ACCESS Payment Processing provides merchant processing services and equipment to businesses and financial institutions in all 50 states. Established in 2005, we service hundreds of clients in virtually every industry or profession.
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Virtual
Terminal
APP allows clients to process payments with Virtual Terminal. It's secure, reliable and cost-effective for authorizing and managing transactions.
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Mobile
Payments
Turn your cell phone into a mobile payments device. Accept credit cards in the field, on the job site, or anywhere on the go. Available for use on more than 400 mobile devices.
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Check Services & ACH Payments
Allowing customers to pay with checks improves customer satisfaction and increases sales. ACH features include; 24-hour access to online reporting and automated recurring billing at no extra cost.
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QuickBooks
Effortlessly record transactions, prepare tax documents and track expenses all through QuickBooks. We offer secure payment plugins to deliver seamless integration for your business.
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Online Reporting
All clients have full access  to My Virtual Reports which is updated on a daily basis.  Clients are provided with customized, drill- down capabilities that can be manually exported into multiple programs.
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Gift Cards & Loyalty
Attract new customers,  eliminate cash-back and generate store traffic with gift cards. We'll set up your terminal at no cost, and provide you with 30 standard start-up cards for free.

Who we serve

ACCESS Payment Processing provides Merchant Processing services to businesses in nearly every industry. Here's just a snippet of some of the industries we serve every day. 
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Restaurants
Each restaurant has different business needs. We are able to provide adaptable payment solutions to fit those needs, especially when it comes to equipment. Whether it be pay at the table, wireless terminals or an integrated POS system, we assess the needs of the restaurant and cater our solutions accordingly.
Medical Offices
APP helps medical and dental offices lower costs and create administrative efficiencies centered around their patient payments. We provide access to streamline reporting and billing which allows them more time to focus on what's most important - caring for their patients.
Salons & Spas
Individuals in the salon & spa industry usually consist of small business owners and one-person companies. Through lower monthly fees and affordable options for equipment, APP is able to significantly lower costs to assist with business growth and development.
Specialty Retail
When it comes to retail, we provide customized payment processing solutions for all industries. Whether you're a small, local business or an established boutique, we offer both affordable and user-friendly payment solutions. We make retail payment solutions hassle-free, so you have one less thing to worry about. 

Frequently asked questions

APP is a vital partner to help grow your business. We facilitate credit card processing for several types of businesses, including but not limited to; specialty retail, restaurants, salons, medical offices, e-commerce, mobile, and mail order businesses. 
You do not need a business checking account to partner with us. You only need a U.S. based personal or business checking account. 
Let us help you broaden your potential customer base. When you work with APP,  you will be able to accept all major credit cards including; Visa, MasterCard, Discover, American Express, pin based debit, EBT, Voyager and Wright Express.
If you're a business owner, you can make sales and accept credit card payments anywhere thanks to credit card readers that process payments using an Android smartphone or tablet. APP uses Bluetooth EMV card readers to do this.
We work closely with our vendors to get your money to you as soon as possible. Settled credit card batches will be posted to the checking account on file within 48 hours. Specific industry types are eligible for next day funding. 
At APP, we pride ourselves on providing the best customer experience. Many national Merchant Service Providers will give you an 800 number to call. At APP, we give our clients our personal cell phone numbers so you can reach us 24 hours a day, 365 days a year. 
Monthly statements are available for online download and traditional mailed statements are available as well. 
Address verification is important for online sales. The AVS system is used to verify the address of a person claiming to own a credit card. 
Protecting our clients from fraud is extremely important to us. All credit card terminals can be programmed with a user or manager password to allow or deny specific operating functions. Further, all terminals can be programmed to require a password be entered after five seconds of processing the latest transaction. To our knowledge, APP clients have never had a compromise to their credit card systems through a security breach.  
 

what our customers are saying...

 “We are completely satisfied with our credit card processing from this group. They are all very customer focused and responsive, and are always coming up with new ideas and thoughts about how we can run our business more efficiently." - Pat Lacy, Owner, The Old Mattress Factory
 
"We recently became aware of Access Payment Processing through conversations with colleagues. We were able to save thousands of dollars with our multiple affiliated companies by moving to Access Payment Processing." - Tom Waldron, Chief Financial Officer, Midwest Gastrointestinal Associates
 
"Access Payment Processing and their virtual terminal solution are very user-friendly and provide better reporting at a cost substantially lower than our previous provider. Their team made the conversion to APP smooth and painless. We greatly value their responsiveness, professionalism and overall attitude of true partnership that they bring.” - Lou Meek, Accounting Manager at Fyzical Therapy and Balance Centers
 
"We have worked with the team at Access Payment Processing for several years now and their product and services are top-notch. They are swift, friendly and easy to work with.  I would recommend this group to any company." - James Manske, Owner & CEO, Elkhorn Lawn Care