The complete business platform — built to keep more in your pocket.
Online, in-person, and specialty payments on one in-house platform — plus a compliant dual-pricing program that drives your processing cost toward zero. One partner, every tool, real human support.
How dual pricing worksAll 50 statesTechnology-driven payments
for every way you sell.
Online payments
Accept cards, digital wallets, and ACH on your site, by text, or on the go — secured with tokenization and built-in fraud tools.
Explore the gatewayIn-person payments
Terminals, point-of-sale, gift cards, and invoicing — we set you up with the right equipment for your business: keep what works, upgrade or replace what doesn't, all configured to your pricing.
See devicesSpecialty markets
Hard-to-place and emerging verticals others turn away — CBD, regulated industries, high-risk — placed and supported with care.
Who we serveEverything you need to get paid —
under your own roof.
A one-stop payments stack with real-time reporting, chargeback and fraud tools, and portfolio insights — all in one dashboard, backed by people who pick up the phone.
See every account, every dollar, in real time.
Volume, deposits, chargebacks, and residuals — live, in one place.
More approvals
Multiple sponsor banks mean more merchants get placed — across more verticals, including the tough ones.
Real human support
In-house, U.S.-based help that answers fast — not a ticket queue. Your account, our problem to solve.
One partner. Every payment tool.
Every tool to accept and manage payments in one place — plus the compliant dual-pricing program that takes your processing cost toward zero.
Dashboard
Portfolio insights, reporting, and user controls.
Point-of-sale
Modern terminals and full POS systems.
Payment gateway
Process and tokenize card-not-present payments.
Bank transfer (ACH)
Pay-by-bank as a lower-cost method.
Chargeback mgmt
Track, respond, and win disputes in one place.
Fraud prevention
Multi-layer monitoring on every transaction.
Analytics
Business insights that drive decisions.
Dual pricing
Compliant cash/card pricing — cost to ~$0.
A full-service platform —
plus everything we add on top.
The same powerful stack the big resellers run on, paired with the things they don't give you: specialization, instant savings analysis, and a person who knows your name.
Dual-pricing specialists
We set it up compliantly — signage, receipts, debit handling, state rules — so it just works.
Free statement review
Send one statement; see exactly what you're overpaying and what you'd keep — in minutes.
Vertical expertise
We know your industry's POS, margins, and chargeback patterns — so we place you right.
A real partner
Local, consultative, and reachable 24/7 — a real person answers, day or night.
Real businesses. Real savings.
"Switching took one afternoon and the processing line on my statement basically disappeared. Same registers, same prices — I just stopped paying for the privilege."
"They actually answer the phone. When a terminal hiccuped on a Saturday, a real person fixed it in ten minutes. That's the whole difference for a shop like mine."
"Everyone else turned us away for our industry. 360 placed us, set up dual pricing, and walked us through compliance. Night and day from the last processor."
Watch a 60-second walkthrough.
From statement to dual-pricing checkout to next-day deposit — see exactly how it works.
AI that answers the phone, books the job, and follows up.
Our AI division builds receptionists, websites, marketing, and automation for local businesses — backed by the same payments, security, and compliance team.
Two ways to grow with 360.
For businesses
Send us one statement. We'll show you exactly what you're overpaying — and what dual pricing keeps in your pocket. No pressure, no jargon.
Free statement reviewFor partners & agents
Build a portfolio on a full-service payments platform with strong residual splits, multi-bank approvals, and white-glove support behind you.
Become a partnerOne partner. Every payment tool you'll need.
The complete payments stack under your 360 Paymentech account — accept, manage, and move money, all from a single dashboard.
Take payments anywhere your customers are.
Card-present, online, by text, or recurring — all secured and reconciled in one place.
Run the whole portfolio from one dashboard.
Real-time reporting, user permissions, and the tools to protect every dollar you process.
Faster funding, lower-cost rails.
A proprietary gateway and ACH keep money moving — with next-day funding available.
Working capital, repaid as you process.
Get a lump sum of funding now and pay it back automatically as a small share of your daily card sales — no fixed monthly bill, no surprise due date.
