Honest pricing
Your true effective rate in plain English, before you sign anything. If we can’t beat your current deal, Michael says so — and you keep his number anyway.
See exactly what you’re overpaying — free, in 24 hours.
Text one statement photo. Michael shows your true rate in plain English.
No forms. No meetings. No obligation to switch.
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It’s free — even if you stay put About a third of merchants are told their rate is already fair. You still get a clear answer.
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One photo. Usually within a day. No portal. No 12-field form. Text a statement and get your true rate in plain English.
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If you switch, Michael stays on your cell Next-day funding on qualified sales. Deposits, chargebacks, terminals — text the same person two years from now.
Prefer to talk it through? Book 30 minutes with Michael.
No pitch deck. No pressure. Bring a statement and leave knowing your real rate — whether you switch or not.
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Free fee checkup
Payments, POS, and back-office — after you know your real rate
First: the checkup. Then, if you switch, BPS covers the whole chain — terminal, deposit, and the dispute nobody else wants to handle.
Take every payment, everywhere.
Countertop terminals, full POS systems, Square, Tap to Pay, online checkout, invoicing. Set up around how your shop already runs — not the other way around.
Explore accept payments →
The back office, off your plate.
Next-day deposits, chargeback defense, PCI compliance without the junk fees, and reporting you can actually read. When something breaks, you text Michael — not a ticket queue.
Explore run your business →Why merchants stay
Merchants don’t leave processors who tell them the truth
Fast funding
Qualified sales fund the next business day. If a deposit ever looks short or late, you get a real answer the same day — from a person, not a portal.
Secure & compliant
PCI-DSS compliant processing with straight guidance. No mystery “compliance fees” bolted onto your statement.
Live support
Deposits, chargebacks, terminals, POS glitches — solved in minutes over text or a call. Two years from now, it’s still Michael who answers.
Industries
Built for how your business actually takes payments
A restaurant’s problems aren’t a tire shop’s problems. Michael has set up all of them — tips and tabs, high-ticket approvals, field crews on mobile, multi-location retail.
Restaurant
Tips, tabs, kitchen tickets, and deposits you can plan payroll around — with POS gear that keeps the floor moving on a Friday night.
Explore restaurant solutions →
Restaurant
Tips, tabs, kitchen tickets, and deposits you can plan payroll around — with POS gear that keeps the floor moving on a Friday night.
Retail
Fast checkout lines, clean end-of-day reports, and inventory-friendly POS — same counter workflow, smaller processing bill.
Specialty & high-ticket
When other processors say no on high-average tickets, Michael gets it underwritten — with straight guidance instead of surprise holds.
Free fee checkup
Three steps. No forms. No meetings. No obligation.
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Text Michael
Text (575) 779-5505. A real person replies — usually within the hour.
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Send one photo
Snap one recent merchant statement. That’s all he needs.
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Get the truth
Your real effective rate, line by line, in plain English — usually within a day. Fair deal? He tells you. Overpaying? He shows you exactly where.
Worst case: you confirm your rate is fair and sleep better. Best case: you stop losing thousands a year.
Resources
Straight answers for growing merchants
Guides and checkups that help you decide — without the processor sales script.
Rates
See sample rates in plain English
What fair processing can look like before you send a statement.
Accept paymentsIn-person, online, and on the go
Terminals, Square, Tap to Pay, and hybrid setups that fit the floor.
SpecialtyWhen others say no on high-ticket
Clear underwriting guidance for hard-to-place and high-average tickets.
BlogTips that actually save money
Chargebacks, funding, and statement red flags — without the jargon.
Integrations
Works with the tools you already run
Square, existing POS, online checkout, and mobile — Michael helps wire processing into your stack without a call-center maze when something breaks.
- Mobile apps & Tap to Pay
- Websites & online checkout
- POS systems & terminals
Proof
Same sales. Same customers. Thousands less in fees.
Real statements from real Texas-area merchants. Names withheld — the math isn’t. Results vary, which is exactly why the checkup is free.
Food · Restaurant group
Was overpaying $72,000 a year. Now it isn’t.
$18k/mo $12k/mo
Workflow unchanged.
Auto · Tire shop
$2,700 a year in junk fees — removed.
$410/mo $185/mo
Interchange-plus · Next-day funding.
Retail · Boutique
$3,700 a year back at the register.
$920/mo $610/mo
Same counter workflow.
Materials · Building supply
$15,600 a year in “mystery tech fees” — labeled and cut.
$3.4k/mo $2.1k/mo
Line-by-line cleanup.
Health · Clinic
$6,800 a year recovered at the front desk.
$1.55k/mo $980/mo
Transparent interchange-plus.
Trades · Field crew
$5,500 a year saved, mobile payments kept.
$1.2k/mo $740/mo
Cleaner statement · Next-day funding.
Your statement is the only proof that matters. Send it →
Google reviews
5.0 — every single one of 77 reviews
Not testimonials we wrote. Reviews merchants left on Google, on their own, with their names on them.
★★★★★ 5.0
Had an issue with our POS terminal and Michael had it resolved in minutes over the phone. He actually picks up.
★★★★★ 5.0
Michael got us set up with next-day funding — a huge relief. Smooth transition, immediate difference.
★★★★★ 5.0
Two years in and our costs have stayed consistently lower. Upfront from day one — no surprises on the statement, ever.
About · Team
The last processor rep gave you an 800 number. Michael gives you his cell.
When a deposit looks short at 7am, you don’t open a ticket and wait three days. You text the same person who set you up — and he answers. Business Payment Systems has served 10,000+ merchants nationwide; Michael brings that network to local shops with a phone that actually rings.
He answers.
Deposits, chargebacks, terminals — minutes, not tickets.
No lock-in.
No long-term contracts, no mystery fees, next-day funding.
He’ll tell you no.
If your current rate is fair, that’s the answer you get. The checkup is free either way.
Before you switch
What usually stops merchants — answered straight
What if I have an early-termination fee?
Bring the contract. Michael runs the ETF against your real monthly savings, on paper, with you. If the ETF wins, he’ll tell you to stay put — that’s the same honesty that earned 77 five-star reviews.
How much downtime when I switch?
For most shops: none you’d notice. Changeover is scheduled around your rush, not ours — you keep taking cards the same day.
Do I have to switch to get the checkup?
No. It’s free with zero obligation. About a third of merchants who send a statement are told their rate is fine.
Will my terminals and POS keep working?
Most countertop terminals, mobile readers, and POS systems move with you. If anything needs replacing, you’ll know before you switch — not after.
When do deposits land?
Qualified sales typically fund the next business day. If one ever looks short or late, you text Michael and get an answer the same day.
What does the checkup actually cost?
Nothing, ever. One statement photo. Your true rate in plain English, usually within a day.
See exactly what you’re overpaying — free, in 24 hours.
Text one statement photo. Worst case, you learn your deal is fair. Best case, you keep money your processor was quietly taking.
No contracts. No obligation. Just the truth about your fees.