Payments, point of sale, IT and the back office — one company, one contract, and U.S. support that picks up at 3 a.m. Your quote is built from the statement you already receive, not from a brochure.
Processing, point of sale, and a developer-ready gateway — from a single café to a wholesaler running NetSuite.
Smart POS, e-commerce and mobile gateways, virtual terminals, cashless ATM and ACH. Four pricing models across three families, so the cost structure fits the business.
Explore ProcessingZero-cost POS options for restaurants, retail, salons and service businesses — with custom menu programming, white-glove installation and 24/7 U.S.-based support.
Book a Discovery CallThe Payco-owned payment gateway: PCI-compliant tokenization, EMV-certified transactions, and a full developer API for SaaS, mobile, and enterprise integrations. Login, tokenization docs, and v2 API — built for builders.
Explore Payco SecureSix services that each stand on their own — integrated when you need them, invisible when you don't.
Premier ADP partnership: payroll, timekeeping, workers' comp, retirement, health insurance — with a dedicated Payco rep.
Capital for expansion, equipment, inventory, seasonal swings and partner buyouts.
Enterprise-grade phone solutions for call centers, hospitals (HIPAA), law firms, security, and corporate teams — with CRM/ERP integration.
We ping your address, list the carriers that actually reach it, and grade what you have now.
Wireless plans, fleet tracking, device management and field-team data across every major carrier.
POS, ERP, CRM, accounting, payroll, scheduling, inventory and ordering, wired into one system.
Three ways to price processing. Three IT packages, rates published. Everything else comes after we read your current statement.
Cost-plus. The network's rate and our margin bill as separate lines, so you can see which is which.
The card fee moves to the customer, and your monthly processing bill goes to about nothing.
One fixed cost per transaction. Easiest to budget against when you need the number to hold.
Dual Pricing and Surcharge are the same family, run two ways — we set up whichever your state and your counter actually allow.
Bigger than Package C? Augmented CTOs and CIOs, drawn from 5,000+ IT professionals nationwide, scoped to what you actually run. Ask for a custom package.
Real racks, real closets, real cable. Photographed the day we finished.
Tangled, mislabeled cabling rebuilt into a documented, color-coded rack.
Shelf hardware re-mounted and consolidated onto a single managed wall.
Unfinished utility space turned into a ventilated, expandable network closet.
Full POS rollout with menu programming and staff training — no service lost.
Standardized, labeled cabling across a multi-site retailer — support calls down.
One POS install or a multi-site overhaul — 5,000+ IT professionals nationwide.
Start a ProjectStatement analysis to go-live to the referral that follows it.
Send a recent statement and what you run. We optimize from there.
We read it together. Learn the business first, recommend second.
Voided check or bank letter, Tax ID, business details. We prepare it for signature.
Hardware delivered, system configured, your team trained until it sticks.
24/7 U.S.-based support and free terminal replacements every 36 months.
Cash rewards when a business you refer starts processing with Payco.
Three programs to join — and, underneath them, the one that asks nothing of you but an introduction.
Preferential pricing for CPA clients, revenue-sharing for banks, white-label support, and API integrations for software partners.
Join Alliance ProgramLifetime vested residuals, top-tier training, and compensation built around how you actually sell.
Become an AgentProcessing residuals, SaaS fees, installation, hardware, VoIP and internet — added to accounts you already own.
Join Dealer ProgramMost of our new clients arrive this way. You make the introduction, we do the work, and you earn a cash reward once they start processing.
Payco was founded by people who were tired of watching an industry bury its costs in the fine print. Nine promises, and we would rather be held to them than described.
Our clients are our advocates. They stay for the service, not the contract.
Free terminal replacements every 36 months. Up to 2 terminals per MID.
If something breaks, we own it. No passing blame between vendors.
In-house fintech legal. You may have more options than you were told.
Veterans playing a long game, not a fee game.
If we can't fix it remotely, a technician comes to your location.
Fast, precise, and reliably pleasant about it.
Consulting and legal cut through the fine print before you sign it.
We keep you ahead of the regulations, technologies and market changes that affect you.
Twenty-five years of this, written down. Read our story.
A discovery call, then a dedicated Project Manager for the rest of it: menu consultation, go-live date, rollout plan, training, integrations. Ready on day one.
Not data entry — a working session on how orders move from the counter to the kitchen. Led by people who have run restaurants, aimed at the errors that cost you money.
Your POS connected to payroll, scheduling, inventory, bar management and online ordering. No duplicate entry, no wall of tablets — clock-ins, orders and stock counts all land in one place.
Because a frozen tablet is a payments problem by dinner service. Internet, phones, hardware and updates — before go-live and every day after it, with 24/7 U.S.-based support on the same phone number.
Usually, yes. Payco's POS runs on most existing hardware and talks to the restaurant software already in use — so the switch costs you downtime, not equipment.
Security is non-negotiable. Payco's POS systems use advanced encryption, strict PCI compliance, and layered security protocols to safeguard every transaction. Both your business and your guests can trust that sensitive payment data is fully protected.
Send a recent statement. We'll show you what you're paying for elsewhere — line by line.
