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Stephan & Stephan provides immediate and reliable solutions to take payments outside of cash from your customers.

Simple and Easy to Use

Point-of-Sale Credit Card Processing

Everyday credit card acceptance for your company. Just what you need at a great price. We work with most credit card machine and software vendors.

Financing to grow your business

We offer cash advance on future credit card receivables.

Check and ACH processing.

Receive a check in person or in the mail. Scan it through one of our readers. Your customer’s checking account is debited, then you get paid. No more inefficient trips to the bank!

Level 2. ACH Debit or Credit a Checking Account

  • Consumer or Business authorizes an electronic ACH debit or credit to their checking account
  • Transaction information uploaded through a variety of options (virtual terminal, payment gateway, API, or batch file)
  • Consumer checking account electronically debited or credited and funds transferred

EMV, Chip Card, ApplePay, and Contactless Systems

More customers are tech savvy today than ever before. They want a quick and hassle-free transaction. We provide you the tools to keep your customers coming back by creating an easy to use purchasing experience.

Wireless Credit Card Processing

Making profitable sales off location is more important than ever before. We have portable solutions along with battery powered and wireless backup methods for unexpected outages.


E-Commerce Credit Card Processing

Easy to integrate shopping cart and gateway methods to accept credit cards properly online.

Gift Card Processing

Accept and issue gift cards just like any big box retailer.

Business Revenue Financing on Future Receivables

Available in amounts ranging from $10,000 to $1,000,000

Our Revenue Based Financing allows businesses to borrow against money that is owed to them from services already completed. Businesses can also borrow against future earnings that are received through a fixed percentage from either your bank account or CC terminal.

Benefits of Revenue-Based Financing:

  • Allows quick access to working capital
  • Approvals based on cash flow, not traditional metrics
  • Easy qualification process with no personal collateral required
  • Financing that doesn’t require any equity
  • Payments based on a fixed percentage of sales

Ideal for:

  • Agriculture Producers & Service Providers
  • Contractors
  • eCommerce
  • Hotels
  • Manufacturers
  • Medical Practices & Suppliers
  • Restaurants
  • Wholesalers

Merchant Cash Advances

Immediate cash influx right into your bank account based upon future credit card receivables. Pay as you go rather than monthly payments.


Founded in 1996, Authorize.Net is one of the oldest, most widely respected, and most secure payment gateway service providers on the internet. 

  • Online Account Access
  • Authorize.Net eCheck.Net® (bank account)
  • Digital payment solutions: Apple Pay, PayPal, Visa Checkout
  • Accept international transactions from customers worldwide. However, your business must be based in the United States, Canada, United Kingdom, Europe or Australia. For additional international locations, please see CyberSource Advanced.
  • Manage and review transactions, configure account settings, view account statements, download reports, create “Buy Now” buttons and more through a password-protected website: the Merchant Interface.
  • Sync for Quickbooks™ automatically imports your settled Authorize.Net transactions directly into your existing QuickBooks account.
  • Use Transaction Reporting to retrieve the details of your processed transactions for reporting and reconciliation.
  • Set up multiple user accounts with permissions to control account access.

Dynamic Currency Conversion

Sell locally, Think Globally.

Most travelers prefer the safety and convenience of card payments and now you can offer them the added advantage of paying in their own currency.

We’re proud to offer Dynamic Currency Conversion (DCC), an innovative service that gives your customers the choice of paying either in the currency used in the country they’re visiting or in the currency in which their credit card is billed.

For you, this means a reduction in the cost of processing foreign cards.

Multi-Currency Pricing

Access a world of sales opportunities.

If you have an ecommerce business or you’re a mail/telephone order merchant, you know the world is now your marketplace. Anyone, anywhere, could be a potential customer. So how do you take advantage of this lucrative situation?

Pivotal Payments offers Multi-Currency Pricing, so you can sell your products and services in over 60 foreign currencies and receive payments directly in US dollars.

PIN Pads

We sell a lot of these. Obviously, these are needed for your customers to punch in their pin numbers for debit cards. If in a pinch we can next-day one to your shipping address if needed immediately.