How it Works

Members save, on average, 40% per month

  1. Become a member
  2. Get Wholesale Rates
  3. Start saving

We cut out the middlemen, so our members only pay wholesale.

Members Never Have to Negotiate Rates

Traditional processing companies will bundle their "rate" on top of the wholesale rate, essentially misleading a merchant into believing the bundled rate is a good deal. Payment Depot members never have to negotiate the processor's rate because we never charge a rate added on top of wholesale. Instead, you become a member and know you're joining a club of merchants who get the lowest possible wholesale rates every time. Membership means no negotiating, no processor markup, and no rate increases, ever.

Solutions for Every Type of Business

Learn more about our equipment options

Finally, Credit Card Processing Made Easy

1 Choose a Plan
2 Get Free Equipment
3 No Cancellation Fee

Call 877-876-8776 and get 2 months FREE - or - Request a Quote

Our Plans

  • Basic  |  Great for New Businesses
  • Most Popular  |  Ideal for All Businesses
  • Best Value  |  Perfect for Professional Service Providers
  • Premier  |  All the features to scale an Enterprise business

  Basic Great for
New Businesses
Most Popular Ideal for
All Businesses
Best Value Perfect for Professional Service Providers Premier All the features to scale an Enterprise business
Monthly Plan $49/mo + interchange $79/mo + interchange $99/mo + interchange $199/mo + interchange
Processing Volume Limit $25,000/mo $75,000/mo $200,000/mo Unlimited
Transaction Fees $0.15 $0.10 $0.07 $0.05
Choice of Equipment
Free Reprogram of Existing Equipment
Free Gateway
Free Mobile Reader -
Free Standard Terminal -
Free Pin Pad - -
Free Terminal Upgrade Every 2 Years - - -
Rate Protection
Chargeback and Risk Monitoring
No Cancellation Fee
Next Day Funding
Data Breach Protection -
Premier 24hr Support -

Call 877-876-8776 and get 2 months FREE - or - Request a Quote

Trusted by


  • No Cancellation Fee
  • PCI SAQ Included
  • Interchange + 0%
  • No IRS Fee
  • No Negotiating
  • Dedicated Service
    and Support

Why Join?

We understand that shopping around for credit card processing rates is a hassle. That’s why we’ve invented a new way...membership. As a member, you get direct access to the wholesale rates set by the card brands. That means you bypass the percentage markups that go to the sales reps and the processor and those savings go right back into your bank account. At Payment Depot, we protect you from overpaying for credit card processing. Our members accept credit cards with confidence knowing they’re only paying what they have to.

Click Here for Details

No Surprises. No Risk. All Reward.

All annual memberships come with a 90 Day full refund satisfaction guarantee!

See for yourself how getting rid of the processor can save you up to 40% with a Payment Depot membership.

Start taking advantage of these benefits.

100% Satisfaction Guarantee

No cancellation fee. If you are unhappy for any reason you can cancel your membership at any time with no penalty.


Funds are automatically transferred to your bank account as fast as the next business day.


Payment Depot is PCI compliant. We adhere strictly to industry standards to manage our network, secure our Web and client applications, and set policies across our entire organization.

Customer Service 24/7

We are available to help you
24 hours a day 7 days a week.

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What do people say about us?

Real People. Real Stories. Real Savings.

Meet Craig who saves over $800 a month.

Meet Richard who loves our customer service.

Meet Brett who found a payment processing solution for his online business.

Meet Bob who knows the importance of getting wholesale for his business.

Featured in the Press

"You'll definitely improve your odds against the big boys by making the switch."

"Businesses have always paid a percentage to a credit card processor, but not anymore."

"Payment Depot is changing the way small businesses accept credit cards forever."

"The answer to streamlining card payments and saving money in the process is monthly plans."

5 stars from Merchant Maverick
January 10, 2015
Read full review

Got my statement and just wanted to say thank you. The True Cost™ worked out to 2% in the end. Also got my last statement from Sage (formerly Heartland) and when I calculated all fees into processed sales, it was 5%… Thank you!!!

Kristie W Owner of Iwag, Georgia

Frequently Asked Questions

How is Payment Depot different from credit card processors?

Payment Depot was started out of frustration with traditional credit card processing companies. We are a membership company who set out to be different by protecting members with a transparent pricing structure. Our program gives members direct access to the base rates established by credit card brands, allowing them to bypass percentage markups and extra fees. Payment Depot members accept credit cards with confidence knowing they are only paying wholesale.

What are the wholesale rates from Visa/MasterCard/Discover/Amex?

