Merchant processing

Get your money right.

Card processing, payment terminals and online checkout for businesses of every size, set up by people you can actually call.

Get a free rate review See our services

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

Accept every way your customers pay

Credit & debit cardsTap to payMobile walletsOnline checkoutACH & eChecks

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.

Next-day funding

Batch settlements can be deposited the next business day.

24/7/365 support

Technical support any time, any day, plus a local person you know.

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

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

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.

EMV and NFC credit card terminals

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

Clover POS

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

SkyTab POS for restaurants

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

Mobile payments

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

E-commerce solutions

Website checkout, payment links, virtual terminal and subscriptions.

Gift cards and loyalty programs

Branded gift cards, loyalty points and mobile rewards.

Check and ACH services

Check conversion, eChecks and ACH bank payments.

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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Coffee shops and bakeries

Quick tap-to-pay, tips, loyalty and online ordering for the morning rush.

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Bars, breweries and nightclubs

Open tabs, quick tips and end-of-night closeouts that add up.

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Convenience, liquor and smoke shops

Barcode scanning, age checks and inventory for high-volume counters.

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Online stores and ecommerce

Checkout for your website, payment links and fewer chargebacks.

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Professional services

Invoices with a pay button, retainers, ACH and card on file.

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Churches and nonprofits

Online and recurring giving, event tickets and card readers for events.

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Hotels, motels and short-term rentals

Deposits, holds for incidentals and front-desk terminals.

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Pet groomers, vets and pet stores

Checkout, tips, packages and payment plans for pet care.

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Childcare, schools and tutoring

Autopay for tuition, registration fees and online payments for parents.

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Laundromats, dry cleaners and car washes

Counter checkout, prepaid accounts, memberships and loyalty.

See how we help

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.

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.