Credit Card Processing
Accepting credit and debit cards is table stakes for business today — but getting the right processing setup at the right price takes an advocate on your side. e-paynow arranges and manages your card processing through established processing partners, and we handle the part most providers won’t: your contract and your pricing.
How it works
We take a consulting approach. e-paynow doesn’t operate the card networks or move the money ourselves — processing is performed by our established processing partners. What we do is sit on your side of the table:
- We analyze your current processing — statement review, effective rates, fee breakdown, equipment, and settlement timing
- We write your contract — clear, plain-language terms you actually understand, with no auto-escalating rates or buried fees
- We set your pricing — built around your ticket sizes, card mix, and volume, so you’re not paying a one-size-fits-all rate
- Our partners handle the processing — authorization, settlement, deposits, and support, through a platform we’ve vetted
What your business gets
All major cards accepted — Visa, Mastercard, Discover, and American Express, plus contactless and mobile wallets (Apple Pay, Google Pay, Samsung Pay).
The right pricing model for you. We’ll recommend the structure that fits your business, including:
- Interchange-plus — transparent cost-plus pricing that passes network fees through at cost with a fixed markup
- Tiered — simple qualified/mid-qualified/non-qualified rates for predictable billing
- Flat rate — one rate for everything, easy to forecast
- Surcharging / cash discount programs — offset processing costs where permitted by card network rules and state law
Equipment and integrations. Countertop terminals, mobile readers, virtual terminals, and e-commerce gateways — matched to how you actually sell, in-store, online, or on the go.
Transparent statements. We review your processing statements with you regularly, so you always know what you’re paying and why.
Support from a person, not a phone tree. You get our direct line: (925) 314-9700.
Why buy through e-paynow?
Because pricing and contracts are written by us, you get accountability the big processors can’t offer. No call-center runaround, no rate hikes buried in an annual update letter. If a fee doesn’t make sense, you call us and we fix it — because your agreement is our work.
Get started
Send us your most recent processing statement for a free, no-obligation review. We’ll show you exactly what you’re paying today, where you’re overpaying, and what your pricing could look like.