Merchant Services for Small Businesses That Scale with You

Name: Card-Present vs. Card-Not-Present Transactions: Which Is Right for Your Business?
Brand: E-Complish
Rating: 5 (18 reviews)

Small business merchant services are designed to grow your revenue. While most businesses lose 30% of potential sales to payment problems, E-Complish helps you capture more, with 58% better payment acceptance, 18% lower costs, and 31% more successful transactions.

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Merchant Services That Empower Small Business Success

Four out of five small businesses struggle with payment processing inefficiencies. It’s frustrating. You’re losing money to high fees. Setup takes forever. Customers abandon carts because you can’t accept their preferred payment method.

Manual reconciliation eats up your evenings. Cash flow delays stress your operations. You know there’s a better way, but you don’t know where to start.

E-Complish’s merchant services for small businesses get it. We’ve helped companies like yours break free from these constraints. Our DirectPay handles recurring payments automatically. HostPay makes online transactions seamless. VirtualPay gives you processing flexibility without the headaches.

No hidden fees. No complex setup nightmares. We manage the technical stuff so you can focus on your business. Your customers get more payment options. You get faster settlements and better cash flow. Our automated reconciliation syncs with your accounting system, giving you back those lost hours.

As you grow, we grow with you. Our scalable solutions adapt to your needs. We offer real support when you need it. Our merchant services for small businesses fuel your growth, not hold it back.

Here’s what better payment acceptance looks like for your business:

Accept Payments Everywhere

Never lose a sale again. Accept payments in store, online, or on the go with our all-in-one solution. Small businesses experience a 30% increase in sales when offering multiple payment options, including credit cards, ACH, and digital wallets.

Cut Your Processing Costs

Pay just 10¢ per ACH transaction with no setup fees. We use transaction-based pricing instead of monthly charges, and our automated systems help reduce overhead that is passed on to you.

Automate Your Operations

Reduce invoice processing costs by 50% and accelerate collection time by 62%. Businesses free up over 500 hours annually in their finance departments with our small business merchant services.

Scale Without the Stress

E-Complish can process over 5,000 transactions, with ample room for growth. Our platform scales with your transaction volume. Add new payment methods, locations, or team members in minutes, not months.

Protect Your Business 24/7

Level 1 PCI-DSS compliance for 13+ consecutive years means your customer data stays secure and you avoid costly breach fines. HIPAA, SOC 2, and NACHA certifications with annual third-party audits let you accept payments confidently and meet industry regulations.

Stop Losing Money to Outdated Payment Systems!

Switch to E-Complish's 10¢ ACH processing and transparent pricing. No setup fees, no hidden charges, no monthly minimums. Get approved fast and start keeping more of what you earn. Your current processor won't like this, but your bottom line will!

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Stop Losing Money to Outdated Payment Systems!

Our Small Business Payment Processing Solutions

Our merchant services for small businesses offer a comprehensive payment ecosystem that meets your needs. Start with the basics, then add features as you scale.

Essential Payment Acceptance

Credit & Debit Card Processing

Accept Visa, Mastercard, American Express, and Discover. Get everything in one place: payment processing, automated reconciliation, detailed reporting, and seamless execution.

ACH Payment Processing

Process batch payments directly from customer bank accounts and cut costs by up to 80% compared to credit cards. Enjoy better cash flow, revenue predictability, and instant settlement notifications.

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Digital Wallet

E-wallet customers tap once, and they're done paying. You skip card processing fees and capture sales from the growing number of people who've ditched their physical wallets. Accept Apple Pay, Google Pay, PayPal, and others.

Small Business Payment Channels

Customer Payment Portal

Give customers a branded payment portal that matches your website design. They can manage their accounts and pay bills 24/7. You get automated daily settlements and better cash flow.

Mobile Payments

Mobile payments made simple. Customers pay instantly from their smartphones anywhere, anytime. You process secure transactions on the go with real-time processing, multi-currency support, and Level One PCI compliance.

Recurring Payments

Tired of chasing late payments? RecurPay automates weekly, monthly, or annual billing so customers get charged automatically. Zero collection headaches, plus card expiration alerts.

