# ProTech Payments - Full Reference

> ProTech Payments is a Katy, TX based merchant services and credit card processing provider serving the Greater Houston metro and businesses nationwide. The company helps merchants accept card payments while recovering most processing fees through compliant dual pricing and cash discount programs, backed by US-based dedicated support and no long-term contracts. This document gives the full detail of what ProTech offers, where, and for whom.

## Company profile

- Legal name: ProTech Payments
- Office: 25140 Kingsland Blvd STE 180, Katy, TX 77494, United States
- Phone: +1 (888) 255-0425
- Email: info@protechpayments.com
- Hours: Monday to Friday 9:00am-5:00pm Central, Saturday 9:00am-3:30pm Central, Sunday closed
- Founded: 2018
- Markets: local Katy and Greater Houston metro, plus merchants across the United States
- Backend processor: First Data / Fiserv
- What sets ProTech apart: compliant dual pricing fee recovery, transparent pricing with no hidden junk fees, US-based dedicated support staffed by real people (no offshore call centers), fast setup, and month-to-month agreements with no long-term contracts.

## Trust, memberships, and compliance

- Member of the Katy Area Chamber of Commerce. Listing: https://business.katychamber.com/list/RedirectTo/34262669. Category: Business and Professional Services. Member benefits advertised: a free smart terminal and a free payment processing rate analysis for members.
- 5.0 Google rating from US businesses.
- PCI DSS Level 1 certified service provider. ProTech helps merchants reach their own PCI compliance (Level 1 to 4 by volume) with Level 1 encryption, tokenization, and a guided annual Self-Assessment Questionnaire. For medical and dental clients, ProTech signs Business Associate Agreements and supports HIPAA plus PCI DSS workflows.

## Services (detailed)

- Merchant Services - https://protechpayments.com/merchant-services/ - One partner for card processing, terminals, and payouts in Katy, TX, with dual pricing fee recovery, US-based support, and no long-term contracts. Standard processing runs about 2.3 to 3.5 percent; dual pricing recovers the bulk of it.
- Dual Pricing - https://protechpayments.com/dual-pricing/ - A compliant program that posts a cash price and a card price so card-paying customers cover most of the processing fee. Configured to card-brand rules and Texas disclosure law, with signage and receipts.
- Point of Sale Systems - https://protechpayments.com/point-of-sale/ - POS hardware, software, inventory, staff management, and integrated payments with dual pricing fee recovery and no proprietary lock-in.
- Online Payments - https://protechpayments.com/online-payments/ - Accept cards on any ecommerce platform through a secure gateway, with dual pricing to lower the higher card-not-present rate, payment links, and recurring billing.
- In-Store Payments - https://protechpayments.com/in-store-payments/ - Fast countertop and wireless terminals for tap, chip, swipe, and wallets, with dual pricing fee recovery and same-day US-based support.
- Mobile Payments - https://protechpayments.com/mobile-payments/ - Accept cards on a phone or a pocket reader anywhere, with dual pricing and fast deposits, ideal for field and on-the-go sales.
- Virtual Terminal - https://protechpayments.com/virtual-terminal/ - Key phone, mail, and email orders from any browser, with a secure card-on-file vault, AVS and CVV checks, recurring billing, and e-invoicing.
- Payment Gateway - https://protechpayments.com/payment-gateway/ - NMI and Authorize.net gateways connected to your site, cart, virtual terminal, invoices, and app, with a tokenized card vault, hosted checkout, developer APIs and SDKs, recurring billing, and fraud filters.
- Equipment Financing - https://protechpayments.com/equipment-financing/ - Four honest hardware options: free terminal placement while you process with ProTech, lease to own, buy outright, or reprogram equipment you already own. No third-party lessor and no non-cancelable 48-month lease.

## Point of Sale systems (detailed)

ProTech places, configures, trains, and supports each POS system below on one accountable account, with dual pricing fee recovery, US-based support, and no proprietary lock-in.

