Merchant services that answer your business needs

Innovative payment solutions for payment challenges. Dual pricing that helps merchants accept credit card processing without paying the fees.

Deciding on a merchant services provider can impact your finances, your operations, and ultimately how you serve your customers. Our fully integrated system of hardware, software, and services can help any business manage payments and risk.

25+ banking partners to approve even high risk merchants. Multiple processing platform connections provide flexibility.

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Merchant Account
Credit Card Processing Services

Get paid your way for less no matter how you accept credit card payments

Payment Solutions for Different Business Needs

From standard merchant accounts to high-risk payment processing and dual pricing solutions, we tailor every payment solution to fit your business.

✓ Keyed and online payment processing

✓ Surcharging capabilities to pass on fees

✓ Wireless - retail - ecommerce & high risk

✓ Multiple payment integration options

Accept and Process Payments Effortlessly

Credit and Debit Card Payments

Accept every type of payment, Visa, Mastercard, American Express, and Discover for both in-store or online purchases making transactions effortless for you and your customers.

ACH and Bank Transfer Payments

Support your customers with robust, highly secure ACH processing designed for subscriptions and high-value orders.

Digital Wallet Payments

Accept payments via Apple Pay, Google Pay, Samsung Pay and other digital wallets for a fast, secure checkout experience.

Mobile Payments On-the-Go

Use our RCKT mobile POS solution to process payments anywhere. Traditional swipe plus tap and dip. Cards & digital wallets.

Payment Solutions for Different Needs

Maximize profits with streamlined all-in-one payment solutions

B2B Payments

Backed by 25+ banking partnerships, we offer options other processors simply lack—meaning more approvals, better rates, and long-term account stability.

High-Risk Merchant Account

Get approved where traditional processors decline. We support high-risk industries through partnerships with 25+ banks and an infrastructure built for your regulatory needs.

POS & In-Store Payments

Accept and process payments anywhere your operates, in-store, mobile, and online. Backed by real-time reporting and insights all in one unified system.

Subscription Billing

Turn billing friction into predictable revenue. Automate recurring payments, minimize payment failures, and keep subscribers for the long haul with intelligent, end-to-end billing.

A System That Grows With You

Streamline your online transactions with multi-method payment support, a frictionless checkout experience, and the familiar trusted options for your customers.

Modern Tech Paired with Real Savings

Most processors set up your account and disappear. Encore Payments pairs your approval with ideal POS tech and fee elimination program so everything works from day one.

Eliminate Your Credit Card Processing Fees

Finally Break Free from Confusing Statements and Ever‑Increasing Fees

Merchants today are overwhelmed by rising interchange costs, unpredictable monthly statements, and profit margins squeezed by ever‑increasing processing fees. Encore Payments solves these frustrations with three fully compliant programs—each designed to dramatically reduce or even eliminate your credit card processing costs. By removing the burden of excessive fees, you keep more from every sale and finally gain control over your bottom line.



Dual-Pricing

Dual-Pricing

Display two prices at the point of sale. One for cash, one for card. Customers choose, and card fees are offset automatically. Our most popular program. 

Surcharging

Surcharging

Add a compliant surcharge at checkout for credit card transactions. Simple, transparent, and legal in most states. A straightforward way to recover processing costs.

True Cash Discount

True Cash Discount

Reward customers who pay with cash by offering a discount off your standard price. Clean, compliant, and easy to explain to customers. 

 

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Three flexible programs that you can enable

Choose the approach that fits your customers, your industry, and the way you operate. 

Three compliant programs installed that you can enable, each proven to greatly reduce or virtually eliminate your processing fees allowing you to keep more of every sale.

  • Clearly displays a cash and card price on the screen
  • Also works for POS and inventory merchants

Dual-Pricing

Our Most Popular Program

With our signature Dual-Pricing program your terminal automatically displays two prices at checkout. A cash price and a card price. When customers pay by card, the processing fee is built into their price. When they pay cash, they get the lower price. You keep more of every sale. Dual Pricing has been used at gas stations for over a decade, and is now available to all business types.

 

Surcharging

Simple and Transparent

Credit card Surcharging allows businesses to add a small, clearly disclosed fee to transactions paid by credt card. Unlike dual-pricing, surcharging applies only to credit cards, not debit cards, and must follow card brand rules and state regulations. Our surcharge program is fully compliant, properly disclosed, and easy to manage. 

True Cash Discount

Reward Your Cash Paying Customers

Transform your processing fees into customer rewards. A True Cash Discount program works by building the cost of card acceptance into your standard pricing, allowing you to offer an instant discount to customers who pay with cash. It is one of the cleanest and most customer-friendly ways to offset processing costs because customers feel rewarded rather than penalized.  Encore Payments manages all terminal setup and regulatory compliance, ensuring you can launch quickly, legally, and confidently.

How it Works

Apply In Minutes

Getting started is quick and easy. Our streamlined, fully online application takes just minutes—no piles of paperwork or complicated steps.

Fast, Clear Approval

We move fast -- most approvals happen within 3-5 business days. If we need anything from you, we'll communicate clearly and keep things moving. 

Start Accepting Payments

Once approved, you're ready to go! Our secure and flexible payment solutions make it easy to accept payments. Plus, out in-house support team is with you every step of the way. 

Track, Grow & Relax

Monitor transactions in real-time through our all-in-one platforms. Whether you're scaling up or just getting started, we've got the tools and support to help your business thrive. 

Cash Discount vs. Dual-Pricing:
What is the Difference?

Stop losing a percentage of every sale to processing fees.

Both programs result in the same outcome. The business pays little to no processing fees. The difference is in how it is presented to the customer. Dual-pricing shows two prices side by side. A cash discount shows one standard price with a discount applied at checkout for cash payers.

Not sure which approach makes the most sense for your storefront or customer base?
Our team can help you decide which approach fits your business best. 

 

 

1 Tell us about your business
The basics about your business and what you do.

2 Your payment processing needs
How you plan to use merchant account.

3 A little bit about you
Verify your identity and you’re all set!

Getting approved
Based on the information you provide, we will match you with the ideal banking partner for your business type—whether low-risk or high-risk—and pre-fill your merchant account application. Complete the form above to get started.

Step 1 - Getting Started

Simply fill in these fields to generate your merchant account application and get the approval process started.

Do you currently accept credit card payments?