Keep More of Every Sale.
Reduce Processing Costs. Get Real Support.
Business owners shouldn't have to choose between lower costs and better service. Arrow & Birch Payments delivers both. Reduce or even eliminate traditional processing expenses through compliant cash discount programs, competitive merchant account solutions, and personalized support from a real representative.
Works with the hardware you already trust
Stop Paying Hidden Fees Every Month
Most processors bury fees inside your statement. We don’t.
Monthly Fees You Won't Pay With Us
- PCI Compliance Fees($19–$99/mo)
- Statement Fees($10–$25/mo)
- Batch Fees
- AVS Fees
- Gateway Fees
- Annual Fees
- “Non-Compliance” Penalties
- Junk Add-Ons Banks Sneak In
With Us
- Transparent pricing
- No junk fees
- No surprises
- You keep more of every transaction
Get a precise quote in 1 business day.
See how much you’re losing
Adjust the sliders to match your current processing.
Based on industry average rates from traditional processors
Accept payments Online.
Simplify your business operations with our online payment solutions.
Virtual Terminal
Accept payments from any device, anywhere in the world.
Invoicing
Send professional invoices and get paid faster.
Recurring Payments
Automate subscription billing with ease.
A complete payments platform, built for scale
Scale without limits
Process millions of transactions per month with enterprise-grade infrastructure built for growth.
Security first
Bank-level encryption, PCI DSS Level 1 compliance, and fraud detection that works 24/7.
Lightning fast
Near-instant settlement, real-time reporting, and global payment acceptance in one platform.
POS Integration Solutions
Seamlessly connect with leading point-of-sale systems. Accept payments in-store, on the go, or online with unified reporting.
Industry-Specific Processing
Tailored solutions for retail, restaurants, healthcare, and high-risk industries with custom risk profiles.
Terminal & Hardware Support
Comprehensive hardware support across all major terminal brands.
Chargeback Management
Proactive chargeback prevention and dispute resolution. Keep your dispute rate low with AI-powered fraud detection.
Unified Dashboard
One dashboard to view all transactions, reports, and analytics in real-time.
Developer First
Comprehensive APIs with full documentation and SDKs.
Tailored for every business model
Your processing, policies, and settings are configured to match your business model.
Retail & E-commerce
Grow your storefront
Accept payments in-store and online with unified reporting, inventory sync, and customer insights.
- Omnichannel payment acceptance
- Inventory & customer management
- Loyalty & gift card programs
- Real-time sales analytics
Restaurants & Hospitality
Made for food service
Full-service POS with table management, split checks, tips, and integrations with top delivery platforms.
- Table & order management
- Split tickets & tips handling
- Kitchen display system
- Delivery platform integration
SaaS & Subscriptions
Recurring billing, simplified
Automate subscription billing, handle dunning, and reduce churn with intelligent retry logic.
- Flexible subscription plans
- Automated dunning & retries
- Customer portal included
- Revenue recognition reports
Powerful hardware for every setup
Reliable terminals designed for in-store, mobile, and multi-location use.
Countertop POS
All-in-one countertop solution
Complete point-of-sale system with integrated payment processing, inventory, and reporting.
- Large HD touchscreen display
- Built-in receipt printer
- App marketplace with 300+ apps
- Employee management & shifts
Tablet POS
Flexible mobile point of sale
Turn any tablet into a powerful POS system that moves with your business.
- Portable & lightweight design
- Intuitive touch interface
- Integrated payment processing
- Real-time inventory sync
Handheld Terminal
Compact wireless payment terminal
Take payments anywhere with our all-in-one handheld terminal.
- Wireless 4G + WiFi connectivity
- Long-lasting battery life
- Tap, dip, & swipe payments
- Compact pocket-sized design
Switching to Arrow & Birch saved our restaurant thousands in processing fees within the first few months. The cash discount program was easy to implement, and our customers barely noticed the change.
The transition was seamless. We got a free terminal, and our dedicated rep actually answers the phone when we call or text him. No more call center runarounds!
Finally, a company with transparent pricing. We wiped out our credit card fees almost entirely, which goes straight to our bottom line.
Stuck with your provider? We got you covered.
We make switching easy. Qualified businesses may be eligible to have cancellation fees, equipment costs, or other transition expenses covered when moving to Arrow & Birch Payments, helping ensure a smooth and affordable transition.
Don’t see your provider listed? Contact us for personalized assistance, and we’ll help you with any administrative paperwork required to cancel your existing contract.
Discover our deception-free pricing
No games, just transparency.
No setup fees. No hidden monthly charges. Transparent pricing based on your processing volume.
No account monthly fees
No minimums, software fees, or statement fees.
No cancellation fee
No contracts, termination fees or cancellation fees
Get paid faster for free
Next-business day deposits on credit card and debit transactions
Stop Overpaying For Credit Card Processing
Reduce or even eliminate traditional credit card processing costs with compliant payment solutions, dedicated support, and flexible merchant account options designed for your business.
Many businesses qualify for lower processing costs, upgraded equipment, and assistance with transition expenses.
Frequently asked questions
Everything you need to know about our platform.
Let’s talk about your needs
Our team is ready to help you find the right payment solution