Credit Card Processing & POS
Accept Every Payment. Keep More of Every Dollar.
Competitive processing rates, modern point-of-sale hardware, and seamless integrations — designed for retail, restaurants, service businesses, and everything in between.
Next-Day
Funding Available
PCI-DSS
Level 1 Compliant
All Cards
Visa, MC, Amex, Discover
24/7
Support & Monitoring
Banking Partnerships
Backed by a Network of Trusted Banking Partners
Our strategic relationships with leading acquiring banks and financial institutions give your business access to competitive rates, broad card acceptance, and the stability of an established banking network — across a broad range of industries and processing profiles.
Esquire Bank
A federally chartered commercial bank specializing in merchant acquiring and business lending.
Avidea
Innovative payment technology solutions with deep expertise in high-volume and specialty merchant verticals.
Merrick Bank
FDIC-insured institution with decades of merchant services experience across retail, e-commerce, and MOTO.
Mission Valley Bank
Community-focused business bank offering personalized merchant processing support for growing businesses.
Plus Additional Acquiring Partners
Including regional banks, ISO partnerships, and specialized acquiring institutions
Multiple
Acquiring Banks
All Major
Card Networks
FDIC
Insured Partners
Matched to the Right Program
We evaluate processing solutions across our network and match your business with a competitive program based on your industry, transaction profile, volume, and operational requirements.
Stability & Compliance
Our partner network includes established banking and processing relationships, with security, compliance, and program features varying by provider and merchant configuration.
Broader Merchant Acceptance
Our partner network allows us to support a broad range of industries and business models, subject to underwriting and processor eligibility — including businesses that traditional processors often decline or surcharge.
The Problem
Your Current Processor Is Costing You More Than You Think
Hidden fees, outdated hardware, and slow funding windows silently chip away at your margins every single day.
Hidden Fees & Surprise Charges
Statement fees, batch fees, PCI fees, non-compliance fees — processors bury costs deep in the fine print.
Slow or Unpredictable Funding
Waiting 2-3 business days for your own revenue creates cash flow gaps that hurt your operations.
Outdated Hardware Limiting Sales
If your terminal can't take tap-to-pay, digital wallets, or mobile payments, you're losing customers at checkout.
Credit Card Processing
Straightforward Rates. No Surprises.
We offer transparent pricing models built around your actual transaction volume — so you always know exactly what you're paying.
Card-Present Processing
In-store swipe, dip, and tap transactions with competitive interchange-plus or flat-rate pricing.
Online & E-Commerce
Secure payment gateways for your website with tokenization and fraud prevention built in.
Mobile & On-the-Go
Accept payments anywhere with mobile readers and virtual terminals for field service businesses.
Recurring Billing
Automated recurring charges and subscription billing for service-based businesses.
Security and compliance features — including PCI-DSS Level 1 encryption, tokenization, and fraud monitoring — vary by processing platform, acquiring partner, and merchant configuration.
Point-of-Sale Systems
Modern POS Hardware for Every Business Type
From full countertop systems for retail and restaurants to compact mobile solutions for pop-ups and field service — we match the right hardware to your exact operation.
Retail & Boutique
Full countertop terminals with inventory management, barcode scanning, and customer display screens.
Restaurant & Food Service
Table management, split checks, tip adjustment, and kitchen display system integrations.
Mobile & Service Businesses
Compact readers that pair with iOS and Android for payments anywhere — job sites, markets, events.
All-in-One Stations
Touchscreen POS stations with built-in receipt printers, cash drawers, and customer-facing displays.
Available POS Features
Features vary by platform and configuration. We'll match your business with the system and capabilities that fit your operation.
- Contactless & NFC payments (Apple Pay, Google Pay)
- EMV chip & PIN security
- Real-time sales reporting & analytics
- Inventory tracking & low-stock alerts
- Employee management & shift tracking
- Customer loyalty program integration
- Cloud-based management dashboard
- Offline mode available on supported systems
- Professional setup & staff training
- Ongoing hardware support from OptiSolutions
Beyond Standard Rates
Alternative Pricing & Cash Discount Programs
Beyond competitive processing rates, we also offer alternative pricing programs designed to help qualified businesses reduce processing costs and improve margins.
Cash Discount Programs
Incentivize customers to pay with cash, checks, or ACH transfers by offering a discount that comes straight off the sale price. You keep the savings from card processing fees. Programs are structured through participating processing partners and must be configured and operated in accordance with applicable card-network rules, processor requirements, and applicable law.
- Reduce credit card processing volume & fees
- Increase cash flow with immediate payment
- Structured to comply with card-network rules (Visa, MC, Amex)
- Simple point-of-sale integration
- Works for retail, e-commerce, & subscription models
Example
A $1,000 sale: Customer pays cash and saves 2% ($20 discount). You avoid $24 in credit card fees. Net benefit: $44 to your bottom line.
Alternative Pricing Models
Move beyond one-size-fits-all pricing. We structure rates around your specific business model — whether that's flat-rate, tiered volume pricing, or custom interchange-plus arrangements.
- Flat-rate pricing for predictable costs
- Tiered volume discounts as you grow
- Interchange-plus for high-volume merchants
- Industry-specific rate optimization
- Blended pricing for multi-channel businesses
Our Approach
We analyze your transaction patterns and recommend a pricing model designed to reduce processing costs while fitting your business — then we lock it in with transparent, honest-to-goodness contracts.
See How Much You Could Save
Whether you choose a cash discount program, alternative pricing model, or a combination of both, our goal is to maximize your profitability. Let's do the math.
Get Your Free Rate Analysis & Savings PlanWhy OptiSolutions
One Partner for Payments & Everything Else
Unlike standalone payment processors, OptiSolutions is your complete business technology partner. Your payments connect with your payroll, IT, phones, and marketing — all managed under one roof.
Local Support You Can Reach
A real team based in East Providence, RI — not an overseas call center. We answer, we respond, we show up.
Fast Onboarding
Many businesses can be up and running within 24–48 hours, depending on underwriting, equipment, integrations, and configuration. We handle hardware setup, software configuration, and staff training.
Transparent Reporting
Full visibility into every transaction, fee, and payout. No surprises on your monthly statement — ever.
Also Available
Looking for Payroll Services?
Powered by our strategic partnership with ExactPay Payroll — dollar for dollar the best.
Start Saving on Every Transaction
Send us your last processing statement and we'll do a free side-by-side rate comparison. Many businesses may be able to reduce processing costs depending on their current rates, transaction mix, volume, and selected program — with no disruption to their current operations.