Get paid online, by invoice, or over the phone
A payment gateway for your website, payment links you can text or email, and a virtual terminal for phone orders, all connected to your merchant account.
- 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.
Card-not-present payments, done properly
Not every sale happens at a counter. Contractors send invoices, professional firms bill retainers, and shops take phone orders. A virtual terminal lets you key a card from any browser. Payment links and invoices let customers pay on their own phone. A gateway connects your website's checkout to your merchant account.
Keyed and online payments cost more than in-person ones because of higher fraud risk. We'll help you set up address verification, card security code checks and tokenized card-on-file storage, so you're protected and your costs stay reasonable.
- Payment gateway for website checkout
- Virtual terminal for phone and mail orders
- Payment links by text or email
- Invoices with card or ACH payment
- Card-on-file and recurring billing
- Fraud tools: AVS, CVV, tokenization
Online payment tools
Use one, or combine them.
Website checkout
Gateway integration with common e-commerce platforms and shopping carts.
Invoices
Send a branded invoice with a pay button and see when it's paid.
Text-to-pay
Text a secure link so the customer pays on their own phone.
Recurring billing
Memberships, retainers and service plans on a schedule.
Virtual terminal
Key a card from any browser, with receipts by email.
Fraud screening
Address and security-code checks and tokenized storage.
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 business owners work with 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
Why do online payments cost more?
Card networks charge higher interchange when the card isn't physically present, because fraud risk is higher. Good fraud settings and accurate data can help you qualify for better rates.
Can I take ACH too?
Yes. ACH is often much cheaper than cards for larger invoices. See ACH and eCheck processing.
Will it work with my website?
Most popular website and e-commerce platforms support at least one of our partners' gateways. Tell us what you use and we'll confirm.
More services
Not sure what you're paying, or what you'll need?
Send a recent statement or tell us about the business you're opening. You'll get a plain-English breakdown and options, with no cost or obligation.