Every business that accepts cards needs a processor behind the scenes handling the transaction — but not every processor is priced or set up the same way. Smart Business Funding provides business credit card processing with competitive rates, fast setup, and no long-term contract locking you in. Whether you need a countertop terminal, a mobile card reader, or an online payment gateway, we get you processing cards quickly so customers can check out without friction.

How Credit Card Processing Works

Getting set up with Smart Business Funding is simple. Our process is broken into three steps: Apply, Receive, and Process.

Applying

You — or a financial expert from your organization — fill out a brief application with basic details about your business and how you plan to accept payments (in-person, online, or both).

Receiving

Once approved, we can typically get your terminal, POS system, or payment gateway set up within 24 hours. There’s no lengthy onboarding process standing between you and your first transaction.

Processing

Smart Business Funding charges competitive, transparent rates to process your credit and debit card transactions, with funds typically settling to your account the next business day.

Why Businesses Overpay for Credit Card Processing

Many business owners are stuck on processing plans with layered fees, long-term contracts, and interchange markups they never fully understand — often locked in by a provider that made switching difficult on purpose. Legacy processors frequently bundle in equipment leases, monthly minimums, and early termination fees that only become clear once you’re already committed.

Smart Business Funding structures credit card processing for small business owners around transparency and flexibility: competitive rates, no long-term contract required, and no early termination fee if your needs change.

What’s Included

Retail Terminal

A countertop EMV terminal for in-person, chip, tap, and swipe transactions at your storefront.

Mobile Card Reader

Accept payments on the go — ideal for service businesses, contractors, and mobile vendors.

Online Payment Gateway

Accept card-not-present transactions through your website or invoicing system, with the same competitive rates as in-person processing.

POS System Integration

For businesses that need more than payment acceptance — inventory tracking, sales reporting, and staff management alongside processing.

Flat-Rate vs. Interchange-Plus Pricing

Most processors price transactions one of two ways:

Flat-rate pricing charges a single, predictable percentage per transaction regardless of card type — simpler to budget for, and often the better fit for smaller-volume merchants.

Interchange-plus pricing passes through the card network’s actual interchange rate plus a fixed markup — this can be less expensive for higher-volume merchants who process a lot of lower-cost card types, but it’s harder to predict month to month.

We’ll walk you through which structure actually saves you more based on your real transaction mix, rather than defaulting you into whichever is more profitable for us.

Why Choose Smart Business Funding for Credit Card Processing

• Competitive, transparent processing rates
• Setup typically completed within 24 hours
• No long-term contract required
• No early termination fees
• Next-business-day funding on settled transactions
• BBB A+ rated, 5-star Trustpilot, Inc. 5000 honoree
• Backed by the same team that’s funded over $500M to businesses nationwide

Frequently Asked Questions

Q: What are typical credit card processing rates? A: Rates vary based on your transaction volume, average ticket size, and the mix of card types you accept. We’ll walk you through actual numbers based on your business rather than a generic advertised rate.

Q: How does a merchant account work? A: A merchant account allows your business to accept card payments; funds are processed through the card networks and typically settle to your business bank account the next business day.

Q: Is there a monthly fee? A: Fee structures depend on the equipment and processing plan you choose — we’ll walk you through exactly what’s included before you sign up, with no hidden charges buried in the fine print.

Q: What equipment is included? A: Depending on your needs, we can set you up with a countertop terminal, mobile card reader, online payment gateway, or a full POS system.

Q: Is there a contract or early termination fee? A: No long-term contract is required, and there are no early termination fees if your business needs change.

Q: How fast do funds settle? A: Funds typically settle to your account the next business day after a transaction is processed.

Q: Is this reported to any credit reporting agency? A: Processing activity itself is not reported to consumer or business credit reporting agencies.

Q: How long has Smart Business Funding been in business? A: We’ve been serving businesses since December 2014.

Q: What is the best way to reach customer service? A: Phone: 1-866-Re-Smart, or email: Info@SmartBusinessFunder.com.

Q: Where are you located? A: Smart Business Funding is headquartered at 2420 NE 186th Street, Suite 401, North Miami Beach, FL 33160.

Q: Are you affiliated with the Better Business Bureau? A: Yes, we’re proud of our A+ rating with the Better Business Bureau. [Note: replace with the correct current BBB profile link for the North Miami Beach/FL listing — the live page currently links an outdated Brooklyn, NY profile.]

Get the Credit Card Processing You Need Today

A processor that’s slow, expensive, or locks you into a contract you don’t understand costs you money every time a customer taps their card. Get set up with Smart Business Funding and start processing with rates and terms that actually make sense for your business.

Apply Now