A terminal on the counter
Tap, chip, and phone payments with a printed receipt. An Ingenico Desk terminal suits shops, salons, and service counters.
Credit card processing for your new business.
Compare equipment, estimate what processing will cost, and get help setting up a merchant account. You don’t need any processing history.
Free, no commitment, and you deal with us directly
Already accepting cards somewhere else? The statement audit is the faster route for you.
What do you need to accept credit cards?
A merchant account, a way to take payments, and somewhere for your sales to settle. We help you put them together.
- 01 A merchant accountThe account that lets you accept cards and have the money settle to you. You apply for it; a bank underwrites it.
- 02 Something to take the cardA terminal on the counter, a reader in your pocket, a full POS, or a payment page online. Which one depends on how you sell, not on how big you are.
- 03 A business bank accountWhere your card sales land, usually the next business day.
Not sure which device fits how you sell? See the four shapes below
Which card reader or POS you need depends on how you sell.
Start with your counter, your customers, and the way you work.
A full register
Elavon POS (talech) combines payments, inventory, and staff tools. A restaurant build adds a kitchen printer.
Something you carry
An Ingenico Move for tableside and field work, or a simple mobile reader for occasional payments.
A full Clover system
Station Duo pairs a full register with a customer display, cash drawer, and receipt printer. Runs on Clover’s own platform.
Explore Clover systemsNot sure which fits? Compare payment equipment
Equipment is quoted separately from processing, for rental or purchase. Clover equipment is quoted for your business; an existing Clover device cannot transfer to a new account.
What does credit card processing cost?
Start with the published card-present rate below. Processing and equipment are shown separately, with your final quote confirmed after we understand your business.
- 012.19% + 9¢ per card-present transaction
Our published starting rate, the same one an existing business is quoted. Your final rate is confirmed once we understand your business.
- 02No monthly platform fee
There is no separate monthly charge for the processing account itself.
- 03Equipment is quoted separately
Buy it outright or rent it. Equipment is its own line on your quote, separate from your rate.
- 04Month to month
No long-term processing contract and no cancellation fee. If it does not work out, you leave.
- 05Some charges pass straight through
A small number of charges are set by the card networks, not by us, and are passed through at cost.
- 06Online and keyed sales price differently
Card-not-present transactions carry a different cost than card-present ones. We quote those from how you plan to sell.
Want a number for your own projections?
Estimates are not quotes. Actual cost varies with your volume, average ticket, card mix, and how you take payments.
What do you need for a merchant account?
These are the four things banks normally ask for. If your situation needs more, we’ll explain what and why.
- Business detailsYour legal business name and structure, with an EIN if you have one. Sole proprietors are often asked for an SSN instead.
- Deposit accountThe business bank account where your card sales will settle.
- Owner identificationPhoto ID for the owner or officer signing the application.
- Sales expectationsWhat you sell, how customers will pay, and roughly what you expect to process. A projection is fine when you have no history.
We complete the application with you. The bank makes the approval decision, and we explain any questions or conditions before you sign.
No statement or processing history required.
How to start accepting credit cards.
There are four steps, and you’ll know who to call at each one.
- 01Tell us how you will be selling
Counter, mobile, online, over the phone, or some mix. This decides the equipment and how you get priced.
- 02We put the application together
We complete it with you rather than emailing you a blank form, so it goes in right the first time. You review and sign.
- 03Underwriting reviews it
This is the step nobody can put a firm clock on. Straightforward applications move quickly; some come back with questions first.
- 04Equipment, setup, first sale
Once you are approved we get the hardware to you, set it up, and stay on the phone through your first transactions.
We don’t give new accounts a go-live date up front, because underwriting sets the pace and we don’t control it.
New business questions
Do I need an LLC to accept credit cards?
No. A sole proprietor can apply with an SSN as the tax ID instead of an EIN. You still need a business bank account for your sales to settle into and photo ID for the owner.
How long does it take to get approved?
Underwriting sets the pace, so we don’t promise a go-live date up front. Straightforward applications move quickly; some come back with questions first. Once you’re approved, we get your equipment to you and set it up.
Do I need processing history or a statement to apply?
No. Tell us what you sell, how customers will pay, and roughly what you expect to process. A projection is fine when you have no history.
Will a new business pay a higher rate?
No. New businesses are quoted from the same published rate as an established one. Card-present processing starts at 2.19% + 9¢, and higher-volume businesses can qualify for a lower rate.
What does it cost to start accepting cards?
There’s no monthly platform fee and no long-term contract. You pay processing on each sale, and equipment is a separate line on your quote, to buy outright or rent.
Can I take payments online or over the phone too?
Yes. Online and keyed sales carry a different cost than card-present ones, so we quote them from how you plan to sell.
Tell us how you’ll sell, and we’ll start the application.
You don’t need a statement. Start with your name and phone; we prepare the application with you, you review and sign, and equipment ships after approval.
You deal with Aarish or Azaan directly. Our story