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Payment Processing Solutions for Small & Mid Size Businesses | SelaPay
Payment Solutions
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 - 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, restaurants, retail stores, local businesses, and online stores.
Local support for NJ, NY & PA businesses that want a real partner on their side, not a call center. Our experts are locally and are one phone call away.
100% free. No contracts. No surprises..
Why online stores are overpaying right now
If you're processing through Stripe, PayPal, or Shopify Payments, you're paying a flat rate on every transaction — whether it's a loyal repeat customer or a first-time buyer across the country. These platforms bundle their highest-risk fees into one rate and charge everyone the same. That means you're subsidizing fraud risk you don't even have.
We move online merchants to interchange-plus pricing — so you pay the actual wholesale cost of each transaction, not a padded flat rate. Most online store owners we work with save between $500 and $2,000 per month just by making the switch.
Interchange-plus pricing
The most transparent model available — you pay wholesale, not a bundled flat rate.
Free statement analysis
We show you exactly what you're losing right now, before you sign anything.
Works with your store
Gateway integrations for Shopify, WooCommerce, and more — no checkout disruption.
Cash discount program
Offset processing fees entirely with a compliant dual pricing setup.
Why online stores are overpaying right now
If you're processing through Stripe, PayPal, or Shopify Payments, you're paying a flat rate on every transaction — whether it's a loyal repeat customer or a first-time buyer across the country. These platforms bundle their highest-risk fees into one rate and charge everyone the same. That means you're subsidizing fraud risk you don't even have.
We move online merchants to interchange-plus pricing — so you pay the actual wholesale cost of each transaction, not a padded flat rate. Most online store owners we work with save between $500 and $2,000 per month just by making the switch.
Interchange-plus pricing
The most transparent model available — you pay wholesale, not a bundled flat rate.
Free statement analysis
We show you exactly what you're losing right now, before you sign anything.
Works with your store
Gateway integrations for Shopify, WooCommerce, and more — no checkout disruption.
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 an upgrade is needed, we'll set you up with the latest system built specifically for your type of business — whether that's retail, restaurant, or service — and handle the entire setup so you can get back to running your business without missing a beat.
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.
OUR ASSOCIATES
OUR NETWORK OF INDUSTRY EXPERTS
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.
