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PCI DSS Compliant · SOC 2 Type II

Payment processing, finally on your terms.

Flat-rate transparency, next-day funding, and a full stack of business tools — from POS hardware to working capital. Trusted by 12,000+ U.S. merchants.

Get a free quote See your savings
12K+
Active merchants
$4.2B
Processed annually
0%
Cancellation fees

PCI Vault

End-to-end tokenization

Next-day

Settlement, 7 days a week

Trusted Partners & Networks

Amex
Discover
Apple Pay
Google Pay
PCI DSS
FDIC
SOC 2
PCI DSS Compliant
SOC 2 Type II
FDIC-Insured Banks
Next-Day Settlement
/ 02 — Instant Quote   Step 1 / 2

See your savings. In 15 seconds.

Most merchants are overpaying 30–45% on processing. Plug in your numbers — Americard's Interchange-Plus pricing usually undercuts your current processor by thousands a year.

01 Calculate
02 Lock In
Savings Report · Live Calculating

Estimated Annual Savings

$3,150
$263 / month

Your Current

$875

per month

With Americard

$613

per month

Monthly Card Volume $25,000
Lock in this rate →

/ 01 — Products

The full stack for
modern merchants.

Nine integrated tools, one merchant agreement. Replace four vendors with one Americard relationship.

/ 01 · Processing

Payments

Card-present, online, ACH, and tap-to-pay. One stack, every channel.

/ 02 · Funding

Capital

Working capital from $5K–$500K. Funded in as little as 24 hours.

/ 03 · Hardware

POS Systems

Clover Station, Mini, Flex & Go. Pre-configured for your industry.

/ 04 · Gateway

E-commerce

Hosted checkout, Shopify, WooCommerce, BigCommerce integrations.

/ 05 · Account

Banking

Business banking with same-day deposit, virtual cards, no monthly fee.

/ 06 · 0% Program

Cash Discount

Offset fees with a compliant cash discount or surcharge program.

/ 07 · Software

CRM

Customer profiles, loyalty, automated win-back campaigns.

/ 08 · Growth

Marketing

Local SEO, Google Ads, email & SMS — managed for you.

What you get vs. what they sell.

No tiers. No surprises. No hidden monthly minimums. Here's how Americard compares to the typical processor.

Feature Americard Typical Processor
Effective rate 2.25% + $0.10 2.9% – 3.5% + $0.30
Monthly fees $0 statement fee $15 – $45
PCI compliance fee Included $99 – $199/yr
Early termination fee $0 Up to $495
Next-day funding YES NO
Free Clover Terminal if qualified YES NO
Dedicated rep YES NO
Cash discount program YES NO

/ 04 — Industries

Built for your business.

Pre-configured workflows, hardware, and integrations for the verticals we know best.

Retail store — woman assisting customer
/ 01

Retail

Brick-and-mortar storefronts, boutiques, specialty retailers.

Restaurant interior with dining tables
/ 02

Restaurants

QSR, full-service, bars. Tableside, kiosk and online ordering.

Medical professional typing on laptop
/ 03

Medical

Clinics, dental, vet & wellness. HIPAA-aware payment flows.

Hand holding credit card for e-commerce
/ 04

E-commerce

Hosted checkout, Shopify & WooCommerce-ready integrations.

Professional service worker at desk
/ 05

Service

Trades, salons, professionals. Mobile take-and-go terminals.

Government meeting room with people
/ 06

Government

Permits, fines, utilities. Level III data & convenience fees.

Common Questions

Frequently Asked Questions

No. Americard is an independent card refresh service and is not affiliated with, endorsed by, or a representative of any bank, card network, or financial institution.
We support most major card types including Visa, Mastercard, and Discover. American Express support may vary depending on the merchant relationship. If you're unsure, contact our support team before submitting.
No. Your card information is used only to complete the refresh workflow. It is not retained, stored in a database, or accessible after the process completes.
Most refreshes complete in under 2 minutes. In some cases, merchant-side propagation may take up to 24 hours to fully reflect in billing systems.
You will receive a clear error message explaining the reason. Common causes include incorrect card details or unsupported merchant types. Contact our support team for assistance if the issue persists.
No payment is collected from cardholders on this page. This service is provided to help you keep your payment methods current without disruption.
Reach our team at support@americard.com. We're available Monday through Friday, 9am–6pm EST.

Still have questions? Contact our support team

/ 06 — Trusted by 12,000+ Merchants

They left their processors. They didn't look back.

"Switched from our old processor and saved over $11K in the first year. The onboarding rep walked us through every step — felt like having a CFO on speed dial."

Sarah Jeppesen

Owner, John's Pizza Co.

"The Clover POS came pre-configured for our menu. We were taking orders within an hour of delivery. Customer support is genuinely a real human."

Landon Hollist

GM, ProSync Solutions

"We tried three processors before Americard. Their cash discount program kept our margins healthy through the worst of inflation."

Klaudia Williams

Founder, Quantum Innovations

/ 07 — FAQ

Questions, answered.

Most merchants are approved and processing within 24 hours. Our team handles the paperwork and system setup — you just need to submit your application and we take care of the rest.
None. Americard has a $0 cancellation fee, no early termination penalty, no statement fee, and PCI compliance is included. What you see in the quote is what you pay.
Yes. We offer free EMV-compliant terminals and pre-configured Clover hardware (Station, Mini, Flex, and Go) for qualifying merchants. Hardware is set up for your industry before it ships.
Visa, Mastercard, Amex, Discover, ACH, Apple Pay, Google Pay, and card-present chip and tap. Online, in-store, and mobile — all through one merchant account.
Batches settled by 8PM ET are deposited to your business bank account by the next business morning — 7 days a week including weekends and most holidays. No waiting 2–3 days.
Yes, when implemented correctly. Americard's compliant cash discount program follows card network rules and applicable state laws. We configure it for you and provide the required signage to stay compliant.

More questions? Call us at (800) 352-1654 or email our team

/ 08 — Get Started

Get a real quote in under 10 minutes.

Drop your details. We'll match you with a senior advisor, audit your last statement, and put a savings number in writing — no obligation.

Call (800) 352-1654
Email sales@americardprocessing.com
Hours Mon – Fri · 7AM – 9PM ET

By submitting you agree to our terms. We'll never share your info.

Request received!

A senior advisor will reach out within one business hour to review your statement and build your savings report.