Technology
State-of-the-art, top to bottom.
Pecos is a full-service integrated payments and software provider — modern processing, modern hardware, and cloud-hosted operations software engineered as one platform.
Security
PCI DSS 4.0
Processing aligned to the current PCI DSS 4.0 standard, with quarterly attestation on the merchant side.
Tokenization
Card data replaced with network tokens at capture — the raw PAN never lands in your stack.
Point-to-point encryption
P2PE from certified terminals to the processor — encrypted before it leaves the countertop.
3-D Secure 2 (3DS2)
Frictionless authentication on online transactions, with liability shift where the card issuer supports it.
Hardware & acceptance
EMV chip + contactless
Certified terminals across countertop, portable, and mobile — with Apple Pay, Google Pay, and tap-to-phone.
Semi-integrated & cloud POS
Terminals that talk directly to the operations platform — orders, tips, splits, and refunds stay in sync.
Same-day funding
Eligible batches fund the same business day, so cash flow doesn't wait on the weekend.
Platform & integrations
Cloud-hosted operations software
Multi-region hosting, automatic updates, and a 99.99% uptime SLA on the software side.
Embedded checkout & APIs
Hosted pay pages, embedded fields, and REST APIs for the teams that want to build on top of us.
Data & reporting exports
Scheduled exports and webhooks feed your accounting, BI, and back-office tools without brittle scraping.
Standards & certifications
One vendor, whole stack.
Software, payments, hardware, and support — engineered together and deployed for you.
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