Put a cash machine to work for you.
Place an ATM at your location to earn surcharge income, take pressure off card fees on cash-preferred sales, and keep customers spending on-site.
See the platform on your numbers.
Book a walkthrough and we'll map the right tools to your business.
Take your processing cost to nearly zero — compliantly.
A card price and a cash price, side by side. Customers choose, the terminal does the math, and the cost of acceptance stops coming out of your margin. Legal in all 50 states.
Two prices. The customer chooses.
The card price is the listed price
What's on the shelf or menu is what a card pays. Nothing is "added on" at checkout.
Cash & debit get a discount
Pay another way, pay a little less. The terminal checks the card type automatically.
Your cost goes to ~zero
The cost of acceptance is built into the card price, so it stops eroding your margin.
See what you'd keep.
Slide to your monthly card volume. That's the money leaving in processing fees today — and what 360 keeps in your business.
Get the exact figure from my statementIllustrative estimate. Your statement review gives the precise figure.
Dual pricing, answered.
Is dual pricing legal?
How is this different from a surcharge?
What about debit cards?
What do my customers see?
What about equipment?
Get paid to save local businesses money on everyday payments.
No payments experience, no cold calls, no quotas. If you can spot a shop running cards, you can earn with 360. Share your link, we handle the rest, and you get paid every month they keep processing. Built for creators, side-hustlers, and everyday referrers.
Everything you need to earn — and nothing you don't.
Your own link & page
Sign up and get a personal page on your own 360 subdomain — your link to drop in a bio, story, or text.
Recurring pay
Earn every month an account you referred keeps processing — not a one-time payout.
We do the selling
Our team handles the pitch, paperwork, and setup. You make the intro; we close it.
Built to share
Made for creators and word-of-mouth — share to your audience or refer the shops around you.
Track everything
See clicks, referrals, and payouts from one simple dashboard — no guesswork.
Real support
An in-house U.S. team answers fast — for you and for every business you send our way.
Three steps. That's the whole job.
Spot a business taking cards
A café, a salon, a food truck, a boutique — if they swipe, tap, or run a Clover, they're a lead.
Share your link
Send your personal link, or just tell us who they are. Takes a few seconds from your phone.
Get paid — again and again
We handle the pitch and setup. When they start processing, you earn every month they stay.
If you can spot a card machine, you can do this.
You already walk past a dozen leads a day. Here's all you're looking for:
Start earning this week.
Sign up, get your link and your own page, and start sharing. We'll set up payouts and walk you through it.
Payouts go to referrers 18+ and follow standard tax and program terms. Earnings depend on the businesses you refer — there's no guaranteed income.
Simple, transparent pricing.
No junk fees, no surprises. Choose the model that fits your business — most merchants start with dual pricing and pay essentially nothing to accept cards.
- Wholesale cost passed through, line by line
- Full product suite & dashboard
- Next-day funding
- No monthly minimums
- Compliant cash/card pricing, set up for you
- Signage, receipts & debit handling included
- State-law check for your location
- Equipment that fits — keep, upgrade, or replace
- Volume & specialty-vertical pricing
- Dedicated account support
- API & integration options
- Multi-location rollouts
Rates shown are illustrative starting points and vary by business type, volume, and risk profile. Your statement review provides exact pricing. Not a binding quote.
Tell us what you're looking for.
Cut processing costs, get set up with equipment, add a cash advance or ATM, launch 360 AI, or refer businesses and earn — pick what you need and we'll get back within one business day.
Request received
Thanks — we got the details and we'll reach out within one business day.
hello@360paymentech.com
Phone
(360) 953-7846 · Mon–Fri
What happens next
We read your request, match you with the right person, and follow up with a clear plan — no pressure, no obligation.
Want to refer & earn?
Pick "Refer & earn" above to get your link, or email partners@360paymentech.com.
Payments built for the lunch rush.
Fast checkout, tips, and a dual-pricing program that protects razor-thin food margins — so the cost of accepting cards stops eating your profit.
Fast service POS
Quick tickets, tips, split checks, and table management.