Every time a customer swipes a credit card, the merchant must pay a small percentage of the transaction to whichever card brand (Visa, MasterCard, Amex, Discover) is involved. This mandatory, universal fee is known as the wholesale cost of processing. Unfortunately, many processing companies quote their rate (the wholesale + their processing markup), but merchants are unaware that they are paying an unnecessary markup. At Payment Depot, we never profit from rates, meaning our members never pay more than wholesale.

The buying power of our membership club allows us to provide access to wholesale rates without any markup and in turn, give those savings right back to members. At Payment Depot, we are committed to providing our members with an exceptional value.

How much will I save with Payment Depot?

On average, we save members $400 or more! Payment Depot has no processing fees, so the more you process the more you save. Often, the first month's savings end up covering the entire membership cost.

Which plan is right for me?

Each membership plan is suited to different business needs. Our plans cater to the amount of volume your business processes annually. Here's a guide to help you decide which plan is right for you:

  • Basic Membership: Authorized to process up to $120,000 annually
  • Most Popular Membership: Authorized to process up to $480,000 annually
  • Best Value Membership: Authorized to process up to 1.2 Million annually
What happens if I process more than my plan authorizes?

If a member processes more than their plan authorizes, the member's account will be moved up to the appropriate plan (based on sales volume) upon annual renewal

Can I change membership plans?

Yes, of course. We understand that as your business fluctuates your needs may change, so we give you the freedom to switch plans at any time.

Am I locked into a contract?

We have no cancellation fee. You can cancel anytime with no penalty.

Are custom plans available?

Yes. Please contact our sales team at 877.876.8776 or and we can put together a quote that works for your business needs.

What are the benefits of becoming a member?

A Payment Depot membership includes everything to protect you from being overcharged by credit card processors. Our members don't have to worry about hidden fees or surprises on their statements. There are no extra account fees, statement fees, surcharges, PCI fees, service fees or any other type of miscellaneous fees. We strive to give our members piece of mind and let them get back to what they do best, growing their businesses.

What is PCI?

PCI is a mandatory certificate required annually by credit card brands to keep merchants accountable for protection of cardholder data. Payment Depot proactively includes this certificate in each membership plan as a means of protecting its members. Most other companies will charge $100 or more a year to obtain this certificate, but usually do not disclose this fee to customers upfront.

*In all cases, failure to comply with PCI certification will result in monthly non-compliance fees.

What about equipment?

Once approved, we will reprogram your existing terminal for free or help you select new equipment starting at $49.

What are my equipment options?
  1. Reprogram your existing terminal for free
  2. Use our free key entry virtual terminal
  3. Purchase new equipment at low wholesale cost
What is the free key entry virtual terminal?

This virtual terminal allows you to key enter credit card transactions on any web browser on any device. Ideal for businesses with fewer daily transactions or as a back up in the event you experience an equipment problem.

Why don't you offer free equipment on all membership plans?

Since we can reprogram existing terminals for free and many members do not need to purchase new terminals upon sign up, we do not offer free equipment in an effort to keep our prices low for everyone.

How do I get approved?

All banks require businesses to go through an approval process to protect against potential fraud.  At Payment Depot, this process is usually completed within 24 hours.

Does Payment Depot service businesses outside of the United States?

No. At this time, Payment Depot can only service businesses in the United States.

What industries does Payment Depot service?

Retail, restaurant, B2B, mobile, eCommerce, medical, legal, accounting, professional services.

Are there any industries that Payment Depot prohibits?

Yes. Due to their high risk status the following businesses are prohibited: accounts receivable and billing, adult oriented, advanced payments older than a year, airlines, online or non face to face alcohol sales, non financial institution cash advance, cash gifting, chain letters, check cashing establishments, collection agencies or assets recoveries, identity theft services, credit repair, cruise lines, currency exchange, debt consolidation, drug paraphernalia, extended warranty companies, online firearm or weapon sales including ammunition, online gambling, get rich quick schemes, golf clubs, healthcare plans, loan modification, lotteries or raffles, medical marijuana, lifetime membership clubs (health and sports), money transfer services, online pharmacy, designer name products replicas, special incentives or rebates, lifetime subscription service, online tobacco sales.

How soon are funds deposited into my account?

Funds are deposited directly into your account within 24 to 48 hours.

How soon can I get set up?

Our online application takes only 10 minutes to fill out. Approval time is usually 24 hours. Once you are approved a representative will contact you to go over your equipment options.

Can I still use for my website?

Yes. We can integrate your existing account with Payment Depot or we can set up a new account for you.

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