Brick and Mortar Payment Processing

At Aacadia Payments, we take great pride in our streamlined and expedited application process that ensures swift approvals, setting the foundation for a successful partnership.

Our payment processing solutions are expertly crafted for versatility, serving both your online and brick-and-mortar store needs, thus offering comprehensive flexibility to adapt to your business model.

We’ve fostered robust banking partnerships designed to support your business goals robustly—catering to even the most high-risk sectors and businesses facing prior application rejections.

Recognizing the distinct qualities of every business, Aacadia Payments presents bespoke solutions, meticulously tailored to align perfectly with your specific business requirements and industry standards.

Our team is deeply committed to delivering personal, engaging, and supportive service from the initial contact through the entire collaboration, guaranteeing an exceptionally satisfying experience for all our clients.

Enhance your business with our additional advantages:

- Competitive pricing that respects your budget

- State-of-the-art fraud detection and prevention capabilities

- Seamless integrations with leading e-commerce platforms

- Round-the-clock customer assistance

- Sophisticated reporting and analytics instruments for precise tracking of transactions and business metrics

- A suite of flexible payment alternatives, including recurring billing, subscriptions, and more

Elevate your business's payment processing experience with Aacadia Payments. Connect with us for a solution that’s crafted for you, and together, let’s achieve seamless financial transactions that fuel your growth. Contact us today to get started!

In-Store Payment Processing for High-Risk Retail

Brick-and-mortar payment processing covers every card you take in person: the countertop terminal, your POS system, mobile card readers for events or curbside, and keyed-in orders over the phone. Card-present sales are usually lower risk than online sales, but a store can still be labeled high risk because of what it sells, its average ticket size or its processing history. Aacadia Payments sets up retail merchant accounts for exactly these stores, including firearms dealers, pawn shops, gentlemen's clubs and health and beauty retailers.

What you get with Aacadia Payments

• Banks that accept your industry. We work with 47 banks in the US and the UK and place your store with one that specializes in what you sell.
• Published pricing. Typical pricing is 2.99% + $0.12 per transaction. Your final rate depends on your volume, average ticket size and processing history.
• No-reserve negotiation. We try to negotiate no reserve on every account. If a bank requires one, we'll tell you before you sign.
• Fast approval. About 48 hours from the time we receive your complete application package.
• In-store and online together. One provider for your storefront and your online sales.
• MATCH list help. If a past processor placed you on the MATCH list, we can help you get removed.

How to get approved

• Complete our online application.
• Send a government-issued ID for every owner with 25% or more of the business, a voided check or bank letter, your 3 most recent months of processing statements (if you've processed before) and your 3 most recent months of business bank statements.
• Review your proposal and rate quote, then sign when you're ready.
• Set up your terminal or POS and start taking cards.

See every industry we cover on our high risk credit card processing page, or start your application.

Brick-and-Mortar Payment Processing FAQs

Can a high-risk retail store get a merchant account?

Yes. If your business is legal, we can get it approved. We match you with a bank that specializes in your industry, which is how we keep a 99.8% approval rate.

What does in-store card processing cost?

Typical pricing is 2.99% + $0.12 per transaction. Your exact rate depends on your industry, monthly volume and processing history, and we quote it before you sign anything.

Can I take cards in my store and online with one provider?

Yes. Our payment processing serves both brick-and-mortar and online stores, so you can run your counter and your website through Aacadia Payments.

Will I need a rolling reserve?

We try to negotiate no reserve on every account. A bank may require one based on your financial situation, credit score and industry. If it does, we'll tell you upfront and work to keep it as low as possible.

How long does approval take?

Typically about 48 hours once we have your complete application package.