- Clover POS Systems - https://protechpayments.com/point-of-sale/clover/ - Clover hardware (Flex, Mini, Compact, Station Solo and Duo), software, the Clover App Market, and integrated payments for retail counters, restaurants, and service businesses. Real-time inventory, sales reporting, and staff logins. Many existing Clover devices can be reprogrammed to ProTech.
- OrderCounter Restaurant POS - https://protechpayments.com/point-of-sale/ordercounter/ - Full-service and quick-service restaurant POS from front counter to kitchen display, with menu and modifier control, kitchen tickets, server logins, and dine-in plus online ordering on one account.
- Korona POS Systems - https://protechpayments.com/point-of-sale/korona-pos/ - Retail, convenience and liquor, and ticketed-venue POS with item-level inventory, vendor and purchase orders, and multi-store reporting.
- TouchBistro Restaurant POS - https://protechpayments.com/point-of-sale/touchbistro/ - iPad restaurant POS with tableside ordering, floor and table management, menu control, and online ordering.
- Tabit Restaurant POS - https://protechpayments.com/point-of-sale/tabit/ - Mobile, handheld POS for full-service and fine dining, with tableside ordering and payment, course and seat management, and split checks so servers never leave the floor.
- BodegaAI POS Systems - https://protechpayments.com/point-of-sale/bodega-ai/ - Convenience and corner-store POS with AI-assisted checkout and fast item lookup, item-level inventory, and age-verification prompts for high-volume baskets.

## Solutions (detailed)

- High-Risk Merchant Accounts - https://protechpayments.com/high-risk-merchant-accounts/ - Approval when other processors decline, with multiple high-risk banks, chargeback tools, and dual pricing to protect margin on a tougher account.
- ACH and eCheck Processing - https://protechpayments.com/ach-echeck-processing/ - Low-cost bank-to-bank payments for large and recurring invoices, with saved payer profiles and US-based support.
- Cash Discount Program - https://protechpayments.com/cash-discount-program/ - A compliant alternative to dual pricing that offsets card processing fees, set up with signage and receipts by a US-based team.
- Free Statement Analysis - https://protechpayments.com/free-statement-analysis/ - Send a recent merchant statement and a US-based expert shows your true effective rate, the padded fees, and your exact savings, with no obligation.
- Gift Card and Loyalty - https://protechpayments.com/gift-card-loyalty/ - Sell branded gift cards and reward repeat customers right on your terminal or POS.
- PCI Compliance - https://protechpayments.com/pci-compliance/ - Stay compliant and breach-safe with Level 1 encryption, tokenization, a guided SAQ, and support that keeps you validated. PCI is a required card-industry program, not an optional add-on.
- Chargeback Management - https://protechpayments.com/chargeback-management/ - Prevent, fight, and win more chargebacks with alerts, evidence help, and fraud tools, backed by US-based dispute support.
- Working Capital - https://protechpayments.com/working-capital/ - Turn card sales into fast working capital, repaid as a small share of future sales, with clear terms.

## Industries served (detailed)

- Restaurants - https://protechpayments.com/restaurant-merchant-services/ - POS, tableside and online ordering, and tip handling, with dual pricing fee recovery.
- Retail - https://protechpayments.com/retail-merchant-services/ - POS, barcode inventory, and gift cards, with dual pricing fee recovery.
- Auto Repair - https://protechpayments.com/auto-repair-merchant-services/ - Counter terminals, text-to-pay, and saved cards, with dual pricing that recovers fees on big repair tickets.
- Salon and Spa - https://protechpayments.com/salon-spa-merchant-services/ - Chair-side checkout, tipping, and gift cards.
- Home Services - https://protechpayments.com/home-services-merchant-services/ - Tap to pay on a phone, text-to-pay, and deposits for home and field pros.
- Medical and Dental - https://protechpayments.com/medical-dental-merchant-services/ - Card on file, payment plans, and text-to-pay, with PCI-secure processing, HIPAA-aware workflows, and signed BAAs.
- Professional Services - https://protechpayments.com/professional-services-merchant-services/ - Invoicing, card on file, retainers, and ACH for firms.
- B2B and Wholesale - https://protechpayments.com/b2b-wholesale-merchant-services/ - Level 2 and 3 interchange rates, ACH, and net-terms invoicing on large card tickets.

## Local service areas (detailed)

ProTech serves these Greater Houston communities from its Katy office off Kingsland Blvd, with in-person setup and dual pricing fee recovery:
- Katy, TX - https://protechpayments.com/merchant-services-katy-tx/
- Houston, TX - https://protechpayments.com/merchant-services-houston-tx/
- Sugar Land and Fort Bend, TX - https://protechpayments.com/merchant-services-sugar-land-tx/
- Cypress and northwest Houston, TX - https://protechpayments.com/merchant-services-cypress-tx/
- Richmond and Rosenberg, TX - https://protechpayments.com/merchant-services-richmond-tx/
- Pearland and south Houston, TX - https://protechpayments.com/merchant-services-pearland-tx/

## Calculators and tools

- Dual Pricing Savings Calculator - https://protechpayments.com/tools/dual-pricing-savings-calculator/ - Estimate how much a dual pricing program recovers on your monthly card volume.
- Credit Card Processing Fee Calculator - https://protechpayments.com/tools/credit-card-processing-fee-calculator/ - Estimate your true effective processing rate and monthly cost.
- Texas Surcharge Calculator - https://protechpayments.com/tools/texas-surcharge-calculator/ - Model a compliant Texas surcharge on card transactions.

