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Payment Processing Services and Solutions 

Just as your business is unique, so are your payment processing needs. If you’re not accepting credit cards, debit cards, or other forms of payment like automated clearing house (ACH) payments and eChecks, you could be losing out on a lucrative potential customer base. Consumers prefer to have multiple payment options available to them, so it's important make sure your business can take multiple forms of payment easily.

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What You Gain With Payment Processing Services

You get the efficient and easy payment processing you need to fuel your business.

  • Point of Sale (POS) solutions
  • Credit and debit card payment processing
  • Processing online payments services
  • ACH processing services and eCheck processing
  • Interchange optimization
  • Transparent pricing
  • PCI compliance reminders
  • Next-day, same-day, and real-time funding options
business owner processing a payment

Credit Card Processing. Paychex Makes It Simple.

Credit card payments are the lifeblood of any business, but choosing a provider can be time-consuming with confusing and complex pricing. Paychex has solutions with the latest technology to customize your payment processing.

  • No surprises
  • No long-term contracts
  • No cancellation fees

Automated Payment Processing Options

You know your business and its customers, so choosing an automated payment processing service that works the best for both will benefit you in the long run.

Credit Card Payment Processing

Think major credit cards — Discover®, Visa, MasterCard® — and beyond. Serve more of your customers with a system that does more, including accepting EMV chip cards and gift cards. There are even 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 cards, 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 Payment Processing

For your customers who want to pay without using paper checks or credit cards, give them the option to pay by ACH bank transfer — a simple, secure way to pay your business. Not only can online ACH payment processing help you tap into a wider customer base, but you can also enjoy offering a payment processing method that’s less expensive than credit card processing transactions.

eCheck Payment Processing

Process eChecks (also known as electronic, online, or internet checks) fast by converting paper checks into digital payments. Using ACH, eCheck payment processing direct debits from your customer’s checking account into your company’s business bank account, with payments typically clearing within a few business days. It’s safe and secure for your customers, while being a cost-effective payment method for your business.

Do More With Your POS

Accepting credit card payments is just the start. A modern point of sale (POS) 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.

Clover Station POS

Reasons To Choose Paychex Payment Processing Services


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.

A small business owner working and on the phone
Software Integration

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.

Paychex Flex integrates with companies like Xero, Indeed, Intuit Quickbooks and Jirav

Compliant and Secure

We can help you avoid fraud and liability with Payment Card Industry Data Security Standard (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.

a customer using contactless payment option to pay for her purchase at a small business
Timely Payments

Get Paid Quickly

Take advantage of next-day, same-day, and real-time funding options — without paying higher processing rates. ACH processors let 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.

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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 known as Merchant Services.

  • How Do Small Businesses Accept Payments?

    How Do Small Businesses Accept Payments?

    Businesses can accept payments in a variety of ways: credit cards, debit cards, 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 Credit Card Payment Processing Fees?

    How Do I Avoid Credit Card 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% 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 Payment Processing Solutions From Paychex?

    How Safe Are Payment Processing Solutions From Paychex?

    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 PCI-DSS compliance.

  • Is There a Processing Fee for Debit Cards?

    Is There a Processing Fee for Debit Cards?

    Like credit cards, there are fees for debit card payment processing. Fees can vary and depend on a variety of factors, including industry, type of debit card, type of debit transaction, and whether a bank is regulated or unregulated.

  • Is There a Processing Fee for ACH?

    Is There a Processing Fee for ACH?

    There are ACH online payment processing fees, although they tend to be lower than fees associated with card payments and paper checks. Research suggests that the median cost for initiating and receiving an ACH payment is between $0.26-$0.50 per transaction. Fees will depend on factors such as the size of the transaction, how many transactions a business submits, if the payment is processed the same day, and the bank.

  • How Can I Accept Credit Card Payments Without a Machine?

    How Can I Accept Credit Card Payments Without a Machine?

    You can accept credit card payments online through an online payment service provider. You can also use a POS solution to help your business process card payments in person.

  • How Long Does It Take an eCheck To Clear?

    How Long Does It Take an eCheck To Clear?

    It typically takes 3-5 business days for funds for an electronic check to go from the consumer’s bank account and be deposited into a merchant’s bank account. Banks will verify payments within 24-48 hours.

  • What Is the Best Way To Accept Payments Online?

    What Is the Best Way To Accept Payments Online?

    There are many options available today for businesses of all sizes to accept and process online payments, including popular payment methods such as:

    • Credit and debit cards
    • eCheck payment processing via ACH
    • EMV and chip card solutions

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