How we serve and support our clients, every day.
Modern payment solutions that help you reduce processing costs, improve efficiency, and scale, with transparent pricing and reliable merchant support behind every account.
Reliable processing that keeps transactions smooth.
A merchant account is the foundation of everything else. Ours are set up to accept every major card brand and mobile wallet, settle quickly, and come with statements you can actually read.
- Visa, Mastercard, American Express, Discover, plus Apple Pay and Google Pay
- In-store, online, and on the go from one account
- Clear monthly statements with no surprise line items
- Chargeback and dispute help when you need it
- Fast funding options, subject to approval, to keep cash flow moving
Scalable tools for secure, high-volume payments.
When your business runs online, over the phone, or on recurring billing, you need more than a terminal. We connect the gateway, invoicing, and ACH tools that let you get paid however your customers want to pay.
- Online checkout and payment gateway for your website or store
- Invoicing and pay-by-link for service businesses and B2B
- Recurring billing for memberships and subscriptions
- ACH and bank transfers for large tickets at a lower cost
- Virtual terminal for phone and mail orders
Pay the lowest rate each transaction can qualify for.
Interchange is the wholesale fee the card networks set for every transaction, and it varies by card type, how the card is entered, and what data is sent with the sale. Most businesses overpay simply because their setup sends transactions into more expensive categories than necessary.
Statement audit
We review your current statement and show you which fees are interchange, which are network fees, and which are markup.
Setup corrections
Level 2 and Level 3 data, proper settlement timing, and correct merchant category coding can move transactions into lower-cost categories.
Ongoing monitoring
Interchange tables change twice a year. We keep watching so downgrades don't quietly creep back onto your statement.
Interchange and network fees are set by the card brands, not by Truly Payments, and change periodically. Savings from optimization depend on your card mix, transaction types, and setup, and are not guaranteed.
Reward cash. Stop eating card fees.
Post a standard card price and offer a lower price to customers who pay with cash or ACH. Your terminal applies the discount automatically and prints it on the receipt.
- Significant cost savings on card acceptance
- Transparent pricing customers see at the counter and on the receipt
- Best fit: auto repair, restaurants and cafes, specialty retail, convenience and fuel
- Set up compliantly with the right signage, receipts, and disclosures
Compliance matters. Card brand rules require that the posted price is the card price and that any cash discount is applied as a reduction, never as a fee added at the terminal. In California, the Honest Pricing Law (SB 478) also requires that advertised prices include all mandatory charges. Savings vary by business and card mix. This information is general and is not legal advice.