Solutions
Payment Processing & Merchant Services Solutions
Optec does not sell a single product. We build a complete business payment solution around how your operation runs — whether you need in-store credit card terminals, a POS system, an online payment gateway, or integrated payments embedded into your software platform.
Payment Processing
The foundation of every merchant services relationship
Credit card processing with interchange-plus and flat-rate pricing structures and complete cost transparency. Accept credit cards, debit cards, contactless payments, and mobile wallets like Apple Pay and Google Pay. Next-day funding is standard. Same-day funding is available for qualifying merchants.
Key Features
POS Systems
Cloud-based point-of-sale systems for retail, healthcare, and service businesses
Full-featured POS systems configured for retail stores, healthcare providers, and service businesses. Inventory tracking, employee controls, customer profiles, appointment scheduling, and real-time reporting — all from a single cloud-based dashboard accessible from any location.
Key Features
Credit Card Terminals
Reliable hardware for every environment
Countertop, wireless, and mobile terminals from leading manufacturers. EMV chip, contactless NFC, and PIN debit support. We configure every device for your specific business workflow before shipping.
Key Features
Integrated Payments
Payment processing inside the software you already use
Integrated payments connect credit card processing directly into your existing POS system, ERP, invoicing software, or field service platform. Transactions happen inside your existing workflow — no duplicate entry, no switching between systems, no reconciliation headaches.
Key Features
Payment Gateways
Secure online payment gateway infrastructure
Payment gateway solutions for eCommerce stores, recurring billing, invoice payments, and custom checkout experiences. PCI-compliant tokenization, sub-second authorization, and 99.9% uptime backed by redundant infrastructure.
Key Features
Software + Payments
For ISVs and SaaS companies embedding integrated payments
Developer-friendly APIs and white-label payment gateway access for software platforms that want to embed payment processing. Revenue-share models, sandbox environments, and a dedicated integration team that understands developer workflows.
Key Features
Dual Pricing / Cash Discount
Offset or eliminate your credit card processing costs
Compliant dual pricing and cash discount programs that let your business pass credit card processing costs to card-paying customers. We handle program design, terminal configuration, in-store signage, and ongoing compliance monitoring so you stay compliant.
Key Features
Cost Consulting & Statement Analysis
Find out exactly what you should be paying
Send us your most recent processing statement. We break it down line by line — interchange fees, assessments, processor markups, equipment charges, and miscellaneous surcharges. If we can save you money, we show you exactly how much.
Key Features
Not Sure Which Solution Fits? We Will Help.
Tell us about your business. We will recommend the right combination of processing, hardware, and integrations — and show you what you should be paying.