Merchant Processing
For businesses that need a standalone merchant account, Top Choice Payments works with Luqra to set up in-person, online, and bank (ACH) payments, including for high-risk industries.
Merchant processing, gateway, ACH, and high-risk accounts are provided by Luqra and its banking partners. Top Choice Payments is an independent sales agent.
Logos are trademarks of their respective owners; use does not imply endorsement.
Card-present processing for storefronts, counters, and mobile sales: countertop terminals, POS setups, and mobile card readers. We help match equipment to how you check customers out.
Accept cards online through a payment gateway: on your website checkout, through invoices and payment links, or by keying phone orders into a virtual terminal.
Let customers pay straight from a bank account. ACH is common for recurring billing, invoices, and larger payments.
Banks and card networks treat some industries or business histories as higher risk. We help these businesses apply for a high-risk merchant account through Luqra.
Every application is underwritten by the processor. Approval is not guaranteed, and requirements and terms for high-risk accounts are set by the processor and can differ from standard accounts.
Some businesses show customers two prices, a cash price and a card price (dual pricing). Others add a surcharge to credit card transactions. These programs can change how card costs are shared with customers, but they come with rules.
We will explain how each program works and what it requires so you can decide. This is general information, not legal advice. Check the current rules for your state before you start a program.
What we offer
We work with two payment partners. Which one fits depends on whether your payments run inside a software platform or through a standalone merchant account.
Provided through Full Stack Payments
Using, or thinking about, one of these software platforms? We can set up payments built into it, so they run in the same system you use to book, invoice, and manage customers.
Provided through Luqra
Need a standalone merchant account? We help businesses get set up to take cards in person, online, and by bank transfer.
Top Choice Payments is an independent agent. Full Stack Payments and Luqra, along with their banking partners, provide the payment services and make all approval decisions.
Logos are trademarks of their respective owners; use does not imply endorsement.
Tell us how you sell today and what software you use. We will point you to the option that fits, or tell you if we are not the right match.