Professional Services Payments ┃ ProTech Payments

Recover Fees on Retainers and Invoices with dual pricing and cash discount

Save up to 100%on processing fees

Dual Pricing & Cash Discount

Recover Fees on Retainers and Invoices

Card fees on retainers and large invoices can cost real money each month. Dual pricing posts a cash and card price, so clients paying by card cover most of the fee while ACH stays at the lower amount.

We set up invoicing, card and ACH options, signage, and receipts so every billing total stays clear and compliant. Compliant with card brand rules and Texas law, US based support, and no long term contracts. Card processing typically runs 2.3 to 3.5 percent before recovery.

See how much you could save →

Professional

Payments built for professional offices

From law and accounting firms to agencies, consultants, real estate, and insurance, ProTech sets up branded invoicing, card-on-file, recurring retainers, ACH for big invoices, and dual pricing, so you bill clients cleanly and keep more of every fee.

You get paid faster with pay-link invoices, fewer past-due balances, secure card-on-file for retainers, and U.S.-based support. Recover most card fees on professional fees and retainers.

Talk to a payments specialist →

Merchant services and point-of-sale payment processing for your business

One platformevery way to get paid

Office tools

Built for your invoices

Everything a professional office needs to invoice, store cards, and get paid on net terms, with dual pricing built in.

Invoice and pay

Send branded invoices with a secure pay link by email.

Card on file

Store client cards for retainers and net-terms billing.

Recurring billing

Automate retainers and recurring fees on a schedule.

ACH and eCheck

Pull large invoices from bank accounts at a low flat fee.

Virtual terminal

Key client payments by phone or email from any browser.

Recover card fees

Dual pricing recovers most fees on professional services.

Start accepting every payment →

All methods included, with no extra setup and no surprise fees.

Pricing options

Choose the pricing that saves you most

Three ways to price your credit card processing. Most ProTech merchants pick dual pricing to recover their fees.

Flat-rate

Simplest setup

One flat rate per sale, simple to read but usually the most expensive option.

✓One predictable rate
✓Easy to understand
✓Best for low volume

~2.6-2.9%effective rate

Interchange-plus

Most transparent

Wholesale cost plus a fixed markup, the most transparent rate for higher volume.

✓Full fee transparency
✓Lower cost at scale
✓Best for mid-high volume

~2.1-2.4%effective rate

★ Most popular 03

Dual pricing

Recover your fees

A cash price and a card price at checkout. Card customers cover the fee, so you recover most of your processing fees.

✓Recover most card fees
✓Cash & card price at checkout
✓No long-term contract

≈ $0net processing cost

See which fits my business →

Not sure? We’ll recommend the best rate after a free statement review.

Why ProTech

The smarter client billing

As a U.S.-based processor serving professional firms, we pair invoicing and card-on-file with dual pricing so retainers and fees cost less to collect, with ACH for big invoices and support that answers when you call.

✓ PCI DSS Level 1 secure processing with 256-bit encryption
✓ Trusted by thousands of U.S. small businesses
✓ Get approved in days, not weeks
✓ Low transparent pricing with no hidden fees or long-term contracts

Get started today →

Quick Setup

Get approved fast and start accepting credit card payments online.

Flexible APIs

Connect your store with flexible integrations and developer-friendly payment APIs.

Security

Built-in fraud prevention and chargeback management tools, ready whenever you need them.

Support

Real U.S.-based payment support, available 24/7 by phone and email.

What our merchants say

Rated 5.0 ★ from Google reviews by US businesses that trust ProTech with their payments.

★★★★★

“ProTech Payments delivers top-notch service every time! Eddie truly goes above and beyond - his customer service is unmatched. He's knowledgeable, responsive, and makes the entire process smooth and stress-free.”

Cassie Ball · Google review

★★★★★

“Eddie has been an amazing resource as we are learning our new credit card POS system! We are going on a year in our partnership and couldn't be more pleased with the customer service he offers. Highly recommend!”

