Business Payment Systems
Terminals, mobile, online, and POS with next-day funding. When a deposit or terminal fails, you get Michael — not a ticket.
Business Payment Systems
Reviewed by Michael Pacheco — usually within a day
Send your latest merchant statement (PDF or photo). Michael shows whether switching is worth it — in plain English.
Free · No contracts · Keep most existing equipment
Free fee checkup
Request a free checkup Text a statement Or call (575) 779-5505No processor yet? Start with Square →
Had an issue with our POS terminal and Michael had it resolved in minutes over the phone. He actually picks up.
Texas & nearby
Built for real counters and shops — not a call-center script.
Tap a path below — or scroll. Most owners need one primary setup. Many need two on one account.
Ways to take cards
If you mostly use a counter or register
Chip, tap, and wallets at a fixed spot. EMV handled. Many keep hardware they already own — if a new device is smarter, you hear that before you switch.
Setup help + a direct line when a terminal will not wake up on a Friday.
If you take cards on the move
Phone or tablet on the job site, driveway, market, or floor. Tap to Pay on iPhone with no extra dongle when that fits. Same deposits as your counter on one account.
App setup guidance + how to take a payment when Wi‑Fi is spotty.
If you bill online, by phone, or by invoice
Website checkout, keyed phone payments, or a secure pay-by-link customers open on their phone. Recurring billing when you need it — PCI-friendly from day one.
Help choosing checkout vs invoice vs virtual terminal.
Invoicing & virtual terminal — send a pay link, key a card on the phone, or run a virtual terminal when the customer is not in front of you.
Recurring & subscriptions — memberships, retainers, and installment plans on a schedule you control.
If you need tables, inventory, or staff roles
More than taking a card — menus, inventory, tips, reporting, and who can void what. Built for restaurants and busier retail, with clear processing and local support.
A walkthrough of what you need on day one vs what can wait.
Always on your account
On every setup we place
Qualified sales typically deposit the next business day. If a deposit looks short or late, you call Michael and get a real answer the same day — not a ticket queue.
Help reading deposits against batches so “missing money” gets found fast.
When a customer dispute hits
Deadlines are short. We help you respond on time, pull the right evidence, and fight unfair ones — walked through on the phone.
A simple checklist of what to save now so the next dispute is easier.
If you do a mix — or you are brand new
Counter + mobile, or terminal + invoices, on one account is common. Starting from zero? Square through BPS — flat rates, no monthly fee, local help. Already processing? Use the free checkup.
One account around how cash actually flows — not six separate vendors.
Not sure which fits? That’s exactly what the free checkup answers.
You do not need the “right” equipment first — that is what the checkup is for.
Fee pages, volume, and rate — PDF or a clear photo to (575) 779-5505. Brand new? Describe how you take cards (or want to).
True rate, savings if any, early-exit risk with your current provider if it matters, and the setup that fits.
Switch when ready. Most keep existing gear. After go-live, you still have Michael’s cell for deposits, chargebacks, and broken-terminal mornings.
With every setup: a person who picks up · straight answers on cost · no long-term lock-in
Equipment is only half of it. When something breaks at 7am, you reach Michael — not a ticket number.
Call or text (575) 779-5505. Deposits, terminals, chargebacks — same person who set you up.
True rate vs markup in plain English. If your current setup is already fair, he’ll say so.
Two years in and our costs have stayed consistently lower. Upfront from day one — no surprises on the statement, ever.
Short answers — so you can decide without a sales maze.
Send one statement. You’ll know your rate — and what to run — usually within a day.
Starting fresh? Open Square through BPS →
