--- title: Merchants description: Virtue Payments delivers fair, honest pricing, exceptional support, and smart payment technology built to empower merchants and small businesses. image: https://virtuepayments.com/hubfs/Merchant%20Page%20Images/Merchant%20Page%20-%20Featured%20Image.png --- [Skip to content](https://virtuepayments.com/merchants#main-content) [![Virtue Payments - TM Logo](https://virtuepayments.com/hs-fs/hubfs/Logos/Virtue%20Payments%20-%20TM%20Logo.png?width=1197&height=320&name=Virtue%20Payments%20-%20TM%20Logo.png) ![Virtue Payments - TM Logo](https://virtuepayments.com/hs-fs/hubfs/Logos/Virtue%20Payments%20-%20TM%20Logo.png?width=1197&height=320&name=Virtue%20Payments%20-%20TM%20Logo.png)](https://www.virtuepayments.com?hsLang=en) - [Why Virtue?](https://virtuepayments.com/why-virtue) - [Merchants](https://virtuepayments.com/merchants) Show submenu for Merchants - [Free Terminals](https://virtuepayments.com/free-terminal) - [SaaS Providers](https://virtuepayments.com/saas-providers) - [Partners](https://virtuepayments.com/partners) Open main navigation Close main navigation - [Why Virtue?](https://virtuepayments.com/why-virtue) - [Merchants](https://virtuepayments.com/merchants) Show submenu for Merchants - [Free Terminals](https://virtuepayments.com/free-terminal) - [SaaS Providers](https://virtuepayments.com/saas-providers) - [Partners](https://virtuepayments.com/partners) - [24/7 Support](https://virtuepayments.com/support) Open search Close search [24/7 Support](https://virtuepayments.com/support?hsLang=en) This is a search field with an auto-suggest feature attached. - There are no suggestions because the search field is empty. # Run Your Payments Anytime, Anywhere Serious savings, unmatched support, and the kind of honest, long-term partnership every business owner deserves—because that’s how payments should be. [Get started](https://virtuepayments.com/contact-us?hsLang=en) ## In-Store Flexible in-store payment solutions that combine sleek design with the reliability your business needs. ## Online E-commerce solutions that elevate the online experience—backed by competitive rates you’ll love. ## On-the-Go Powerful mobile payment solutions that move with you—so you can get paid anytime, anywhere. ## Solutions for Every Need From mobile readers to full point-of-sales systems, Virtue Payments™ delivers the tools you need to accept payments anywhere, streamline operations, and grow with confidence. ## [![Leading payment processing technology showcasing Virtue Payments payarc analytics dashboard displayed on laptop, tablet, and mobile device, illustrating virtual terminal access and real-time reporting.](https://virtuepayments.com/hs-fs/hubfs/Merchant%20Page%20Images/Equipment%20Images/Virtue%20Payments%20Portal.png?width=800&name=Virtue%20Payments%20Portal.png) Virtual Terminals Easily accept payments from your computer, phone, or tablet—with secure card-on-file storage, recurring billing, invoicing, and more, all in one powerful platform.](https://virtuepayments.com/contact-us?hsLang=en) ## [![Newland X800 smart payment wireless terminal with touchscreen dual facing interface, showcasing advanced features for in-person sales and mobile merchant transactions](https://virtuepayments.com/hs-fs/hubfs/Merchant%20Page%20Images/Equipment%20Images/Smart%20Terminals.jpeg?width=800&name=Smart%20Terminals.jpeg) Smart Terminals Accept card-present payments with smart terminals that support tap-to-pay, Apple Pay, and built-in tools like basic inventory to keep your business moving.](https://virtuepayments.com/contact-us?hsLang=en) ## [![Clover Station Duo Point-of-Sale POS System with large touchscreen, fast receipt printer, cash drawer, and customer facing display for modern retail and restaurant merchants.](https://virtuepayments.com/hs-fs/hubfs/Merchant%20Page%20Images/Equipment%20Images/Point%20of%20Sale%20System.jpeg?width=800&name=Point%20of%20Sale%20System.jpeg) POS Systems Robust POS systems that handle sales, inventory, customer tracking, employee management, and so much more—giving you complete control in one system.](https://virtuepayments.com/contact-us?hsLang=en) ## [![Clover Go 3rd Generation mobile card reader connected to smartphone iphone via bluetooth for tap, insert, and swipe payments, ideal for on-the-go transactions, Apple Pay, Google Pay](https://virtuepayments.com/hs-fs/hubfs/Merchant%20Page%20Images/Equipment%20Images/Mobile%20Readers.jpeg?width=800&name=Mobile%20Readers.jpeg) Mobile Readers Lightweight mobile readers built for fast, on-the-go payments—accepting tap-to-pay, Apple Pay, and chip cards wherever business takes you.](https://virtuepayments.com/contact-us?hsLang=en) Smarter Service. Faster Access. Greater Insight. ## Your Edge in Every Transaction **Dedicated Advisor** From onboarding to ongoing optimization, you'll benefit from a dedicated advisor who is here to help you make smart decisions, solve problems quickly, and support your growth every step of the way. **Same Day Funding** Cash flow matters. With expedited funding options, qualified merchants can receive deposits as fast as the same day—so your money moves at the speed of your business. **Free Online Reporting** Track transactions, monitor trends, and access detailed reports from anywhere. You'll benefit from an online portal which gives you 24/7 visibility into your payments—at no extra cost.   [Learn More](https://virtuepayments.com/contact-us?hsLang=en) ![Personal dedicated payment advisor meeting with a merchant reviewing savings and improvements on a tablet, Consulting services in a professional setting](https://virtuepayments.com/hs-fs/hubfs/Merchant%20Page%20Images/Advisor%20Meeting.jpg?width=855&name=Advisor%20Meeting.jpg) ## Additional Features You'll Love ## QuickBooks Integrations Sync your accounting platform. ## Compliant Surcharging Legally offset processing costs. ## Fast Business Funding Fast, flexible access to capital. ## ACH (eCheck) Payments Lower fees by accepting ACH. ## Apple Pay & Google Pay Fast, secure mobile payments. ## Text-to-Pay Invoicing Get paid via SMS payments. ## Secure Card on File Tokenized cards for future use. ## PCI Certified Security Protect data and stay secure. Our Pricing Programs Deliver ## Meaningful Cost Savings Flexible, low-cost pricing models designed to maximize your savings and suit the way you do business. **Transparent Rates** Choose between transparent, cost-based interchange pricing or the simplicity of flat-rate billing — whatever fits your business best. **Offset Processing Fees** Reduce or eliminate processing fees with compliant surcharging or dual pricing. Whether you pass costs to the cardholder or offer cash discounts, our solutions ensure compliance with state and card brand regulations. [Get a Free Rate Review](https://virtuepayments.com/contact-us?hsLang=en) ![Happy business owner reviewing big savings and lower processing fees on a tablet in a flower shop, excited about other modern solutions from Virtue Payments who provide amazing support services](https://virtuepayments.com/hs-fs/hubfs/Merchant%20Page%20Images/Merchant%204.jpg?width=855&name=Merchant%204.jpg) ## How to save 50-70% on your processing costs ## 1. Submit a Statement Submit a recent merchant processing statement.   ## 2. Analysis Review We do a deep dive and a cost savings analysis.   ## 3. Easily Implement We process your app & get you setup, usually within 1-2 days.   ## 4. You Start Saving You benefit from **more $$$** in your pocket!   [Submit a Statement](https://virtuepayments.com/contact-us?hsLang=en) ## Verticals We Serve We work with businesses across a wide range of industries, but there are a few areas where our expertise truly stands out. Here are some of the verticals we serve best: ## [![Business-to-business B2B owner efficiently operating his business reviewing inventory and payments reporting on tablet in wholesale warehouse benefiting from level 2 & 3 rate savings](https://virtuepayments.com/hs-fs/hubfs/Merchant%20Page%20Images/Verticals/B2B.jpg?width=800&name=B2B.jpg) Business-to-Business (B2B) Whether you're a wholesaler or service provider, we streamline B2B transactions and reduces costs with Level II & III data for lower interchange rates.](https://virtuepayments.com/contact-us?hsLang=en) ## [![Smiling field services HVAC technician after servicing home and easily getting paid via an online invoice payment](https://virtuepayments.com/hs-fs/hubfs/Merchant%20Page%20Images/Verticals/Field%20Services.jpg?width=800&name=Field%20Services.jpg) Field Services From HVAC to roofers, we make it easy to accept payments on-site, online, or in the office—saving time and cutting costs.](https://virtuepayments.com/contact-us?hsLang=en) ## [![Employee accepting table-side contactless credit card payment at high end fine dining hotel restaurant resulting in a happy customer](https://virtuepayments.com/hs-fs/hubfs/Merchant%20Page%20Images/Verticals/Hospitality.jpg?width=800&name=Hospitality.jpg) Hospitality From restaurants to hotels, we make payments seamless—whether at the counter, tableside, or online—enhancing guest experience while reducing costs.](https://virtuepayments.com/contact-us?hsLang=en) ## [![Healthcare receptionist assisting patient at front desk with Clover mini used for patient payments in a modern medical or dental