Confusing Fees & High Costs
Unclear charges that quietly eat away at your profits.
The Most Common
Payment Pitfalls - & How
We Help You Avoid Them
From hidden costs to payment systems that don’t fit, we solve the challenges that frustrate business owners every day — with clear, flexible merchant services that work for you.
Challenge 01
Challenge 02
Misleading Contracts
Locked into long-term agreements with hidden penalties and no way out.
Challenge 03
Poor Customer Support
When issues come up, you’re left waiting – with no real help, answers, or resolution.
Challenge 04
One-Size-Fits-All Payment Solutions
Generic systems that don’t fit your business — causing headaches with your software, checkout, or reporting.
Solution 01
Clear, Transparent
Pricing
We break down every fee so you know exactly what you’re paying for — & why. No surprises, no hidden costs. Plus, we leverage our network of acquiring banks to secure the most competitive credit card processing rates for your business.
Solution 02
No-Strings Merchant Contracts
Our agreements are designed to protect you — not trap you. No long-term commitments, just honest, flexible merchant services that work for your business today and as you grow.
Solution 03
White Glove Merchant Services & Support
We don’t just set you up and disappear. Our white glove service means hands-on support whenever you need it. Plus, we teach you how payment processing works, so you stay in control of your merchant account, avoid costly mistakes, & make smarter decisions for your business.
Solution 04
Customized, Flexible
Payment Solutions
Your business is unique. Your payments should be too. We provide tech-agnostic, fully integrated payment solutions that work seamlessly with your software, POS systems, eCommerce platforms, and accounting tools — so your operations run smoothly, not the other way around.
Challenge 01
Confusing Fees & High Costs
Unclear charges that quietly eat away at your profits.
Solution 01
Clear, Transparent Pricing
We break down every fee so you know exactly what you’re paying for — & why. No surprises, no hidden costs. Plus, we leverage our network of acquiring banks to secure the most competitive credit card processing rates for your business.
Challenge 02
Misleading Contracts
Locked into long-term agreements with hidden penalties and no way out.
Solution 02
No-Strings Merchant Contracts
Our agreements are designed to protect you — not trap you. No long-term commitments, just honest, flexible merchant services that work for your business today and as you grow.
Challenge 03
Poor Customer Support
When issues come up, you’re left waiting – with no real help, answers, or resolution.
Solution 03
White Glove Merchant Services & Support
We don’t just set you up and disappear. Our white glove service means hands-on support whenever you need it. Plus, we teach you how payment processing works, so you stay in control of your merchant account, avoid costly mistakes, & make smarter decisions for your business.
Challenge 04
One-Size-Fits-All Payment Solutions
Generic systems that don’t fit your business — causing headaches with your software, checkout, or reporting.
Solution 04
Customized, Flexible Payment Solutions
Your business is unique. Your payments should be too. We provide tech-agnostic, fully integrated payment solutions that work seamlessly with your software, POS systems, eCommerce platforms, and accounting tools — so your operations run smoothly, not the other way around.
What Makes Us Unique
Success Stories
Discover how expert payment guidance created measurable growth for real businesses.
Strive Pharmacy
Plutos Payments has made a remarkable difference for our business. As we’ve expanded multiple pharmacy locations across the US, they've guided us through the complex world of payment processing — consolidating all of our accounts, enabling HSA/FSA acceptance, and improving our overall transaction approval rates. Their responsiveness is unmatched, and the long term six- to seven-figure cost savings on fees significantly enhances our financial performance. We're genuinely grateful to have a true partner who understands our business and is fully invested in our success.
Gideons International
Partnering with Plutos Payments has been a game changer for us. Rather than juggling multiple providers for card and ACH processing, we now have one trusted point of contact for everything payments-related. The service has been exceptional — consistently responsive, knowledgeable, and proactive. We're truly grateful to have a partner who is transparent, dependable, and clearly committed to our best interests.
Lumen Select Insurance
We were facing major challenges with our previous payment processor, including reserve holds due to account limits. Plutos Payments stepped in and got us a new merchant account set up within days. The process was fast, smooth, and exactly what we needed to get back on track. We're grateful for the professionalism, urgency, and support — it’s rare to find a partner this responsive and dependable.
