It's your money, why wait?

As a paycosmos merchant, you have the advantage of Instant Merchant Settlement. paycosmos links your credit card processing to your bank account for Card Present and Card Not Present Solutions. Instant Merchant Settlement is the same as the credit card processing you do today, the only difference is you get paid instantly- 24/7/365.

More Options

Whether you accept payments in a retail store, out in the field, from your website, we have solutions to fit your business. There is no limit to how you want to accept payments and a merchant account with paycosmos means you get paid faster.

Secure First

Our systems include PCI Level 1 certification and successful Service Organization Control audits to demonstrate our commitment to data security

Award Winning

We have won multiple awards for innovation in payments, risk management, and Instant Merchant Settlement

The options you need!

We bring together the robust solutions and tools with the fastest settlement and widest range of payment options. There is little doubt that Instant Merchant Settlement is the dream - we have made it a reality.


This is just a sample of the solutions we offer for faster ways to accept and make payments; including, ACH, RDC, RTP, card present and card not present solutions!

Explore Solutions
Virtual Terminal

Payments in office and over the phone


Connect to point-of-sale systems

Online Forms

Build and post an online form in minutes


Invoicing made easy with A/R imports and API integration


Request and send payments via email


App and Text Payments


Credit card terminals


Connect your shopping cart


For developers

A universe of payment options:

Credit Card

An extensive list of terminal and POS options (for card present), and a full spectrum of card not present solutions to fit businesses of any size


We support one-time or recurring transactions for sending or accepting these cost-effective payments- including same-day ACH as an option


Our platform's handling of deposits and returns is simply unparalleled. All processes are perfectly coordinated for seamless reporting in a single system


A Real-Time Payment (RTP) lets you move funds from one bank account to another account, at a completely different bank, for a flat fee in a second