XcellPay looks at what you're really paying to accept cards, explains it in plain English, and helps you move to a payment setup that fits how you sell, in store, on the go, or online.
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Card payments are how your customers want to pay. But for many owners, the cost of accepting them keeps creeping up, and the statement doesn't make it easy to see why.
New line items, rate changes and monthly charges add up slowly, so they rarely get a second look.
Pages of codes and abbreviations make it hard to know your true effective rate or what you're paying for.
Equipment, software and contracts picked years ago may not match how you sell today.
Start with processing, then add only the tools that make your checkout and back office run better.
Accept credit and debit cards in person, by phone, by invoice and online, with clear deposits you can reconcile.
Ways to offset some of your card-acceptance cost, set up to follow the rules that apply to your business.
Point-of-sale setups for restaurants and retail, matched to your menu or catalog, staff and reporting needs.
Countertop, wireless and mobile card readers for the counter, the table, the truck or the job site.
Get paid on your website, through emailed invoices or over the phone with a virtual terminal.
Tools that help protect your revenue and connect payments to the software you already use.
Availability, eligibility, pricing and equipment are confirmed in a written proposal before you sign anything.
You stay on your current processor until your new setup is approved, installed and tested.
Share a recent processing statement and tell us how you take payments today. We review it and walk you through what you're paying.
We recommend a setup that fits your business and put every rate, fee, equipment cost and contract term in writing.
Once you approve, we help set up, test and train your team, so the move is smooth and your sales keep flowing.
From a single counter to multiple locations, if card fees are a real line on your P&L, XcellPay is built for you.
Send us your latest processing statement and we'll show you what you could save.
Please black out full account numbers and never send card numbers, passwords or Social Security numbers. Results depend on your business and final written terms; savings aren't guaranteed.
Business funding options from our sister service, designed to keep your business in the black. Funding is subject to application, approval and the provider's terms.
No honest provider can promise that before seeing your numbers. What we can do is review your statement, show you exactly where your money goes, and lay out options in writing so you can decide whether a change makes sense.
A recent monthly processing statement and a quick overview of how you take payments (in store, online, by phone). Black out full account numbers first, and never send card data or passwords.
Dual pricing shows customers two prices, one for cash and one for card. A cash discount takes money off your regular price when someone pays cash. A surcharge adds a clearly disclosed fee to eligible credit card payments. Each has its own rules, and surcharges generally can't be applied to debit cards, so we'll help you understand what fits your business and location.
It shouldn't. Keep your current account open until your new setup is approved, installed and tested. We'll help plan the changeover and train your staff so checkout keeps moving.
Sometimes. It depends on the device, the software and who owns it. We'll check compatibility during your review and tell you plainly whether new equipment is needed.
No. XcellPay is a Lead Wize Solutions service, and we work with businesses everywhere.
Find out what your processing really costs, and what a better-fit setup could look like. It starts with a free statement analysis.