Tim Smith · Google review

★★★★★

“I've been using ProTech Payments for years now for online transactions and tech deposits for my business, and honestly it's been one of the best payment systems I've worked with.”

Jarex LI · Google review

★★★★★

“Customer service was excellent and will be using them again! Eddy was everything and then some!”

Christian Zenon · Google review

★★★★★

“Great person to work with and always there when you need something or have any issue. Definitely recommend Eddy for any business plan.”

Maynor Rivas · Google review

★★★★★

“Excellent customer service. Would recommend to anybody!”

abed balbeisi · Google review

★ Read all 7 reviews on Google →

How it works

Set up in three simple steps

From your first call to going live, ProTech makes switching payment processors simple.

Send your statement

We review your current credit card processing rates for free, with no obligation.

Set up billing

We set up invoicing, card-on-file, recurring retainers, and dual pricing.

Start saving

Go live with dual pricing and recover most of your credit card processing fees.

ProTech Payments specialists helping a merchant go live

✓Live in 1-3 daysReal US-based specialists

Start My Free Setup →

No long-term contracts · No obligation

FAQ

Frequently asked questions

Everything US merchants ask before switching their credit card processing to ProTech.

Still have questions?

Talk to a real ProTech specialist, no call centers, no scripts.

Talk to a specialist →

or call (888) 255-0425

Can I email invoices and get paid by card?

Yes. ProTech gives you a virtual terminal and invoicing so a law firm, CPA, or agency emails a branded invoice with a pay link, and the client pays by card or ACH from their inbox. The payment posts to your account and the invoice marks paid automatically, so your bookkeeper is not matching deposits by hand. You can set due dates and send reminders. For firms billing in arrears, this shortens the gap between sending the bill and seeing the cash.

Can I collect and hold a retainer?

Yes. You can charge a retainer up front by card or ACH, and for law firms the funds can be directed to your trust or IOLTA account per your state bar rules. Processing fees should not be drawn from the trust principal, so you configure fee handling on the operating account side. The client pays the retainer through a pay link or virtual terminal, and you bill against it as work is done. We set the routing correctly during onboarding so trust accounting stays clean.

Should I take card or ACH for large fees?

It depends on the invoice. ACH costs far less than card on a large fee, so for a 12,000 dollar engagement bank transfer saves real money, and many B2B clients prefer it. Card is better for speed and for clients who want points or to manage cash flow. ProTech supports both on one account, so you can offer card for smaller or rush payments and steer large invoices to ACH. Dual pricing can recover most of the card fee when a client insists on paying that way.

Can I save a client's card for recurring billing?

Yes. With client consent you can store a card or bank account on file and run recurring charges for retainers, monthly agency fees, or subscription services. The system charges the agreed amount on schedule and emails a receipt, so you are not re-invoicing every month. Stored credentials are tokenized and PCI compliant. For agencies on monthly retainers and accountants with annual plans, this removes the chase and keeps revenue predictable without manual re-entry.

Can I offer net terms and still get paid on time?

Yes. You can issue net-15 or net-30 invoices with a pay link, set automatic reminders as the due date nears, and offer ACH or card so the client has a fast way to pay. Pairing terms with a saved payment method or a card-on-file authorization lets you charge on the due date if you choose. This keeps professional net terms intact while cutting the receivables that drift to 60 or 90 days. Everything reports in one dashboard for your accountant.

Is there a contract and how fast is setup?

There is no long-term contract and no early termination fee, so your firm is not locked in. Most professional service firms are live in 1 to 3 business days with invoicing, virtual terminal, ACH, and card on file configured. There is no hidden hardware lease since much of this runs without a countertop terminal. When you have a billing question, US-based support answers at (888) 255-0425. Our 5.0 Google rating reflects firms that switched and stayed.

Still Overpaying On Card Fees?

Professional Services Payments

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Payments built for professional offices