Merchant Services

Trusted Guidance

Next-Day

Settlement

99.9%

Uptime

15K+

Active Merchants

Payment Processing That Moves at the Speed of Your Business

Every customer transaction — whether a tap at the counter, a click through a shopping cart, or an invoice paid by ACH — represents revenue that should reach your account as quickly as possible. Sascu merchant services processes credit and debit card transactions, ACH payments, and digital wallet charges with next-business-day settlement for transactions batched before 4 p.m. Eastern. That means swipes and taps from Monday reach your Sascu business checking account by Tuesday afternoon, compressing the gap between sale and available capital to a single business day.

Our pricing follows a transparent interchange-plus model. You see exactly what the card networks charge (interchange and assessments), plus a clearly stated Sascu processing margin. There are no tiered-rate surprises, no monthly minimums hidden in fine print, and no long-term contracts with early termination penalties. Merchants who process more than $10,000 monthly generally qualify for volume-based rate reductions, and we re-evaluate your pricing quarterly to ensure it reflects your actual processing patterns rather than a stale estimate from account setup.

Point-of-Sale Systems for Every Counter

Hardware matters when every second of counter time affects the customer experience and the length of the lunch-rush line.

Sascu offers two tiers of point-of-sale hardware. The countertop terminal package includes an EMV chip and contactless reader with a built-in receipt printer and customer-facing display — a self-contained unit that requires only power and an Ethernet or Wi-Fi connection to begin accepting payments. For businesses that need full register functionality, our smart POS system combines a touchscreen terminal, cash drawer, barcode scanner, and receipt printer in an integrated station that also handles inventory tracking, employee timekeeping, and sales tax calculation. Both systems process chip cards, contactless tap payments, Apple Pay, Google Pay, and Samsung Pay.

Restaurants, cafes, and quick-service establishments can add kitchen display systems and handheld tableside ordering terminals that sync orders directly to prep stations, eliminating handwritten tickets and the errors they produce. Retail stores benefit from customer-facing displays that show itemized purchases and accept tips digitally — a feature that studies show increases average gratuity by 15 to 20 percent compared to traditional tip jars or signature-line tipping.

E-Commerce Integration and Mobile Payments

Your online storefront should process payments as smoothly as your physical counter, and Sascu provides the integration layer to make that happen.

Our payment gateway connects to major e-commerce platforms — Shopify, WooCommerce, BigCommerce, Magento, and custom-built sites through a REST API — with pre-built plugins that typically require less than an hour of configuration. Once connected, the gateway handles authorization, capture, settlement, and refund processing within a unified dashboard that also reports your in-store transaction activity, giving you a single view of revenue across all sales channels. The hosted payment page option keeps card data entirely within Sascu's PCI-compliant environment, reducing your own PCI DSS scope and the associated compliance burden.

Mobile payment acceptance goes wherever your business goes. The Sascu mobile card reader pairs with our merchant app on iOS and Android devices to accept chip, contactless, and magnetic stripe payments anywhere with cellular or Wi-Fi connectivity. Farmers market vendors, trade show exhibitors, food truck operators, and service professionals making house calls all use this setup to accept payment at the point of service rather than invoicing afterward and chasing receivables. The app also supports offline mode, storing encrypted transaction data when connectivity drops and submitting it automatically when the connection restores.

Gift Cards and Value-Added Services

A well-run gift card program generates revenue today and brings customers back tomorrow.

Sascu merchant clients can issue both physical and digital gift cards through our processing platform. Physical cards arrive pre-printed with your branding and activate at the point of sale. Digital cards deliver by email or SMS and are redeemable either online through your e-commerce checkout or in-store by scanning a barcode from the customer's phone. The program includes balance checking, reload capability, and reporting that tracks card sales, redemptions, and outstanding liabilities. Gift card funds settle to your business checking account at the time of sale, providing immediate working capital regardless of when the recipient redeems.

Merchant Services Comparison

Different business models benefit from different processing configurations.

Service Type	Processing Speed	Hardware Options	Monthly Fee	Integration Support
Retail Countertop POS	Next-day settlement	EMV terminal, smart POS system, barcode scanner, receipt printer	$19.95	Inventory, employee timekeeping, sales tax
E-Commerce Gateway	Next-day settlement	None required (hosted payment page or API)	$14.95	Shopify, WooCommerce, BigCommerce, Magento, REST API
Mobile Payment Processing	Next-day settlement	Mobile card reader (chip, contactless, swipe)	$9.95	iOS and Android merchant app, offline mode
Gift Card Program	Immediate (at sale)	Physical cards, digital delivery via email/SMS	$9.95	Balance tracking, reload, liability reporting

All merchant services plans include 24/7 technical support by phone, a dedicated relationship manager for accounts processing more than $25,000 monthly, PCI compliance assistance, and chargeback management with representment support. Sascu merchants process over $2.8 billion annually through our platform with an average authorization rate of 98.7%, well above the industry norm for community bank processors. For information about payment industry regulations and consumer protections, visit the Better Business Bureau at bbb.org.

