Lower Rates. Faster Funding.
Zero Hidden Fees. Guaranteed.
Trusted by businesses nationwide for published pricing, next-business-day deposits, and enterprise-grade security backed by PCI DSS Level 1 compliance.
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
A Complete Online Payments Platform.
Everything you need to get paid faster, all in one dashboard.
Virtual Terminal
Accept payments from any device, anywhere, no hardware required.
Invoicing
Send professional, branded invoices and get paid in as little as one click.
Recurring Payments
Automate subscription billing with enterprise-grade reliability.
A complete payments platform, built for scale
Built to Scale
Grow your transaction volume without ever renegotiating your rate.
Security first
PCI DSS Level 1 compliant infrastructure with encryption on every transaction, the same standard used by leading financial institutions.
Fast, Reliable Funding
Get paid next business day, every time, with real-time reporting built into your dashboard.
POS Integration Solutions
Connect with leading point-of-sale systems for unified in-store, mobile, and online payment acceptance.
Industry-Specific Processing
Purpose-built processing for retail, restaurants, and high-risk industries, each with a risk profile suited to your business.
Terminal & Hardware Support
Full support across Clover, Verifone, PAX, and other major terminal brands. No need to replace hardware you already trust.
Chargeback Management
Proactive dispute resolution and fraud monitoring built to keep your chargeback rate low.
Unified Dashboard
Track every transaction, report, and analytic in one real-time dashboard.
Developer First
Full API access with documentation and SDKs for custom integrations.
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
My favorite thing about working with Lock Merchant Services is the fees that I save every month, as well as the customer service.
My favorite thing about working with Lock Merchant Services is the fees that I save every month, as well as the customer service.
My favorite thing about working with Lock Merchant Services is the fees that I save every month, as well as the customer service.
Stuck with your provider? We got you covered.
We made it easier for you to transition to Lock Merchant Services and if you have cancellation costs or equipment costs, we’ll waive up to $500 of your processing fees.
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
Start Saving on Processing — Talk to Sales
Give your customers more ways to pay — and get faster access to your funds.
No credit card required for sandbox access.
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