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D4 Payments is a Dynamic, Dependable, and Data-Driven payments technology company.
We take a consultative approach with all our clients. Just as businesses differ, so do payment processing platforms. We take the time to understand your business and provide the perfect processing solution to meet your needs. Our goal is to assist your business to reduce costs, update technologies, and increase efficiencies. We service merchants of all sizes and can accommodate merchants that may face challenges getting their business set up to accept payments.
With our years of experience, we have streamlined the set-up process to get your business accepting payments quickly. In three easy steps, we’ll have your new merchant account up and running.
No two businesses are the same. We’ll take the time to learn about the specific needs of your business. If you currently accept credit cards, it’s at this stage that we will analyze a current processing statement to ensure your fees are optimized.
Once we have determined the best solution for your business, we work with you to complete the application and gather any supporting documentation. Once submitted, we typically have the approval within one business day.
Whether you are reprogramming your existing hardware, deploying a new Point of Sale system, or issuing a payment gateway, this is the final stage to integrate your new account so you can begin processing payments.
Our business does not end after this. We are here to be your partners, service your account, and ensure your payment processing is always running optimally. You will have a dedicated personal representative, online reporting portal, and a 24/7 technical support line for weekends and holidays.
We pass the wholesale cost directly to you, so that you know exactly what you are paying.
Interchange plus pricing is far more advantageous to businesses than they may realize. Compared to flat rate or tiered pricing models, it allows for hundreds of dollars in savings. While Interchange Plus does not give an “exact” rate, the advantage lies in knowing the true costs directly from the card brands. Look for the terms “mid-qualified” or “non-qualified” on your statement. If you see them, there’s a good chance you are not on true interchange pass-through pricing.
The card processing rates set by the banks and card brands which are the same for every business and cannot be avoided.
A fixed mark-up consisting of a small authorization fee and percentage.
The name flat rate processing sounds good, but it is actually very expensive and designed to hide the true processing costs. By pushing the term “flat rate” and selling it as easy to understand, processors offering a flat rate are taking advantage of businesses and charging far more than is necessary. Conversely, interchange plus pricing provides transparency, low rates, and competitive pricing. As a business owner receiving the exact cost from the card brands, you eliminate any surprises.
