Honest advice. Clear costs.
We explain transaction charges, recurring fees, commitments, and trade-offs so you understand the full cost before choosing.
Payment processing
Confusing rates.
A trusted partner on your side.
Honest advice, transparent pricing, personal service, and payment integrations built around the way your business works.
More clarity. Less guesswork.A low advertised rate
A low advertised rate
is not the whole story.
Processing statements can be hard to read. Transaction rates, monthly charges, equipment, software, funding, and contract terms all affect what you actually pay.
You deserve a partner who explains the full picture and stays involved. We put honesty, transparent pricing, and responsive personal service at the center of the relationship. Cayenne works with multiple processing partners to compare suitable options and advocate for competitive rates, useful funding arrangements, and the right fit for your business.
Personal service that follows through
One familiar team helps with the review, onboarding, and coordination when your processor or integration needs attention.
Integration expertise
We help match processors, platforms, gateways, and payment workflows to your POS, accounting software, online ordering, and business systems.
Funding that fits your cash flow
Explore eligible same-day or instant funding programs, including options for seven-day availability and holidays where supported. We explain cutoffs, fees, and conditions.
Payments that fit your systems.
The right rate matters. So does the right integration.
We help you choose compatible platforms and gateways so payments work with the tools you already use. For example, we can assess ways to connect payment collection with QuickBooks through a supported integration while exploring our processing partners’ pricing and funding options.
We check the actual workflow—collecting payments, matching invoices, recording fees, and reconciliation—before recommending a setup. Integration capabilities vary, and an alternative processing arrangement may require a separate gateway or app rather than the native QuickBooks Payments service.
Get paid on a schedule that works for you.
For eligible accounts, we can explore same-day and instant funding options, including programs that support seven days a week and holidays. Availability depends on the processor, receiving bank, payment method, approval, cutoffs, and applicable fees. We confirm the details of your program before you commit.
A comparison built around your business.
01
Start with what you know
Your three most recent processing statements help us make a more accurate comparison. If you have fewer, send what you have. No statements are required to start the conversation.
02
Review the full cost
Compare volume, transaction mix, fees, funding requirements, equipment, and commitments.
03
Find the right fit
Review suitable partner options, integration requirements, and a written proposal before deciding.
Considering an automated estimate?
A future guided tool can ask about monthly volume, average ticket, card-present versus remote payments, and current fees to provide a preliminary comparison using approved partner pricing. It is a future addition. Today, our team reviews your statements directly. Any estimate will be illustrative—not a quote, approval, or guarantee of savings—and will require verification and human review.
Processing and POS, planned together.
Opening a new location or moving to a different POS can involve significant upfront expense. For qualifying accounts, processor-funded equipment programs or other arrangements can help reduce the initial outlay. No upfront cost does not mean no cost: the written offer explains how the equipment is funded, ongoing fees, commitments, ownership, and any early-exit obligations. Same-day, instant, seven-day, and holiday funding availability is confirmed for your selected program, including eligibility, receiving-bank requirements, cutoffs, and fees.
Rates and results depend on underwriting, transaction mix, card types, volume, integrations, and contract terms. Cayenne does not guarantee the lowest rate, approval, deposits, or savings. Processing is provided under a separate agreement with the selected partner.
Questions, answered
Payment processing & rate reviews
How do you compare processing rates fairly?
We look beyond a headline rate to transaction mix, recurring fees, equipment costs, funding, integrations, and contract terms. We work with multiple partners to compare suitable options and advocate for competitive terms—not promise the lowest rate in every situation.
What information helps with a rate review?
Your three most recent processing statements give us a fuller picture of your rates, fees, and transaction mix, helping us make a more accurate comparison. If you do not have three, send whatever you have—we can start there. Approximate monthly volume, average transaction size, and the mix of in-person, keyed-in, and online payments are also helpful. These details are optional to begin a conversation.
Are estimated savings guaranteed?
No. A preliminary comparison is not a binding quote or savings guarantee. Actual pricing depends on the proposed terms, eligibility, card and transaction mix, fees, and underwriting. Any future calculator will need to disclose its assumptions and be reviewed by our team.
Is a no-upfront-cost POS really free?
No upfront cost does not mean no cost. Opening a location or switching POS systems can put pressure on your budget. For eligible businesses, we can explore processing-funded equipment or other arrangements that reduce the initial outlay and help preserve cash for the rest of the project. The equipment and services still have a cost, which may be recovered through processing revenue, ongoing fees, financing, or contract commitments. We explain how the offer is funded, what is included, and any ownership or early-exit obligations before you decide.
Can you help with integrations and deposit options?
Yes. Integration is a key part of our service: we help find suitable platforms and gateways for your POS, accounting software, and online payments, including supported QuickBooks workflows. We can also compare eligible same-day and instant funding programs, including seven-day and holiday options where supported. We confirm compatibility, funding conditions, fees, and bank requirements for the specific arrangement.
Free processing review
Give us the numbers that matter.
Your three most recent processing statements help us make a more accurate comparison. If you have fewer, send what you have. Approximate answers are welcome and every financial detail is optional.