POS systems, credit card processing, cash discount programs, high-risk specialty processing, ATM programs, and working capital — built around honest pricing, same-day funding, and a real human at the end of every call.
Our compliant cash discount program legally passes credit card processing costs to your customers — saving most merchants 3–4% on every credit card sale. Set up in days. Transparent at checkout. Legal in all 50 states.
Whether you're a single-location restaurant or a multi-state operator, our payments stack scales with you — designed to work individually or as a complete system.
Clover, Square, SpotOn, SkyTab, Aloha, Micros, Aldelo, and more — installed, supported, and serviced locally by dedicated reps.
Browse POS systemsInterchange-plus or compliant cash discount / dual pricing. Honest pricing, fully disclosed. No bait rates, no long contracts.
Compare pricing modelsBorrow against your future processing. No personal guarantees, no banker meetings.
Apply for fundingBuy an ATM through us, load it yourself, and keep every dollar of surcharge. No network fees, no statement fees. Or pick a service tier if you want us to handle cash, service, or placement.
Explore ATM programsBilling infrastructure that doesn't drop charges. Card updater built in.
Set up billingSpecialized processing for businesses other banks turn down. Discreet underwriting, dedicated relationships.
Tell us about your businessBranded gift cards and a loyalty engine that integrates with your POS.
Get startedRestaurants, retailers, and service businesses across all 50 states — running on Payment Gurus.
Payment Gurus was founded in 2019 by Sean and Patrick — after over a decade building a previous merchant services company together. We've seen how the industry treats most merchants. We started over to build something more honest.
Read the founder storyInterchange-plus disclosed in writing. The fees you see are the fees you pay — no surprises after 90 days.
See a sample quotededicated reps. On-site install. Same-day service. Terminal down on a Friday night? We don't wait until Monday.
Talk to a repSame- or next-day funding to your bank account. Cash flow that moves at the speed of your business.
Switch processorsSend us your most recent processing statement. We'll show you exactly what you'd save — usually within one business day.
Submit a ticket, sign in to your processing portal, or call us during business hours — we respond within one business day.