Payments
Every way your customers pay.
In-store, online, recurring, ACH — Pecos Payments processes it all on one merchant account and lands it in the same ledger as the job, invoice, or shift that earned it.
Full-service processing
One provider, one statement, one team on the phone — across every acceptance channel a small business needs.
Card present
EMV chip, magstripe fallback, and PIN debit on countertop and mobile terminals — with tips, splits, and receipts.
Contactless & mobile wallets
Tap-to-pay with Apple Pay, Google Pay, and contactless cards on modern terminals and phone-based readers.
Online & hosted checkout
Branded pay pages, embedded checkout, and one-click links you can text or email to any invoice.
Recurring & subscriptions
Automated billing on any cycle, retry logic, dunning, and card updater to keep revenue on the books.
ACH & bank transfer
Lower-cost ACH for larger tickets, B2B customers, and recurring plans — netted into the same statement.
Invoicing & QR pay
Send an invoice, drop a QR on a printed ticket, and reconcile the payment against the job automatically.
Under the hood
State-of-the-art payment stack
Modern security, modern rails, modern uptime — the same infrastructure the biggest processors run, priced for the operators who actually run small businesses.
- Point-to-point encryption (P2PE)
- Tokenization & network vaulting
- EMV 3-D Secure (3DS2) for online
- PCI DSS 4.0 aligned processing
- Card account updater
- Level II / Level III data for B2B
- Surcharging & cash discount programs
- Same-day funding on eligible batches
Wired into the platform
Payments aren't a bolt-on
Every swipe, tap, invoice, and ACH lands in the same system that runs your CRM, scheduling, inventory, and reporting. No second portal, no midnight reconciliation, no "which tool did that go into?"
- One merchant account across in-store, online, and recurring
- Deposits reconciled against jobs, invoices, and tickets
- Refunds and disputes handled inside the customer record
- Owner dashboards show revenue, fees, and margin together
Bring us your last statement.
We'll benchmark your current rates against a fully integrated Pecos deployment — usually in under 24 hours.
Request a rate review