POS & Terminal Equipment Financing ┃ ProTech Payments

Let Fee Recovery Buy Hardware with dual pricing and cash discount

Save up to 100%on processing fees

Dual Pricing & Cash Discount

Let Fee Recovery Buy Hardware

New terminals and POS hardware cost less when dual pricing offsets your fees. ProTech offers free equipment placement paid for by the processing fees you recover, so the card price funds the gear instead of your bottom line.

We program each device for dual pricing or cash discount, supply signage and receipts, and keep the setup compliant with card brand rules and Texas law. Recovering 2.3 to 3.5 percent per sale covers the hardware, with US-based support and no long-term contract.

See how much you could save →

Card Equipment

Card terminals and POS without the lease trap

Need a terminal or POS? You have four honest options: a free placement while you process with ProTech, lease to own, buy it outright, or reprogram the equipment you already own. We match the hardware to your business and set it up, with no surprise lease.

This finances payment hardware, terminals and POS, not a cash loan. There is no third-party lessor, no non-cancelable 48-month lease, and no liquidated damages, just clear options and U.S.-based support.

Talk to a payments specialist →

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

One platformevery way to get paid

Your options

Get equipment your way

Place a free terminal, lease to own, buy outright, or reprogram the gear you already have, all with no 48-month lease trap.

Free placement

Get a terminal at no upfront cost while you process with ProTech.

Lease to own

Low monthly payments with a clear path to owning the hardware.

Buy outright

Own your terminal or POS up front and keep it if you ever switch.

Reprogram

Reuse many existing terminals for a small reprogram fee.

Clover, PAX, Dejavoo

Trusted terminal and POS brands matched to your business.

No 48-month trap

No third-party lessor, no liquidated damages, month to month.

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 card equipment

As a U.S.-based processor trusted by thousands of merchants, we place card equipment paid for by dual pricing, so you skip both lease payments and fee drag, with no 48-month trap 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.

Get equipment

We place, program, and ship your terminal or POS, or reprogram the one you own.

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

Should I buy, lease, or get free equipment placement?

For most merchants, free placement or buying outright beats leasing. ProTech can place compatible equipment with your account or reprogram gear you already own, so you avoid a lease entirely. Buying a terminal outright is usually a few hundred dollars, a cost you recover quickly. Leasing spreads small hardware across years of payments that add up to far more than the device is worth. We keep equipment separate from processing so your hardware choice never locks in your rate.

Why is a 48 month equipment lease a bad deal?

A 48 month lease turns a terminal worth a few hundred dollars into thousands in payments, and these leases are typically non cancelable, so you owe the full term even if you stop processing or close. That is the trap. ProTech avoids it entirely by placing or reprogramming equipment on month to month terms with no multi year lock. Before signing any lease elsewhere, add up the monthly payment times 48 and compare it to simply buying the same unit.

Can I reprogram my existing equipment instead of buying new?

Often yes. Many terminals and POS systems can be reprogrammed to ProTech processing without new hardware, which saves money and avoids retraining staff. Whether yours qualifies depends on the make, model, and whether your current provider locked it. We check that before recommending anything, and if it can be reprogrammed we do it during the 1 to 3 day setup. If it is locked to another processor, we place compatible equipment rather than pushing you into a lease.

Who owns the payment equipment, me or the processor?

It depends on the arrangement. If you buy a terminal, you own it. With ProTech free placement, the equipment is provided for use with your account and stays usable as long as you process, with no lease debt attached. With a traditional lease, the leasing company owns the hardware and you are only renting it across the full term. We are clear about which applies so you know exactly what you are paying for and what you keep.

What is the difference between equipment financing and an MCA?

Equipment financing or a lease pays for hardware like terminals and POS systems, while a merchant cash advance, or MCA, is a lump sum of working capital repaid by taking a fixed percentage of your daily card sales. They solve different problems and an MCA can carry a high effective cost. ProTech focuses on getting you the right equipment affordably, not bundling expensive advances. If you only need a terminal, financing or simply buying it is the cheaper path.

Can I leave if I do not want the equipment anymore?

With ProTech, yes, because we run month to month and keep hardware off long leases. If we placed equipment, you return or stop using it without a multi year payoff hanging over you. That is the opposite of a non cancelable 48 month lease, where leaving still leaves you owing the balance. We separate equipment from processing on purpose, so your decision to stay is based on the service, not a contract you cannot escape.

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Equipment Financing Done Honestly

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Card terminals and POS without the lease trap