Boutique attention, enterprise-grade payments
We work like a partner, not a call center. Direct contact, honest reviews, and technology that keeps up with your business.
Lower effective rates
We read your full statement — not just the headline rate — to find what's really costing you.
Zero-fee programs
Compliant surcharge, dual-pricing, and cash-discount options where they fit your business and the law.
Modern equipment
Smart terminals and POS that take tap, chip, and online payments without the headaches.
Real human support
A direct line to a real rep who knows your account — not a different agent every time.
See your potential savings in seconds
A quick, no-obligation estimate based on your monthly card volume. We'll confirm the real number in your free statement review.
Choose a program to model
Compare lower-rate, surcharge, cash-discount, and dual-pricing options — or let us recommend the best fit.
Estimated potential impact
Pick a program, enter your numbers, and tap Calculate My Estimate to see your result here.
Calculator results are estimates only and not a quote, guarantee, or approval. Actual savings, pricing, program eligibility, and equipment terms depend on merchant profile, card mix, transaction volume, average ticket, risk, processor/acquirer approval, card-brand rules, state laws, disclosures, and signed agreement.
Built for the way you take payments
From a single terminal to a full restaurant or retail stack, we tailor the setup to your business.
Additional support
Three simple steps to clarity
No long contracts to read before you even know if it's worth it.
Share a statement
Send a recent processing statement or your basic numbers. We handle the analysis.
Get a clear review
We break down your true effective rate, fees, and where you can realistically save.
Decide on your terms
If it makes sense, we set up your account and equipment. If not, no hard feelings.
Local businesses that deserve fair, modern payments
We specialize in the businesses big processors overlook — and we treat your margin like it's our own.
- Restaurants, bars, cafés, and food trucks
- Retail shops and boutiques
- Salons, spas, and service businesses
- Auto, medical, and professional services
- Multi-location and growing operators
"We don't win by hiding fees. We win by being the rep that actually picks up the phone and fights for your rate."
The Transactra Team
Merchant Services
Questions, answered honestly
Is the statement review really free?
Yes. The review and savings estimate are free with no obligation. You only move forward if the numbers make sense for you.
How does zero-fee processing work?
Depending on your business and local laws, programs like surcharging, dual-pricing, or cash-discount can offset processing costs. These must be set up and disclosed properly — we make sure it's compliant.
Do I have to switch right away?
No. We show you the numbers first. If switching helps, we handle the setup and equipment. If it doesn't, we'll tell you.
What do you need from me to start?
Just a recent processing statement or your approximate monthly card volume and average ticket. That's enough for a meaningful first estimate.
Programs are subject to qualification, underwriting approval, processor/acquirer approval, card-brand rules, state laws, equipment terms, and signed merchant agreement. Zero-fee, surcharge, dual-pricing, or cash-discount programs must be configured and disclosed properly. Transactra provides payment solutions in partnership with approved processing partners.
Need to start taking payments quickly?
Some businesses do not have weeks to wait for a payment setup. Transactra helps merchants evaluate fast-start payment options, simple POS paths, and terminal setups that can get eligible businesses moving quickly. Availability, approval, funding, equipment, and setup timing depend on provider requirements, underwriting, business type, and account configuration.
Availability, approval, funding, equipment, and setup timing depend on provider requirements, underwriting, business type, and account configuration.
Processor, POS, and terminal ecosystem
Platform and equipment options we can help you evaluate. We help merchants compare the right payment stack — processor, POS, and terminal.
Product names are trademarks of their respective owners. References are for compatibility, comparison, or solution-planning purposes and do not imply endorsement, sponsorship, or partnership unless expressly stated.
See what you could be saving this year
Free, fast, and no obligation. Get your estimate or book a review with a real rep.