Setting up a payment terminal should be as easy as “plug and play” and an eCommerce solution shouldn’t take more than a few minutes.

Your focus should always remain on your business operations and sales opportunities, and more importantly, your workday should not be interrupted.

There is a myth that being able to accept digital payments needs to be a complex, lengthy project. But most payment processors can get you approved for a merchant account in under 2 business days and get your equipment shipped to you in under 2 business days.

That being said, a POS system might need more time to set up. Menu builds and training on the software can be time-consuming for you and your employees. Here at Welkin Payments, we treat these cases with a white-glove service. We understand the apprehension of your staff and your managers when a new system is installed. This is why we have a 24/7 customer service team to answer and assist with any questions or concerns, but above all, you will have a concierge team that will be in person in your business to install your POS system.

Getting the hang of new technology can be a bit of a learning curve, so a good payment processor should give you all the necessary resources and even assign you an implementation specialist just for your business, to ensure your experience is hassle-free and seamless.

We are a full service provider, we have all the methods and ways for your business to accept payments. We specialized in contactless debit/credit card transactions, Apple Pay and Google Pay, PayPal and Venmo.

Most providers offer debit and credit machines that accept contactless NFC tap payments, EMV chip dip payments, mobile wallet payments such as Apple Pay Sangsung Pay and much more.

Please visit our website at: Welkins Payments to see our different hardware and software we offer.

And are there different rates or fees associated with different card types?

Some payment providers charge different fees and rates to process different types of credit cards (basic, business, and rewards), as well as different fees and rates depending on the way the payment was accepted and the industry your business is in.

It’s important to know exactly what you’ll be paying to process each type of transaction and to understand your bill.

We offer the 5 following pricing models:

1. Interchange Plus
2. Flat Rate
3. Tier Pricing
4. Surcharge
5. Cash Discount/Dual Pricing

For more information on our 5 different pricing models, please send us a message here: (place the Let’s Talk link here from the main page)

If you do not want to get lost in the world of processing fees and interchange rates and you want to know exactly how much your business owes each month on your payments bill, then your best option is to choose a provider with flat rate price model. One low flat rate no matter the card type, and no matter the payment method, or the type of industry your business is in.

This makes for simple accounting and reporting each month. You should choose a processor that is flexible in their pricing options and will accommodate your business and personal needs.

Welkin Payments prefers the model of month-to-month service contract. This means that if you want to cancel your service you can at any given time. We want you to stay with us because you see the value and the benefit we bring to your business. We do not want to impose a contract of a service of product you feel “stuck” with. We want to be a valuable partner for your business, and not an expensive service provider that you feel you cannot get rid of.

However, if you want us to commit to a pricing offer or a service for a longer period, we can draft according to your needs and expectations. Our longest contract is for 48 months. You will always have the option to cancel the contract at any time without any penalties or cancellation fees.

If you have one of our free terminals or POS systems, we will ask you to return them or you can purchase them from us at the lowest cost possible upon cancellation of services.

Be wary of longer contracts or merchant service providers that do not abide by the Code of Conduct. The best type of provider is one that will lay everything on the line and be fully transparent in their costs and opportunities to cancel.

If a new processor says they will cover the cost of your cancellation fee if you switch, be extremely suspicious as there is never a free ride. This processor will likely recoup those costs by charging large setup fees, higher than normal rates, hidden fees, and unnecessary charges on your bill.

Welkin Payments offer next day deposit. We also offer early deposits for qualified merchants under our same hour settlement batching program; unlike other providers we will not charge extra fees for this service.

If your provider does not offer you next day deposits, you should look elsewhere. You worked hard for your money and the last thing you need is an accounting nightmare tracking down your settlements due to funding delays.

We offer payment terminals that automatically settle at the end of every night, other terminals require manually settling your terminals every day. We have 24/7 customer service that will assist you with any batching, deposits needs for your business.

Accepting EMV (Europay, Mastercard, Visa, better known as chip card) can vastly reduce card-present fraud due to its numerous security features such as pin entry.

If you have an e-commerce site, card-not-present fraud prevention tools such as mandatory entry of card expiry date, AVS (Address Verification System) and CVV or CID (Card Verification Value or Identification Number) are highly important as they verify the owner and possessor of the credit card being used. Our software also provides the 2-factor verification process in which a code is sent to the phone number in the ecommerce transaction information to verify that indeed the individual wants to process the transaction and purchase the item from the website or mobile application.

These are security standards in payment processing. If your provider wants to charge you more fees for these services or does not offer them, you should go elsewhere.

Your merchant service provider should be your fraud prevention guru. They should customize any added security features based on your business’s needs and risks.

Features such as IP velocity filters or IP country blocks that limit what countries can make purchases or how many times one can make a purchase on your site.

Yes, Welkin Payments has a team that specializes in PCI Compliance. PCI (Payment Card Industry) Standards ensure your business accepts processes, stores, or transmits cardholder data in a secure environment.

This helps your business prevent all types of fraud and theft, both in-person and online.

PCI Compliance is as simple as following a checklist and answering a questionnaire annually. Some other requirements can be more complex and tedious to acchieve. But rest assure that our award winning team will help you with this need to avoid unnecessary fees and more importantly to prevent any fraud in your payment program with us.

Some payment processors are notorious for charging a PCI Compliance fee per month and not helping your business in actually becoming PCI Compliant. Then when your business fails its annual assessment, they charge you a non-compliance fee per month.

Payment processors like us help ensure your business is PCI Compliant up to $100,000 per incident by walking you through the questionnaire and fulfilling the checklist and doing so at no extra cost to your business.

You want to make sure you have support no matter what time of day it is. If something goes wrong, any interruption to your business can cost you a loss of revenue and a loss of time troubleshooting the problem.

We offer 24/7 phone, email and live chat support and has a reputation for solving technical issues efficiently and quickly. Please click here to contact us.

Welkin Payments has a very nice comprehensive program offering $0.00 processing and $0.00 software and hardware fees.

Please contact us here so we can explain this program in detail and show the steps to follow to obtain a free quote and a decision for free software, hardware and processing fees. Get Started