In-person card payments
Chip, tap, swipe and mobile wallet acceptance on Clover, PAX, Valor, SUNMI and Ingenico devices.
Explore In-person paymentsMerchant services & card processing
Payment processing built around how your business sells
BSV Solution sets up merchant accounts and card acceptance for restaurants, retail and service businesses across the U.S. Our team brings over 13 years of experience in the payments space. We start with your current statement, explain every line item, then recommend the processor, pricing structure and hardware that fit your volume and category. Approval and terms are subject to underwriting.
No application required to get a quote. Subject to underwriting approval.
Free • No obligation
Get a free processing quote
Tell us how you sell today. A payments specialist follows up within one business day — this is a quote request, not an application.
Attaching a recent statement is optional — it lets a specialist review your current costs line by line at no charge, with no obligation to switch. Pricing and equipment options are customized and subject to underwriting approval.
Why businesses choose BSV Solution for processing
Enterprise payment technology with a process built for owner-operated businesses.
Line-by-line statement review
We read your current statement with you and explain every fee, so you know what you are actually paying for before anything changes.
All card types and ACH
Visa, Mastercard, American Express, Discover, mobile wallets and ACH bank transfers through one connected setup.
In person, online and mobile
Counter, curbside, eCommerce, invoicing and phone orders reported together instead of across separate systems.
Security and PCI guidance
EMV, contactless and encrypted entry on supported devices, with PCI documentation help for your business type.
Multiple processors
BSV Solution works with leading processors and specialty banks. Selection depends on underwriting and your business profile.
A named point of contact
Setup, training and dispute support handled by the same team after go-live — not a general support queue.
Every way your customers want to pay
Card-present, mobile, online and recurring payments reported in one place, so your reconciliation does not depend on stitching three systems together.
Mobile & on-the-go
Handheld terminals and mobile readers for delivery, markets, service calls and pop-ups.
Explore Mobile paymentsOnline & eCommerce
Hosted checkout, payment links and online ordering that report alongside your in-store sales.
Explore eCommerce paymentsVirtual terminal
Key in phone and mail orders from any browser with no extra hardware required.
Explore Virtual terminalRecurring billing
Store credentials on file and bill memberships, subscriptions or service plans on a schedule.
Explore Recurring paymentsInvoicing
Send digital invoices with a pay-now link and track what is open, paid and overdue.
Explore InvoicingHow we set up your processing
A documented process instead of a quote over the phone. You see the reasoning behind every recommendation before you sign anything.
- 01
Statement review
Send a recent processing statement. We map every line item so you can see exactly what you are being charged for today.
- 02
Program design
We match your business type, volume and average ticket to a pricing structure and a processor that underwrites your category.
- 03
Underwriting & approval
Your file goes to the processor for review. Approval and terms depend on underwriting, business profile and documentation.
- 04
Setup & support
We configure hardware and software, train your team and stay on as your point of contact after go-live.
Pricing structures we support
We do not publish rates, because pricing depends on your card mix, average ticket, volume and risk profile. What we can do is explain each structure so you can tell which one you are on today.
Interchange plus
Interchange and network costs passed through with a defined markup, itemized on your statement.
Tiered / bundled
Transactions grouped into qualification tiers. Simple to read, less transparent on the underlying cost.
Flat rate
One blended rate across card types. Predictable, and often reviewed as volume grows.
Dual pricing & surcharging
Compliant programs that show a cash and card price, with the signage and disclosures each card brand requires.
