Accepting credit card payments offers several advantages for small businesses like increased sales revenue, improved customer experience and the ability to accept payments remotely or online. Additionally, accepting credit cards can help businesses build their reputation and credibility by offering a payment method that customers have come to expect.
We're the industry experts
At Global Payments, we offer the reach of a worldwide partner with the specialized support of a local one. As a trusted Fortune 500 with decades of experience, we help power your business, today and tomorrow.
Quick, clear processing
Minimal
downtime
Secure
transactions
Lightning-fast funding
Everything you need in a payment processor
Take payments on the go
Keep your business running smoothly, whether you’re on the road, at a job site or hosting a pop-up event. With on-the-go credit card processing you can securely accept your customers’ favorite way to pay, anywhere. Order a new handheld point of sale (POS) or mobile card reader from us, or integrate our software with your existing mobile solution.
Automate your billing and invoicing
Put more time back in your day and money in your pocket with automated paperless billing and invoicing. From simplifying subscription payments with weekly, monthly or quarterly management options to sending customizable invoices via pay by link, text or email, we help your accounting team save time and make paying easier than ever for your customers.
Get your money in seconds, not days
Forget waiting several business days for a credit card transaction to reach your bank account. Get access to the money you’ve earned in a snap with instant, same-day or next-day deposits.* Say goodbye to cash flow delays and never worry about cutoff windows again with 365 funding, including weekends and holidays.
Access 900+ ecommerce integrations
Keep cashing in even when your customers are on their couch. We make it easy to accept online credit card payments with ecommerce functionality that integrates directly into your online store for a seamless customer experience that’ll turn browsers into buyers. Plus, our prebuilt integrations for popular shopping carts, APIs and online business platforms make setup a breeze.
Cut costs with stress-free surcharging
Keep pricing and margins competitive by recouping credit card processing costs from your customers at checkout through a surcharge fee. That means you’ll avoid card brand fines while keeping pricing and margins competitive.
No card? No problem. With Heartland, you can still make the sale. Turn any device into a virtual terminal and securely process credit card payments through your POS system, computer, mobile device or tablet even when the card isn’t present. Best of all? There’s no credit card reader, shopping cart or third-party payment gateway required.
Ditch the hardware with virtual terminal
No card? No problem. With Heartland, you can still make the sale. Turn any device into a virtual terminal and securely process credit card payments through your POS system, computer, mobile device or tablet even when the card isn’t present. Best of all? There’s no credit card reader, shopping cart or third-party payment gateway required.
Got a question?
Whether starting up or scaling up, keep moving with future-forward payment solutions designed to fit every business model, from small business to enterprise.
Payment processing you can count on
Global Payments Direct, Inc. is a registered ISO of Wells Fargo Bank, N.A., Concord, CA
Global Payments Direct, Inc is a registered ISO of PNC Bank, N.A., Pittsburgh, PA
Genius is a trademark of Global Payments Inc. All trademarks and service marks contained herein are the sole and exclusive property of their respective owners.
It only takes a few simple steps for small businesses to start accepting credit card payments. You’ll just need the following information:
- Your industry category – make sure that you’re not considered a “high risk merchant”
- Whether you plan to sell via in-person transactions, online or both
- Number of locations
- How you accept transactions: on a terminal or card reader, or through your website or your own software
- Types of payments you’d like to accept: credit cards, ach, google pay™, apple pay®, gift cards, ebt, etc.
- How quickly you would like to receive your funds
- Estimated annual volume – it’s ok if you’re not sure if you’ll be a low-volume or high-volume business, just a ballpark estimation is needed
- Estimation of card present, in-person transactions
- Estimation of card not present transactions made over the phone or through your online store
When choosing a credit card processor, small businesses should consider factors like the processor's reputation and reliability, the range of payment methods supported, the system's ease of use and the level of customer support provided. It's also important to ensure that the processor is compatible with the business' point of sale system, offers transparent pricing and meets all necessary security and compliance requirements.
Beyond credit cards, customers expect small businesses to provide a convenient checkout experience that allows buyers to use their choice of payment method. Heartland helps you accept all the ways your customers want to pay, including credit cards, debit cards, gift cards, mobile wallets, QR codes, ACH, checks and eChecks, online payments and more. With fast, flexible processing that supports the broadest range of payment types, you’ll boost sales and satisfy customers — whether you’re in store, online or on the go.
The time it takes for a small business to receive funds from credit card transactions can vary depending on the processor and the type of transaction. Generally, businesses can expect to receive funds within 1-3 business days for most credit card transactions. However, some processors may offer faster or even instant deposits, and some additional fees may be associated with expedited payment processing.
Credit card processing is generally priced per transaction and can scale with your business needs as transaction volumes grow. Discussing the pricing structure and processing rates with your payments partner is important to ensure you fully understand the costs. In addition to a setup fee or early termination fee, other common fees you may see on a statement are:
- Merchant service fees: these pay for the ability to access the authorization network
- Interchange fees: charged by the credit card brands and card issuers
- Transaction fees: the amount you pay per transaction
- Discount fees: a charge payment processing companies use for passthrough payment processing services to debit and credit card companies
- PCI compliance fees: payment processors use these charges to cover the costs of security
Credit card payments
Debit card payments
Gift cards
Digital wallets
Mobile payments
QR codes
Checks and eChecks
Online payments
ACH
Accept payments any way that you want to
Getting paid has never been easier. Enjoy fast, flexible card processing alongside all other payment types so you never miss a sale.