practice](https://virtuepayments.com/hs-fs/hubfs/Merchant%20Page%20Images/Verticals/Healthcare.jpg?width=800&name=Healthcare.jpg) Healthcare From dental offices to surgical centers, we provide secure, flexible payments that streamline billing, reduce administrative costs, and improve patient convenience.](https://virtuepayments.com/healthcare?hsLang=en) ## [![Very satisfied retail store clerk standing in lane next to Point-of-Sale System POS with barcode scanners, cash drawer, and payment terminal](https://virtuepayments.com/hs-fs/hubfs/Merchant%20Page%20Images/Verticals/Retail.jpg?width=800&name=Retail.jpg) Retail From local boutiques to multi-location stores, we deliver fast, reliable payment solutions that keep checkout lines moving and help boost your bottom line.](https://virtuepayments.com/contact-us?hsLang=en) ## [![Customer easily entering credit card payment on iphone for an online shopping cart eCommerce transaction which can also accept Apple Pay](https://virtuepayments.com/hs-fs/hubfs/Merchant%20Page%20Images/Verticals/eCommerce.jpg?width=800&name=eCommerce.jpg) eCommerce From startups to growing online brands, we power secure, seamless payment experiences that help you convert more customers and scale with confidence.](https://virtuepayments.com/contact-us?hsLang=en) ## [![501c3 local charity fundraising event with the ability to run mobile payments and accept donations at special non profit rates](https://virtuepayments.com/hs-fs/hubfs/Merchant%20Page%20Images/Verticals/Non-Profit.jpg?width=800&name=Non-Profit.jpg) Non-Profit From local charities to national organizations, we provide cost-effective, secure payment solutions that make it easy to collect donations and support your mission.](https://virtuepayments.com/contact-us?hsLang=en) ## [![Car repair shop owner accepting payment from happy customer on mobile wireless credit card terminal he can carry around](https://virtuepayments.com/hs-fs/hubfs/Merchant%20Page%20Images/Verticals/Automotive.jpg?width=800&name=Automotive.jpg) Automotive From repair shops to tire centers and auto dealerships, we deliver fast, reliable payment solutions that keep your operations running smoothly and your customers on the move.](https://virtuepayments.com/contact-us?hsLang=en) ## Hear from Virtue Clients After years of frustration with other processors, Virtue Payments has really impressed us. They've saved us thousands, but what really stands out is the support. It’s responsive, personal, and unlike anything we've experienced before. ![Owner of vitamin supplement shop, Nathan Noll, happy about his approved merchant account and exceptional support with Virtue Payments](https://virtuepayments.com/hubfs/Testimonial%20Photos/Nathan%20Noll_edited-1.avif) Nathan Noll Pacific Health Foods Our old payment system was clunky and overcomplicated. Since switching to Virtue, everything runs smoother. They simplified the entire process, and now it’s easier than ever to accept payments. ![Pastor Jim Stretchberry talking about his great experience accepting donations with Virtue Payments with easy donor management solutions DMS](https://virtuepayments.com/hubfs/Testimonial%20Photos/IMG_3374_edited-1.avif) Jim Stretchberry AEBM During the pandemic, we had to completely restructure just to stay afloat. Virtue helped us roll out a new POS system and supported us every step of the way. Honestly, I’m not sure we could’ve made it through without them. ![Restauranteur, Angela Wu, expresses satisfaction with Virtue Payments for new POS system with contactless curbside payments and modern features](https://virtuepayments.com/hubfs/Testimonial%20Photos/Angela%20Woo_edited-1.avif) Angela Wu Sesame Grill ## Make the Move to Smarter Payments Find out why businesses are switching to Virtue Payments™ for real savings, responsive support, and tools built to grow with them. Let's connect and get started! Get Started [![Virtue Payments - TM Logo](https://virtuepayments.com/hs-fs/hubfs/Logos/Virtue%20Payments%20-%20TM%20Logo.png?width=250&height=67&name=Virtue%20Payments%20-%20TM%20Logo.png "Virtue Payments - TM Logo")](https://virtuepayments.com/?hsLang=en) - [Home](https://virtuepayments.com) - [Merchants](https://virtuepayments.com/merchants) - [SaaS Providers](https://virtuepayments.com/saas-providers) - [Partners](https://virtuepayments.com/partners) - [Why Virtue?](https://virtuepayments.com/why-virtue) - [About](https://virtuepayments.com/why-virtue) - [24/7 Support](https://virtuepayments.com/support) - [Contact Us](https://virtuepayments.com/contact-us) # Newsletter Signup Get the latest news, tips, and tricks from Virtue. **Contact Us** (615) 622-0239  |  info@virtuepayments.com 2026 Virtue Payments. 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