Compare the structures side by side
Use this to identify the structure you are on today. Figures are intentionally not shown: your pricing is reviewed individually based on business type, card mix and volume, and is subject to underwriting approval.
| Consideration | Interchange plus | Tiered / bundled | Flat rate | Dual pricing |
|---|---|---|---|---|
| How your cost is presented | Cost plus a disclosed markup | Grouped into qualification tiers | One blended rate | Cash price and card price shown |
| Statement transparency | Itemized per transaction | Summarized by tier | Single line summary | Itemized with program disclosures |
| Best suited to | Steady or growing card volume | Owners who want fewer line items | Lower volume or simple ticket mix | Businesses offsetting card acceptance cost |
| Card mix sensitivity | Reflects your actual mix | Varies by tier assignment | Averaged across brands | Reflects your actual mix |
| Compliance notes | Standard card brand rules | Standard card brand rules | Standard card brand rules | Signage and disclosure rules apply; availability varies by state |
| How BSV Solution quotes it | After statement review | After statement review | After statement review | After statement review and eligibility check |
Program availability varies by state and card brand rules. Subject to underwriting approval. Terms and conditions apply.
Security, compliance and reporting
Card data handling, PCI documentation and dispute response are part of running a merchant account — not an afterthought. We walk your team through what applies to your setup and who to call when something is contested.
- EMV, contactless and encrypted card entry on supported devices
- PCI DSS documentation guidance for your business type
- Chargeback and dispute response workflow with a named contact
- Fraud controls and tokenized card-on-file storage
- Deposit and batch reporting you can reconcile daily
PCI
Guided documentation
Reporting
Batch & deposit detail
Multi-processor
Matched to your profile
All card brands
Plus mobile wallets
EBT and SNAP processing
Grocers, markets, convenience stores and farm stands can accept SNAP food benefits and EBT Cash on the same terminal that runs credit, debit and digital wallets. Items are flagged as eligible in your catalog, so the POS applies the benefit to qualifying groceries and moves the remainder to a second tender without re-ringing the sale.
SNAP acceptance requires FNS authorization issued to your business. Features vary by state agency and processor, and account setup is subject to underwriting approval.
SNAP food benefits
Eligible grocery items tendered against the customer's food benefit balance.
EBT Cash
Where your state issues EBT Cash, accept those tenders and cash-back requests.
Split tender
Benefit balance first, then card or cash for the remaining total.
One settlement
EBT activity reports alongside your card batches for easier reconciliation.
Processing by business type
Card mix, tipping, EBT acceptance and refund patterns differ by industry. Start with the page closest to your business.
Online payments and payment gateways
Most owners comparing payment processing companies for online sales are really comparing two things at once: the gateway that collects the payment on your site, and the processor that moves it through the card networks. Here is the difference, in plain English.
The payment gateway
Software that securely captures a card, wallet or bank payment on your website, invoice or virtual terminal. It encrypts and tokenizes the details, runs fraud checks, and returns an approval or decline to your checkout.
The payment processor
Routes that authorized transaction through the card networks to the customer's issuing bank, then reports back. This is the layer most credit card processing companies are actually selling you.
The acquiring bank
Holds the merchant account, underwrites your business and settles the funds into your account. Your business profile decides which acquirer fits — subject to underwriting approval.
What to compare when you review processing companies
The pricing structure itself — interchange plus, flat rate or tiered — not one advertised number
Whether the gateway supports your cart, booking tool or accounting platform
Which payment types you can take: cards, digital wallets, ACH, card-on-file
How recurring billing, refunds and disputes are handled day to day
Who answers the phone after setup, and whether account reviews happen
What your PCI validation looks like once the gateway is in place
BSV Solution works with leading processors and gateway platforms. Placement and available features depend on your business profile and underwriting review.
Payment processing guides
Plain-English explanations of how card processing, fees, compliance and approvals actually work — written for owners comparing merchant services, not for processors.
7 min read
How credit card processing works
A plain-English walkthrough of authorization, batching, funding and the parties involved every time a customer taps or dips a card at your business.
7 min read
Payment processing fees explained
Interchange, assessments, markup, monthly and incidental fees explained in plain English so you can tell fixed network costs from provider markup.
6 min read
Interchange-plus vs tiered pricing
How interchange-plus, tiered and flat-rate merchant pricing models differ, what each hides or reveals, and which structure suits different business profiles.
