Empowering Small Businesses with Modern Payment Solutions

ACS Payments provides secure, compliant, and cost-effective payment technology, consulting, and onboarding support tailored for small businesses.

Sell $100on credit card
Receive $100in your account

with a compliant dual pricing setup

Secure processingPCI-DSS alignedTransparent pricing
Why you are here

You Were Referred for a Reason

Someone who knows your business sent you this page. They already work with us, and they thought a fifteen minute conversation about your payment costs was worth your time. Below is what we do and what happens when you book a call.

What we do

Comprehensive Payment Solutions

Everything a small business needs to take payments, keep costs in check, and stay compliant, handled by one team.

Payment Processing

In-store, online, and mobile payments on a modern, reliable processing stack.

Cost Optimization

We review your statements and pricing structure to find fees you do not need to pay.

Compliance Support

Guidance on PCI requirements so compliance fees and penalties stay off your statement.

Modern Payment Technology

Real-time processing, smart analytics, and hardware that fits how you sell.

Consulting

Plain-language advice on rates, contracts, and setup from people who read statements every day.

Onboarding Support

We handle the paperwork and configuration so starting or switching stays simple.

The process

How It Works

One short call starts it. You keep the numbers either way.

1

Book a 15-minute call

Pick a time that suits you. We ask a few questions about how you take payments today.

2

We review your statement

Send your latest processing statement and a note on how you take payments at least 48 hours before the call. That way the fifteen minutes gets spent reviewing your numbers together.

3

You decide with clear numbers

If we can save you money, you see how much. If your setup is already clean, we say so and you keep it.

The details

What the Review Covers

A processing statement hides more than it shows. We check the items that most often cost businesses money.

Effective rate vs what you signed

The rate you actually pay across all fees, compared with the rate you were quoted.

PCI and non-compliance fees

Whether you are paying monthly penalties that a short compliance step would remove.

Batch and settlement fees

Small daily charges that add up quietly across a year of processing.

Interchange downgrades

Keyed and card-not-present transactions that settle at higher cost categories than they should.

Chargeback exposure

How disputes are handled today and what each one costs you.

Rate-increase notices

Fine print in past statements that raised your pricing without a conversation.

Our promises

Transparent, Compliant Cost Solutions.

Honest, straightforward pricing that follows regulatory guidelines.

No hidden feesNo setup feesNo monthly minimumsCancel anytimeTransparent pricing

Compliance and Security

ACS Payments is PCI-DSS aligned and works within a regulated partner network. We do not underwrite, hold, or transmit funds. Processing and settlement are handled by regulated acquiring partners, and your data is handled securely at every step.

See What Your Statement Says

The review is free, and the numbers are yours to keep.

Savings Estimate

See How Much You Could Save

Enter your current processing details to see potential savings with ACS Payments' processing partners.

$50,000
$10,000$15M
3.0%
1.5%4.5%
Dual Pricing Program

Save up to 90% on processing fees

Your Potential Savings

Current Monthly Cost$0
With Our Processing Partners$0
Monthly Savings
$0
Annual Savings
$0
That is 27% less than you pay now.

This calculator provides an estimate of potential savings based on pricing models offered by our processor partners. Actual rates and savings are determined by the acquiring bank and registered processor during underwriting. ACS Payments does not set rates and does not process or settle funds.

The calculator shows an estimate. The free statement review gives you exact numbers from your own statements.

Get Your Exact Numbers
Integrations

Works With Your Stack

Connect the tools you already use. Our processing partners work with most major e-commerce and payment platforms, with more than 5,000 integrations available.

ClickFunnelsGo High LevelSamCartQuickBooks OnlineThriveCartNMIAuthorize.netFluidpayInfusionsoftKajabiShopifyWooCommerceOntraport

If you do not see your software here, ask us on the call.

Testimonials

What Clients Say

Every quote below appears exactly as the client wrote it, on LinkedIn and on Google.

