Retail Merchant Services

Businesses have been accepting credit cards the same way for decades—but modern customers are constantly finding new ways to shop. Our processing solutions are built to meet the growing needs of your customers, not maintain the status quo.

Get it done with Zenti!

Credit card processing should be as painless as possible for your business.

That’s why we work with you to find a credit card processing solution designed to meet the growing needs of your brick-and-mortar business—big or small—no matter your industry.

  • Free Set-Up
  • Free EMV Terminal or Mobile Reader
  • Zero Hidden Fees
  • No Cancellation Fees

Retail merchant account application

Click the button, fill out the form and we’ll be in touch as soon as possible.

ACH Error

Improve your existing merchant account

Established merchants need more transparency from their providers, more affordable payment processing solutions, and a simpler process for accepting credit cards in their retail store.

Within 24 hours, we’ll get you set up with a seamless transition to processing solutions that are customized to you and your business.

Expand your payment acceptance reach

Accept credit cards in your store and on the go with countertop or mobile payment processing solutions.

We work with names you already know, love, and trust to customize your overall experience. Our services seamlessly integrate with 99.99% of all POS systems and software to customize your payment processing experience.

online merchant account

Fair, Transparent Rates.
Custom Pricing Available.

retail merchant account

In-Person & Retail Payments

Accept payments at your point of sale as well as in your store.

2.3% + 10¢



No set-up fee.
*No monthly charge.

online credit card payment processor

Card-Not-Present Payments

Take payments on your website, by invoice, or over the phone.

3.3% + 15¢



No set-up fee.
*No monthly charge.

*Applicable for businesses processing over $5,000 in monthly credit card transactions.

Our pricing is transparent.

What you see is what you pay, period. You can log in and see your Zenti rate at any time in your Dashboard.

You pay the same rate for every card.

Whether it’s Visa, Mastercard, Discover, or American Express, you pay the same rate.

No hidden fees.

No startup fees, authorization fees, statement fees, refund fees, PCI-compliance fees, business card fees—ever.

Our standard rates are designed for businesses that process less than $250,000 per year and have an average ticket size under $50. We design pricing packages for larger businesses depending on payment volume, average transaction size, your processing history, and more. We’d love to have a conversation about it.

high risk merchant account

We ensure that your business can process payments with a high-risk merchant account.

merchant account

E-commerce is easier than ever with simple and secure online payment processing.

retail merchant account

Streamline in-store payments with solutions to fit your unique business.

integration merchant account

Do away with manual tracking. Integrate your systems for greater accuracy and better forecasting.

merchant account EBT

Accept EBT payments through the same or separate terminals used for credit card and debit card processing.

mobile credit card payments merchant account

Cut the cord and accept payments anywhere and anytime. Your customers will love you

Additional Merchant Services

While credit and debit cards reign supreme, there’s more that goes into running a successful business than processing card transactions. We offer a full range of services and solutions to help grow your business.

merchant account gift cards

Gift Cards

Gain new customers and increase sales by offering gift cards for your business. Businesses that offer gift cards often see that customers spend more than the original gift card value and can become repeat customers.

Whether you’re looking for an all-in-one bundled option or custom cards and carriers, we can develop the gift card solution your business needs to succeed.

Loyalty Programs

Retain and increase the value of your current customers. Customers like to be rewarded for their loyalty too!

Real-time reporting, analysis, and fulfillment services create a customized end-to-end customer loyalty program to target your best customers.



Generate more revenue for your business by offering an ATM on-site. Increase foot traffic to your business and increase revenue through ATM transaction fees.

Zenti offers three different options for ATM payment solutions and will work with you to determine which solution is the best fit for your business.

merchant account loans

Business Loans

Fund the future of your business! Get the funding you need to grow your business and start planning for the future.

We’ll work with you to secure the needed capital by matching the information you provide with the best loan options available.

echecks merchant account

Check & eCheck

Accept and process checks with confidence. Check and e-check processing today works very much like debit card transfers. Processing checks through an electronic network results in lower fees than credit card processing.

When you accept checks with Zenti, our electronic check processing screens our database for risky checks and instantly approves or denies accordingly, significantly reducing the risk for our clients.

ach payments merchant account

ACH Payments

Create new opportunities with ACH payments. An ACH payment is a type of payment processing that involves an automatic and electronic transfer of payments between banks.

The process of accepting ACH payments is simple and the processing fees are often lower than other payment methods. Zenti offers ACH payment processing as part of its merchant services.

credit card processing online

Flexible Integrations Simplify Payment Processing

We work with you to help you get the payment processing services and security that best meets your needs according to your industry and the individual demands of your business. Our gateway integrates with a growing list of 175+ shopping cart solutions to accept and process your transactions made online.

Tied to a specific gateway and don’t want to use ours? We integrate with 99.99% of all payment gateways on the market to process your online shopping cart transactions. We’re committed to working with you to develop a comprehensive option for accepting payments online.

Effortlessly sync transactions with QuickBooks

Skip the manual tracking and double entries. We seamlessly integrate with QuickBooks SyncPay to handle your transactions from start to finish. 

From processing the transaction, to creating the appropriate accounting entry, to marking the transaction as paid, your transactions are handled all from right within your QuickBooks interface.

We get it—processing payments with your invoicing software is quick and convenient. But it’s also costing you more in fees and time spent on hold with customer service. We’re dedicated to you and your success, which is why our pricing is transparent and our 24/7 support team is committed to helping your business run smoothly. 

Change is hard, but we make the transition simple and seamless, so you never experience downtime.

ebt snap merchant services

Payment Processing Features

We understand that time is money. So we provide the tools you need to create simple, secure online payment experiences for your customers.

merchant account credit card processing

Account Updaters

Maintain customer data accuracy and prevent any service gaps from account changes.

merchant account credit card processing

Data Security

Maintain customer data accuracy and prevent any service gaps from account changes.

merchant account credit card processing

ACH Payments

Make payments quicker and more convenient for customers while lowering your costs.

merchant account credit card processing

Fraud Protection

Cut down on chargebacks and secure your payments from the threat of fraud.

merchant account credit card processing

Subscription Billing

Simple billing and processing for recurring memberships, products, or services subscriptions.

merchant account credit card processing

Virtual Terminal

Manage payments from anywhere with easy online access.

Trusted By

high risk merchant account ph
high risk merchant account pc
high risk merchant account kfc
high risk merchant account hil
high risk merchant account sub
high risk merchant account bp