Merchant services for every way you get paid
Processing, equipment, POS and the extras, set up by one local contact and priced in writing.
Credit card processing
Merchant accounts for Texas businesses: card processing, POS and terminals with clear pricing, a free statement analysis and month-to-month options. Call (832) 945-1216.
POS systems
Find the right POS system for your restaurant, store or service business. Hardware, software, menu or inventory setup and processing in one plan. Free consultation.
Card terminals
Countertop, wireless, smart and mobile card terminals with chip, tap and swipe. Equipment at no upfront cost with a qualifying processing agreement. Get a quote.
Dual pricing
Show a cash price and a card price on every item, with compliant signage and receipts. Dual pricing for restaurants, auto shops and retailers in Texas. Free estimate.
Cash discount program
Offer customers a discount for paying cash, with signage and receipts set up correctly. A Texas-friendly way to offset card processing costs. Get a free estimate.
Equipment programs
Get card terminals and POS hardware at no upfront cost with a qualifying processing agreement, buy outright, or reprogram what you own. No long non-cancelable leases.
Online & invoice payments
Accept card payments online with a payment gateway, website checkout, payment links, invoices and a virtual terminal for phone orders. Merchant accounts for Texas businesses.
Mobile payments
Take cards anywhere with wireless terminals, phone readers and tap-to-pay. Built for food trucks, contractors, markets and delivery. Free quote from Cedarline Payments.
ACH & eCheck
Accept bank payments by ACH and eCheck for invoices, recurring billing and large tickets, often at a lower cost than cards. Merchant services for Texas businesses.
High-risk accounts
Merchant accounts for businesses many processors turn down: subscriptions, travel, CBD and hemp, firearms, nutraceuticals and more. Honest guidance, subject to approval.
Working capital referrals
Referrals to third-party funding partners for working capital and merchant cash advances. Cedarline is not a lender. Compare total cost before you accept any offer.
Opening a new business
Everything above, lined up 30 to 60 days before you open.
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.
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.
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.