Payment Solutions
Payment Processing & Telecom Solutions for NJ Small Businesses | SelaPay
We analyze your actual merchant statements and build a custom plan that eliminates hidden fees — so you keep more of every transaction.
Serving restaurants, retail stores, contractors, and medical offices across New Jersey, New York, and Pennsylvania — with local support you can actually reach.
Stop Overpaying on Every Sale — Here's How We Fix It
We pull your actual statements, find what you're really paying, and show you exactly how much you'll save before you commit to anything.
Interchange Pricing
Pay only for what you process — no junk fees, no surprises. Ideal for businesses with consistent monthly volume.
Surcharge Program
Offset processing costs legally and transparently. Your customers pay with card, you stop absorbing the fee.
Cash Discount Program
Reward cash-paying customers and eliminate processing costs entirely. Most businesses save hundreds per month.
Why Businesses Switch to SelaPay
Lower rates based on real statement analysis — not generic quotes that hide the true cost of processing.
Fast approvals in so you can stop overpaying and start saving immediately.
Works with many existing POS systems — we integrate with your current setup so there's no need to start from scratch.
Built for high-volume businesses like pizza shops, retail stores, and busy local restaurants.
Local support for NJ, NY & PA businesses that want a real partner on their side, not a call center. Our experts are based directly in Passaic, Bergen, and Morris Counties.
100% free. No contracts. No surprises..
Real Savings for Local Businesses
Pizza Shop
$45,000/month volume
We reduced their effective rate by 0.35%, saving over $180/month.
Family Restaurant
$80,000/month volume
We simplified their fees and saved them over $400/month.
Retail Store
$30,000/month volume
We moved them to a cash discount program and cut most of their processing costs.
Earn Monthly Residual Income with SelaPay Referrals
Know business owners who are overpaying on credit card processing? Refer them to SelaPay and earn monthly residual income on the accounts we activate. We handle the sales, setup, and support — you get paid.
How it works
1
Submit your referral details.
2
We review their statement and present savings.
3
They sign up, you earn monthly residual income.
Recurring commissions on every active referral account.
No limit on how many businesses you can refer.
We handle the analysis, onboarding, and support for your referrals.
Payment Processing FAQs
Do I have to switch my POS system?
Are there long-term contracts?
In many cases, no. We can often work with your existing POS or terminals. If a change is needed, we’ll walk you through simple options.
We focus on earning your business every month. If a term is required, we’ll explain it clearly before you sign anything.
How do you actually lower my fees?
What if I’m with Toast, Square, or Clover?
We review your statements line by line, remove junk fees, and place you on the best structure for your volume and card mix.
These providers are convenient but often expensive. We’ll compare your current costs to our programs and show you the difference.
Is there any cost for the savings analysis?
No. The analysis is 100% free and there’s no obligation to switch.
Upload Your Statement & See Your Savings
Upload a recent merchant statement and we'll send you a simple, side-by-side comparison showing what you pay now and what you could save with SelaPay.