Online Invoice Payments

E-Complish turns invoice chaos into one-click payments through email and text links. Skip paper, speed up collections, and automate reminders that get money flowing.

Text2Pay

Customers text to pay instantly without entering card details or passwords. Send payment requests that receive immediate responses through their most frequently used device. Enhance customer satisfaction with the most convenient payment method available.

IVR Payment System (DirectPay)

No need to hire phone staff for payments. DirectPay's automated system answers customer calls 24/7 with voice prompts and touch-tone options. Save money while customers pay at any time, day or night.

Growth-Focused Solutions

Chargeback Management

Fights payment disputes with a 90% recovery success rate, turning every $100 dispute into recovered revenue instead of $240 in losses. Let us handle the paperwork, evidence collection, and deadlines for you.

DevConnect Payment API

Connect your existing business systems to secure payment processing without having to start from scratch. DevConnect integrates seamlessly with your existing setup, allowing customers to pay effortlessly through your current system.

E-Signature

Close deals the moment customers decide to make a purchase. EDoc captures signatures and payments simultaneously, eliminating the gap between agreement and payment that often causes deals to fall through.

Instant Funding

Send money instantly to any U.S. debit card instead of mailing checks that cost $3-5 each. Push2Card delivers refunds, payouts, and claims in seconds, minimizing customer complaints about payment delays.

Clients Reviews

5.0

E-Complish provided a secure and reliable payment processor that was easy to set up and use. The customer service was top-notch, and they were always available to answer any questions I had.

Client Reviews

5.0

I've been using the payment processing solution from E-complish for a few months now, and I have to say they have been an absolute pleasure to do business with. I feel very comfortable knowing my customers' sensitive data is safe and secure.

Client Reviews

5.0

As a small business owner, I appreciate the convenience of their intuitive payment processing solution and their competitive pricing. Highly recommended.

Client Reviews

5.0

Very appreciative of the good support I received I specifically want to thank Matt, Bill, and Stephen

Alec K.

Waste Management Industry, Pasco, WA

5.0

The E-Complish team helped us decrease our delinquencies by 15% and increased our online payments by 80%!! I cannot say enough about how this team works with us to analyze the problem and provide a solution. Not once did they try to upset us on a product that we did not need. I consider E-Complish a partner and consultant, not just a vendor.

Angie S.

Major Auto Finance Company (1500 Branches), South Carolina

5.0

You guys continue to be one of the best vendors I work with. Keep it up, since you set the bar high, I have come to expect it going forward! Thanks for your support.

Bennett L.

Auto Finance Industry, Evanston, IL

5.0

Wow – Just Super and Thanks! Can’t tell you all how much I really appreciate your staff is always looking into stuff so quickly… I wish all of my vendors were as responsive as you all have always been!

Brittany Johnson | Accounting Director

OnePoint Technologies, Inc., Woodstock Georgia Area

5.0

The support team is always making sure our needs are met.

Crystal M.

County Supervisor, West Virginia County Water & Sewer Utility

5.0

Jason is awesome as usual and pulled through for us with never a complaint. If only he could be cloned…then the world of IT would be in a much better place.

D’Anne K.

City Utility Services, Boulder, CO

5.0

E-Complish set the standard for what U.S. Auto Credit expects of its vendors. E-Complish has brought together a group of professionals that have created a partnership with U.S. Auto Credit, and provide a level of support one expects of full-time hires. Their knowledge of collection practices, card processing and software development has furthered our collection activities, while promoting profitability and decreasing collectors’ talk time. I am a self-professed fan of E-Complish, and I would not hesitate recommending E-Complish for any job they solicit. Greg hired E-Complish as an Online Payment Processor in 2009 and hired E-Complish more than once Top qualities: Great Results, Expert, High Integrity

Greg Gaines | eCommerce Director

U.S. Auto Credit, Jacksonville, Florida Area

5.0

E-Complish has provided SMECO with outstanding payment processing services over the years. The pay-by-phone and electronic bill payment services that they provide are best-in-class, and extremely cost effective. The E-Complish team are extremely customer focused, flexible, and have successfully implemented payment processing solutions for us under very aggressive timelines. They are truly a valued service provider for our organization, and I highly recommend their solutions.” Joe hired E-Complish as an Automated Payment Services in 1999 and hired E-Complish more than once Top qualities: Great Results, Expert, Good Value

