What Are Merchant Services?
Merchant services are the systems that let your business accept and process payments across in person, online, and mobile channels.
At a high level, they include a merchant account (where funds settle), a payment gateway (securely moves online data), and POS hardware/software for checkout. Expect fast deposits, built in security with PCI guidance, and tools to prevent fraud and handle chargebacks.
In short, the right merchant services help you get paid easily and keep operations running smoothly.
Beacon's Integrated Solution
Beacon Payments is your full‑service payment partner, connecting you with secure, flexible, and transparent processing across in‑person, mobile, and online channels. Modern POS systems, trusted payment gateways, and hands‑on support come together as one system.
Outcomes
- Faster checkouts in store and online
- Lower processing costs with transparent pricing
Reliable service from setup to settlement
Why Beacon?
A payments partner that prioritizes your business, not just your transactions.
Transparent pricing
Clear terms with no long-term contracts or hidden fees. Know what you pay and why.
Hands on support
Real people set you up, monitor performance, and help when it counts.
Security and speed
Guided PCI compliance, fraud help, and fast funding to keep cash moving.
Transparent Pricing and Terms
At Beacon Payments, pricing is clear, simple, and built around your business.You can choose between straightforward pricing options that give you control over how you manage processing costs. There are no long-term contracts, no hidden fees, and no surprises. Just honest pricing you can trust.
Our Most Popular Pricing Options
Interchange Plus Pricing
You pay the true wholesale cost of each transaction set by the card networks plus a small, clearly defined Beacon markup. It’s a simple and transparent model that keeps your processing costs predictable.
Learn More About Interchange Plus Pricing »
Dual Pricing
Give customers the choice to pay by cash or card while reducing your overall processing costs. Cash and Credit prices are both clearly posted. Your clients can decide which payment option is best for them. It’s an easy and compliant way to keep more of your revenue.
"I’ve been using Beacon Payments for the past six months, and I couldn’t be happier. Their rates are incredibly low, which has significantly reduced my processing fees. What really sets them apart, though, is their customer service. Whenever I have a question or need assistance, they’re quick to pick up the phone and provide clear, helpful answers. Highly recommend!"
Industries We Serve
Beacon supports common in person and online business types across the U.S.
- Restaurants and cafes: Counter service, table service, and online ordering with tip prompts and next day funding options.
- Retail: Barcode friendly checkout, inventory sync, and support for tap, dip, and swipe.
- Professional services: Invoices, card on file, and recurring billing for consultancies and practices.
- Home and field services: Mobile payments, estimates to invoices, and text to pay.
- Ecommerce and subscriptions: Payment gateway connections, hosted payment links, and recurring plans.
- Nonprofits: Donations in person and online with optional recurring giving.
"Switching to Beacon Payments was one of the best decisions I’ve made for my business. Not only do they offer some of the most competitive rates I’ve seen, but their team is incredibly responsive. Whenever I need support, I don’t have to deal with long wait times or automated systems—I get real help from real people right away. Fantastic service all around!"
Frequently Asked Questions
Yes. We set it up for you and connect it to your POS/gateway so deposits land in your business bank account.
Most businesses receive funds the next day; same‑day options may be available based on processing profile.
We publish our pricing models and provide a free statement audit to identify savings. No long‑term contracts, no hidden fees.
Yes! Expect guided PCI compliance, encryption, tokenization, and fraud/chargeback support so you stay protected and in‑scope.
In many cases, yes. We support popular POS systems and eCommerce platforms, and can recommend the best fit if you’re upgrading.
We offer gateways and plugins for major shopping carts and support virtual terminals, links, and recurring billing for invoices.