Prosper Payments

Payment Processing

Cheaper. Faster. Better.

We never push one solution over another. The best acquiring bank, POS terminal, or API stack depends entirely on where you are in business.

Stripe
Square
1PriceSwipes
ARAS
< $300k / mo

Small Business

Less than $300k Monthly Volume

Local retail, restaurants, service professionals, boutiques, and fast-growing businesses looking to eliminate processing fees and modernize POS.

0% Processing Program: Cash Discount & Dual Pricing
Authorized Square Partner: White-glove menu & hardware setup
Free Smart Hardware: Valor RCKT, VP100 & VP550 Android
Explore Small Business
$300k+ / mo

Enterprise

$300k and Above Monthly Volume

Mid-market businesses, multi-location brands, distributors, and high-volume merchant groups needing custom ERP rails and institutional interchange.

15–40 bps average reduction: Direct institutional interchange
Direct ERP Sync: NetSuite, Sage Intacct, QuickBooks & REST API
Fast Deployment: $0 migration cost & zero customer token loss
Explore Enterprise
Specialized MCCs

High Risk

Specialized, Regulated & Complex Industries

Supplements, CBD/vape, subscription billing, travel, gaming, firearms, card-not-present, or merchants terminated by Stripe or Square.

Direct Acquiring Match: Bank sponsors aligned with your exact MCC
Capped Rolling Reserves: Transparent timelines with clear exit terms
Chargeback Mitigation: Ethoca & Verifi pre-dispute alerts
Explore High Risk
15–40 bps
Average fee reduction per swipe
Days to Weeks
Fast live migration timeline
$336K
Saved for $68M client migration
1 Team
Single dedicated point of contact

Bring us your current processing setup.

We’ll show you exactly where we win.