Strive Pharmacy
Plutos Payments has made a remarkable difference for our business. As we’ve expanded multiple pharmacy locations across the US, they've guided us through the complex world of payment processing — consolidating all of our accounts, enabling HSA/FSA acceptance, and improving our overall transaction approval rates. Their responsiveness is unmatched, and the long term six- to seven-figure cost savings on fees significantly enhances our financial performance. We're genuinely grateful to have a true partner who understands our business and is fully invested in our success.
Gideons International
Partnering with Plutos Payments has been a game changer for us. Rather than juggling multiple providers for card and ACH processing, we now have one trusted point of contact for everything payments-related. The service has been exceptional — consistently responsive, knowledgeable, and proactive. We're truly grateful to have a partner who is transparent, dependable, and clearly committed to our best interests.
Lumen Select Insurance
We were facing major challenges with our previous payment processor, including reserve holds due to account limits. Plutos Payments stepped in and got us a new merchant account set up within days. The process was fast, smooth, and exactly what we needed to get back on track. We're grateful for the professionalism, urgency, and support — it’s rare to find a partner this responsive and dependable.
Working With Us Is Easy
Because That’s How It Should Be
Switching your merchant provider doesn’t have to be complicated. We guide you through every step and handle the heavy lifting so you can focus on your business.
Our
Process
01
Discovery Call
We start with a quick, no-pressure call to learn about your business model, tech stack, payment pain points, and what you want to achieve with your payment processing.
02
Statement Analysis
Next, we review your current processing statement to see if your pricing is competitive and whether switching providers could offer meaningful benefits or savings.
03
Application & Documentation
When you’re ready, we help you fill out the application and gather any business documents needed for underwriting — we keep this part simple and straightforward.
04
Seamless Tech Connection
In most cases, we keep your existing setup in place and simply update the merchant credentials in the payment gateway you’re already using. No headaches, no disruptions – just a smooth transition.
Industries We Serve
Retail & E-Commerce
From brick-and-mortar stores to online shops, we help businesses streamline credit card processing, reduce payment fees, and create faster, smoother checkout experiences for customers.
Healthcare & Medical Services
We provide secure, compliant payment solutions for clinics, medical practices, and telehealth providers — simplifying patient billing and integrating with your healthcare management systems.
SaaS & Subscription-Based Businesses
We set up recurring billing systems, manage customer payment methods, and deliver scalable merchant services for software providers and subscription businesses.
High-Risk Industries
We specialize in payment processing for regulated sectors like CBD, adult entertainment, gaming, and firearms — helping you stay compliant while keeping costs under control.
Entertainment & Recreation
Payment solutions built for event ticketing, theme parks, sports clubs, and more — designed to enhance customer experience and simplify your operations.
Professional Services
For law firms, consultants, and other service providers, we offer invoicing, recurring billing, and secure credit card processing that fits the way you work.
Nonprofits & Charities
We help nonprofits and charities accept donations online and in person — with transparent fund management that builds donor trust.
Restaurants & Hospitality
We deliver custom POS systems, tip management, and efficient payment workflows that help restaurants, cafes, and hotels serve customers faster and better.
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Integrations That Just Work
No Headaches,
No Workarounds
Your payment solutions should fit your business-- not force you to change how you work. That's why we make it easy to plug payments into the platforms you already use.
Integrations
E-commerce Platforms
Seamless integration with your online store for optimized checkout and fraud prevention.
Accounting & Invoicing
Synchronize transactions and automate financial reporting for smoother operations.
CRMs & ERP’s
Enhance customer journey tracking and align payment data with sales pipelines.
Mobile & On-the-Go Payments
Enable frictionless tap-to-pay options across devices and customer touchpoints.
Plutos Payments
About
We started Plutos Payments to fix what’s broken in the payments world. Too many businesses get locked into long-term contracts, hit with confusing fees, and stuck with payment systems that don’t fit their needs or integrate with their tools. We believe you deserve better. That’s why we deliver clear, custom merchant services — with no hidden costs, no one-size-fits-all solutions, and no pressure. Just payment processing that fits your business and helps it grow.
100+
Industries Served
2 M+
Transactions
Processed Annually
Processed Annually
$
1 B+
In Sales Processed
Millions
Saved in Processing Fees
For Our Clients
For Our Clients