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PAYMENT SOLUTIONS
BACKED BY 25+ YEARS
OF MERCHANT ADVOCACY
PAYMENT SOLUTIONS BACKED BY 25+ YEARS OF MERCHANT ADVOCACY
"We bring clarity to payment processing"
With a proven track record of helping businesses find the right fit, we deliver straightforward, customized merchant services tailored to your unique needs. Backed by a powerful network of industry partners, we have access to every major tech solution in the payments space. Our focus is simple: educate, empower, and equip—so you get the right solution the first time, without the guesswork.
welcome to Billion Financial
Modern Finance, Personal Touch
At Billion Financial, we bring over 25 years of experience to the table to provide straightforward, customized merchant services. Our focus is simple: educate, empower, and equip you with the right solutions—without the guesswork.
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Welcome to Billion Financial Merchant Services Designed for Business Owners, Not Bankers
You built your business with hard work and smart decisions—your payment processing should reflect that.
Business Growth
Whether it’s selecting the right point-of-sale system or choosing a payment program that actually makes sense, we work with you to streamline costs and support growth.
Target Audience
No hype. No pressure. Just honest service backed by industry expertise.
Who You Are?
Family Owned Business
merchant services
education & transparency
Years in business
0
Custom Plans
0
top processors
0
expert advice
0
Payment Processing
POS Equipment & Integration
Surcharge Programs
Statement Reviews
Gateway Features
Credit card, Debit card and ACH payments
With our versatile payment options, you can keep your business growing. Acceptance on all major credit cards as well as debit and ACH payments for a low interchange rate will help maximize revenue while minimizing risk!
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Paytrace
Get paid faster with our dedicated merchant account merchants who use this service can expect up-to date payments immediately, as opposed to waiting two days for most other providers.
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Authorize.net
Online payment processing services deploying tools to manage recurring payments and fraud prevention through websites or mobile applications.
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CLOVER
Integration with your e-commerce platform is seamless and fast. You can take advantage of a wide variety stores without worrying about compatibility or security concerns!
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Quickbooks
With our versatile payment options, you can keep your business growing. Acceptance on all major credit cards as well as debit and ACH payments for a low interchange rate will help maximize revenue while minimizing risk!
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Seamless Shopping Cart Integration
Get paid faster with our dedicated merchant account merchants who use this service can expect up-to date payments immediately, as opposed to waiting two days for most other providers.
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Virtual Payment Processing
Online payment processing services deploying tools to manage recurring payments and fraud prevention through websites or mobile applications.
Contact Us
Retail P.O.S
Integration with your e-commerce platform is seamless and fast. You can take advantage of a wide variety stores without worrying about compatibility or security concerns!
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Virtual Payment Processing Solutions
Virtual payment processing allows consumers to pay for products or services electronically without physical contact. Credit and debit cards won’t be touching any terminal via swipe, dip, or tap to process payments.
Terminals
Terminals We Are Offering
Clover Flex
Handheld, all-in-one point-of-sale.
The Clover Flex is a portable POS device designed for mobility. It accepts all payment types—swipe, chip, and tap—and includes a built-in receipt printer, barcode scanner, and camera. Ideal for pay-at-the-table, curbside, or on-the-go transactions.
Perfect for mobile businesses, restaurants, and service providers.
Clover Mini
Compact countertop powerhouse.
The Clover Mini packs full POS functionality into a sleek, space-saving device. Accepts all major payment types and offers access to Clover’s full app market, inventory management, and reporting tools.
Great for small businesses needing robust features in a smaller footprint.
Clover Station Duo
Dual-screen system built for speed and scale.
The Clover Station Duo features a large merchant-facing screen and a separate customer-facing display for fast, efficient checkouts. Includes advanced inventory tools, employee management, and detailed reporting.
Ideal for busy retail environments, restaurants, or businesses with multiple employees.
🖥️ Exatouch POS System
Exatouch® POS – All-in-One Solution for Modern Businesses
Streamline operations with Exatouch by Electronic Payments—built for restaurants, retailers, and service providers.
Request a DEMO today.
✅ Complete Hardware Package
Touchscreen terminal, receipt printer, cash drawer, barcode scanner, EMV terminal & more.
✅ Powerful Software Tools
Manage inventory, staff, customers, and sales with ease.
✅ Flexible Payments
Supports EMV, contactless (Apple Pay, Google Pay), and swipes.
✅ Industry-Specific Features
Table mapping, kitchen display for restaurants, label printing for retail.
✅ 24/7 U.S.-Based Support
Real help, whenever you need it.
A Consultative Approach That Puts Your Business First
We take the time to understand your current setup—what’s working well, what could be improved, and where there may be untapped potential. From there, we present clear, tailored options designed to help you run more efficiently and keep more of what you earn.
We say what we mean, and we do what we say. That’s the foundation of our consultative approach—and it’s what sets us apart in an industry that too often does the opposite.
Chargeback Protection Program
Prevent and manage disputes, reducing the risk of revenue loss and safeguarding merchant accounts. With proactive monitoring and fraud prevention measures, companies can protect their transactions and maintain a healthy bottom line.
Protect Your Revenue
Safeguard your business from costly chargebacks and lost sales with comprehensive protection strategies.
Rates & Pricing
At Billion Financial, we believe merchants deserve clarity when it comes to payment processing. Below are the four primary pricing structures we offer—each tailored to fit different business models, transaction volumes, and customer behaviors.
Interchange Plus Program
Also known as Cost-Plus Pricing
This is the most transparent and widely used pricing model among experienced merchants. You pay the actual interchange fee set by the card networks (Visa, Mastercard, Discover, Amex), plus a fixed markup that covers the processor’s cost and profit.
BEST FOR
Medium-to-Large Sized Businesses
SaaS Platforms
Flat Rate Program
One rate, all cards, every time
This pricing model charges a fixed percentage for every credit or debit card transaction, regardless of the type of card or how it’s used (chip, swipe, online).
BENEFITS
Easy to understand
Simple setup
Small business friendly
Cash Discount Program
Encouraging cash, reducing card processing costs
This model allows you to offer a discount to customers who pay with cash, while pricing card transactions slightly higher to offset your processing fees.
Surcharge Program
Passing credit card fees to customers—legally and transparently
The surcharge model allows you to add a small fee (usually 1.5 – 4%) only to credit card transactions to cover the cost of processing. Debit card transactions must remain exempt by law.
WHY CHOOSE US?
Straight Talk. Smart Solutions. Service That Shows Up.
At Billion Financial, we take a consultative approach—starting with what you have, what you like, and what you’d change. Then we guide you through options that actually make sense for your business.
No pressure. No confusion. Just real solutions and reliable service.
- Integrity Over Everything Full transparency and no surprises. We say what we mean, and we do what we say.
- Client-Centered Solutions Every business is different. So is every plan we build.
- Education Before Execution We explain your options clearly—so you’re never in the dark.
- New Gen Technology & Old School Service Cutting-edge tools with the kind of support you can still shake hands on.
- Real Accountability One point of contact. No runaround. When you call, we answer.
OUR MISSION
Safeguard your business from costly chargebacks and lost sales with comprehensive protection strategies.To simplify payment processing through clear, customized solutions that help business owners grow, save, and thrive—We’re here to educate, empower, and support—without the guesswork.
Projects Done
5k+
Happy Clients
Happy Clients
1.2k+
Happy Clients
Experience Team
34+
Happy Clients
Winning Awards
18+
Happy Clients