Credit Card Processing

Accept Credit Cards in Person or Online

Payment Processing That Works as Hard as You Do

Accepting payments should be simple, predictable, and affordable. We help business owners cut through confusing rate structures and restrictive agreements to find processing solutions that fit how they actually operate, whether that's a single terminal at the counter or a full omnichannel setup across storefront, mobile, and web.

Transparent, Flat-Rate Pricing

You shouldn't need an accounting degree to understand your monthly statement. Flat-rate pricing means you know what every transaction costs before it happens, with no surprise line items, hidden fees, or quarterly adjustments buried in the fine print. Easy-to-read statements make it simple to reconcile your books and see exactly where your money is going.

No Contracts, No Penalties

Long-term contracts and early termination fees exist to protect the processor, not the merchant. Our programs come with no setup cost, no application fee, and no early termination penalty, so the relationship continues because it's working, not because you're locked in. If your needs change, you're free to change with them.

Approvals for Businesses Others Turn Away

Not every business fits neatly into a standard underwriting box. Through relationships with a wide network of banks and sponsors, we place accounts for both traditional low-risk merchants and businesses in higher-risk categories that many processors won't touch. Same-day approvals and 24–48-hour funding mean you can start accepting payments quickly instead of waiting weeks for an answer.

Merchant Services Details

Building a Payment Setup That Fits Your Business

We take a different approach. We look at how your business actually takes payments — card present, card not present, recurring, mobile, or all of the above — and match you to the processing structure and equipment that supports it. If your current rates are already competitive, we'll tell you. If they're not, we'll show you the difference in dollars.

Solutions we place:

Credit and Debit Card Processing: Full acceptance of Visa, Mastercard, American Express, and Discover, with EMV-ready terminals and PCI-compliant data security built in.
Point of Sale and Virtual Terminals: Countertop, mobile, and wireless terminals for in-person sales, plus virtual terminals for phone and mail orders.
E-Commerce and Online Payments: Gateway integration and online checkout for businesses selling through a website or marketplace.
Gift, Loyalty, and Prepaid Cards: Branded gift and loyalty programs that bring customers back and increase average ticket size.
Check Acceptance and EBT: Electronic check services and EBT acceptance for businesses serving customers across multiple payment types.
ATM Placement: On-site ATM machines that add convenience for customers and a secondary revenue stream for you.
Security and Fraud Protection: Encryption, tokenization, and chargeback support to protect your transactions and your reputation.

Getting Started Is Simple

Send us a recent processing statement, and we'll show you exactly what you're paying and where it can be reduced, no obligation, no pressure. If you're opening a new location or accepting cards for the first time, we'll walk you through equipment options and get your application submitted the same day. Even if another processor has declined you, there's a good chance we can still find a home for your account.

Contact PDM Funding

PDM Funding originates debt and equity financing ranging from individual Fix and Flip investors to major multi-million or even billion-dollar projects. We look forward to learning about your project.

Fill out the form on this page, and we'll contact you.