
Payment Processing Services and Solutions
Just as your business is unique, so are your payment processing needs. If you’re not accepting credit or debit cards, you could be losing nearly two-thirds of your potential customer base. Paychex has solutions with the latest technology to customize your payment processing — and with no surprises, no long-term contracts, and no cancellation fees.
What You Gain with Payment Processing Services
You get the easy and efficient payment processing you need to fuel your business.
- Point of Sale (POS) solutions
- Credit and debit card processing
- Online payment services
- ACH payment and eCheck processing
- Interchange optimization
- Transparent pricing
- PCI compliance reminders
- Next-day, same-day, and real-time funding options
Payment Processing Options
You know your business and its customers, so choosing the payment processing service that works the best for both will benefit you in the long run.
Credit Card Processing
Think major credit cards — Discover®, Visa, MasterCard® — and beyond just credit cards. Serve more of your customers with a system that does more, including accepting EMV “chip” cards and gift cards, plus has options to add surcharges to credit card payments so you get 100% of the sale. Expand your customer base with dynamic currency conversion, which provides a receipt to international customers with the purchase in U.S. dollars, the conversion rate, and the cardholder’s home currency amount.
Online Payment Processing
Clear off counter space at work by making your PC a payment processing terminal. With CardPointe and Converge gateways you can accept credit/debit cards, eChecks, and gift cards – and you can do it in person, on the phone, and online. And with our mobile payment processing solution, you can process from iPhone, iPad®, and Android™ devices.
ACH and eCheck Payment Processing
There are people who don’t have or use credit cards. Why not tap into that potential customer base by offering Automated Clearing House (ACH) and electronic (eCheck) processing? You can save money since this processing cost nearly half of credit card processing, get paid quicker with same-day settlement, and boost customer satisfaction by making it easier for a wider base to purchase your goods and services.
Do more with your POS
Accepting credit card payments is just the start. A modern point of sale system can help increase efficiency, manage your employees with clock functionality, drive better decisions through data (sales, inventory), and engage with customers through automated emails.

Pricing transparency helps you budget
You have a budget, and we make it easy for you to work within that with pricing that is easy to understand; transparent rates, no surprises, and no long-term contracts or cancellation fees.
The right payment processing software can make a difference
We offer a full range of the latest payment processing equipment and software, including integration with QuickBooks® that includes low merchant account rates and can help reduce the risk of keystroke errors.
Compliant and secure
We can help you avoid fraud and liability with PCI DSS compliance reminders and full tokenization security. Plus, merchants who use our Safe-T™ Security Solutions from Elavon can receive up to $250,000 in financial assistance in the event a card is compromised. These solutions feature a highly effective combination of authentication, encryption, and tokenization technologies that protect cardholder data.
Get paid quickly
Take advantage of next-day, same-day, and Real-Time funding options—without paying higher processing rates. ACH lets you even set up automated, recurring billing to help increase timely payments for customers who pay for a product or service on an ongoing basis.
Other Services for New Businesses
The decision that follows the decision to open a business could be the most important one you make. It’s the one that determines what help and support you want as you start your venture. Paychex offers startup services and works with thousands of businesses every day to help ensure their success.
Paychex Payment Processing FAQ
-
What is payment processing?
What is payment processing?
Payment processing is the automation of transactions between a customer and a business. The most common form of payment methods are credit and debit cards, but ACH, eCheck, gift cards, and other types of payment options are all considered part of what is now known as “payment processing” services, also know as Merchant Services.
-
How do small businesses accept payments?
How do small businesses accept payments?
Businesses can accept payments in variety of ways: credit cards, debit cards, automated clearing house (ACH) transactions, eChecks, gift cards, and more. They can do this through the use of a Point of Sale (POS) system or by using payment processing software on a computer or mobile device.
-
How do I avoid payment processing fees?
How do I avoid payment processing fees?
Paychex offers a comprehensive surcharging solution that applies a fee to customers using a credit card for their payment, so the business receives 100 percent of the sale. Also, Intelligent Rate for Government and Education calculates the cost of the card and prices the service fee in proportion to what the transaction will actually cost.
-
How safe are Paychex's payment processing solutions?
How safe are Paychex's payment processing solutions?
Paychex provides the latest EMV-ready terminals protected by point-to-point encryption (P2PE). Our payments security solutions can help defend your sensitive card payment information with EMV, encryption, and tokenization that authenticate cardholder identity and make data virtually useless to fraudsters. Utilizing these solutions can help reduce the time spent on Payment Card Industry Data Security Standard (PCI-DSS) compliance.