Auto · Tire shop
From $410/mo to $185/mo
Same ~$45k volume. Junk fees stripped, interchange-plus pricing, next-day funding for payroll week.
Saved ~$225/mo
Business Payment Systems
Text your statement. See your true card rate today.
Michael reads it himself — junk fees, markup, and all — then tells you honestly if switching is worth it. Usually within a day. No contracts.
Opens a text to (575) 779-5505 · reply with a statement photo
Official Square Reseller
PCI-DSS compliant
No long-term contracts
Next-day funding
10,000+ merchants served
Free fee checkup
Text your number. Michael texts back.
No six-field form. No waiting on an embed. Share your mobile — he asks for a statement photo, then shows your true rate in plain English.
Tap to text (575) 779-5505- Reviewed by Michael — not a ticket queue
- Usually within a day
- No contracts · If we can’t beat your rate, we’ll say so
Proof
Same volume. Lower fees.
Real Texas-area merchants. Real statements. Mini case studies below — then the numbers. Results vary, which is why the checkup is free.
- Restaurants
- Auto shops
- Boutique retail
- Clinics
- Building supply
- Field trades
| Merchant | Before | After BPS | Savings |
|---|---|---|---|
| Tire shop | $410/mo | $185/mo | ~$225/mo |
| Restaurant group | $18k/mo | $12k/mo | ~$6,000/mo |
| Boutique retail | $920/mo | $610/mo | ~$310/mo |
| Building supply | $3.4k/mo | $2.1k/mo | ~$1,300/mo |
| Clinic front desk | $1.55k/mo | $980/mo | ~$570/mo |
| Field trades crew | $1.2k/mo | $740/mo | ~$460/mo |
Food · Restaurant group
Tips, tabs, and a cleaner statement
Multi-location card mix cleaned up — true rate in plain English, POS that still fits the floor.
Saved ~$6,000/mo
Materials · Building supply
High volume, clearer pass-throughs
PCI clutter and mystery “tech” fees called out. Owner finally knew what was interchange vs markup.
Saved ~$1,300/mo
Had an issue with our POS terminal and Michael had it resolved in minutes over the phone. He actually picks up.
Michael got us set up with next-day funding — a huge relief. Smooth transition, immediate difference.
Two years in and our costs have stayed consistently lower. Upfront from day one — no surprises on the statement, ever.
★★★★★ Read all 77 Google reviews →
Merchant names withheld on fee figures. Results vary by volume and card mix — your statement is the only proof that matters.
What we do
One place for payments, from checkout to deposit.
Whatever you sell and however you take cards, the approach is the same: clear pricing, working equipment, and a person who picks up.
-
Start with a checkup →
Restaurants
POS, tips, and tabs handled cleanly — with rates that make sense for food service card mixes.
-
Start with a checkup →
Retail & storefronts
Countertop terminals and Square hardware set up right, with next-day funding you can plan around.
-
Start with a checkup →
Online & high-risk
E-commerce gateways and harder-to-place accounts, matched with processors who actually want them.
-
Start with a checkup →
Statement checkups
The free fee checkup: one statement, read line by line, your true effective rate in plain English.
Industry · Restaurants
Card processing built for food service.
Tips, tabs, split checks, and rush hours — restaurant card mixes are their own animal. Michael sets up processing that fits how your floor actually runs.
- Free fee checkup →
Full-service dining
Table-side tips, server management, and end-of-night batching handled cleanly — no surprises when you reconcile.
- Free fee checkup →
Quick-service & cafes
Fast counter checkout, kiosk and Square hardware options, and rates tuned for high-volume small tickets.
- Free fee checkup →
Bars & nightlife
Open tabs, pre-auths, and late-night batch times that match your hours — with next-day funding on qualified sales.
Industry · Retail
Storefront payments that just work.
From countertop terminals to Square hardware, retail setups should be boring — in the best way. Clear pricing, working equipment, deposits you can plan around.
- Free fee checkup →
Storefront & POS
Countertop terminals and full POS systems installed and configured right, with a direct line when anything acts up.
- Free fee checkup →
Boutiques & specialty
Lower-volume shops get the same clear interchange-plus treatment — no junk fees hiding in a small statement.
- Free fee checkup →
Mobile & pop-up
Card readers and mobile setups for markets, fairs, and on-site jobs — take cards anywhere your business goes.
Industry · Online & High-Risk
Placed with processors who actually want you.
E-commerce, subscriptions, and harder-to-place accounts get matched to the right processor the first time — not bounced around after a surprise shutdown.
View online & high-risk page →
- Free fee checkup →
E-commerce
Payment gateways wired into your store with clear per-transaction pricing and fraud tools that fit your volume.
- Free fee checkup →
Subscriptions
Recurring billing set up to minimize declines and involuntary churn, with retry logic and card-updater support.
- Free fee checkup →
High-risk accounts
Industries other processors avoid, placed honestly — real underwriting up front so the account stays open.
Try it
See your effective rate in 10 seconds.
Enter monthly card volume and what you paid in fees. Instant math — then send a statement for Michael’s line-by-line read.
Your effective rate
0.91%
That’s the share of every sale going to processing. Send a statement and Michael will read it line by line — junk fees, PCI clutter, and markup included.
Free fee checkupAbout · Team
You work with Michael — not a call center.
Business Payment Systems has served 10,000+ merchants nationwide. Michael Pacheco brings that network to Texas shops — with a cell phone that actually rings.
★★★★★ 5.0 Google · 77 local reviews
5.0Google rating
77Local reviews
10k+Merchants served
Named support
Call or text Michael directly. Deposits, chargebacks, terminals — solved in minutes, not tickets.
No lock-in. No mystery fees.
Next-day funding, clear statements, no long-term contracts. We earn the account every month.
Straight answers on cost
If your current rate is already fair, he’ll say so. The checkup is free either way.
Before you switch
What usually stops merchants — answered.
Downtime, terminals, ETFs, funding, PCI. Straight answers before you send a statement.
Will my terminals keep working?
Most existing countertop and mobile terminals can move with you. If something needs replacing, Michael tells you before you switch — not after.
How long is downtime during changeover?
For most shops, changeover is planned so you keep taking cards the same day. We schedule around your rush, not ours.
What if I have an early-termination fee?
Bring the contract to the checkup. Michael will help you weigh any ETF against real monthly savings so you decide with clear numbers.
When do deposits land?
Qualified sales typically fund the next business day. If a deposit looks short or late, you call Michael and get a real answer the same day.
Who handles PCI compliance?
We walk you through PCI for your setup and keep the path simple — no mystery “compliance” junk fees dressed up as protection.
What does the free fee checkup cost?
Nothing. Text or send one statement. Michael shows your true rate in plain English — usually within a day — with no obligation to switch.
Resources
Everything you need before you decide.
Straight answers, real numbers, and a checkup that costs nothing — start wherever makes sense for you.
-
See the steps →
How the checkup works
Share your number, text a statement photo, get your true rate in plain English — usually within a day.
-
Read the FAQ →
Common questions
Terminals, downtime, early-termination fees, deposits, and PCI — the answers merchants ask for most.
-
See the proof →
Real results
Before-and-after fee numbers from real Texas-area merchants, plus verified 5.0-star Google reviews.