Our Payment processing Services

Industry Leading Solutions

We serve low-risk to high risks industries everywhere where credit card, ACH, e-invoicing, e-wallet, cryptocurrency, and all forms of electronic payments are made for businesses based in the U.S. and Canada.

Low or No Processing Fees

We provide the lowest fee and transaction rates possible for your industry and business. Often times we can eliminate 100% of your payment processing fees.

Customized Solutions

Being vendor agnostic allows us to recommend the best in industry payment solutions to support your business goals, both domestically and globally.

24/7 Customer Support

No matter what you need day or night, our customer service department and vendor partners are here to support you in every way possible 24×7.

What We Do For You

Additional Payment Services

Additional products & programs available to support your business.

  • Auto Account CC Updater
  • Automated Chargeback Resolution
  • Buy Now Pay Later-BNPL
  • Crypto Payments (coin to USD conversion at the time of transaction. No loss in value or volatility to worry about $1 to $1)
  • E-Commerce
  • E-Invoicing
  • Gift & Loyalty Cards
  • Level-2 & Level-3 Processing
  • QR code payments
  • Recurring Billing & Subscriptions
  • SMS & Text-2-Pay options
  • Tap-2-Pay
  • Mobile Processing
  • Multi-Currency (support for over 150+ global currencies for international transactions)
  • Multi-levels of Fraud Prevention

ATM Machines

For locations that have high customer traffic, you can offer convenient ATM machines for your customers that prefer to pay with cash.

  • ATM machines can be placed inside or outside
  • There is no cost to the business to setup and enable each ATM machine
  • Each machine is maintained, monitored 24×7, cash levels monitored 24×7, armored car auto dispatched for restock to prevent cash runout
  • You earn a percentage of the transaction fee paid by the customer
  • You have the option to wrap each machine with your organizations branding, or logo
  • We specialize in compliant ATM placement, set up and support for CBD & Cannabis dispensaries
  • Armored car cash management services also available for additional store to bank cash transport needs

Crypto Currency Payments

Add crypto currency as another secure payment option for your customers across all of your payment channels.

Our crypto currency processors convert the crypto coin into local currency (fiat) at the time of transaction. Meaning there is no risk of coin volatility or loss in value.

Some benefits of offering crypto payments.

  • Available in every country where crypto is legal
  • No monthly fees
  • Low transaction fees
  • You can pay the transaction fees, pass the fees onto the customer or split the fees with your customer
  • Loyalty programs
  • 150+ crypto currencies accepted
  • Secure wallet to wallet transactions
  • Crypto currency transactions cannot be “charged back”
  • More secure payments
  • Low risk of consumer fraud
  • Ideal for high risk industries
  • Ideal for industries susceptible to high incidents of chargebacks
  • Can perform single crypto transactions without setting up a crypto payments account (i.e. one-off, secure, compliant, high dollar, cross country transactions)

Standard Rates & Dual Pricing

We offer low payment processing rates where the business bears all of the costs.

Additionally, we offer (compliant) Share-The-Fee, Dual Pricing program that allow the business to offset their processing fees by displaying a credit card price and a cash price. Leaving the choice of what payment type to use up to the customer. Or splitting the fees with the customer to offset the expense.

As a Turtle Bay Share-The-Fee, Dual Pricing client, you will also enjoy.

  • 0% Markups
  • No Interchange Fees
  • No Batch Fees
  • No Swipe Fees
  • No Statement Fees

* Dual Pricing is available in all 50 states


  • We work with you hand-in-hand discussing, designing, training, and implementing the best payment solutions for your needs
  • Schedule a complimentary Cost Savings Analysis with us today and we will respond within 24-48 hours with a no-obligation quote
  • We also provide other critical business solution recommendations. Check out our “Solutions” page for more details
  • Our consultations are always complimentary. Our goal is to ensure you are making well informed decisions around the solutions that best support your business whether you decide to work with our recommended solutions or not

Payment Types

We provide all types of payment processing options for your business.

With omnichannel solutions you can offer your customers every possible payment form.

  • Visa
  • Mastercard
  • Discover
  • Amex
  • Apple Pay
  • Samsung Pay
  • Google Pay
  • ACH
  • Debit Card
  • Crypto Payments (instant coin to USD payments) no risk in loss of value, no volatility. $1 to $1 exchange
  • And more…

POS Hardware, Devices & Bundles

  • Whether you need a single POS or a combination of POS devices, bundles, and terminals throughout your businesses, offices, retail stores, restaurants, or stadiums we have partnered with over 10+ POS vendors with the latest state-of-the-art devices and terminals for you to choose from
  • In striving to keep your business costs down, often times we can re-program the devices you already have or upgrade you to new devices (only if needed)
  • All POS hardware at Turtle Bay is sold at our COST to our clients. We will never profit off of your hardware needs and often times we can provide free hardware solutions as well
  • Tell us what you want and need to help your business thrive and we will help you get there

Quick Funding

As a business leader, we understand that you need your cash flowing through your business as quickly as possible and offer same-day or 1-day funding (for low-risk industries) from our partner banks.


If you are not receiving your funding the same day or within 24 hours we can help you start getting your money faster now.

Let's Get Started

Ready to take your business to the next level?

Contact us today for an introduction and a complimentary Cost-Saving Analysis.