Solutions
Payment Processing
The foundation of every merchant services relationship. Credit card processing with complete cost transparency, next-day funding, and no long-term contracts.
What You Get
Every Optec merchant account includes these features as standard — no add-on fees.
Interchange-Plus Pricing
Complete cost transparency with interchange-plus pricing. See the actual interchange rate on every transaction plus our fixed markup — no bundled rates, no hidden fees.
Next-Day Funding
Standard next-day funding on all approved transactions. Same-day funding available for qualifying merchants who need faster access to their revenue.
All Payment Methods
Accept Visa, Mastercard, American Express, Discover, contactless payments, Apple Pay, Google Pay, Samsung Pay, and all major digital wallets.
PCI Compliance Included
PCI DSS Level 1 compliant processing with 256-bit encryption, tokenization, and fraud monitoring tools included at no additional charge.
No Contracts
Month-to-month processing agreements. No early termination fees, no annual fees, no cancellation penalties. Stay because we earn your business.
Chargeback Protection
Built-in chargeback alerts, dispute management tools, and prevention strategies to protect your revenue and keep your chargeback ratio low.
Pricing Models
We offer multiple pricing structures and recommend the one that saves you the most money based on your transaction volume and card mix.
Interchange-Plus
Best for most businesses. You pay the actual interchange rate set by the card networks plus a fixed, transparent markup from Optec.
Flat Rate
One simple rate for all transactions regardless of card type. Predictable monthly costs with no surprises on your statement.
Tiered Pricing
Transactions grouped into qualified, mid-qualified, and non-qualified tiers. We can analyze your current tiered pricing to find savings.
Dual Pricing / Cash Discount
Pass credit card processing fees to card-paying customers. Your effective processing cost drops to near zero.
Payment Processing by Industry
Compare Optec to Other Processors
Find Out What You Should Be Paying
Send us your most recent processing statement. We will deliver a line-by-line cost comparison within 24 hours — no obligation.
Request a Free Rate Analysis