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Working Capital Fast Funding

Turn your card sales into fast working capital, repaid as a small share of future sales, with clear terms and real US-based support.

$250 Million

 Payments Processed Annually

★★★★★5.0onGoogleUS-Based SupportNo Long-Term Contracts
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Free Up Cash by Recovering Fees with dual pricing and cash discount
Save up to 100%on processing fees
Dual Pricing & Cash Discount
Free Up Cash by Recovering Fees

Funding gives you cash now, but recovering your processing fees frees up money every single month. Dual pricing posts a cash and card price so card customers cover most of the fee instead of your bottom line.

We set up the signage, receipts, and programming to keep everything compliant with card-brand rules and state law. Processing usually runs 2.3 to 3.5 percent, so recovery adds real cash alongside your funding. US-based support, no long-term contracts.

See how much you could save →
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Funding

Funding repaid from your future card sales

Need cash for inventory, payroll, or expansion? ProTech merchants can access working capital based on their card volume, with funds in days and repayment as a small, automatic share of future sales. This is business funding, not a terminal lease and not a fixed bank loan.

You get a quick offer based on your processing history, fast funding, and flexible repayment that flexes with your sales. No collateral demands, no fixed monthly loan payment, and U.S.-based support that explains every number.

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 processor, we turn your card volume into fast working capital, repaid as a small share of sales, so slow weeks cost less, with clear terms, support that answers when you call, and no hidden fees.

  • 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 an offer

We review your card volume and return a fast working-capital offer with clear terms.

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 cash advance?
A merchant cash advance is funding you repay automatically as a percentage of your daily or weekly card sales. It is technically a purchase of future receivables, not a loan, so approval leans on your processing volume rather than your credit score. You get a lump sum upfront and pay it back as money comes in, so slow days mean smaller payments. It is fast but costs more than a traditional loan. ProTech can connect you with funding tied to your real sales.
How is a cash advance different from a loan?
A merchant cash advance and a loan differ in structure, cost, and approval. A loan has a fixed term, a set monthly payment, and an interest rate, and it usually depends heavily on credit. A cash advance has no fixed term, repays as a percentage of sales, and approves mainly on your processing volume. Advances fund faster but cost more. Equipment financing is a third option that uses the equipment itself as collateral. ProTech helps you weigh which fits your situation.
How does repayment from sales work?
With a merchant cash advance, a fixed percentage of each day's or week's card sales is automatically withheld until the advance is repaid. If you have a strong sales day, you pay back more; if sales are slow, you pay less. This flexibility helps seasonal and variable businesses because payments rise and fall with revenue. The tradeoff is that the total cost is set upfront as a factor rate, so faster repayment does not always lower the cost.
How fast can I get working capital?
Working capital through a merchant cash advance can fund in as little as 1 to 3 business days, much faster than a bank loan that may take weeks. Because approval is based mostly on your card processing history rather than deep credit underwriting, the paperwork is lighter. You typically provide a few months of processing statements and bank statements. ProTech, which already sees your processing volume, can move quickly on a funding request when you need cash for inventory or payroll.
What are the credit requirements?
Credit requirements for a merchant cash advance are far looser than for a bank loan. Because repayment comes from your card sales, funders weigh your monthly processing volume and time in business more than your credit score. Many businesses with average or below-average credit still qualify. The cost reflects that risk, so weaker credit can mean a higher factor rate. ProTech reviews your processing history first and gives you an honest read on what terms you can realistically expect.
When does working capital make sense?
Working capital makes sense when a clear, time-sensitive opportunity or need will earn back more than the funding costs, like buying inventory at a discount, covering a seasonal ramp, or making a quick repair that keeps you open. It is a poor fit for ongoing shortfalls or covering losses, since the cost is higher than a traditional loan. Be honest about the return before taking it. ProTech helps you run the numbers so the advance pays for itself.

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Turn your card sales into fast working capital with clear terms, from a team that answers.

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