New accounts (800) 644-5986
Payments for every counter, phone and screen

Get paid at the speed of light

Terminals, POS systems, online checkout and payments inside your software. One account, next-day funding, and real people on the phone 24/7/365.

Qualify for free equipment. No cancellation fees. No hidden fees.

TODAY'S SALESLIVE
$0.00
Example storefront. Funds deposit next business day.
    20+Years processing payments
    24/7/365Live support, every day
    Next dayFunding on approved accounts
    $0Cancellation fees

    Accept every way your customers pay

    Products

    One account. Every way to get paid.

    Take payments at the counter, on the go, on your website and inside your app. Tap a card to see it run.

    9:415G
    yourstore.com/checkout
    Neon wall signQty 1
    $96.00
    Sunset printQty 1
    $32.00
    Total$128.00
    4242 4242 4242 4242
    Pay $128.00
    Approved $128.00
    Your Brand
    Monthly planRenews Dec 13
    $49.00
    Pay Your Brand
    Pay with wallet
    Visa ending 4242
    Confirm $49.00
    At the counter
    $64.50Tap, insert or swipe
    Approved $64.50
    Water and sewer, October$142.87Due Nov 23
    Paid by scan
    Messages
    Can I pay for the detail job by text?
    Sure, sending a link now.
    Your BrandFull detail, Nov 13Pay $210.00
    Paid from link
    Customer's AI assistant
    • 1
      Found itAnnual plan, Your Brand
    • 2
      Checked the price$128.00, under the $200 limit
    • 3
      Cardholder approvedBefore any charge
    • 4
      Paid, receipt sentCard number never shared
    Live previewOnline payments

    Qualify for free equipment

    Smart terminals, wireless terminals, countertop terminals and POS systems for qualifying merchants. Ask a specialist what you qualify for.

    Smart terminalWirelessCountertopPOS systemMobile readerTap to Pay
    Solutions

    Built for the business you actually run

    Every industry has its own payment problem. Pick yours to see how we set it up.

    Developers

    Code that lights up the grid

    Put payments inside the software you already sell. A sandbox, webhooks and a complete API reference, under your own brand.

    SANDBOX
    Pricing

    Clear pricing. Nothing hidden.

    Card network fees pass through at cost. Our rate is in your agreement. You see every line.

    1
    InterchangeSet by Visa, Mastercard and the other networks.
    At cost
    2
    Our rateWritten into your agreement. No surprises on the statement.
    In your agreement
    3
    Dual pricing optionPass the card fee to card-paying customers where card brand rules and state law allow.
    Optional
    No cancellation fees No hidden fees Next-day funding 24/7/365 support
    How it works

    From application to first deposit

    1. 1
      Apply onlineAbout 5 minutes. Or call (800) 644-5986.
    2. 2
      Review your pricingA specialist walks through rates and equipment with you.
    3. 3
      E-sign on your phoneYour agreement arrives by secure link to review and sign.
    4. 4
      Set up and trainEquipment ships or your gateway goes live, with a setup call.
    5. 5
      Get paid next dayDeposits land the next business day. Support never closes.
    Exceed Partners

    Ride with us. Partner up.

    For agents, ISOs, software platforms and anyone who refers businesses that take cards. Bring your merchants and keep the relationship.

      Ready when you are

      Your next sale could clear tonight

      Apply in about 5 minutes. A specialist reviews your pricing with you before anything is signed.

      Products

      Everything it takes to get paid

      Accept payments anywhere, run the back office from one dashboard, and earn more from every sale.

      Accept payments

      Six ways in. One account.

      Hardware

      Terminals and POS, free for qualifying merchants

      Every device takes chip, swipe and contactless, including Apple Pay and Google Pay.

      Run the operation

      The back office, handled

      Earn more

      Keep more of every sale

      Add-ons

      Optional add-ons at list price

      Turn a feature on when you need it and off when you don't.

      Solutions

      Set up for your industry

      Payments in and payouts out, configured for the rules your business runs on.

      By industry

      Pick your lane

      Retail

      Scan, sell, restock

      Run the register and the stockroom from the same screen.

      Restaurants and bars

      Orders out, tips in

      From the front of house to the kitchen printer.

      Software platforms

      Payments inside your product

      Your brand on the checkout, the receipt and the dashboard. Every business you bring on gets its own merchant account, and you see all of them in one place.

      Developers

      Build on the grid

      Real API, test money, no contract to sign. Take a test payment before you talk to anyone.

      Quickstart

      First test payment in four steps

      1. Get sandbox keysTest keys and test cards. No real money moves.
      2. Create a paymentOne call to the payments endpoint, or use hosted checkout and skip the form.
      3. Listen for webhooksAn event for every payment, payout and dispute.
      4. Go liveSwap test keys for live keys once your account is approved.
      EXAMPLE
      Build

      Tools for the engineers who embed it

      Networks and rails

      What one integration carries

      Webhooks

      Know the moment money moves

      Example events. The full list ships with your sandbox keys.

      EventFires when
      Pricing

      See every line

      Network fees at cost, our rate in writing, and options that can cut what you pay to accept cards.

      Pricing programs

      Choose how you pay to accept cards

      Calculator

      What are you paying today?

      Your effective rate is total fees divided by total card sales. It's on your current statement, or we can work it out for you.

      What's included

      With every Exceed Pay account

      Feature
      Live phone support24/7/365
      FundingNext business day
      Cancellation feeNone
      Hidden feesNone
      Interchange-plus pricingAvailable
      Dual pricing and surcharge programsAvailable where permitted
      Free equipmentFor qualifying merchants
      Cards and walletsVisa, Mastercard, Discover, American Express, UnionPay, PayPal, Apple Pay, Google Pay
      Rate analysis

      Send a statement. Get the real number.

      We read your current processing statement line by line, show your effective rate today, and price your account against it.

      ICON:search
      What we look at
      • CHKInterchange categories and downgrades
      • CHKMarkups, monthly and per-transaction fees
      • CHKEquipment leases and gateway fees
      • CHKYour effective rate, before and after
      FAQ

      Questions people ask first

      Is there a contract or cancellation fee?

      There is no cancellation fee. Your agreement lists every fee before you sign, and a specialist walks through it with you.

      How fast do I get my money?

      Approved accounts are funded the next business day. Timing depends on your account's approval terms.

      What is dual pricing?

      You show a cash price and a card price, and card-paying customers cover the cost of card acceptance. It must follow card brand rules and the laws of your state, and we help you set it up correctly.

      Do I really get free equipment?

      Qualifying merchants can receive terminals or POS systems at no cost. Eligibility depends on your business type and processing volume. Ask your specialist for the details.

      Partner program

      Grow with Exceed Pay

      Agents, ISOs, software platforms, banks and associations. Bring your merchants. We handle the processing, support and payouts.

      Who we partner with

      Pick your partnership

      What you get

      Built to earn from it