Transparent Pricing
Fast Funding
Choose your rate structure, POS software, business type, and payment platform. We'll match you with the right merchant processing solution.
All rates can be paired with all software programs. Software availability depends on payment platform compatibility.
Merchant Processing
Pricing Options
Software Program
Business Type
Payment Platform
Select a software program above to see compatible platforms
Select a pricing option to get started
Next-Day & Same-Day Funding Schedule
Cutoff times and funding windows listed per processor. Batch out by the cutoff to receive funds on the timeline shown.
Same-Day Window
Batch by 6 AM PST / 9 AM EST → Deposit by 10 AM PST / 1 PM EST
Same-day funding dependent on merchant's bank
Acquiring Banks: Avidia Bank / Fresno First Bank / Axiom Bank / NABC
Accounts with 5309 or 4765 MID prefix
Same-Day Window
Batch by 5 AM PST / 8 AM EST → Deposit by 10 AM PST / 1 PM EST
Same-day funding dependent on merchant's bank
Acquiring Bank: Commerce Bank of California
Additional Cutoffs (Omaha Backend)
Clover & FISERV-integrated merchants
Same-Day Funding (BMO Harris)
Batch by 10:30 AM EST → Deposit by 5 PM EST same day
Limit: $50,000/day
Next Day (Bancorp/Citizens/Fresno First)
Settlement by 12:00 AM EST → Next business day deposit
Acquiring Banks: Bancorp / Citizens Bank / Fresno First Bank
Square Financial Services
How Funding Works — Standard vs. Next-Day vs. Same-Day
Standard Funding
2 Business DaysDay 1
Transaction
Processed
Day 2
Batch Settles
with Processor
Day 3
Funds Deposited
in Your Bank
Next-Day Funding
1 Business DayDay 1
Transaction
Processed
Day 1 Evening
Batch Out
by Cutoff Time
Day 2 Morning
Funds Deposited
in Your Bank
Same-Day Funding
Same Business DayMorning
Transaction
Processed
10:30 AM EST
Early Batch
Cutoff
By 5:00 PM EST
Funds Deposited
Same Day
Available on EPX (via BMO Harris, limit $50K/day) and Cygma (batch by 8 AM EST). Dependent on merchant's bank.
Important Notes
- •All cutoff times are in Eastern Standard Time (EST)
- •Funding is not guaranteed for batches flagged by Risk Management
- •Same-day funding availability depends on merchant's bank capabilities
- •Weekend batches are typically deposited on the next business day (Monday)
- •Amex & Discover Retained transactions may have extended deposit timelines
How It Works
Customize your merchant processing setup in 4 simple steps
Choose Your Rate
Flat rate, Interchange Plus, or Dual Price / Cash Discount
Pick Your Software
Clover, Square, Payanywhere, Dejavoo, or Ingenico
Select Business Type
Retail, Restaurant, Lodging, Ecomm, or B2B
Payment Platform
Matched to your software for seamless processing
Do You Have Questions?
Our sales team is ready to help you find the right processing solution for your business.
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