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Merchant Processing

Reliable card processing for modern businesses.

Accept major credit and debit cards with transparent pricing, competitive rates, and funding options built around your operation.

Schedule a Consultation See your savings
Statement review Savings found

Effective rate

2.6%3.4%↓ 0.8% lower
Card brandsVisa · MC · Amex · Disc
FundingNext business day
Support1 dedicated contact
Accept anything

However your customers pay.

01 — In-person

Sell across the counter or on the floor.

Smart terminals, countertop and handheld readers that take every card the way your customers want to pay.

  • EMV chip, contactless tap & magstripe swipe
  • Countertop, handheld & all-in-one smart terminals
  • Next-day funding on settled batches
  • Works with the POS hardware you already run
See POS hardware
$48.20Approved · tap to pay
Transparent pricing

See where every cent goes.

Most of your rate is pass-through cost. We only mark up one line — and we show it.

InterchangeSet by the card networks64%
AssessmentsCard-brand fees12%
Chance markupClear & disclosed24%
Your effective rate2.6%

Illustrative breakdown. Your actual rate depends on card mix, ticket size, and business type.

Why Chance

Built to reduce friction.

We simplify checkout, cut unnecessary fees, and give you one contact who knows your account — strategy and hands-on service instead of being left to figure it out alone.

The usual way

Processing without Chance

  • Bundled tiers that hide your real markup
  • A 1-800 line and a new rep every call
  • Slow approvals and underwriting limbo
  • Rip-and-replace your hardware and gateway
  • Surprise fees buried in the statement
vs
With Chance

The Chance way

  • Simplified Pricing Model
  • One dedicated contact who knows your account
  • Reviewed and live in 24–48 hours
  • Keeps your existing POS, gateway & tools
  • No junk fees — strategy and hands-on service
Take a Chance
What you can expect

Clear terms. Real support. No surprises.

Transparent pricing

Interchange-plus quotes with every layer visible — compare us line by line against your current statement.

Next-day funding

Each business day’s sales land in your account the next business day, as the default.

One dedicated contact

A real person who knows your account answers — no call-center maze, same-day replies.

In the field

Every way your customers pay.

Tap on any device

Watches, phones, cards — your terminal accepts them all without skipping a beat.

Wireless, done right

Contactless payments that are fast, secure, and built for real checkout lines.

Frequently Asked

Switching, simplified.

01How fast can I switch processors?
Most merchants are reviewed and live within 24–48 hours once we have your details and a recent statement.
02Will I have to replace my POS or gateway?
Usually not. We work with your existing POS, gateway, and ecommerce tools wherever possible.
03How do you keep pricing transparent?
We show interchange, markup, and fees line by line — no bundled tiers or surprise add-ons.

Ready to get started?

Send us a recent statement and we'll show you where you can save.

Contact Chance Payments Call (805) 242-1965