Contactless payment options customers will love
Tap to pay
No need to insert or swipe credit and debit cards — customers can make touch-free payments with a single tap to your point of sale or card reader.
Digital wallet
Patrons wanting to pay with their digital wallets? Whether they use Google Pay™ or Apple Pay, mobile phone or smart watch, we got you.
Pay by link
Generate an invoice and send a secure payment link via text, QR code or email straight to your customers' phones.
Everything you need to grow your business smoothly
Take payments on the go
Keep your business running smoothly, whether you’re on the road, at a job site or hosting a pop-up event. With on-the-go credit card processing you can securely accept your customers’ favorite way to pay, anywhere. Order a new handheld point of sale (POS) or mobile card reader from us, or integrate our software with your existing mobile solution.
Get started
Ditch the hardware with virtual terminal
No card? No problem. Turn any device into a virtual terminal and securely process credit card payments through your POS system, computer, mobile device or tablet — even when the customer’s card isn’t present. No card reader, shopping cart or third-party payment gateway required.
Get started
Automate your billing and invoicing
Put more time back in your day and money in your pocket with automated paperless billing and invoicing. From simplifying subscription payments with weekly, monthly or quarterly management options to sending customizable invoices via pay by link, text or email, we help your accounting team save time and make paying easier than ever for your customers.
Get started
Get your money in seconds, not days
Forget waiting several business days for a credit card transaction to reach your bank account. Get access to the money you’ve earned in a snap with instant, same-day or next-day deposits.* Say goodbye to cash flow delays and never worry about cutoff windows again with 365 funding, including weekends and holidays.
Get started
Access 900+ ecommerce integrations
Keep cashing in even when your customers are on their couch. We make it easy to accept online credit card payments with ecommerce functionality that integrates directly into your online store for a seamless customer experience that’ll turn browsers into buyers. Plus, our prebuilt integrations for popular shopping carts, APIs and online business platforms make setup a breeze.
Get started
Cut costs with stress-free surcharging
Offset the cost of accepting credit cards with our compliant surcharge program. You’ll earn 100% of your published price, giving you healthier margins and a competitive edge.
Get started
Take payments on the go
Keep your business running smoothly, whether you’re on the road, at a job site or hosting a pop-up event. With on-the-go credit card processing you can securely accept your customers’ favorite way to pay, anywhere. Order a new handheld point of sale (POS) or mobile card reader from us, or integrate our software with your existing mobile solution.
Ditch the hardware with virtual terminal
No card? No problem. With Heartland, you can still make the sale. Turn any device into a virtual terminal and securely process credit card payments through your POS system, computer, mobile device or tablet even when the card isn’t present. Best of all? There’s no credit card reader, shopping cart or third-party payment gateway required.
Automate your billing and invoicing
Put more time back in your day and money in your pocket with automated paperless billing and invoicing. From simplifying subscription payments with weekly, monthly or quarterly management options to sending customizable invoices via pay by link, text or email, we help your accounting team save time and make paying easier than ever for your customers.
Get your money in seconds, not days
Forget waiting several business days for a credit card transaction to reach your bank account. Get access to the money you’ve earned in a snap with instant, same-day or next-day deposits.* Say goodbye to cash flow delays and never worry about cutoff windows again with 365 funding, including weekends and holidays.
Access 900+ ecommerce integrations
Keep cashing in even when your customers are on their couch. We make it easy to accept online credit card payments with ecommerce functionality that integrates directly into your online store for a seamless customer experience that’ll turn browsers into buyers. Plus, our prebuilt integrations for popular shopping carts, APIs and online business platforms make setup a breeze.
Cut costs with stress-free surcharging
Keep pricing and margins competitive by recouping credit card processing costs from your customers at checkout through a surcharge fee. That means you’ll avoid card brand fines while keeping pricing and margins competitive.
Why choose Global Payments?
Accept all popular cards
Never miss another sale. Accept all the ways modern customers want to pay — credit card, debit card, digital wallet, ACH, online payments and more.
Fast and convenient
Customers expect a quick and easy checkout. From portable checkouts, over the phone payments or on your website, we've got you covered.
Secure processing
You can rest easy knowing your payments are protected with end-to-end encryption, fraud monitoring, tokenization and secure EMV® technology.
Insightful reporting
We connect you to the data you need to make more informed business decisions. Get daily reporting on sales, payment history and more.
Don't just take our word for it
“Global Payments has been so transparent, and it makes for a smooth and open and honest relationship, and we feel like it’s something that we can trust.”
Denise Tran
Bun Mee
“Global Payments is trustworthy, fast, reliable, and most of all offers everything you need!”
Jeff Jacobs
Carrol’s Creek
“The most impeccable thing about Global Payments has been just how easy it makes to process payments. The experience with Global Payments is wonderful.”
Rusty White
Wrong Iron
You'll be in good company
From iconic stadiums and enterprise chains to family-owned businesses, companies all over the country trust us with their payments.
Get more from every transaction with comprehensive payment solutions
Processing fees starting at 2.6%
Plus 10¢ for in-person transactions
Fair and transparent from the start