Credit card processing software,
set up right.
“Processing software” is the layer where a payment actually runs — the virtual terminal you key a card into, the gateway behind your website, the invoicing tool that emails a pay link, the POS on the counter. The hardware and the rate matter, but the software is where the work happens. We set up the right one for how you get paid, on a properly negotiated account.
Great software on a bad account still leaks money. We set the software up and bid the account underneath it in one motion.
Which software fits which business
It comes down to where you take the card. Most businesses run two of these at once, and they can share one negotiated account.
| Software | What it is | Best for | More |
|---|---|---|---|
| Virtual terminal | Key a card in from any browser — phone and mail orders, cards on file. | Offices that take payment by phone. | See it → |
| Payment gateway | Runs the checkout on your website or app and passes the card securely. | E-commerce and online sales. | See it → |
| Invoicing | Emails or texts an invoice with a pay link, plus autopay and recurring billing. | Anyone who bills after the work. | See it → |
| POS software | Rings sales up at the counter, ties to inventory and reporting. | Retail, restaurants, service counters. | See it → |
The software runs the sale. Your merchant account sets the rate. A great tool can still sit quietly on a bad rate — so we bid the processing behind whatever software you use.
See how we read your statement →What to look for — and what to avoid
| Look for | Avoid |
|---|---|
| Transparent pricing on the account underneath. | Software locked to one processor's flat rate. |
| Security that keeps card data out of your systems (tokenization, hosted fields). | Tools that store raw card data on your machines. |
| The integrations you actually use — QuickBooks, your site, your POS. | Long contracts with early-termination fees. |
| Clear reporting you can read. | “Free” tools quietly riding a marked-up rate. |
Fair questions
What is credit card processing software?
It is the application that captures a card payment and sends it for authorization: a virtual terminal for keyed and phone orders, a gateway for a website or app, invoicing software that sends a pay link, or the POS software running your register. It sits on top of a merchant account — the software runs the sale; the account and its rate determine what the sale costs.
Do I need special software, or does my POS already do it?
Most modern POS systems include processing software, and many can connect to a negotiated account rather than a locked-in flat rate. Where a POS does not fit — phone orders, a website, field work, recurring invoices — we add the right tool alongside it. We check what you already run before adding anything.
What software do you set up?
For card-not-present and invoicing we use Payments Hub, SwipeSimple and ProCharge; for e-commerce we set up the gateway your site or platform supports; for the counter we spec the POS software that fits your business. The right pick depends on how you take payments and what you need to sync — see our virtual terminal and POS pages.
Does it sync with QuickBooks?
Yes, for the tools that support it. ProCharge and several POS systems post paid transactions to QuickBooks Online on their own, so keyed and counter sales reconcile without double entry. We set the sync up as part of onboarding.
Is the software PCI compliant?
The platforms we set up are built to the card-industry security standard, and we configure them to keep card data out of your systems (tokenization, hosted fields). We also walk you through your own PCI questionnaire so the non-compliance fee comes off your statement — see PCI compliance.
Does the software decide my rate?
No. The software runs the transaction; your merchant account and its pricing decide the cost. That is the piece most owners never negotiate. We bid the processing behind whatever software you use, so a good tool is not quietly sitting on a bad rate — see how we read your statement.
Right software, negotiated account.
Tell us how you get paid and we'll spec the tool and bid the rate under it — free.