All-In-One Payment Processing Services

Seamless Digital Payments

Credit Card Processing

Accept Credit & Debit Card Payments

No matter if you sell online, in-store, or both — having a merchant account that supports your business is essential to growth.

Our Solutions Include:

Credit Card Terminals – reliable countertop and wireless options
POS Systems – tailored to your business needs
Payment Gateways – secure online processing
Full PCI Compliance – keeping customer and business data protected
Subscription & Recurring Billing – manage subscriptions with ease
Invoicing – send and track digital invoices instantly
Chargeback Prevention Tools – stay ahead of chargebacks

Zero Processing Fees Program

RAC Financial gives businesses multiple ways to eliminate or offset credit card processing fees, putting more money back into your bottom line.

Our Programs:

Dual Pricing & Cash Discount – Eliminate 100% of processing fees by presenting a cash price and a card price, fully compliant with card brand rules and approved in all 50 states. We provide signage and support for a smooth rollout.
Surcharge Program – Add a small fee to credit card transactions while offering debit and cash at no extra cost. This keeps you compliant with Visa, MasterCard, and state regulations, while passing processing costs directly to credit card users.

With RAC Financial, you can choose the program that best fits your business model—all designed to reduce or eliminate processing costs while staying 100% compliant.

ACH & Virtual Card Payments

Accounts Payable Solutions

Pay Suppliers & Vendors Faster — streamline every transaction with secure, digital payments.
Automate & Monetize Your Payables — cut down manual work while turning payments into a profit center.
Expand Payment Options — give your vendors more ways to get paid, on their terms.
Gain Full Visibility — track, manage, and optimize supplier payments in real time.

Banking & Payroll

Seamless Merchant Account Connection – link your merchant services directly to banking and payroll.
Faster Funding – accelerate cash flow with next-day (or same-day) deposits.
Optimize Your Working Capital – keep more money available to run and grow your business.
Integrated Payroll Solutions – simplify employee payments and compliance with one connected platform.