## Guides and resources

- What Is Dual Pricing - https://protechpayments.com/what-is-dual-pricing-complete-guide/
- Dual Pricing vs Cash Discount - https://protechpayments.com/dual-pricing-vs-cash-discount/
- Interchange-Plus vs Flat-Rate Pricing - https://protechpayments.com/interchange-plus-vs-flat-rate-pricing/
- How to Read a Merchant Statement and Find Hidden Fees - https://protechpayments.com/how-to-read-merchant-statement-find-hidden-fees/
- Credit Card Surcharge Laws by State - https://protechpayments.com/credit-card-surcharge-laws-by-state/
- Chargeback Reason Codes - https://protechpayments.com/chargeback-reason-codes-complete-guide/
- Katy Merchant Services Complete Guide - https://protechpayments.com/katy-merchant-services-complete-guide/
- Houston Merchant Services Complete Guide - https://protechpayments.com/houston-merchant-services-complete-guide/

## Competitor comparisons (honest, ProTech vs others)

- Alternatives hub - https://protechpayments.com/alternatives/
- vs Houston Merchant Services - https://protechpayments.com/alternatives/houston-merchant-services/
- vs BryteTX - https://protechpayments.com/alternatives/brytetx/
- vs The Payments Hub - https://protechpayments.com/alternatives/the-payments-hub/
- vs Advisory Merchant Services - https://protechpayments.com/alternatives/advisory-merchant-services/
- vs Prestige Merchant Services - https://protechpayments.com/alternatives/prestige-merchant-services/
- vs Redstone Payment Solutions - https://protechpayments.com/alternatives/redstone-payment-solutions/

## Hardware and products

Terminals and POS ProTech places, sells, or reprograms: Clover Station Solo, Clover Station Duo, Clover Flex, PAX, Dejavoo, Valor VL100, plus countertop, wireless, and mobile readers. Software and management: OrderCounter, TouchBistro, and Tabit for restaurants, Oracle Simphony for restaurants, Korona POS for retail and convenience, BodegaAI for convenience stores, plus barcode inventory and gift cards for retail, virtual terminal, e-invoicing, recurring billing, and QuickBooks sync. Capital lending and equipment leasing are available.

## Payments accepted

Visa, Mastercard, American Express, and Discover; Apple Pay, Google Pay, and contactless cards; ACH and eCheck bank transfers; branded gift cards and loyalty cards.

## Integrations

NMI and Authorize.net gateways, Clover, OrderCounter, Korona POS, TouchBistro, Tabit, BodegaAI, First Data/Fiserv, Shopify, WooCommerce, BigCommerce, Magento, OpenCart, and QuickBooks.

## Frequently asked questions

- What is a merchant account and do I need one? A merchant account lets your business accept cards and have funds deposited to your bank. You need one to take cards at a counter, online, or by phone. ProTech sets up underwriting in 1 to 3 business days.
- What does ProTech charge? Standard processing is about 2.3 to 3.5 percent depending on card mix and ticket. The bigger lever is the compliant dual pricing program, which passes most of that cost to the card-paying customer. ProTech quotes against your real statement, with no long-term contracts.
- How do I switch processors? Switching is mostly paperwork on ProTech's end with no downtime. ProTech reviews a recent statement, reprograms or matches equipment when possible, and times the cutover so you keep taking payments.
- Are there long-term contracts? No. ProTech is month to month with no early termination fee on processing, and it keeps processing and hardware decisions separate so you are never trapped in a 48-month lease.
- Is support based in the US? Yes. Phone support is US-based with real people at (888) 255-0425, from the Katy, TX office.
- Are you PCI compliant? ProTech is a PCI Level 1 certified service provider and helps each merchant reach their own PCI compliance, included with every account.

## Contact

Sales and support: +1 (888) 255-0425 · info@protechpayments.com
Office: 25140 Kingsland Blvd STE 180, Katy, TX 77494, United States
Get a free rate review: https://protechpayments.com/get-started/