Dual pricing for thin margins
Keep the 2–4% that processing quietly takes on every plate.
Sales insights
See your busiest hours, best sellers, and daily deposits.
Online & QR ordering
Take orders for pickup and delivery, paid in seconds.
Chargeback help
We fight disputes so a busy weekend doesn't cost you.
Real support
A person who answers when the line is out the door.
See what dual pricing keeps on your menu.
Most cafés we review save several hundred dollars a month.
One system for the counter and the cart.
Sell in-store and online with synced inventory, fast checkout, and dual pricing that keeps more of every sale in the register.
Counter checkout
Tap, dip, swipe, and digital wallets — fast and reliable.
Inventory & catalog
Track stock across locations and your online store.
Sell online
A connected storefront with one place to reconcile sales.
Dual pricing
Offset acceptance cost without raising shelf prices.
Reporting
Know your margins, top SKUs, and busiest days.
Fraud protection
Built-in monitoring on card-present and online sales.
Get paid for the work — not the fees.
Salons, barbers, auto shops, and appointment businesses: take deposits, send invoices, and put processing cost back in your pocket with dual pricing.
In-person & mobile
Take payment at the chair, the bay, or on the go.
Invoicing & deposits
Send a link, collect a deposit, get paid on time.
Dual pricing
Higher-ticket services mean bigger fees — keep them.
Repeat customers
Save cards on file for fast, recurring rebooking.
Dispute support
We handle chargebacks so you stay focused on clients.
People, not tickets
Reach a real person whenever you need a hand.
AI for the way money moves.
AI receptionists, websites, marketing, and automation — practical systems that grow local businesses, built by a team that lives in payments, security, and compliance.
Business solutions, end to end.
Everything a modern business needs, powered by AI — we build it, run it, and keep it sharp.
AI Receptionists
A natural voice & chat agent that answers every call 24/7, books appointments, and captures leads — so you never miss business.
Web Design & Development
Fast, mobile-first websites built and maintained for you — with booking, chat, reviews, and payments wired in.
AI Marketing & Content
SEO, social posts, email, and ad copy generated on-brand and on-schedule — marketing that runs even when you don't.
Chatbots & Support Agents
Website and SMS assistants that answer questions, qualify leads, and handle routine support — escalating only when it matters.
Process Automation
Automate scheduling, reminders, review requests, invoicing, and reconciliation — and kill the admin that eats your week.
Data, Insights & Fraud
Dashboards that turn numbers into decisions — plus real-time fraud and risk monitoring, straight from our payments DNA.
Payments & POS
It's in our name. Card readers, POS, and online checkout with transparent processing — set up and supported daily.
See paymentsBuilt for your kind of business.
We already power thousands of local businesses through 360 Paymentech — here's where AI moves the needle.
Restaurants & Cafés
Answer the phone during the rush, take reservations, push specials, request reviews.
Retail & Boutiques
A site that sells, chat that answers stock questions, marketing that brings shoppers back.
Salons & Spas
24/7 booking and a receptionist that fills cancellations and reduces no-shows.
Home & Field Services
Never miss a job call. Capture leads, quote on the spot, follow up from the field.
Health & Wellness
Privacy-aware scheduling, reminders, and intake so your front desk can focus on patients.
Professional Services
Qualify inquiries, book consults, and automate the paperwork that slows billable hours.
Start small. Scale when ready.
Flexible plans — ongoing, project-based, or one-time. Every plan is tailored after a free strategy call.
calls
- AI receptionist (voice + chat)
- 24/7 answering & booking
- Lead capture to your inbox
- One-page website refresh
- Email & local support
office
- Everything in Starter
- New multi-page website
- AI marketing: SEO, social & email
- Website & SMS chatbot
- Reviews & reminder automation
- Insights dashboard
AI
- Everything in Growth
- Custom workflow automation
- Data, analytics & fraud monitoring
- Multi-location support
- Dedicated team & priority care
Not sure which fits? Book a free 30-minute call and we'll map it out with you.
A full circle, not a handoff.
We stay through the whole loop — from the first question to the system running quietly long after launch.
