As a paycosmos merchant, you have the advantage of Instant Merchant Settlement. paycosmos links your terminal to your bank account. Instant Merchant Settlement is the same as the credit card processing you do today, the only difference is you get paid instantly.

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We bring together the robust solutions and tools so partners and developers can offer businesses the fastest settlements for the widest range of payment options. There is little doubt that Instant Merchant Settlements is the dream of any business - we have made it a reality.

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a universe of payment options

One solution platform for terminals, POS, online forms, mobile, email, invoicing, text, virtual terminal, pay by phone (automated 800 number), shopping cart checkout and Remote Deposit (RDC) - via Online Interface or API, and consolidated reporting

Our platform has won multiple awards for innovation in payments and risk management making us your better choice for today and into the future

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

payments can happen anywhere!

What are the best options for your customers and where do they want to pay - make your answer - "anywhere". Our bank direct payment technology enhances your acceptance, processing and reporting, making it a seamless and cohesive process. With paycosmos, you are connecting to an award-winning leader in payments technology.
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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


This is just a sample of some of the solutions we offer for faster ways to accept and make payments.
Virtual Terminal

Payments in office and over the phone

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