Why businesses choose Steer Payments for credit card processing?
Thousands of businesses get trapped by large processors charging excessive fees and locking them into long-term contracts. Steer Payments is built differently. Businesses choose us for transparent, low-cost processing, dedicated support that actually answers, and flexible solutions with no hidden fees — so you can focus on running your business, not worrying about your payments.
100% transparent pricing
No surprises, no fine print, no hidden fees. You get straightforward, low-cost credit card processing with rates you can actually understand, so you always know exactly what you're paying and can focus on growing your business.
Accept all major payment types
Accept payments from Visa, Mastercard, American Express, Discover, and more. Our systems support debit cards, gift cards, Apple Pay, Google Pay, and other popular payment methods, so your customers can always pay the way they want.
Modern POS technology
From contactless and mobile payments to virtual and e-commerce options, our cloud-based POS terminals are get real-time reporting, track transactions, analyze trends, and manage your business from your computer or phone, anytime, anywhere.
Dedicated 24/7 support
When you have a problem with your terminal or payment processing, you need someone who actually picks up. Our dedicated US-based support team is available 24/7 to resolve issues quickly, answer your questions, and keep your business running smoothly.
Explore our payment solutions tailored for your business.
Finding the right payment solution for your business is a big decision, and we don't take that lightly. Whether you're just starting to explore your options or ready to make a move, Steer Payments is here to guide you through every step of the process. From in-person POS systems and mobile processing to online payments and virtual terminals, we offer flexible solutions built to fit your business, your customers, and your budget. Explore our options and find the right fit for the way you do business.
Cash discount pricing
Helps small businesses 100% offset credit card processing fees on all credit cards and debit cards by passing costs to customers while offering discounts to customers paying cash. With fully automated, credit card network-compliant terminals, this program eliminates the unpredictable monthly fees. This ensures you keep more of your hard-earned revenue while streamlining operations.
Traditional pricing
Our traditional program offers competitive rates as low as 1.9% all-inclusive, helping you save on credit card processing fees and maximize your profits. Since this program operates exclusively on the Interchange-plus pricing model, you always receive the lowest rates with complete transparency.
Flat rate pricing
This program is ideal for business owners who want predictable, straightforward pricing. With flat rate pricing starting at 2.5% per transaction, you can eliminate guesswork, simplify accounting, and confidently manage your costs with no hidden fees.
Four easy steps to secure transparent credit card processing with no hidden fees.
At Steer Payments, we go beyond basic credit card processing. We provide flexible, transparent payment solutions designed to help your business grow and keep more of what you earn.
Ready to simplify your payment processing or start accepting payments with confidence?
We’ll recommend the right equipment and processing program based on your business type, goals, and budget. Ask us about equipment rental options or free terminals available upon approval.
Our fast approval process gets most businesses up and running within 1 to 3 business days, so you can start accepting payments without delays.
Start accepting payments in-store, online or on the go with a fast, secure, and reliable terminal system built to keep transactions smooth and customers happy.
We work with all types of small businesses.
We help businesses across every industry simplify payments with customized merchant services.
Credit card processing frequently asked questions.
Answers to the most common questions small business owners have about credit card processing and merchant services.
Steer Payments is a nationwide payment processing provider, authorized reseller, and solutions provider serving businesses across all 50 states, with offices in El Centro and San Diego, California. It helps companies of all sizes, from small businesses to enterprise operations, accept credit cards, debit cards, and digital payments both in person and online. Steer Payments supports a wide range of industries, including retail, restaurants, eCommerce, healthcare, and professional services. The company emphasizes transparent pricing, dependable technology, and responsive customer support. Its solutions are designed to streamline transactions, improve cash flow, and simplify payment operations, giving businesses the tools needed to grow.
Credit card processing is the system that allows businesses to accept payments made with credit or debit cards. It involves securely transferring payment information between the customer, the merchant, the payment processor, and the issuing bank. When a customer makes a purchase, the transaction is authorized, verified, and approved in seconds. Once approved, the funds are transferred to the merchant’s account, typically within one to two business days. Credit card processing enables businesses to offer convenient payment options, improve customer experience, and increase sales while maintaining secure and reliable transaction handling across in-person, online, and mobile payment environments.
Credit card processing works through a series of steps that happen in seconds. When a customer pays, their card information is captured through a terminal or online gateway. The payment processor sends this data to the card network, which routes it to the issuing bank. The bank verifies the transaction and either approves or declines it. If approved, the transaction is completed, and the funds are reserved. At the end of the business day, transactions are batched and settled, meaning funds are transferred to the merchant’s account. This process ensures fast, secure, and reliable payment acceptance for businesses and customers alike.
Merchant services are a collection of financial tools and solutions that allow businesses to accept and manage customer payments. These services include credit and debit card processing, point of sale systems, online payment gateways, mobile payment solutions, and fraud protection tools. Merchant services providers help businesses securely process transactions while improving efficiency and customer experience. They also offer reporting, analytics, and support to help businesses manage cash flow and optimize operations.
Yes, Steer Payments is a legitimate payment processing provider, authorized reseller, and solutions provider serving businesses across the United States. It delivers secure payment processing technology that meets industry standards, including compliance with PCI security requirements. Steer Payments offers solutions for in-person, online, and mobile transactions, along with dedicated customer support to assist businesses at every stage. As an authorized reseller, it partners with established processing networks and technology providers to deliver reliable and scalable solutions.
Credit card processing fees can often be reduced or even eliminated when businesses use cash discount, dual pricing, or surcharge programs that allow customers to cover the transaction costs. For businesses not using these models, processing fees typically range from 1.5% - 3.5% percent per transaction. Costs vary based on factors such as card type, whether the payment is made in person or online, the business industry, and the pricing structure. Common pricing models include interchange plus, flat rate, and tiered pricing. Additional fees may include monthly service charges, equipment costs, or chargeback fees depending on the provider.
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Wherever your business is located, we are ready to start processing your payments.
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Same-day & next-day funding
Get your money deposited faster with same-day and next-day funding available for eligible businesses.
Free terminal equipment programs
Small businesses may qualify to get a free payment terminal or other POS equipment to get started.
PCI-compliant & secure
Advanced fraud protection and PCI-compliant processing protection keep eery transaction safe.