ONE PARTNER FOR PAYMENTS, TERMINALS & FUNDING · US-BASED SUPPORT · NO HIDDEN FEESCALL (888) 255-0425

Merchant Services Built to Save You

More than credit card processing, ProTech delivers full merchant services with transparent pricing, U.S.-based experts, and payment solutions tailored to how you get paid.

$250 Million

 Payments Processed Annually

★★★★★5.0onGoogleUS-Based SupportNo Long-Term Contracts
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Stop Overpaying On Processing Fees with dual pricing and cash discount
Save up to 100%on processing fees
Dual Pricing & Cash Discount
Stop Overpaying On Processing Fees

Most Katy businesses lose 2.3 to 3.5 percent on every card sale across the counter, online, and in the field. ProTech consolidates those channels under one dual pricing or cash discount program that recovers the bulk of it.

We post a cash price and a card price so card customers cover the processing cost, then program your terminals and POS, supply signage and receipts, and keep you compliant with card brand rules and Texas law. US-based support, no long-term contracts.

See how much you could save →
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Merchant Services

Payment processing built around your business

Every business takes payments differently. Whether you run a retail counter, a restaurant, a service company, or sell online, ProTech Payments matches you with the right mix of terminals, point-of-sale systems, and online checkout tools, all connected to one secure gateway.

You get next-day funding, real-time reporting, and U.S.-based account support from a team that knows your account by name. No call-center scripts, no surprise statements, just dependable payment processing that grows with you.

Talk to a payments specialist →
Merchant services and point-of-sale payment processing for your business
One platformevery way to get paid
Ways to Get Paid

Accept payments your customers love

Accept every way your customers want to pay with ProTech Payments, from credit cards to digital wallets, all on one secure merchant account.

Credit & Debit Cards

Credit & Debit Cards

Accept all major credit and debit cards in store, online, and by phone.

Digital Wallets

Digital Wallets

Take contactless payments with Apple Pay and Google Pay.

ACH & Bank Transfers

ACH & Bank Transfers

Collect low-cost ACH and bank transfer payments directly from accounts.

Mobile Payments

Mobile Payments

Accept mobile payments anywhere from your phone or tablet.

QR Codes & SMS Links

QR Codes & SMS Links

Let customers pay instantly with a QR code or a secure SMS link.

Recurring Payments & e-Invoicing

Recurring Payments & e-Invoicing

Automate recurring billing and e-invoicing with QuickBooks sync.

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.

01

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
02

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 merchant account

As a U.S.-based payment processor trusted by thousands of merchants, we pair bank-grade security with low, transparent pricing, so you get enterprise-level reliability without the hidden fees, plus a support team that actually 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
01

Quick Setup

Get approved fast and start accepting credit card payments online.

02

Flexible APIs

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

03

Security

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

04

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.

How it works

Set up in three simple steps

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

1

Send your statement

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

2

Get your gateway

We set up your NMI or Authorize.net gateway and connect your site, terminal & billing.

3

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
What is a merchant account and do I need one?
A merchant account is the banking relationship that lets your business accept credit and debit cards and have those funds deposited into your bank. You need one if you want to take card payments at a counter, online, or by phone. ProTech sets up your account and underwriting in 1 to 3 business days, connects you to NMI or Authorize.net for online needs, and keeps everything month to month with no long term contract.
How do I switch credit card processors?
Switching is mostly paperwork on our end, not downtime on yours. ProTech reviews a recent statement, matches or reprograms your current equipment when possible, and runs underwriting, which usually finishes in 1 to 3 business days. Because we are month to month, you are never locked in, and we time the cutover so you keep taking payments throughout. Most owners switch to cut the 2.3 to 3.5 percent they pay now using our dual pricing program.
What does ProTech charge to process payments?
Standard processing runs about 2.3 to 3.5 percent depending on your card mix, average ticket, and whether cards are swiped or keyed. The bigger lever is our compliant dual pricing program, which passes most of that cost to the card paying customer and can recover the majority of your fees. We quote against your actual statement so the numbers are real, and there are no long term contracts, so you can leave if it does not work.
Is ProTech support based in the US?
Yes, our phone support is US based with real people, not an offshore call center or a phone tree that loops. You reach us at (888) 255-0425 and talk to someone who can actually look at your account. We are based at 25140 Kingsland Blvd STE 180 in Katy, TX and serve the Houston metro plus businesses nationwide. That direct access is part of why we hold a 5.0 Google rating.
Are there long term contracts or cancellation fees?
No. ProTech runs month to month, so there is no multi year agreement and no early termination fee built into your processing. We earn the business each month instead of trapping you in it. This matters most around equipment, where some providers bundle a 48 month lease that you cannot exit. We keep processing and hardware decisions separate so you stay free to leave if we stop delivering value.
Which payment systems and software does ProTech work with?
ProTech works across in store terminals, mobile readers, virtual terminals, and full online checkout through the NMI and Authorize.net gateways. On the software side we integrate with Shopify, WooCommerce, BigCommerce, and QuickBooks, so payments and your books stay in sync. Whether you run a single register or sell in store, online, and by phone at once, we set up one merchant account that covers every channel and reports back to the same place.

Ready to Get started?

Join the growing community of US businesses that trust ProTech Payments for low-fee credit card processing.

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