Accept payments with confidence. Lower fees, better technology, and transparent pricing that saves you money.
Accept all major credit and debit cards with industry-leading processing technology. Our solutions support Visa, Mastercard, American Express, and Discover, with competitive rates starting as low as 2.3% for qualified merchants.
Unlike flat-rate processors, we use interchange-plus pricing that passes the true processing cost to you. You pay the network cost plus a small, transparent markup—saving money on every transaction.
We believe in complete transparency. Here’s what you actually pay:
Set by card networks (Visa/Mastercard). Typically 2.2%–2.5% depending on card type.
5¢ + 5 basis points.
$20 per month.
ACH (Automated Clearing House) payments are direct bank-to-bank transfers that offer dramatically lower processing costs than credit cards. With fees as low as 0.5% (capped at $5 per transaction), ACH is ideal for recurring payments, subscriptions, and large transactions.
ACH payments process through a secure clearing house, offering bank-level security while reducing your processing costs by up to 70% compared to credit cards. They're perfect for B2B transactions, property management, subscriptions, and any business that processes regular or high-value payments.
With same-day ACH now available, you can receive funds faster while still enjoying significantly lower fees than traditional card processing.
Best For
Recurring payments, large transactions
Processing Time
1–3 business days (same-day available)
Example: $10,000 transaction
$5.00
Best For
One-time purchases, small transactions
Processing Time
Immediate authorization
Example: $10,000 transaction
$290.30
Merchants typically save 15–30% on processing fees by switching from flat-rate providers.
Get Stripe-level APIs and security at a fraction of the cost.
Just $20 monthly, no setup or termination fees.
Real payment experts available 24/7 by phone or email.
Join thousands of businesses that have switched to Halo Payments and are saving thousands of dollars every year on processing fees.
No contracts • No setup fees • Switch in minutes