Sascu equips businesses with retail point-of-sale systems that accept chip, contactless, and digital wallet payments with next-business-day settlement into your account. E-commerce operators connect to our payment gateway through pre-built plugins for Shopify, WooCommerce, BigCommerce, and Magento — or build custom integrations using the REST API and hosted payment page options. Mobile professionals rely on the Sascu card reader and merchant app to process payments at farmers markets, trade shows, client sites, and pop-up events with offline fallback capability. Restaurant owners add kitchen display systems and tableside ordering that eliminate paper tickets and accelerate table turns. Every merchant account pairs naturally with a Sascu business checking account so receivables land in one place, visible through Sascu online banking alongside your operating transactions.

Growing businesses should explore ACH origination and automated receivables through our treasury platform — a complement to card processing that lowers the cost of B2B collections. Our business credit card program includes expense management tools that integrate transaction data across procurement and payment processing in a single reporting view. For capital-intensive growth phases, SBA 7(a) and 504 loans provide government-backed financing with Preferred Lender approval speed. Merchants acquiring property or expanding locations benefit from commercial real estate financing with terms tailored to owner-occupied and investment properties alike. Sascu merchant services anchor a complete business banking relationship designed around how you actually collect, manage, and deploy revenue.

POS systems Payment processing E-commerce gateway Business checking Treasury management

Frequently Asked Questions

What is the setup process for Sascu merchant services?

Setting up Sascu merchant services takes approximately three to five business days from application to processing live transactions. You complete a brief online application with your business details, EIN, and bank account information. Sascu underwrites the merchant account — typically within one business day — and ships your chosen hardware or provisions your e-commerce gateway credentials. Our installation team schedules a remote setup session to walk through terminal configuration, network connectivity, and test transactions. Most merchants process their first live payment within a week of applying. If you are switching from another processor, our transition team coordinates the cutover to avoid any gap in payment acceptance.

How does Sascu price merchant processing fees?

Sascu uses an interchange-plus pricing model: you pay the card networks' published interchange rates and assessments plus a fixed Sascu processing margin that is disclosed in your merchant agreement. There are no tiered-rate markups, no downgrade surcharges, and no annual fees. Typical processing margins range from 0.25% to 0.50% above interchange for card-present retail transactions and 0.40% to 0.75% for card-not-present e-commerce transactions, depending on monthly processing volume and average ticket size. Merchants processing more than $10,000 monthly receive a quarterly rate review. ACH payment processing carries separate pricing, typically a flat per-transaction fee rather than a percentage of the payment amount. Your merchant statement itemizes interchange, assessments, and Sascu margin clearly on every line.

What POS hardware options does Sascu offer?

Sascu offers two primary hardware configurations. The countertop terminal package includes an EMV chip and contactless reader with integrated receipt printer and customer-facing display — ideal for retail counters, salons, and small cafes. The smart POS system is a full-featured register replacement with a touchscreen terminal, cash drawer, barcode scanner, and receipt printer, plus software modules for inventory management, employee timekeeping, and sales tax calculation. Restaurants can extend either system with kitchen display screens and handheld ordering terminals. All hardware processes EMV chip, NFC contactless, Apple Pay, Google Pay, and Samsung Pay. Sascu also provides a compact mobile card reader for smartphone and tablet-based payment acceptance, supporting chip, contactless, and magnetic stripe transactions with offline backup capability.

How does e-commerce integration work with Sascu merchant services?

Sascu's payment gateway integrates with major e-commerce platforms through pre-built plugins for Shopify, WooCommerce, BigCommerce, and Magento. Setup typically takes less than an hour: you install the plugin, enter your gateway credentials, and run a test transaction. For custom-built websites, our REST API provides full payment lifecycle management — authorization, capture, void, refund — with developer documentation and sandbox testing environment. The hosted payment page option keeps cardholder data entirely within Sascu's PCI-compliant infrastructure, minimizing your PCI DSS compliance scope. All e-commerce transactions appear in the same merchant dashboard as your in-store activity, giving you unified revenue reporting across all channels.

When do Sascu merchant funds settle and become available?

Sascu settles card transactions on a next-business-day basis for batches submitted before 4 p.m. Eastern time. A Monday batch settles Tuesday, and weekend batches (Friday after cutoff through Sunday) settle Monday. ACH payment settlement follows standard ACH network timing, typically two business days for credits and one business day for debits. Funds settle directly into your Sascu business checking account, and you can view pending settlements through Sascu online banking. Same-day ACH origination is available through our treasury management platform for businesses with urgent disbursement needs. Gift card funds settle to your account at the time of sale, regardless of when the recipient redeems the card. For questions about payment processing regulations, the Consumer Financial Protection Bureau provides resources at consumerfinance.gov.