About Us
About Optec Payments — Transparent Merchant Services
Optec Payments was founded on a simple premise: businesses deserve a payment processing partner that is transparent about pricing, serious about support, and built to grow with them — from a single location to a multi-site enterprise.
Our Story
Built for Merchants Who Deserve Better
Optec Payments started because we saw what most payment processors were doing to small and mid-size businesses — hidden fees buried in processing statements, call centers with no real accountability, and pricing models designed to confuse rather than compete.
We built Optec to be different. Every merchant gets transparent interchange-plus and dual pricing, a named account manager, and the freedom to leave at any time — no long-term contracts, no early termination fees. Our team brings deep experience across the payments industry — from single-location medical practices to multi-location retail chains and software companies embedding integrated payments into their platforms.
Today, Optec processes more than $2 billion in annual volume across healthcare providers, retail stores, service businesses, and multi-location enterprises. We work with independent agents, bank referral networks, and software companies that want to monetize payment processing. But no matter how much we grow, the commitment stays the same: every merchant matters.
3,000+
Active Merchants
$2B+
Annual Volume
~5hrs
Avg. Onboarding
50+
States Served
What We Stand For
Core Principles
These are not slogans on a wall. They drive how we price, how we support, and how we build relationships with merchants and partners.
Radical Pricing Transparency
Interchange-plus with zero hidden markups. We show you exactly what the card brands charge and what our fee is — on every transaction, every month.
No Contracts, No Traps
Month-to-month agreements with no early termination fees. We keep your business by earning it, not by locking you into a three-year contract.
Human-First Support
Every merchant gets a named account manager and a direct phone number. Our U.S.-based support team resolves issues in an average of 3 minutes.
Speed at Every Step
Most merchants are approved and processing within 48 hours. Next-day funding is standard. Same-day options are available.
Custom-Fit, Not One-Size
We evaluate your business model, transaction patterns, and technology stack — then build a payments setup that fits, not a generic package off the shelf.
Growth-Oriented Partnership
We are not just a processor. We consult on pricing strategy, recommend technology upgrades, and help you scale your payments infrastructure as your business grows.
Our Leadership
Mitchell Fleming
Founder & CEO, OptecPay
The merchant services industry has a problem — agents are treated like order takers. They're handed a rate sheet, a generic terminal, and told to go sell. No tools, no intelligence, no autonomy.
OptecPay exists to flip that. I built this platform because agents deserve technology that works as hard as they do. From the first impression to a fully deployed merchant, every step runs through a single system designed around the way agents actually work — not the way processors think they should.
The platform uses a proprietary MCC intelligence engine covering 310 merchant category codes to match businesses with the right processing lane, the right equipment, and the right pricing automatically. Agents get smart recommendations backed by real data — processor cost breakdowns, interchange estimates, revenue share projections, residual calculations — all transparent, all in real time. But recommendations are just that. Agents always have full override authority to build custom solutions from the entire equipment catalog across our WorldPay, TSYS, and Fiserv processor relationships.
From a full 11-stage deal pipeline with lead scoring and AI-powered deal insights, to automated underwriting workflows, document management, and merchant onboarding — Optec gives independent agents the same firepower that billion-dollar ISOs keep behind closed doors.
This isn't a CRM with a payment form bolted on. This is the operating system for the modern merchant services agent.
Robert Finnila III
Chief Sales Officer, OptecPay
Robert Finnila III doesn't teach sales theory — he teaches what works in the field, because he's still in it. With multiple months exceeding 15 closed deals through pure door-to-door hustle, Robert leads Optec's sales organization the only way that earns respect in this business: from the front.
Before merchant services, Robert was the top-producing agent out of thousands in the insurance industry. He brought that same relentless closing ability into payments, where he developed deep expertise in high-risk verticals — the accounts most agents walk away from and most ISOs won't touch. That knowledge is now baked directly into how Optec supports its agents.
As CSO, Robert's role goes beyond strategy decks and pipeline reviews. He flies out to work alongside agents in the field, trains new sales teams on how to open doors and close deals face-to-face, and personally steps in on complex, high-value opportunities to help agents get them across the finish line. When a sales leader in the Optec network is working a large deal and needs backup, Robert shows up.
His philosophy is simple — give agents the skills, the tools, and the backup to close confidently on their own. Optec's platform handles the technology. Robert makes sure the people using it know how to win.
Who We Work With
Merchants, Software Companies, and Partners
Merchants & Business Owners
Single-location shops, multi-site operations, franchises, and high-volume businesses. If you accept payments, we can reduce your costs and improve your setup.
Get a Rate AnalysisSoftware & SaaS Companies
ISVs and platforms that want to embed payments into their product. Developer APIs, white-label options, revenue-share models, and a dedicated integration team.
Explore IntegrationsAgents & Referral Partners
Independent agents, ISO partners, bank referral programs, and trade associations. Competitive splits, portfolio tools, and a partner support team that helps you close.
View Partner ProgramReady to Work With a Processor That Puts You First?
Send us your current processing statement. We will break it down line by line and show you exactly where you can save.