Payment Solutions Built for You

Spike Financial customers get cutting-edge technology to make taking card-not-present payments simple, secure, and fast.

Low Prices

Our customers pay some of the lowest rates in the industry. We never issue surprise rate increases and you won't have to sign an expensive lease.

24/7 Texas-based Tech Support

We are open and here to help - even when big banks are closed. You'll have access to our 24/7 tech support remotely or in-person when you need it.

Save Time and Money with Spike Financial’s MOTO Payment Solutions


We can integrate your current operations with a solution designed to take MOTO (Mail Order/Phone Order) payments. The payment solution experts at Spike Financial are here to help. We’ll provide you a payment solution that meets your needs. You’ll also get access to multiple built-in reports to help you identify sales trends, prevent fraud and grow your business.

Your customers will be able to make payments via the internet, their phone, through your website, or even through the mail. With our cutting-edge card-not-present technology, you will have access to a secure payments solution without having to pay big-bank rates.

Plus you will never have to settle for average. We offer the latest payment solutions and level two and level three payments mean that you will never overpay for accepting credit cards at your business.

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.

How can I get help when I have a problem with my POS equipment?

Spike Financial customers get access to our Texas-based team of tech experts 24/7, including holidays and weekends. Our customers find that having access to tech support on demand ensures that their business stays up and running so that they can focus on more important things.


When you use a big bank’s merchant services department, you may not be able to get the help you need until they reopen. Even then, you may have to talk to several representatives before you finally get in touch with the right person.

What cards can I accept with a MOTO merchant account?

With Spike Financial, you’ll be able to accept any private label cards like gift cards or loyalty cards. You can take Visa, MasterCard, American Express, Diner’s Club, Discover, and POS/ATM debit cards. 

For What kind of equipment do I need if I switch to Spike Financial?

We don’t push one-size-fits all equipment. When you decide to switch, we’ll help you choose the equipment that meets the needs of your individual business. Our MOTO payment solutions run on the latest equipment and offer a seamless user experience. You’ll never have to sign an equipment lease; you won’t pay ridiculous big-bank equipment leasing fees with a Spike Financial MOTO payment solution.

What's the difference between a standard merchant account and a MOTO merchant account?

A MOTO merchant account allows you to take payments over the phone, through the mail, or over the internet. A standard merchant account uses chip-and-pin technology, which is generally perceived as being more secure since the customer is present at the time of payment.


You may pay higher rates for a MOTO merchant account because banks perceive these accounts as being more at risk for fraud. It’s important to choose your merchant services provider carefully to get the lowest possible rates without sacrificing service and support.

How long does it take to set up a new merchant services account and start MOTO credit card processing?

Like any other type of merchant services account, you should expect setup to take just a few days. The team at Spike Financial will be with you every step of the way to make sure you get through the process quickly.


First, you’ll need to get approval for a new merchant services account. This usually takes two to three days. The federal government requires certain documentation, so the timeline depends on our ability to get the required signatures from business owners.


Our tech experts can have your MOTO processing equipment up and running in one to two business days.

How much money can I save by switching to Spike Financial?

There is a lot of variation from one customer to the next. You don’t have to be surprised by rates, though. You can get a free statement analysis before you switch, so you’ll understand how much money you can expect to save by switching to Spike Financial.


We charge low rates, and we don’t force our customers to sign expensive equipment leases.

No matter how your customers want to pay, you'll be able to take every payment, every single time.

See how much money you can save on your payment processing fees with a free statement analysis.

Latest News

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