Who we are
Payment Circle helps U.S. online, subscription and service businesses find and set up merchant accounts and payment solutions through its processing partners. We focus on business models that generic providers often misunderstand.
Pricing, contracts and technology
How we set pricing and what technology we support.
- Pricing — interchange-plus, with the markup, monthly fee and any reserve set after underwriting based on product category, processing history, volume and risk evaluation. See our pricing plans.
- Contracts — simple, clearly written terms that we walk through with you before you sign.
- Gateways & virtual terminals — NMI and Authorize.net.
- Payment methods — credit and debit cards, ACH and eChecks, one-time and recurring.
What we help businesses set up
Industries we specialize in
How onboarding works
Consultation
Tell us what you sell, how customers pay and your expected monthly volume.
Processor matching
We identify processing partners suited to your industry and risk profile.
One application
You complete a single application with your business, owner and banking details.
Underwriting
The processor reviews the application and decides on approval, pricing and any reserve.
Setup
Once approved, we help connect your gateway, virtual terminal or checkout.
What we don’t do
Being clear about our role is part of how we work.
- No approval guarantees — approval is always decided by processor underwriting.
- No final rate before review — published prices are starting rates; your rate is confirmed after underwriting.
- We’re not a bank or card network — we work through processing partners.
Common questions about Payment Circle
For media, partnership or merchant inquiries, contact Syed AbdulRehman, Business Developer, at info@paymentcircle.us or (571) 274-7950.
Is Payment Circle a bank or payment processor?
No. Payment Circle is a merchant-services firm. We match businesses with processing partners and guide them through the application. Merchant accounts are provided and underwritten by those partners.
How does Payment Circle price its services?
Pricing is interchange-plus. The markup, monthly fee and any reserve are set after underwriting, based on each business’s product category, processing history, volume and risk evaluation.
What contract terms should I expect?
Simple, clearly written contract terms. We walk through the terms with you before you sign anything.
Which gateways and virtual terminals do you support?
We work with NMI and Authorize.net payment gateways and virtual terminals.
Do you guarantee approval?
No. Approval, pricing, reserves and processing limits are decided by the processor’s underwriting.
Last updated September 2026.