At The Payment Factory, we go far beyond payment processing. We offer an ever-expanding suite of business solutions designed to boost your bottom line, streamline operations, and give you more ways to serve your customers. From loyalty programs to financing and online ordering, our tools are built to grow with you.
Looking for something specific? We’re always adding new services—just ask.
Our custom-branded gift cards and loyalty programs are simple to set up and easy to use—whether in-store or online. Reward repeat visits, run promotions, and increase average ticket sizes with tools that work right through your POS.
Credit card fees can eat into your margins—especially in high-volume or low-ticket businesses. That’s why we offer several compliant pricing strategies to help you manage or offset these costs while staying transparent with your customers.
Want help choosing the right model? We’ll guide you based on your business type, transaction volume, and compliance requirements.
Access working capital when you need it—without jumping through hoops. We offer fast, flexible financing solutions, including merchant cash advances and small business lending options with simple payback terms.
Looking for a cost-effective alternative to credit card processing? ACH payments let you collect funds directly from your customers’ bank accounts—ideal for high-ticket items, recurring billing, or service-based businesses.
Yes! You can fully brand your gift cards—both physical and digital—and tailor your loyalty program to reflect your business’s tone, style, and goals. From the look and feel to how rewards are earned, it’s all customizable.
Each model fits a different business profile. We’ll look at your average transaction size, customer base, and local regulations to help you choose the most effective and compliant approach—without risking customer trust.
It can be—but doesn’t have to be. Some financing options leverage your credit card sales for faster approvals, while others are structured more like traditional loans. We’ll explain your options and connect you with what fits best.
Not at all. In many cases, ACH payments settle within 1–2 business days. Plus, they often come with lower fees, making them a strong alternative for high-dollar or recurring transactions.
Have questions or ready to get started? Reach out to us today!
