Payment Processing Solutions for the Modern World

Hundreds of business owners save money, improve efficiency, and shorten the time to deposit with virtually zero risks.

Get an Instant Online Quote to see what we will save you!

Aptus Merchant Services, A Creative Approach to Credit Card Processing

“Hundreds of business owners rely on us to save from 10 to 95% on their credit & debit card processing fees virtually risk-free. Measurable results in 90 days !”

All Payment Processing Partners are BBB certified and carry ratings of at least an A+ or better.  We evaluate or processing partners every 30 days so we can hold the highest standards of excellence to serve you.  Aptus is dedicated to bringing you the best service providers in the industry!

Traditional Wholesale Pricing

Rates starting at 0.15% plus $0.07 per transaction. Pay from 1.95% to 2.45% of total fees out the door!

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Pay-As-You- Go Pricing

Swipe, dip, and tap for 2.69% with zero monthly, annual or PCI Fees!  See why merchants are choosing us over Square.

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Cash Discount Processing Program

Eliminate up to 98% of your merchant fees while rewarding your cash paying customers! Most merchants pay $100 or less per month depending on volume.

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Hybrid Processing Program

Eliminate 40 to 80% of your merchant processing fees while rewarding cash and debit paying customers! Most merchants pay 0.75% total out the door.

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Payment Processing Solutions

Get a credit card machine for your small business, or accept credit cards on the go with mobile payment processing, or streamline your business with a all in one Point of Sale designed to fit your business. Powered by Payanywhere seamless multi-point processing solution enabling online payments, invoicing payments, and auto pay.

Terminal Processing
  • Accept credit cards with a countertop terminal
  • Wholesale or Pay-As-You-Go Pricing
  • Accept chip cards and Apple Pay
  • Wireless and Wifi Options
  • Cash Discount Available
  • Accept & Save Compatible

Free Instant Online Quote >>>

Mobile Processing

  • Accept credit cards on your phone or tablet
  • Wholesale or Pay-As-You-Go Pricing
  • Free credit card reader
  • Bluetooth options available
  • Cash Discount Available
  • Accept & Save Compatible

Free Instant Online Quote >>>

POS Processing

  • Accept credit card through a POS
  • Wholesale or Pay-As-You-Go Pricing
  • Hundreds of Apps
  • Accounting Integration
  • Cash Discount Available
  • Accept & Save Compatible

Free Instant Online Quote >>>

Online Processing

  • Accept credit cards on your computer

  • Free Virtual Terminal Setup
  • Wholesale or Pay-As-You-Go Pricing
  • Process Recurring Payments

  • Cash Discount Available
  • Accept & Save Compatible

Free Instant Online Quote >>>

Accept Credit Cards

Virtually Risk Free

Credit card processing designed to benefit small businesses with the ability to scale.

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easy online enrollment

It is easy to get start with Aptus Merchant Services. Just fill out the Free Instant Quote tool, see your savings, and then enroll in 5 minutes with our easy self enrollment form.
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No Setup Fees

With Aptus Merchant Services there is never a setup fee. We also provide a free EMV credit card machine or a free mobile card reader or both. We also offer free shipping with all equipment orders and free training to show you how to use your new device.
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No Cancellation Fees

With Aptus there is never a cancellation fee. Our “no cancellation fee” policy reinforces our commitment to providing the best ongoing support to you our client. If you ever need to close your account you simply need to call us and we will have your account closed the same day. There is no risk to try us out.

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24 Hr Approvals

Once your application is submitted, you are generally approved within 4 hours depending on the ease to verify your business profile. Sometimes more information is requested from underwriting. In this case, we will reach out to you via phone and email to gather the additional required information.

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next day deposits

Get your money faster with next day funding. Close out by 8 PM PST and get your funds next day by 11 AM.
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industry leading rates

Transparent pricing with interchange plus pricing structure or a true zero fee cash discount program.  No hidden fees ever!

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live or local support

With Aptus Merchant Services you have the option to chat with our live support from the website, call a live customer service agent, or work with your local account manager. In addition, enjoy 24/7/365 tech support.
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Serving You Builds Us

Our success is directly linked to yours.  That is why we put your needs and concerns first. Happy clients, happy lives! In this effort we ask that you help us build our online reputation with a honest review.

The Process

How Does it Work

Aptus Merchant Services makes the process of enrolling, setting up, and accepting payments at your place of business easy and pain free.

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Step 1

Fill out the Instant Online Quote form to get an accurate idea of what you will save with Aptus Merchant Services.
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Step 2

Once you see your savings, decide if you want to enroll online, with a live customer service agent, or with a local account manager in your area.
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Step 3

Once your application is submitted to underwriting, you will be approved within 4 hours.
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Step 4

You receive your equipment with in 24 business hours or your virtual terminal within 7 business hours.
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Step 5

A live customer service agent or your local account manager will help you install the new devices. Then they will train you and your team how to use your new equipment.
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Step 6

Review your monthly statement 30 to 60 days after you install your new device or virtual terminal to verify savings.
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Step 7

Keep open lines of communication with your tech support, customer service, or your local account manager.
Reliable Partner

An all-in-one payments partner

No matter what your unique need is we have a solution for you.  With connections to every major service provider and several key niche relationships, we can facilitate every one of your payment processing needs.

Free Instant Online Quote

Start by seeing how much you will save with your Free Instant Online Quote.  If you feel good about taking the next step, then elect to enroll online immediately after the quote, or schedule a time to work with a live customer service agent or local account manager.  We look forward to working with you.