Charge With Confidence

Review My Processing

Speak With a Specialist.

Never wonder if you should be paying less. And never fear suddenly paying more.

In-person, online or via invoice, a fair credit card processing rate takes the stress away.

The Fair Payment Processor

We don’t do vagueness or too-good-to-be-true teaser rates. Instead, you’ll find quality debit and credit card processing at a fair price for the business you run. And you’ll never worry about doing better because fair’s enough.

Beneficial Pricing

A payment processing cost structure that protects your profits.

Straight Goods

Inflated claims and vague language are unnecessary when the truth is good enough.

Always-On Support

Get a real person when you need one, even on Christmas morning.

Proof Before Promise

Send in a recent statement to compare with what you should be paying.

Accept Credit Cards Anywhere

No matter the cards your customers use. Why?
Because half your customers will abandon a purchase if they can’t pay how they want.  

✓ Visa

✓ Diner’s Club

✓ Mastercard

✓ Apple Pay

✓ American Express

✓ Google Pay

✓ Discover

✓ Samsung Pay

In-Person

Take credit and debit cards at checkout counters, tables and on-the-go with fast terminals.

In-Person

Take credit and debit cards at checkout counters, tables and on-the-go with fast terminals.

Online

Take payments on your website with a checkout integration or a no-code hosted payment page.

Online

Take payments on your website with a checkout integration or a no-code hosted payment page.

Remotely

Process payments on your computer with a secure virtual terminal. No hardware required.

Remotely

Process payments on your computer with a secure virtual terminal. No hardware required.

In-Person

Take credit and debit cards at checkout counters, tables and on-the-go with fast terminals.

Online

Take payments on your website with a checkout integration or a no-code hosted payment page.

Remotely

Process payments on your computer with a secure virtual terminal. No hardware required.

Pricing for the Way You Get Paid

Pricing shouldn't be one-size-fits-all. That's why we offer three models, and we match you to the one that does the most for your bottom line.

Cheerful woman at desk
Cheerful woman at desk

Interchange-Plus

Rates from the card networks are passed on to you wholesale, with a fixed markup added.

√ Transparent and often the lowest cost for most businesses.

X More difficult to predict costs/revenue if many card and transaction types.

Interchange-Plus

Rates from the card networks are passed on to you wholesale, with a fixed markup added.

√ Transparent and often the lowest cost for most businesses.

X More difficult to predict costs/revenue if many card and transaction types.

Flat Rate

A single rate is applied to every transaction, usually a set percentage.

√ Useful for businesses that prefer predictable costs and simpler reconciliation.

X Can get expensive if more transactions have lower interchange rates.

Flat Rate

A single rate is applied to every transaction, usually a set percentage.

√ Useful for businesses that prefer predictable costs and simpler reconciliation.

X Can get expensive if more transactions have lower interchange rates.

Tiered

Transactions are grouped into pricing categories based on card type.

√ Can work in specific environments where transaction types are consistent.

X Categories are not always transparent, which can lead to higher effective costs.

Tiered

Transactions are grouped into pricing categories based on card type.

√ Can work in specific environments where transaction types are consistent.

X Categories are not always transparent, which can lead to higher effective costs.

Think you might be overpaying?

Find out for sure. 

Send us your latest merchant statement for an honest assessment, whether you could be paying less, and how to make that happen with little-to-no service disruption. 

Show Me My Savings

Cheerful dreamy woman with bob hairstyle
Cheerful dreamy woman with bob hairstyle
Cheerful dreamy woman with bob hairstyle

Like a Guard Dog
For Your Payments

Bank-Level Encryption100%

Card payments travel through secure processing systems designed to route transactions reliably between customer, network, and bank. 

PCI Compliance Built-In100%

Transactions are handled through PCI-compliant environments with encrypted data handling and consistent authorization routing.

Reliable, Fast Settlements100%

Transactions settlement is stable and predictable. Funds are deposited within one business day.

Data is protected. Payments are authorized securely. Money moves the way it should. It’s all boringly efficient. But that’s exactly what you want, right?

Data is protected. Payments are authorized securely. Money moves the way it should. It’s all boringly efficient. But that’s exactly what you want, right?

Switching from Another Processor

Changing payment processors shouldn’t interrupt your business.

If you’re currently working with another provider, Millennium helps guide the transition carefully.

Switching providers should feel manageable — not complicated. 

We can:

✓ Review your current statement and pricing structure

✓ Check compatibility with your existing equipment

✓ Coordinate the account transition

✓ Help minimize disruption to day-to-day operations

Switch Providers

Taking Credit Card Payments is Only a Few Steps Away

1

Tell us about your business

We get to know you, what you do, and give you the best rate for how you do business.

2

Create a merchant profile

You get an account manager that is with you every step of the way.

3

Pick your hardware and software

Get set up with the card machines, online gateway and accessories you need.

4

Get paid in one business day

Start taking payments and see your money deposited fast (at no extra cost).

Explore Fair
Payment Processing

Whether you’re starting fresh or considering a switch, you’ll know where you stand. Tell us about your business for an assessment and a recommendation.

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Email AddressRequired
Phone NumberRequired
Business typeOptional
Monthly processing volume ($)Optional
Upload StatementOptional
Drag & drop your processing statement, or click to browse
Accepts PDF, PNG, JPG, JPEG, WEBP, DOC, XLSX and more

Let’s Review Your Payment Processing

Tell us a bit about how your business currently accepts card payments.

We’ll review your setup and provide a clear recommendation.

Request My Review

Why Businesses Choose Millennium

Payment processing providers often sound the same on paper.

Where they differ is in how they approach pricing, support, and long-term relationships.

Fair Pricing

Pricing structures are chosen based on how your business processes transactions, not based on maximizing processor margin. 

Reachable Support

When questions come up, you can speak with someone who understands your account. 

Straightforward Guidance

Clear explanations without sales routines or confusing language.

Practical Payment Tools

Reliable terminals, online integrations, and systems that fit into how your business already works.