Custom Solutions

We custom-design your payment solutions to meet the needs of your business.

Low Rates

Our customers pay some of the lowest rates industry wide with no surprise rate increases.

24/7 Texas-Based Support

In-person and remote support from our Texas-based techs anytime you need it - even when big banks are closed.

Feature-Rich Modern POS Equipment

Excellent Cardholder Payment Functionality

Is your POS system EMV-Chip Compliant?

Prioritize EMV Chip Compliance

EMV liability shifts from banks to retailers next year for those not in compliance with the newest set of technological requirements.
In a sales environment where card-present payments are the norm, your technology must meet the new and ever-changing rules about EMV chip compliance. A EMV credit card machine is the workhorse of your retail store.

Our customers get easy-to-use technology that makes card-present payments a breeze for your employees and clients. Credit card processing companies consider card present payments a low risk. Businesses who use this technology get the lowest rates when they accept card present payments at their business.

The POS system experts at Spike Financial will help you find the perfect fit for your business. Meet EMV-chip compliance guidelines well before the deadline and enjoy low rates without having to sign an expensive equipment lease.

Serving clients across the country and in cities such as Houston, Dallas, Waco, Temple, Killeen, Tyler, Austin, San Antonio and many more.

Frequently Asked Questions

Most frequently asked questions about payment processing services

You have questions, we have answers. If you can’t find what you’re looking for in our FAQ section below, give us a call or shoot us a message via online chat.

What credit cards can I accept?

Our modern systems accept all private label cards including loyalty and gift cards. You can also accept Visa, MasterCard, American Express, Diner’s Club, Discover, JCB, and POS/ATM debit cards.
Fleet Account servicers can accept both Voyager and Wright Express.
We set up new merchant services accounts quickly, and all of our accounts are Visa MasterCard Interchange.

Can I accept debit cards?

Yes. Our clients accept all debit cards throughout the United States.

How are my card present monthly fees paid?

Monthly fees are automatically debited from your business checking account the first week of each month for the previous month’s fees. You’ll understand those fees before you start processing.

What are my monthly fees for card-present payments?

Many business owners find that their overall payment processing costs drop significantly when they switch to Spike Financial. There isn’t a one-size-fits-all solution that offers the best possible rates for every business owner. That’s why it’s crucial to work with a company that specializes in merchant services. We custom-build every merchant services setup to meet your individual needs.
With Spike Financial, you’ll never have to sign an expensive lease. We make sure our customers have access to fair pricing and one-time, low-priced equipment fees.

How long does it take to set up a merchant account?

It typically takes two to three business days to get approval for a new merchant services account. The federal government requires certain documentation, and we must get the required signatures from business owners on new applications.
Our team works closely with new clients to make sure that the process goes smoothly and quickly.

What type of POS terminal do I need?

Your terminal type is determined by your payments options.
Physical location: Countertop models work well for businesses that accept payments at their brick and mortar locations.
Mobile locations: Businesses that accept payments off-site at festivals, farmers’ markets, trade shows, or food trucks experience great results with a mobile POS system.
Phone payments: Virtual terminals work great for businesses that accept the majority of their payments over the phone.

How long will it take to begin accepting card payments?

In most cases, our experts can have you up and running in one to two business days. If you have multiple locations, the installation process may take a bit longer. Mobile processing typically takes less time to set up than a traditional countertop POS system.

I want to accept credit card payments. What kind of hardware do I need?

We custom build every payment solution to meet the needs of our clients. Our POS experts will determine which equipment is a good fit by assessing your:

Merchant account type
Common transaction types
Number of business locations
Industry type
Security needs

I already have a credit card terminal; can I just reprogram it to work with you?

You may be able to use your current equipment if the terminal equipment is PCI compliant.

What is the difference between online debit and offline debit?

Debit card transactions are the fastest growing point-of-sale payment method today. The acceptance of this payment method continues to remain popular because customers and merchants both appreciate the convenience and ease of using debit cards to purchase merchandise and services.
Online: When a PIN is used the transaction becomes “online” and funds are immediately withdrawn from the cardholder’s available funds.
Offline: When an offline debit transaction occurs, funds are not withdrawn until the transaction processes – usually 2-4 days after the sale.

What can I expect when I need tech support?

Spike Financial customers get 24/7 access to our Texas-based team of tech experts. If you need help with anything related to your payment processing equipment or software, you can get remote or in-person assistance. Our tech support can help troubleshoot and get you back online quickly.
When you use a big bank for your merchant services, you may not have access to help when you need it most. Spike Financial technical support is open on holidays and after regular banking hours, so even if you have technical difficulties, you can get the help you need.

Learn how Spike Financial can connect you to the technology your business needs at an affordable price.


Latest News

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