6 min read
How to read a merchant statement
A step-by-step method for reading a merchant processing statement: find total volume, total fees, your effective rate and the charges worth questioning.
6 min read
PCI compliance basics
What PCI DSS compliance means for a small business, who has to complete it, how the annual questionnaire works and practical steps to reduce your scope.
6 min read
Chargebacks and disputes
How a card chargeback moves through the dispute cycle, what evidence matters in a representment, and the operational habits that prevent disputes.
6 min read
Surcharge vs cash discount
How surcharging and cash discount programs differ in mechanics, signage and card network rules, and what to confirm before running either at your business.
6 min read
Merchant account underwriting
What underwriters review on a merchant account application, which documents to prepare, and why processing limits and reserves are sometimes applied.
Payment processing questions
What is payment processing?
Payment processing is the chain of steps that moves money from your customer's card to your bank account: authorization at the terminal, clearing through the card networks, and settlement of funds into your business account. Your merchant account, processor and POS software all sit inside that chain.
How do I know if my current processing setup still fits my business?
Compare your statement against how you actually sell today — ticket size, card mix, online versus in-person volume and how much manual work your team does. A statement review shows where your effective cost comes from and which parts of your setup are no longer aligned with your sales mix.
Which processors does BSV Solution work with?
BSV Solution works with leading processors, including Worldpay and First Data/Fiserv, plus specialty banks for higher-risk categories. Processor selection depends on underwriting and your business profile, so we recommend the platform that fits your category rather than a single default.
Do you support businesses in restricted or higher-risk categories?
Yes. Some categories are underwritten by specialty banks with different documentation and reserve requirements. We review the profile first and tell you what the process looks like before anything is submitted. Approval is always subject to underwriting.
Can I keep my current POS hardware?
Often yes, depending on the device, how it was purchased and whether it can be reprogrammed for the recommended processor. We confirm compatibility during the review instead of assuming a replacement.
How long does setup take?
Timelines depend on underwriting, documentation and hardware configuration. We give you a realistic schedule once we have reviewed your file, and we do not promise same-day approvals.
Payment processing costs by city
Card mix, ticket size and how you take payments differ by market, so a merchant statement analysis is always local. Browse the markets we serve or send a statement and we will read it with you.
- Payment processing costs in Los Angeles, CA
- Payment processing costs in San Diego, CA
- Payment processing costs in San Francisco, CA
- Payment processing costs in San Jose, CA
- Payment processing costs in Sacramento, CA
- Payment processing costs in Oakland, CA
- Payment processing costs in Fresno, CA
- Payment processing costs in Phoenix, AZ
- Payment processing costs in Las Vegas, NV
- Payment processing costs in Denver, CO
- Payment processing costs in Houston, TX
- Payment processing costs in Dallas, TX
- Payment processing costs in Austin, TX
- Payment processing costs in San Antonio, TX
- Payment processing costs in Chicago, IL
- Payment processing costs in Atlanta, GA
- Payment processing costs in Miami, FL
- Payment processing costs in Orlando, FL
- Payment processing costs in Tampa, FL
- Payment processing costs in New York, NY
- Payment processing costs in Philadelphia, PA
- Payment processing costs in Boston, MA
- Payment processing costs in Seattle, WA
- Payment processing costs in Portland, OR
- Payment processing costs in Charlotte, NC
- Payment processing costs in Nashville, TN
- Payment processing costs in Detroit, MI
- Payment processing costs in Minneapolis, MN
Don't see your city? Browse payment processing by state or request a free merchant statement analysis for your location. Pricing is reviewed individually and remains subject to underwriting approval.
Free merchant statement analysis
Send a recent statement and we will walk you through your payment processing costs line by line — what each item is, what it relates to and which parts of your setup no longer match how you sell. No obligation.
Subject to underwriting approval. Program availability may vary by state and business type. BSV Solution works with leading processors; processor selection depends on underwriting and business profile.