Listen & map
We learn your business and where AI pays off fastest — before a line of code.
Prototype
A working pilot in days, not quarters. Proof you can test before you commit.
Build & ship
Production-grade, secure, and integrated — with the compliance rigor payments demands.
Measure & grow
We monitor, tune, and expand as results compound. You own it; we keep it sharp.
Built by people who move real money.
Most AI shops have never touched a payment rail, a chargeback, or a compliance audit. We have.
Payments-native
Fintech, fraud, and compliance are our first language — not an afterthought.
Security first
We build like regulators are watching, because in our world they are.
Outcomes, not demos
Every engagement is tied to a metric you actually care about.
Vendor-neutral
We pick the right model and tools for you — never locked to one provider.
The honest answers.
Will the AI receptionist sound robotic?
Is my customer data safe?
What if the AI can't answer something?
How long until I'm up and running?
What does it cost, and am I locked in?
Let's figure out your AI move.
Tell us what's slowing your business down. We'll show you where AI fits — and, just as honestly, where it doesn't. Free 30-minute call, no obligation.
Payments that respect the front desk.
Dental, medical, vision, and wellness practices: collect copays, send invoices, keep cards on file securely, and offset processing cost with compliant dual pricing.
Front-desk & card-on-file
Take copays in person and keep cards securely on file for balances.
Text & email invoices
Send a link for outstanding balances and get paid faster.
HSA / FSA accepted
Accept health-spending cards alongside everything else.
Dual pricing
Offset acceptance cost without changing your fee schedule.
Payment plans
Recurring and installment billing for larger treatment costs.
Security & disputes
Privacy-aware handling plus chargeback and fraud support.
Keep more of every visit.
Send a statement and we'll show you the exact savings.
Sell online without the fee drag.
A proprietary gateway, hosted checkout, subscriptions, and fraud tools — wired into your store and reconciled in one place.
Hosted checkout
Secure payment pages and links that drop into any site.
Developer-friendly gateway
APIs, tokenization, and clean docs for custom builds.
Subscriptions & recurring
Bill on a schedule and auto-update expiring cards.
Fraud & chargebacks
Multi-layer screening and dispute responses, handled.
ACH & wallets
Offer pay-by-bank and digital wallets to lift conversion.
Real-time reporting
One dashboard across online and in-person sales.
Get paid for the work, not the fees.
Repair shops, detailers, tire, and service centers: take payment at the bay, send estimates and deposits, and keep more on bigger tickets with dual pricing.
Bay-side & mobile
Take payment wherever the vehicle is — counter or curbside.
Estimates & deposits
Send a quote, collect a deposit, approve the job remotely.
Dual pricing on big tickets
Higher invoices mean bigger fees — keep them in the shop.
Text-to-pay
Customer pays from their phone before pickup.
Cards on file
Fast repeat service for fleets and regulars.
Dispute support
We handle chargebacks so you stay under the hood.
Bill faster. Chase less.
Agencies, law, accounting, and consulting: send invoices and payment links, collect retainers, and offset acceptance cost on every payment.
Invoices & payment links
Send a professional invoice and get paid online in a click.
Retainers & recurring
Bill on a schedule and keep cash flow predictable.
Cards on file
Securely store client payment methods for repeat work.
Dual pricing on invoices
Recover processing cost on larger professional fees.
Reporting
Track receivables, deposits, and trends in one view.
Secure & compliant
Bank-grade handling for sensitive client payments.
Approved where others say no.
CBD, regulated, and emerging verticals that typical processors turn away — placed and supported with multi-bank underwriting and real risk monitoring.
Specialty underwriting
Hard-to-place businesses boarded by a team that knows them.
Multi-bank approvals
More sponsor banks means more paths to a yes.
Risk monitoring
Real-time fraud and chargeback tools to protect your account.
Dual pricing
Offset higher specialty rates and keep more per sale.
In-person & online
Accept everywhere, from the counter to the cart.
Compliance-aware setup
Signage, disclosures, and rules handled for your category.
Tired of being declined?
Tell us your business — we'll tell you honestly if we can place it.