Payment Processing
Transparent payment processing with no surprises
Flat-rate pricing, next-day funding, and local support from Panhandle Merchant Services. Accept every payment type and keep more of what you earn.
2.45%
Card-present processing rate + $0.15
Next day
Funding available — no waiting on your money
$0
No hidden fees, no long-term contracts
Know exactly what you pay every month
SpotOn's transparent flat-rate pricing means no surprise fees on your statement. One simple rate for card-present transactions, with optional dual pricing and surcharge to offset costs entirely.
- Flat-rate card-present processing
- Optional dual pricing & surcharge
- No hidden fees or surprise charges
- No long-term contracts required
Every payment type your customers use
Accept Visa, Mastercard, Amex, Discover, Apple Pay, Google Pay, gift cards, and cash — in person, over the phone, or online. Never turn away a sale because of a payment method.
- All major cards & contactless payments
- Apple Pay & Google Pay
- Gift cards & cash
- Phone & virtual terminal payments
Get your money faster
Next-day funding means you're not waiting days to access your revenue. SpotOn's payment processing is backed by industry-leading security and PCI compliance so every transaction is protected.
- Next-day funding available
- PCI-compliant processing
- Automatic fraud protection
- Detailed transaction reporting
"Switching to SpotOn through Panhandle Merchant Services saved us money every month. The flat-rate pricing is exactly what we needed — no surprises."
Jennifer L.
Owner, Coastal Boutique
Frequently asked questions
Ready to lower your processing costs?
Panhandle Merchant Services helps businesses across the Gulf Coast get better rates and faster funding. Get a free demo today.
Get a free demo