Joe Trentacosta | SVP & CIO

Southern Maryland Electric Cooperative, Inc., Washington D.C. Metro Area

5.0

Your company came up in a discussion here the other day. They were discussing different E-Complish APIs than E-Complish offers. I told them to be nice to you because your group always does an excellent job for us. One of the other people in the discussion agreed. He said something along the lines of wanting to kick most vendors but he was very positive about working with E-Complish. Thanks, all. You are appreciated!

Kim R.

RTO Software Provider, Kansas City, MO

5.0

The guys always come through. I never worry when sending a question or issue because I know it will be resolved.

Kim R.

Rent-To-Own Chain (5,500 stores), National and Canada

5.0

Everyone is impressed with the IVR and webpage, very excited we partnered with you guys for this, already have the wheels turning on more we can do in the future.

Robert F.

Financial Services, Tampa, Florida

5.0

Since bringing E-Complish into the fold as our overall payment processor we have experienced little to no problems with processing while reducing our cost by over 30%. They are quick to respond to any question or problem that we have and do a great job of keeping informed as to the ever changing world of electronic payments. I would highly recommend E-Complish as a payment processor as they will streamline your processes and take many of the headaches out this necessary business application. I checked off the three attributes but could easily make a case that our relationship with E-Complish has been personable, they have vast expertise in this area, they produce the files in a timely manner every time, and they also operate with the highest amount of integrity. I don’t give recommendations lightly as a matter of business practice but this is one I have no problem giving. These guys do a great job! Ronald hired E-Complish as a Payment Processor in 1999 Top qualities: Great Results, Good Value, Creative

Ronald Kline | Accounting Director

SMECO, Washington D.C. Metro Area

5.0

I always enjoy working with your team – the IVR enhancement effort could not have gone anymore smoothly! Your teams’ willingness to implement changes -and make insightful recommendations (to said changes) – were greatly appreciated!

Susan Norris

SMECO, Energy Provider

5.0

E-Complish is a proficient, detail oriented, personable and knowledgeable payment partner that helped us setup and streamline our on-line payment processes. E-Complish is always very prompt in responding to our inquiries and we appreciate the relationship we have developed with the E-Complish team! Thomas hired E-Complish as a ON LINE PAYMENT PROCESSOR in 2007 Top qualities: Great Results, Personable, Expert.

Thomas Oberwetter | Attorney

Paskin & Oberwetter Law Office Ltd, Madison, Wisconsin Area

5.0

Jason was terrific. He responded immediately to my ticket and quickly fixed the problem. Thanks!

Weygandt, B.

City Government, Colorado Utility Services

Reclaim Your Time and Boost Your Revenue with E-Complish!

Payment problems eating your profits? E-Complish fixes the mess. No more hidden fees, delayed deposits, or manual busywork. Just streamlined processing that works. See the difference the best merchant services for small businesses can make for your bottom line.

Get a Demo Today

Reclaim Your Time and Boost Your Revenue with E-Complish!

Frequently Asked Questions

How quickly can I get set up and start accepting payments?

Usually within a few days, though timing depends on your specific integrations and requirements. Our team will walk you through the exact timeline during your consultation. Reach out, and we'll map the perfect setup for your business.

Can I offer multiple payment types without hiring more staff?

Absolutely. E-Complish handles multiple payment types through a single, integrated platform, including credit cards, ACH, digital wallets, mobile payments, and more. No additional staff are needed; just one system manages everything with automated processing and reporting.

Can I use this system if I don’t have technical expertise?

Yes, as one of the best merchant services for small businesses, our systems are designed for owners, not developers. E-Complish handles the technical complexity while you focus on your business. Our support team is available to provide guidance whenever you need assistance navigating the platform.

What’s the best merchant service setup for a business with low monthly volume?

For low-volume businesses, E-Complish's transaction-based pricing works perfectly. You only pay when you process payments. No monthly minimums or setup fees. Start with basic credit card and ACH processing, then add features as your business grows.

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