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From analysis to install to answer-the-phone

One team. One thread. Full context.

Traditional processors scatter you across departments. At Payco the people who priced your deal, installed your system, and answer your calls share one continuous record.

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2,000+Platform integrations
5,000+IT professionals
80+Banks & lenders
43+Internet carriers
24Devices in the catalog

The five things we run

The core service loop

Step 1

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.

Step 2

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.

Step 3

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.

Step 4

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.

2,000+

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.

43+ carriers

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.

with Lendio

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.

from $250/mo

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.

with ADP

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.

8 providers

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.

StageWhat we commit toWithin
SubmittedFirst review of your file1 business day
Missing documentsFollow-up on anything outstanding3 days
UnderwritingA decision, not a status update48 hours
On holdHeld files worked and moved5 days
ApprovedMID created1 day from approval
MID createdInstallation scheduled3 days
ScheduledInstallation completedThe booked week

Check my application status → — the same stage names, against your own file.

What “one relationship” changes

 The usual arrangementPayco
Your informationRe-typed for sales, underwriting, install and supportEntered once, carried through by one record
PricingA teaser rate quoted before anyone reads your statementPriced from your own statement, with the effective rate shown
EquipmentA box in the mail and a PDFProgrammed before it ships, installed by a technician
Go-liveThe day the hardware arrivesA certified handoff after training, not before
SupportA 1-800 queue that has never seen your fileThe team that onboarded you, with your history on screen
TimelinesWhatever it takesA published commitment per stage, measured internally
Everything elseFour vendors, four invoices, four support numbersPayroll, phones, internet, capital and IT on the same thread

When something breaks

Phone

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.

On site

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.

Self-serve

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