Credit, Debit, and Check Processing - Reinvented with AI!

Traditional Rates: 99% of Processors charge 2.99% or more + fees.

Our Rates: Thanks to AI, we charge 0%-1.9% - all fees included.

Switch to smarter processing and save big, reduce chargebacks and let AI handle the backoffice. It's like another employee who never makes mistakes, doesn't need breaks and works for peanuts.

small business loans for restaurants

Revolutionizing Payment Processing with AI

Harnessing cutting-edge AI to slash costs, boost security, and turbocharge efficiency. Welcome to the future of payments - smarter, faster, and more secure than ever!

Personalized Offers

Personalized Offers

Our POS systems are designed to help you manage your business, from inventory to payroll, and everything in between.

Smart Updates

Automatically update subscriptions and offer additional products and services tailored to each client.

Personalized Offers
Personalized Offers

Predictive Analytics Powered by AI

Our AI analyzes historical data to predict future trends and behaviors, providing invaluable insights for smarter marketing strategies, precise credit risk assessment, and more informed decision-making.

AI-Driven
Operational Efficiency

Our AI streamlines backend processes like transaction processing, compliance checks, and reporting, leading to faster processing times and significantly reduced operational costs. Experience seamless operations with cutting-edge AI.

Personalized Offers
Personalized Offers

AI-Powered
Customer Service

Our AI virtual assistants deliver 24/7 customer support, efficiently handling common inquiries and issues. This boosts customer satisfaction and lightens the load on human agents. Experience superior service with AI.

AI Guidance

Our AI streamlines backend processes like transaction processing, compliance checks, and reporting, leading to faster processing times and significantly reduced operational costs. Experience seamless operations with cutting-edge AI.

Personalized Offers

A complete suite of payment processing solutions

Your personal AI companion assists customers online, answering questions and guiding them through the checkout process. This reduces abandoned carts and ensures a smoother shopping experience.

Point of Sale (POS) Services

Our POS systems are designed to help you manage your business, from inventory to payroll, and everything in between.

Direct Processing - No Middleman

We offer direct processing services, which means you get the best rates and the fastest service.

Mobile Phone Authorizations

Our mobile phone authorizations allow you to accept credit card payments from anywhere.

Secure Phone and Online Payments

Our secure phone and online payments allow you to accept credit card payments from anywhere.

Apple Pay and Android Pay

Our Apple Pay and Android Pay services allow you to accept payments from customers using their smartphones.

Pre-Authorization Approvals

Our pre-authorization approvals allow you to accept credit card payments from customers before they arrive at your business.

Continuous Technology Updates

Our continuous technology updates ensure that you always have the latest and greatest payment processing technology.

Hold Check Funding

Our hold check funding services allow you to accept checks as payment without worrying about bounced checks.

Digital Wallet Payments

Our digital wallet payments allow you to accept payments from customers using their smartphones.

Telemarketing Compliance

Our telemarketing compliance services ensure that you are always in compliance with telemarketing laws.

Secure Next-Day Funding

Our secure next-day funding services ensure that you always have access to your funds when you need them.

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Switch today at no cost. No inturruptions to your business.

Experience unmatched service and exclusive discounts, our commitment to earning and retaining your business. Whether managing large accounts with hundreds of users and terminals or single-location shops, we offer competitive processing fees that lower your costs while delivering superior service. We prioritize exceptional customer service, ensuring every account is managed with professionalism and complete satisfaction.

Most business owners don't know they are being overcharged. Are you?

Are relentless salespeople bombarding you with promises of the lowest credit card processing rates? After switching, do you find yourself feeling misled and disappointed?

Discover if you are being overcharged by your credit card processor with ease. Simply retrieve your latest processing statement, input your total monthly sales and total fees into our calculator, and uncover your true costs in just a few clicks.

Your Current Credit Card Rate Percentage is:

Google 4.8 star rating
Trustpilot 4.6 star rating

First Union Lending LLC is a dually licensed Lender/Broker with its main offices located at 4900 Millenia Blvd First Floor Orlando, FL 32839. First Union Lending LLC and its ads are meant for continental United States, including Alaska and Hawaii small business owners. Business Loans offered by First Union Lending LLC have varying rates and terms that can range from 30 - 120 payments and all rates and terms are based on eligibility of the business and its owners. The actual terms are based on credit, business history, industry, amount and terms. As an example, a $5,000 loan paid over 5 years at 8% would have a total repayment of $6,082.92 over the life of the loan. We use the latest encryption to protect sensitive information transmitted online, as well as run our own secure server network to ensure your information is protected offline as well. California loans made pursuant to the California Financing Law, Division 9 (commencing with Section 22000) of the Finance Code. All such loans made through VBJ Consulting, LLC, a licensed finance lender/broker, California Financing Law License No. CFL#60DBO78163

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