Yes—your transactions processthrough TSYS, one of the largest payment processors in the world (over $1 trillion in annual volume). You get the same enterprise-grade infrastructure as Fortune 500 companies. What Infiniti adds is the strategic layer: rateo ptimization that identifies every basis point of savings, dedicated support (not a call center queue), and a team that's invested in your success. We work with companies processing anywhere from $1M to $500M+ annually.

It depends on the specifics—we're selective about high-risk categories to protect our existing clients' rates. That said, we've successfully placed clients in many industries others won't touch, including CBD, nutraceuticals, travel, and firearms. Schedulea call and we'll be honest about whether we can help.

Yes—multi-location and multi-entity structures are actually where we add the most value. Most processors treat each location as a separate negotiation, leaving money on the table. We consolidate your volume for better rates, provide unified reporting across entities, and handle the complexity so you don't have to manage multiple relationships.

Yes. We set up unified processing across e-commerce, in-store terminals, mobile, and invoicing—with consolidated reporting that gives you visibility into all channels. No more reconciling between separate systems.

No catch—we're transparent about our model. We make money from the processing margin (the difference between interchange and what you pay). The key is that we don't need to overcharge to be profitable. Because we operate efficiently and negotiate strong rates from TSYS, we can offer you significantly better pricing than most processors while still running a healthy business. Our incentive is aligned with yours: keep you processing with us for years by delivering real value.

It depends on your current situation, but most businesses we audit are overpaying by 15-40%. For a company processing $5M annually, that's typically $15,000-$60,000 in savings per year. We'll give you an exact estimate during the free audit—no vague promises, just specific numbers based on your actual statements.

Interchange is the base cost set by Visa/Mastercard—it's the same for everyone. Tiered pricing bundles transactions into categories ("qualified," "mid-qualified,""non-qualified") and marks them up opaquely. Interchange-plus shows you the actual interchange cost plus a transparent markup. We exclusively offer interchange-plus because it's the only pricing model where you can verify you're getting a fair deal. If your current processor uses tiered pricing, you're almost certainly overpaying.

Interchange rates (set by Visa/Mastercard) change twice yearly—April and October. We notify you of any changes and explain the impact. Our markup, however, is locked in. We don't do "introductory rates" that creep up over time. The rate we quote is the rate you pay.

Common hidden fees include: monthly minimums, PCI compliance fees, statement fees, batch fees, annual fees, "non-qualified" surcharges, and early termination fees. We provide aclear, itemized fee schedule up front—no surprises. During your audit, we'll show you exactly which hidden fees your current processor is charging.

Yes. Dual pricing lets you offset 100% of your processing costs by offering a small discount for cash/debit while maintaining your standard price for credit cards. It's fully compliant, transparent to customers, and works well for many retail and service businesses. We'll help you implement it properly and ensure your signage and receipts meet all requirements.

You get a dedicated account manager—not a rotating call center—who knows your business and answers their direct line. For technical issues, we have 24/7 USA-based support. But honestly, the best support is proactive: we monitor your account for anomalies, alert you to potential issues before they become problems, and continuously look for additional savings opportunities.

We handle chargebacks as part of our service. When a dispute comes in, we notify you immediately with the documentation you'll need to respond. We guide you through the process and help you build the strongest possible case. For recurring billing clients, our technology also helps prevent chargebacks before they happen by identifying at-risk transactions.

You get access to our merchant portal with real-time transaction data, customizable reports, deposit reconciliation, and analytics. Most clients say they finally have visibility into their payments for the first time. You can access it from any device, download reports for your accounting team, and set up automated email summaries.

We integrate with all major POS systems, e-commerce platforms (Shopify, WooCommerce, BigCommerce, Magento, etc.), accounting software (QuickBooks, Xero, NetSuite), and ERP systems. For custom integrations, our technical team works directly with your developers. We've never encountered a system we couldn't connect to.

Call your dedicated account manager directly—not a generic support line. We investigate immediately, communicate clearly, and resolve issues fast. For critical situations (a large transaction stuck, a settlement delay), we escalate directly to TSYS on your behalf. You won't be navigating bureaucracy alone.

