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Get your money right.

Merchant services, POS and business insurance for small businesses.

Card processing, payment terminals and online checkout, plus business insurance through our licensed partner agency, all set up by people you can actually call.

Get a free rate review See our services

Questions? Call 1-855-GET-UPWARD · ¿Habla español?

Payment types we support

  • Visa
  • Mastercard
  • American Express
  • Discover
  • UnionPay
  • Credit cards
  • Debit cards
  • Contactless payments
  • Mobile wallets
  • Online payments
  • ACH
  • Gift & loyalty
  • Recurring billing
  • Fleet cards
  • Prepaid cards
  • EBT
  • HSA/FSA cards
  • Visa
  • Mastercard
  • American Express
Why Upward Merchant

We put it in writing

$500 rate guarantee

If we can't beat your current rates and fees, we'll pay you $500.

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Next-day funding

Batch settlements can be deposited the next business day.

24/7/365 support

Technical support any time, any day, plus one real person you know by name.

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$500 guarantee: Requires a recent processing statement from your current provider. See guarantee terms.

Services

Everything you need to get paid

One partner for in-store, online and on-the-go payments, plus the tools that help you grow.

Credit card processing and merchant services

Accept credit and debit cards with clear pricing and easy-to-read statements.

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EMV and NFC credit card terminals

Countertop, wireless and all-in-one terminals for chip, tap and swipe.

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Clover POS

Clover Station, Mini, Flex and Go, with setup and training.

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SkyTab POS for restaurants

Restaurant POS with online ordering, pay at the table and kitchen displays.

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Mobile payments

Phone and tablet readers, tap to pay and QR codes for business on the go.

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E-commerce solutions

Website checkout, payment links, virtual terminal and subscriptions.

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Gift cards and loyalty programs

Branded gift cards, loyalty points and mobile rewards.

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Check and ACH services

Check conversion, eChecks and ACH bank payments.

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See all services

Industries

Set up for your kind of business

Restaurants

Pay at the table, tips, online ordering and a POS your servers can learn fast.

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Food trucks

Mobile readers and a fast POS that keep the line moving, wherever you park.

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Salons and barbershops

Tips, booth renters, gift cards and memberships that bring clients back.

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Auto repair shops

Large tickets, fleet accounts and invoices, with fees you can actually read.

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Retail stores

Fast checkout, inventory tracking and online sales in one system.

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Medical and dental offices

Front-desk terminals, payment plans and text-to-pay for patient balances.

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Contractors and home services

Card readers for the job site, invoices, deposits and ACH for big jobs.

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Gyms and fitness studios

Recurring memberships, class packs and retail sales without the chasing.

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See all 24 industries

How it works

Up and running in three steps

1

Tell us about your business

Share a few details and, if you have one, a recent processing statement.

2

Get your rate review

We walk you through your options and pricing, line by line.

3

Start getting paid

We set up your account and equipment so you can start taking payments.

Ask us anything

Questions about fees, POS or switching?

Our automated assistant answers right away, day or night. When you're ready for real numbers, it hands you to a person.

Please don't type card numbers or passwords.

FAQ

Common questions

How long does it take to get set up?
Most businesses can apply in one short conversation. Once your application is approved, we schedule equipment and setup around your hours. We'll give you a realistic timeline for your business up front.
Do I need new equipment?
Not always. If your current terminal or point-of-sale system is compatible, you may be able to keep it. If it isn't, we'll walk you through options that fit how you take payments.
Can I keep my current point-of-sale system?
In many cases, yes. Tell us what you use today and we'll check whether it can connect before you make any changes.
What does the free rate review include?
We go through a recent processing statement line by line, show you your effective rate and where the fees come from, and explain whether a different setup could cost less. There's no charge and no obligation.
How does the $500 rate guarantee work?
Send us a recent processing statement from your current provider. We'll review it line by line, and if we can't beat your current rates and fees, we'll pay you $500. Terms apply, and we'll go over them with you up front.
How and when do I get my money?
Card sales are deposited into your business bank account. Next-day funding is available for batch settlements, and we'll explain exactly when to expect funds for your account before you sign anything.

Ready to get your money right?

Tell us about your business. It only takes a few minutes.

Get a free rate review Call 1-855-GET-UPWARD
$500 rate guaranteeNext-day funding24/7/365 support

$500 guarantee: Requires a recent processing statement from your current provider. See guarantee terms.