The five things we run
Business Suite →
Payroll and HR through ADP, lending through Lendio, VoIP, internet, mobility and 2,000+ integrations.
IT Solutions →
Managed IT from $250 a month — support, networking, cameras, phones and the cabling behind them.
Payco Secure →
The gateway layer: card tokenization, a documented v2 developer API, and the merchant portal.
Payment Processing →
Interchange Plus, Dual Pricing, Surcharge and Flat Rate — priced from your own statement, never a teaser rate.
Point of Sale →
Genius, Clover, Square, OrderCounter and SpotOn, programmed before they ship and installed by a technician.
Hardware →
Every device we carry, list-priced, with free-placement programs applied where they qualify.
The core service loop
AI statement analysis
Upload your current statement; the engine extracts processor, fees, volume, effective rate, and equipment — and shows the real opportunity, not a teaser rate.
Enter-once onboarding
Every question asked exactly once. The engine recommends acceptance methods, prices the deal, and captures a single consent signature that carries through underwriting.
Install & training
Equipment programmed before it ships. Installation self-scheduled around your hours. Training done before we mark you live — certified handoffs, never a box in the mail.
Dedicated support
No 1-800 roulette. The team that onboarded you supports you, with your full history on screen the moment you call.
The business suite
The things every business buys anyway — payroll, phones, internet, capital, IT — quoted against the same record as your payments, by the same team, on one invoice thread.
Integrations
POS, ERP, CRM and accounting platforms, with workflow automation and unified reporting that removes the manual re-keying between systems that nobody budgets for and everybody pays.
Internet & Mobility
Connectivity built for card-present uptime, with speed optimization and cost analysis against 43+ carrier contracts — so a location gets re-quoted rather than renewed by default, and failover exists before a terminal goes dead.
Lending & Capital
Access to 80+ banks and lenders across three categories: expansion and acquisitions, operations and equipment, and inventory and seasonal needs. A specialist runs it as a white-glove process, grounded in processing history we can actually see.
Managed IT
Unlimited remote support on every package, a 5,000+ technician network for same-region on-site response, and custom packages up to augmented CTO and CIO cover for multi-site footprints.
Payroll & HR
Payroll, timekeeping, workers compensation, insurance, retirement, health insurance and R&D tax credits — delivered through the ADP partnership and connected to the same record as your payments.
VoIP & Phones
Business phone systems with routing, queue management, CRM and ERP integration and encryption — for call centers, offices, clinics, law firms and field teams. Installed alongside your POS on one visit.
The clock we run on
Every application state carries a published commitment. These are not aspirations written for this page — they are the same thresholds the operations board uses to turn a file amber and then red, so a missed one is visible to the people who have to answer for it.
| Stage | What we commit to | Within |
|---|---|---|
| Submitted | First review of your file | 1 business day |
| Missing documents | Follow-up on anything outstanding | 3 days |
| Underwriting | A decision, not a status update | 48 hours |
| On hold | Held files worked and moved | 5 days |
| Approved | MID created | 1 day from approval |
| MID created | Installation scheduled | 3 days |
| Scheduled | Installation completed | The booked week |
Check my application status → — the same stage names, against your own file.
What “one relationship” changes
| The usual arrangement | Payco | |
|---|---|---|
| Your information | Re-typed for sales, underwriting, install and support | Entered once, carried through by one record |
| Pricing | A teaser rate quoted before anyone reads your statement | Priced from your own statement, with the effective rate shown |
| Equipment | A box in the mail and a PDF | Programmed before it ships, installed by a technician |
| Go-live | The day the hardware arrives | A certified handoff after training, not before |
| Support | A 1-800 queue that has never seen your file | The team that onboarded you, with your history on screen |
| Timelines | Whatever it takes | A published commitment per stage, measured internally |
| Everything else | Four vendors, four invoices, four support numbers | Payroll, phones, internet, capital and IT on the same thread |
When something breaks
1-888-908-2638
Support is staffed around the clock for live merchants. Card-present downtime is not a next-business-day problem and is not queued as one.
A technician, not a shipping label
The 5,000+ professional network is what makes same-region dispatch a schedule rather than a promise. On-site hours are included on Package C and quoted per hour otherwise.
Your file, on your own time
Application stage, documents, statements and equipment all live in the merchant portal — so “where are we?” does not require a phone call to answer.
Common questions
What does the free statement analysis actually do?
You upload your current processing statement and the engine extracts the processor, the fee lines, monthly volume, your true effective rate and the equipment on the account. What comes back is a comparison against your own numbers rather than a teaser rate — including the case where staying put is the right answer.
How long does it take to get running?
Discovery questions are answered once and carry through underwriting on a single consent signature. Every stage after that carries a published commitment: first review within one business day, an underwriting decision within 48 hours, a MID within a day of approval, installation scheduled within three days and completed in the booked week.
Do I have to buy all of this together?
No. Processing, POS, the business suite and managed IT are bought separately and priced separately. The reason they sit on one page is that they sit on one record — so adding phones later does not mean re-establishing who you are with a new vendor.
Who supports me after I go live?
The team that onboarded you, with your full history on screen. Support is staffed around the clock on 1-888-908-2638, and on-site dispatch runs through a network of 5,000+ IT professionals for problems that cannot be fixed remotely.
Who are Payco's sponsor banks?
Payco is a registered MSP/ISO of Elavon Inc., Georgia, a wholly owned subsidiary of U.S. Bancorp, Minneapolis, MN, and a registered Independent Sales Organization of Wells Fargo Bank, N.A., Concord, CA.
Fifteen minutes to a real proposal.
Upload a statement, answer the discovery questions once, and get a migration plan with honest math — no re-typing anything, ever.
Start in fifteen minutes