POS & terminals
Card-present acceptance with modern terminals and POS options for retail, restaurants, services, and more.
Merchant Services
Merchant Processing Built on Clear, Competitive Pricing
Accept cards in person, online, and on the go—and keep more of your revenue. Synergy Capital helps businesses explore transparent payment processing through our processing partners.
Why Processing Matters
Card acceptance should not erode your margins
Every swipe, dip, tap, and online checkout carries a cost. The right structure—and a clear understanding of fees—can help you accept cards confidently while keeping more of each sale.
We help you compare options such as interchange-plus and flat-rate pricing, review your current statement at no charge, and match hardware or gateway needs to how you actually take payments.
Rates and fees vary by business type, monthly volume, card mix, and equipment. Processing is arranged through Synergy’s processing partners and their sponsor bank(s), subject to underwriting and approval. Savings are not guaranteed.
What We Offer
Tools to accept payments your way
Solutions are matched to your channel mix—counter, online, mobile, or recurring billing.
Online & e-commerce
Payment gateways, hosted pages, and integrations so customers can pay on your site or from a link.
Mobile payments
Take cards on the go with mobile readers and virtual terminals when you are away from the counter.
Invoicing & recurring
Send invoices, store cards securely where supported, and set up recurring billing for memberships or retainers.
Transparent pricing options
Explore interchange-plus, flat-rate, and other models so you can see how costs relate to your volume and card mix.
Cash discount & dual pricing
Where permitted by card-brand rules and state law, discuss programs that can help offset the cost of card acceptance.
Complimentary Review
Processing Savings Assessment
Upload your three most recent merchant processing statements. Our team will review your current rates and fees and return a personalized savings assessment that identifies where your processing costs may be reduced.
- Three consecutive months of statements preferred
- PDF or image files (JPG, PNG), up to 8 MB total
- Prepared by our team after review—no automated estimate
- Complimentary and without obligation
Any indicated savings are not guaranteed and depend on processing volume, card mix, pricing program, and underwriting. A review does not constitute an offer or a commitment to change processors.
Upload your statements
Complete the form below. We typically respond within one to two business days.
This complimentary assessment does not guarantee savings, rate reductions, or approval of a processing account. Rates and fees vary by business type, volume, card mix, and underwriting. Processing, if arranged, is through Synergy’s processing partners and their sponsor bank(s). See Terms & Disclosures.
How It Works
From conversation to live account
- 01
Share how you take payments
Tell us about in-person versus online volume, average ticket, and any current processor pain points. A recent statement helps.
- 02
Review pricing structure
We walk through transparent options and estimated costs based on your mix. Figures are illustrative until underwriting is complete.
- 03
Apply with your processing partner
Complete the application and upload required business documents. Approval is determined by the processor and sponsor bank.
- 04
Set up equipment & go live
Order or configure terminals, gateways, and PCI-related steps, then begin accepting cards with support available after launch.
What You Need
Common setup documents
Requirements vary by partner and business type. Gathering these items early helps the review move smoothly.
- Legal business name, DBA, address, and EIN
- Owner information and government-issued ID when requested
- Voided check or bank letter for the deposit account
- Recent processing statements (if you already accept cards)
- Estimated monthly volume and average ticket size
- Website or social presence for online / card-not-present activity
FAQ
Merchant processing questions
How is pricing determined?
We focus on clear pricing and competitive structures for your volume and industry. Exact rates and fees depend on business type, card mix, and partner underwriting. We do not promise the lowest rate in the market or guaranteed savings.
Do you offer next-day funding?
Many processing programs deposit settled funds on a next-business-day or similar schedule, subject to the partner’s cut-off times, risk review, and account status. Timing is confirmed during setup and is not guaranteed for every merchant.
What about PCI compliance?
Merchants that accept cards must meet applicable PCI DSS requirements. Your processing partner typically provides guidance, SAQ options, and tools; you remain responsible for completing required steps for your environment.
Can I use cash discount, dual pricing, or surcharging?
These programs are subject to Visa, Mastercard, and other brand rules, plus state law. Surcharging, where allowed, applies only to credit cards and requires advance notice to the processor, a capped amount, and clear disclosure to customers. We only discuss options that are permitted for your location and industry.
Is this the same as a merchant cash advance?
No. Merchant processing is how you accept card payments from customers. A merchant cash advance is a separate financing product that purchases a portion of future receivables. Many businesses use both, but they are different services.
How do I apply?
Call (646) 791-2395 or email info@synergycap1.com. Note in your message that you are interested in merchant processing. You can also start with a complimentary Processing Savings Assessment by uploading recent statements.
Important
Clear expectations
Merchant processing services are arranged through Synergy Capital’s processing partners and their sponsor bank(s). Synergy is not a bank. Rates, fees, equipment costs, funding schedules, and contract terms vary and are subject to underwriting and approval. References to affordable, low rates, or low fees are general and do not guarantee any specific rate, fee, or savings. Card brand names and logos are trademarks of their respective owners and are used only for descriptive purposes where permitted. Cash-discount, dual-pricing, and surcharge programs are available only where allowed by card-brand rules and applicable law. See Terms & Disclosures.
Ready to Review Your Rates?
Upload recent statements for a complimentary Processing Savings Assessment, or speak with our team about affordable processing options.
Requesting an assessment does not guarantee approval of a processing account. By submitting, you consent to be contacted by Synergy Capital by phone, text, or email at the contact details you provide. Message and data rates may apply; consent is not a condition of purchase. See Terms & Disclosures and Privacy Policy.