Custom Payment Solutions

Never settle for one-size-fits-all merchant services. We custom-design your payment solution to meet the individual needs of your business.

Excellent Prices

With Spike Financial, you'll never sign an expensive lease. We charge low prices for the highest-rated hardware. Enjoy low processing fees with a flexible solution that grows with your business.

24/7 Tech Support

Our remote and on-site techs are there when you need help most. We are open, even when other merchant service providers are closed.

Spike Financial serves customers across the country and throughout Texas in cities such as Houston, Dallas, Waco, Temple, Killeen, Tyler, Austin, San Antonio and many more.

Free Statement Analysis

Wondering how to reduce your merchant service costs? Spike Financial provides prospective customers with a free statement analysis.

Find out how to get better service, faster equipment, and lower rates with your free statement analysis.

Get powerful business management tools

  • Multiple built-in reports
  • Manage stock easily—even with multiple locations
  • Simplify multi-location ordering
  • Share customer or patient data across multiple locations
  • Securely manage payments from anywhere
  • Fully-integrated software designed for your business type

Take every card payment using a single terminal

  • EBT
  • PIN Debit
  • EMV Chip
  • Apple Pay
  • Samsung Pay
  • Credit/Debit Tap
  • HSA Debit Cards
  • FSA Debit Cards

Payments Anywhere, Anytime

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


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 do I know which payment processor to select?

You have a lot of options when it comes to choosing a payment processor. It’s crucial to consider whether you’ll have access to 24/7 tech support to minimize your downtime. With Spike Financial, you’ll have support from our Texas-based team of merchant services experts, even on holidays and after regular banking hours.
There are many ways to accept card payments, so choose a payment processor that allows your business to accept every payment, every time. Avoid signing a lease for equipment. Getting locked into an expensive lease could limit your ability to upgrade equipment as your business grows and changes.

Is credit card processing secure?

90% of all data breaches have an affect on small businesses. EMV chip cards help stop fraud at the retail business level. When you use the newest technology to keep your business information and your customers’ personal information secure, you can eliminate most forms of fraud. Lean on our team of security experts to make sure that your anti-fraud tools are up-to-date.

Will my business qualify for a merchant account?

Spike Financial’s merchant services experts work hard to help you get approved for a merchant services account that meets your needs, includes fair pricing, and gives you access to the equipment you need to take every payment, every time.

How much will payment processing cost?

With Spike Financial, you’ll never have to sign an expensive lease. We make sure our customers have access to fair pricing models and one-time low-priced equipment fees.
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 customize every merchant services setup to meet your individual needs.

What payment types can I accept?

We make sure our customers can easily accept every type of payment. EMV chip compliance is a big issue for businesses that don’t have up-to-date equipment. You can rest assured that with Spike Financial, you’ll be able to offer your customers contactless payments and in-person payments from any major credit and debit card brand.

What type of POS terminal do I need?

When you choose Spike Financial, you’ll have immediate access to our team of merchant services experts. We’ll custom-design a POS system to help support your business goals.

How long does it take to get approved and set up for a merchant services 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.

How can I get help if my POS equipment isn't working?

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, our tech support work with you to provide answers quickly.
When you use a big bank for your merchant services you many not have access to help when you need it most. Spike Financial technical support is available on holidays and after regular banking hours to help with with any issue that you might have.

Latest News

Payments in Focus | Insight that keeps you ahead of change | Never Miss a Blog

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    Statement Analysis Request Form

    Please complete the short form below and upload your current merchant statement to receive a free, no obligation, statement analysis.


      Upload Merchant Statements


      Allowed file formats (.jpeg, .jpg, .png, .pdf, .xls, .xlsx, .doc, .docx)
      Max file size allowed: 5MB