeback & Fraud Prevention
Protect your revenue with proactive chargeback alerts, dispute management, and fraud prevention tools.
- β Chargeback alerts
- β Dispute response support
- β Fraud detection tools
- β Revenue recovery
Gift Card & Loyalty Programs
Increase repeat business and customer lifetime value with branded gift cards and loyalty reward programs.
- β Custom branded gift cards
- β Digital & physical options
- β Loyalty points system
- β Easy redemption tracking
Recurring Billing & Invoicing
Automate your billing with recurring payment schedules and professional digital invoicing β get paid on time, every time.
- β Subscription billing
- β Automated invoicing
- β Payment reminders
- β Failed payment retry logic
Merchant Funding & Working Capital
Access fast business funding based on your payment processing volume β no lengthy bank applications required.
- β Merchant cash advances
- β Quick approvals
- β Flexible repayment
- β No fixed monthly payments
Business Payment Consulting
Not sure what you need? We analyze your current setup and help you lower fees, pick the right software, and optimize your payment stack.
- β Fee audit & analysis
- β Processor comparison
- β Software recommendations
- β Ongoing advisory support