Know what you pay.
Know who to call.
Card processing, terminals, online checkout, invoicing and recurring billing. Pricing you can follow and 24/7 US based support when something goes wrong.
Merchant count, retention and annual processing volume are based on Phase 3 records. Inc. 5000 rank is from the 2026 list.
Start with the problem.
Not the product.
Pick the one that sounds familiar. You do not need to know which product solves it.
I want to know if my pricing is fair
Start with a quick estimate. For the exact answer, send us one statement. If your pricing is already fair, we will tell you.
Estimate my annual cost →
Dual pricingI want to offset processing costs
Dual pricing and surcharge can both reduce card processing costs, but the rules and customer experience are different. We will explain both and tell you which, if either, fits your business.
See how each works →
Point of saleMy point of sale is slowing us down
If the system you have still works, keep it. If it is costing your team time, we will help you choose one that fits the way your business runs.
See point of sale options →
Online paymentsI need to get paid online or by invoice
Take payments on your website, send invoices by text or email, or set up recurring billing for customers who pay you regularly.
See online payment options →
Choose how your business
gets paid.
Take payments in person, online, by invoice or on a schedule. Start with what you need and add more only when it makes sense.
Card processing
Accept credit, debit, tap, chip and digital wallets. Deposits go to the business bank account you already use, with pricing you can follow from one statement to the next.
See processing and pricing →
Point of sale & terminals
Keep your current system when it works. When it does not, choose from simple terminals to full restaurant and retail systems. New equipment arrives configured, and we train your team.
Compare point of sale options →
Online payments
Accept payments on your website, through hosted checkout or by invoice. Connect Shopify, WooCommerce, BigCommerce or a custom website.
Explore online payments →
Recurring billing
Automate memberships, retainers, payment plans and repeat invoices. Keep payment methods on file and bill customers on the schedule you agree to.
Explore recurring billing →
Dual pricing
Show a cash price and a card price, then let the customer choose. For the right business, it can offset most or all card processing costs.
See if dual pricing fits →
Surcharging
Keep one listed price and add a disclosed fee to eligible credit card transactions. Rules vary, so we explain the limits and whether it fits your business.
See how surcharging works →
We plan the switch
before anything changes.
The fear is not changing processors. It is losing a busy day because the change goes sideways. We plan the account, equipment, deposits and timing before the switch begins.
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Start with how you get paid
We learn how payments move through your business, what cannot go down and what you want to improve. If pricing is part of the problem, we review the statement line by line.
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Confirm approval and pricing
Underwriting usually takes 24 to 48 hours. We tell you early if the account needs more review and confirm the pricing before anything changes.
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Configure before delivery
When new equipment is needed, it arrives set up with the users, items, menus, modifiers and tax rules the system supports.
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Test before cutover
When the setup allows it, we run the new system alongside the old one until payments, deposits and daily workflows are working as expected.
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Time the old account correctly
We explain any remaining obligations and help you avoid closing the old account before the new deposits are settling as expected.
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Stay after launch
You keep a named contact and 24/7 US based support after the install, not just before it.
Still under contract? Send us the agreement. Sometimes the smartest move is to wait, and we will tell you that.
Ask these before you
choose a processor.
Three answers that tell you more than the biggest number on the proposal.
What is my effective rate?
Can the lowest quoted rate still cost more?
Do you work with high-risk businesses?
Your website should not
become another job.
Phase 3 Digital writes, designs, hosts, secures and updates your website for one monthly price. Use it on its own, or pay less when you process with Phase 3.
Add search or advertising only when it makes sense for your business.
$199 a month without switching processors.
- Copy and design for your business
- Hosting, SSL and Cloudflare included
- Forms, click to call, maps and analytics
- Technical SEO and schema
- Ongoing updates and support by email
No setup fee. Month to month. You own your domain, logo and photos.