Merchant services in Houston, TX
Credit card processing, POS systems, card terminals and cash discount programs for Houston businesses, from a local agent based in Fort Bend County. Free statement analysis.
- Free statement analysis
- Month-to-month options
- $0 upfront equipment with qualifying agreement
- Local to Fort Bend & Houston
Get a free quote
Tony replies within 1 business day. No obligation.
Payment processing for Houston businesses
Houston's business mix is about as broad as it gets: restaurants and food trucks inside the Loop, medical and professional offices around the Medical Center and Uptown, auto and industrial suppliers along the freeways, and new retail opening in every direction. That variety is why one-size-fits-all processing so often costs Houston owners more than it should.
Cedarline is based in Fort Bend County, just southwest of the city, and works with Houston businesses on card processing, POS, cash discount programs and pre-opening setups. Statement reviews and setup can be handled by phone, email and video, and in-person visits can be arranged for many local businesses.
Serving businesses across Houston
Including Downtown, Midtown, the Heights, Montrose, Galleria/Uptown, EaDo, Westchase, the Energy Corridor, Bellaire Boulevard's Asiatown and Southwest Houston.
Houston is in Harris County.
Services for Houston businesses
Everything you need to take payments, from one local contact.
Credit card processing
Merchant accounts with clear pricing. Learn more
POS systems
Restaurant, retail and service POS. Learn more
Cash discount & dual pricing
Card sales help cover the fee. Learn more
Equipment programs
$0 upfront with a qualifying agreement. Learn more
Online & invoices
Payment links, gateway, virtual terminal. Learn more
Opening soon?
Set up 30 to 60 days ahead. See the timeline
Three ways to price card processing
There's no single best model. We'll show you each one priced against your real numbers, then you choose.
Flat rate
One percentage plus a per-sale fee on every card. Easy to read, but you pay the same rate on a cheap debit card as on a premium rewards card.
- Predictable
- Simple statements
- Often costs more as volume grows
Fits: low volume, seasonal or brand-new sellers
Interchange-plus
You pay the card networks' wholesale cost (interchange and assessments) plus a fixed, disclosed markup. Every layer shows on your statement.
- Most transparent
- Markup stays fixed
- Usually lowest cost at higher volume
Fits: established businesses, larger tickets, B2B
Cash discount / dual pricing
Your posted prices account for card costs, and customers paying cash get a lower price. Card sales help cover processing instead of your margin.
- Offsets much of your processing cost
- Clear signage and receipts
- Not a surcharge
Fits: restaurants, auto, retail, service shops
Not sure which fits? Get a free statement analysis or read pricing explained.
Why Houston owners call Cedarline
We're a small, independent agent. That means fewer layers between you and the person who set up your account.
One person who answers
You work with Tony directly, from the first statement review to go-live and after. No call-center queue to start.
Pricing you can read
Every quote shows the rate, per-item fee, monthly fees and any equipment terms in writing before you sign.
Options, not one platform
We compare programs from several partner processors and POS platforms, so the setup fits your business instead of the other way around.
Set up correctly
Cash discount signage, receipt settings, tip and tax settings, and test transactions are handled before you go live.
Get set up in three steps
From first call to first sale, without the guesswork.
Send a statement or tell us your plans
Existing business? Send one recent processing statement. Opening soon? Tell us what you'll sell and when.
Compare your options
You get a side-by-side of pricing models, equipment and terms, priced against your numbers.
Go live, tested
Approval, equipment programming, signage and test transactions, done before you rely on it.
Approval timing depends on the processor's underwriting. Most complete applications get a decision in a few business days.
Frequently asked questions
Do you work with businesses in Houston?
Yes. Cedarline is based in Fort Bend County and works with businesses in Houston and across the Houston area. Most setups are handled by phone, email and video; ask about an in-person visit.
Can you help a new business opening in Houston?
Yes, and it's best to start 30 to 60 days before opening. We'll line up approval, equipment and POS setup so you can take cards on day one. See the pre-opening timeline.
Can I add a surcharge for credit cards in Texas?
Texas law restricts credit card surcharges, and the legal picture has been unsettled. We set up cash discount and dual pricing programs instead, which Texas law treats differently. This isn't legal advice.
What does a free statement analysis include?
We review one recent processing statement, calculate your effective rate, list every fee, and show options side by side. Request one.
Nearby areas
Running a business in Houston?
Send a recent statement or tell us what you're opening. You'll get a plain-English breakdown with no cost or obligation.