We help business owners obtain merchant accounts and save on credit card processing fees.

Our large network of domestic and overseas solutions maximizes your chances for getting approved, while our personal service ensures a smooth experience.

No hidden fees | No surprises | No cancellation fees.

The Elm Difference

Elm Payments matches merchants with partners who prioritize the customer payment experience.

Increase in Accepted Orders

10- 0 %

Increase in Fraud Detection Rate

30 %

Chargeback Losses on Elm Orders

$ 0

Our Mission

To bring integrity to the credit card processing industry through honesty and transparency.

Who We Are

We’re a team of payment experts who help merchants access affordable credit card processing rates.

Why We’re Here

It bothers us that SMBs are subjected to unfair rates and confusing terms. We’re here to make credit card processing, clear, simple, and fair.

What We Do

We match you with the best payment processors suited for your business.

Merchant Services

Paying for goods or services must be convenient for the customer and affordable for the merchant. Choose from our selection of secure payment solutions for all your needs and we’ll make sure you pay a fair rate. We can help you begin receiving payments in any industry within days.

US Based Bank Solutions
International Based Bank Solutions
Secure Payment Gateway
Chargeback Reduction
Multi-Currency Settlement
Advanced Fraud Scrubbing
CRM Integration
Detail Transaction Reports

Debit Payment Processing
E-check Services
Virtual Terminal
Alternative Pay Solutions
Chargeback Alerts System
ACH Check Processing
API Integration

Everything your business needs to get paid

Shopping Cart

Seamless setup and integration with most shopping cart platforms & website content management systems.

Virtual Terminal

Easily process credit cards online quickly and safely. Accept payments over the phone or even send invoice links.

Terminals

Seamless setup and integration with most shopping cart platforms & website content management systems.

Mobile

Process payments on-the-go using your smartphone! Wireless, hassle-free technology.

Point of Sale

Speed up transactions, simplify daily tasks and securely accept the latest payments.

Peace of Mind With Elm Payments

100% Satisfaction Guarantee

If you are unhappy for any reason, you can cancel at any time.

Security

Elm Payments is PCI compliant. We adhere strictly to industry standards to manage our network and applications.

Funding/Deposits

Funds will automatically be directly deposited within 24-48 hours.

Customer Service 24/7

We are available to help you 24 hours a day 7 days a week.

Integrations? We have you covered!

Client Testimonials

I was told by a friend that I was paying to much in transaction fees. He referred Elm Payments to me. I wasn’t expecting much, I thought all credit card processing companies were the same. After speaking with them, they told me they cold lower my rates by 1.5%. I was interested, and gave them a shot. So happy I did, not only did my payments get processed faster but, my rate actually dropped 1.75%. Great company and nice people, worth the call.”

Sandra Powell‘Outdoor Sports’, Colorado Springs, CO

After speaking with countless merchant account providers and receiving their best rates, I found Frank to be genuine and responsive to all of my inquires. His services and rates were in line with some of the most competitive companies, however his attention to detail and service is what ultimately made me to decide to go with EP. They got my machine and account up in three days. Very happy with their service. Thanks Guys!”

David Miller‘Tempe Collectables’, Tempe, AZ

I was completely fed up with my previous merchant bank. The rising cost of fees, and unresponsiveness caused me major stress. Frank at EP saved my sanity and lowered my fees. Will definitely recommend to all my friends.”

Annie PrichardAnnie’s Cakes’, Atlanta, GA

Great service. After being ignored and denied several times by other merchants, Elm Payments came through and provided credit card processing for my online business. I was surprised how easy it was once the process started, and I am now questioning the legitimacy of all the other companies that denied me. Glad I found you guys.”

Danny Pawlowski‘Gamers Door’

Great Service, good rates. Thanks for saving me a lot of money. Couldn’t have done it without you”

Kenneth Solomon, D.M.S.‘Great Smiles’, Sterling Heights, MI