Merchant services for professional service firms
Accountants, consultants, agencies, law firms, insurance agencies and more. Get paid on invoices, retainers and recurring plans with lower-cost options for big balances.
- 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.
Payments for professional services, without the runaround
Professional firms mostly get paid on invoices, which means card-not-present payments that cost more per transaction. Large invoices make ACH valuable, and retainers make recurring billing useful.
We'll set you up with invoicing, payment links, a virtual terminal and ACH, priced so that large invoices don't eat your margin. Law firms needing trust-account handling should confirm requirements with their bar's rules; we can point you to providers that support it.
- Invoices with card and ACH
- Payment links by email
- Virtual terminal
- Recurring retainers
- Level 2/3 data for B2B cards on supported programs
- Interchange-plus pricing
What a good professional services setup includes
Built around the way you take orders and get paid.
Invoicing
Professional invoices with a pay button.
Payment links
Email or text a link.
Retainers
Scheduled recurring billing.
B2B cards
Data that can qualify for lower interchange.
ACH
Big balances at lower cost.
Secure storage
Tokenized card-on-file.
Take every way your customers pay
One merchant account can cover the counter, the phone, the website and the job site.
Credit & debit cards
Visa, Mastercard, Discover and American Express (Amex may need separate approval), tapped, dipped, swiped or keyed.
Digital wallets
Apple Pay, Google Pay and other contactless wallets on any NFC-ready terminal.
Online & invoices
Payment links, a virtual terminal for phone orders, and website checkout through a payment gateway.
Mobile & on-site
Wireless terminals and phone readers for deliveries, job sites, markets and events.
ACH & eCheck
Bank-to-bank payments for larger invoices and recurring billing, usually at a lower cost than cards.
Recurring billing
Card-on-file and scheduled payments for memberships, retainers and service plans.
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
Can I pass the card fee to clients?
In Texas, we don't set up credit card surcharges. A cash or ACH discount, or offering ACH as an option, are common alternatives.
What's Level 2/3 data?
Extra invoice details sent with B2B card payments that can qualify for lower interchange on some corporate cards.
Can clients pay by bank transfer?
Yes, with ACH through invoices or payment links, subject to approval.
Other industries
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.