We simplify PCI compliance for you. Our terminals and gateways are pre-certified, we provide the annual SAQ questionnaire with guidance, and our team helps you understand exactly what's required for your business type. Many of our clients were paying separate "PCI fees" to their old processor with no actual compliance support—we include it as part of our partnership.

Yes. Transactions process through TSYS's bank-level infrastructure with end-to-end encryption. Card data is tokenized—we never store actual card numbers. Our systems are PCI DSS Level 1 certified (the highest level). We also provide breach protection and fraud monitoring tools as part of our service.

Our processing includes real-time fraud screening, velocity checks, AVS/CVV verification, and 3D Secureo ptions for e-commerce. For higher-risk or high-volume merchants, we can implement additional custom rules. The goal is balancing fraud prevention with approval rates—we help you find the right settings for your business.

Stripe, Square, and PayPal are aggregators—they bundle merchants together under their master account. This means simpler setup but flat-rate pricing (typically 2.9% + $0.30) that doesn't adjust for your business type, card mix, or volume. For businesses processing over $20K/month, you're almost certainly overpaying with aggregators. We provide true merchant accounts with interchange-plus pricing tailored to your business—which typically saves 20-40% compared to aggregator rates.

Banks typically resell third-party processing (often First Data or Worldpay) with significant markups and limited support. Their merchant services team has hundreds of products to sell—payments isn't their specialty. We're payments-only specialists. We usually beat bank pricing by 15-30% and provide dedicated support your bank can't match.

Payment consultants audit your statements and negotiate with your existing processor—valuable, but limited. We go further: we don't just find savings, we implement them. You get optimized rates through TSYS, ongoing monitoring (not just a one-time audit), dedicated support, and a team that's invested in your long-term success. Plus, our model is simpler: we make money on the processing margin, not consulting fees.

You might not need to—and we'll tell you that honestly. But "happy" often means "no major problems," not "optimized." Most businesses we audit are leaving 15-40% in unnecessary fees on the table without realizing it. The audit is free and takes 10 minutes of your time. If you're truly getting a great deal, we'll confirm it and you'll have peace of mind. If not, you'll have a clear path to savings.

Because the "big, established" processors are often the ones overcharging you. Their scale means you're just an account number to them—they have no incentive to optimize your rates or provide responsive support. When you work with Infiniti, your transactions still run through TSYS (one of the largest processors in the world), so you get enterprise infrastructure. But you also get a team that knows your business by name, answers when you call, and continuously works to find you savings. We have to earn your business every month—they assume they already have it.

No problem. We don't require volume commitments or minimums that penalize you during slow months. Your rates are based on interchange-plus—you pay the same markup whether you process $50K or $500K that month. We've worked with plenty of seasonal businesses (hospitality, retail, event-based) and structure accounts to accommodate variability.

Yes—and this is an area where significant savings hide. B2B and government purchasing cards qualify for lower interchange rates when you pass Level 2 and Level 3 data (line-item details, tax amounts, etc.). Most processors don't help you optimize for this. We ensure your transactions qualify for the lowest possible interchange categories, which can mean 0.5-1% savings on B2B volume.

Recurring billing is a specialty. Beyond competitive rates, we offer technology that dramatically reduces failed payments—smart retry logic, account updater services, and dunning management. Most recurring billing companies lose 5-10% of MRR to payment failures. We typically recover 30-40% of those declines that other processors write off.

Actually, yes—in a good way. Clean, optimized payments with transparent pricing and good documentation are part of a healthy business profile. Acquirers and PE firms notice when merchant services are a mess of hidden fees and unclear contracts. We help you present payments as a well-managed cost center, which can support your valuation story.

Not necessarily. If your new processor promised savings and didn't deliver, or if you're already seeing fees creep up, it's worth a conversation. We can audit your current setup and tell you honestly whether there's meaningful improvement available. Sometimes the answer is "stay where you are for now"—and we'll tell you that.

We hear this a lot—and we can help. The free audit gives you hard numbers (current costs vs. projected savings) that make the business case clear. We can also provide references from similar companies, a clear implementation timeline, and documentation of our track record. Many of our best client relationships started with a skeptical CFO who became a champion once they saw the data.