Payment Processing & No‑Cost Payment Gateway Solutions

Cut costs and simplify card and ACH payments
  • Shift processing fees to customer options
  • Manage all payments –  one log-in

For MerchantsFor Resellers & ISVs

Welcome to IntelliPay

Customizable In-Person and Online Payment Solutions for Every Industry

New/Existing MerchantsResellers/Integrations

Simplify Payments, Save Time

Most growing businesses spend hours each week logging into systems, matching deposits, and balancing records.

IntelliPay connects to your existing systems, delivers real‑time payment data, simplifies every step, and can cut reconciliation time by up to 50%.

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Stop Letting Processing Fees Eat Your Profits

A business processing $1 million in card sales can lose $20,000–$40,000 annually to processing fees. That’s money that should stay in your business.

Absorb the Cost or Recover It

The traditional model takes processing fees from your margin on every sale. With compliant fee-based programs, customers who choose to pay with cards cover those costs instead—while you keep card acceptance and customer choice.

Choose Your Model

Dual Pricing displays a “Card Price” and a “Cash Discounted” price. Surcharge adds a fee on credit cards only with a no-fee option. Convenience Fee applies to non-standard channels like online payments.

Each option follows current card brand rules and state regulations. We handle compliance so you don’t have to.

Infographic comparing traditional merchant-paid processing versus customer-paid recovery models like Dual Pricing and Surcharging, designed for IntelliPay compliance

Why IntelliPay?

Since 2004, IntelliPay has been a PCI DSS Level 1-certified payment processor that securely handles high‑volume payments and helps businesses, governments, and organizations nationwide reduce processing costs and simplify operations through a single, flexible platform.

All-in-One Suite

Easily manage in‑person, online, mobile, and recurring payments for every location from a single dashboard, instead of juggling multiple systems and vendors.

Consolidate reporting, reconciliation, compliance, and user access in one place so your team spends less time on manual tasks and more time serving customers or constituent

Complete Control

Set user roles and permissions, automate routine tasks, and monitor every transaction across all sites for clear oversight and audit‑ready records.

Streamlined reconciliations and on‑demand, drill‑down reports give your team secure, easy access to the data it needs to answer questions, resolve disputes, and manage risk.

Reduce Costs

Want to lower what you pay in card fees? Choose from dual pricing, surcharging, service fee, and convenience fee models that can shift some or all processing costs to customers on eligible transactions while aligning with card brand rules.

These flexible options can reduce or even eliminate net card processing costs on qualified payments, helping improve margins without sacrificing customer payment choic

Secure. Fast. Flexible.

Accept credit and debit cards, digital wallets, and ACH across in‑person, online, and mobile channels on a PCI DSS Level 1 network designed for high‑volume, mission‑critical payments.

End‑to‑end tokenization, encryption, and built‑in fraud prevention help protect sensitive data and keep checkout fast, secure, and convenient for you and your customers

Want to learn all that IntelliPay can do for you?

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We serve multiple industries. Please select from the list below to learn more.

 
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Government

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Government

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Automotive

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Automotive

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Property Management

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Property Management

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Enterprise

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Enterprise

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Non-Profit

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Non-Profit

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Medical

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Medical

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Union

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Insurance

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Insurance

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Legal

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Education

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Education

Ready to get started?

Payment Upgrade

We quickly add online payment solutions to existing pages or replace what you already have with a single payment and gateway solution. Schedule a demo to learn more.

Need a custom solution?

Integrate via API or white-label your experience. Then, leverage our experience to help you position integrated payments with your customers.

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EMV certified logo on InelliPay's home page