I have had the pleasure of partnering with Athan for our financial processing, and it has been a fantastic experience. Athan is extremely responsive, ensuring that any questions or concerns are addressed promptly. His dedication to his customers is evident in every interaction, and he goes above and beyond to provide exceptional service. If you are looking for someone who truly cares about delivering top-notch results, Athan is the professional you can trust.
Karen Slusher
Chief Experience Officer | Author & Speaker | Weaving Customer & Employee Relationships into Growth, Loyalty & Service-Centered Leadership
Recommendation on LinkedIn · October 17, 2024 · Karen was Athan's clientvia LinkedIn
★★★★★5.07 Google reviews · ACS Payments Consulting
★★★★★

Working with Athan and using the ACS Payment consulting platform it’s been an
It was an incredible experience. I lowered my fee significantly from Stripe, and I always have access to Athan if I need support. I couldn't recommend him more.

Boris M.via Google
★★★★★

Athan is quite personable, and you can really tell that he genuinely cares about the businesses he works with. He is detailed and able to answer any questions about his services, as well as related financial/economic information. He has helped me save on credit card processing fees and it has helped tremendously, especially with all the economic craziness the pandemic has brought to my industry (massage therapy) and so many others. He has a great sense of humor too!

Savanna S.via Google
★★★★★

Athan and ACS has done one of the most important things you can do for small business. They’ve taken an industry that is monopolized for the most part, and provided better service, better results, and have saved our company nearly 50% month to month on credit card processing fees. We work extremely hard to earn our dollars from our clients but because major credit card companies make it easier to pay, we are the ones that get charged along with our customers. To me, that’s not right, and Athan and his team are providing a better solution in an industry that doesn’t do much to help the small business owner or the end customer.

Dillon G.via Google
★★★★★

Athan is so good at what he does! He always goes above and beyond for his clients and makes sure they are getting the best service and price possible. I used to use Square for my small business but ACS has Square’s rates beat and the customer service is stellar. I highly recommended giving Athan a shot; you won’t be disappointed ⭐️

Katie W.via Google
★★★★★

When it comes to payment processing the ACS Payments team is the best at what they do. They have a great team and the founder, Athan, is extremely knowlegable, accessible, and always a pleasure to talk to.

Brenton T.via Google
★★★★★

ACS is an absolutely great company. I highly recommend Athan and ACS Payments Consulting!!

Chris H.via Google
★★★★★

Great service. They do it all to make businesses happy with their processing

JVC V.via Google
Common questions

Before You Book

Do I have to switch processors to get the review?

No. The review stands on its own. Some businesses switch after seeing the numbers, others stay right where they are.

Will switching disrupt my payments or my customers?

In most cases, no. Transitions usually run in parallel with your existing setup until the new one is verified, and we plan the timing around your billing cycle. Your customers see nothing different, except in some cases a cleaner descriptor on their statements. If we recommend a change, the transition plan comes with it.

How long does it take?

The call takes about 15 minutes. If your statement arrives at least 48 hours ahead, we spend that time reviewing your numbers together. If it arrives later, the call still happens. We use it to scope your situation, and the written breakdown follows on a short follow-up within a few days.

What do you need from me?

One recent processing statement, plus a note on how you take payments: card present, invoicing, online checkout, or keyed in. You can send both after booking. If they reach us at least 48 hours before the call, we come in with your numbers already reviewed.

Is it safe to share my processing statement?

Yes. Statements are used only to produce your breakdown. They are handled by our analysis team under confidentiality and never shared beyond the people doing the work. You can redact account numbers before sending if you prefer.

What does it cost?

Nothing. The review is free and there is no obligation attached to it.

What if my current setup is good?

We tell you, and you keep it. A clean setup makes for a short and pleasant conversation.

Who actually handles the processing?

ACS Payments is a technology and consulting company. Processing and settlement are handled by the licensed acquiring banks and registered processors we work with. ACS does not underwrite, hold, or transmit funds.

Ready to Transform Your Payments?

Book a call today. We respond within 24 hours. No commitment required.

Referred by

Angel Escamilla

ACS PAYMENTS PARTNER

Book a Call

Book Your Fifteen Minute Call

Pick a time that works for you. We review your statements and walk you through your numbers in plain language. No commitment required.

The booking calendar loads here on each partner page.

Free Guide

Not ready for a call yet

Take the free guide instead. It walks through five ways your payment processing may be holding capital you could be using.

The Hidden Capital in Your Merchant Account

We send the PDF by email. No spam, and you can unsubscribe at any time.

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