Argent Payments provides credit card, ACH, and gateway processing for small and mid-sized businesses — one provider, transparent Interchange Plus pricing, and a real account team you can actually reach.
Get Your Rate ReviewBefore switching processors, it helps to know what commonly goes wrong — and what a better setup actually looks like.
Many businesses choose a processor based on brand recognition or a recommendation from their point-of-sale provider, without comparing whether the rate is actually competitive.
It can be difficult to know exactly what you're being charged until the monthly statement arrives.
When an issue comes up, getting a real answer can mean long hold times or waiting on a support ticket.
Self-serve platforms are easy to set up, but that convenience often comes with a standard rate and limited support if a chargeback or funding hold occurs.
Every business accepts payments a little differently, and what you're paying reflects that. Tell us a bit about how yours operates today, and we'll walk you through where Argent can save you money, simplify your setup, or both.
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Four things that hold true for every account, from your first conversation with us onward.
See exactly what you pay on every transaction, with your markup disclosed in writing before you sign.
Every transaction is processed to PCI DSS standards, with encryption and fraud monitoring built in.
Your funding timeline is set to match your business and volume, and disclosed upfront, so money moves on a schedule you know in advance.
Reach a real person on your account team who already knows your business.
Platforms built for instant self-signup can't tell a healthy new business from a risky one yet — so funds get held or accounts get reviewed while a transaction history builds. It's a real, common experience for growing businesses, not a rare edge case.
A real person reviews your account before you go live, so your funding isn't the thing being tested once you're already taking payments.
Self-serve platforms provide the tools to set things up, but if your POS, gateway, or hardware doesn't fit the default path, resolving it is largely on you.
Argent sets up your terminals and integrations for you, with most accounts live within about a week.
Currency conversion, cross-border, and convenience fees can appear on a statement without being clearly disclosed up front.
Your Interchange Plus markup is fixed and shown to you in writing before you sign, with no separate fee schedule to track down.
No jargon, no sales pitch — just what merchants actually need to know before they switch.
The right questions can save your business thousands in avoidable fees and contract penalties. Here's exactly what to ask a payment processor before you sign.
A well-planned processor switch is invisible to customers. Here is how to handle the one thing that actually causes disruption.
Reliable subscription billing depends on more than remembering to charge customers each month. Here is the infrastructure that actually prevents failed payments.
Most businesses don't know if their processing costs are competitive. A short call, no statement required — we'll review your current setup and tell you honestly, with no sales pressure.
Schedule My Call Transparent Pricing · No Long-Term Contract · PCI DSS Compliant · A Real Person On Your AccountFrom boutique retail to industrial distribution, Argent adapts to how your business actually accepts payments — not a one-size-fits-all setup. Browse a few of the industries we work with below.
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In-store and online payment processing that keeps up with however you sell.
Table-side, counter, and online ordering, all under one processor.
Get paid on the job site with mobile and virtual terminal options.
Lower-cost ACH processing built for larger B2B transactions.
Secure, PCI-compliant payment collection for patient balances.
Payment processing that matches your purchase order cycle.
Accept payments in-person, online, or on the go. However you get paid, this is the full line card — one provider, one contact, one bill.
Interchange Plus or Multi-Tier pricing, card-present and online, laid out in writing before you sign.
Bank-to-bank payments, built for recurring billing and B2B where card fees eat too much margin.
Phone and mail orders, invoices, one gateway to key in a payment from anywhere, no terminal needed.
Argent works with the point-of-sale you already have, running on Authorize.net, NMI, or Nuvei. Processing and POS are separate decisions.
Custom-branded gift cards, sold and processed through the same setup as your everyday payments.
Funding timelines based on your business type and volume, not one fixed schedule for everyone.
Every transaction is screened before it settles, so disputes get caught before they cost you — not after.
PCI-compliant storage for repeat customers and subscriptions. Set up billing once, let it run.
Invoices customers can pay directly, with status tracked automatically. No chasing checks.
Cards on file update automatically when reissued or expired, so recurring payments do not fail.
A small rate reduction adds up fast at volume. Here's the math on three hypothetical businesses — illustrative only, not a quote or a real client result.
Hypothetical examples for illustration only — not actual client results. Your actual savings depend on your current rates, volume, and card mix.
Multi-Tier pricing buckets your transactions into qualified, mid-qualified, and non-qualified rates — and the processor profits when more of your swipes land in the expensive tiers. Interchange Plus prices every transaction at the real card-network cost plus one disclosed markup, so you see exactly what you're paying and why, transaction by transaction.
No. Every fee — processing markup, gateway, PCI, any equipment cost — is shown to you in writing before you sign. If it's not on that sheet, you won't see it on a statement later.
Yes. Cash discounting is now widely accepted and low-friction for customers. If it's a fit for your business, we'll set it up correctly and train your staff to explain it — most bad experiences with it come from poor setup, not the concept itself. See our compliant fee-offset guide for how cash discounting compares to surcharging.
Most merchants are live within about a week of that first call. We handle the POS and gateway setup for you.
No. Most merchants switch with little to no downtime — we schedule the cutover around your business, not the other way around.
Not necessarily — many existing terminals can be reprogrammed. We'll tell you upfront if yours can't be, before you commit to anything.
Processing and POS are separate decisions — Argent integrates with the point-of-sale or gateway you already use, including Authorize.net, NMI, and Nuvei-based setups.
No — we handle the transition so your new setup is live and tested before your old one is turned off. There's no gap where you can't take a payment.
No. Argent is month-to-month — you stay because it's working, not because you're locked in.
None. If we can't do meaningfully better for your business, we'll tell you honestly, and that's the end of it.
It depends how the platform works. Shopify allows an outside processor for a fee, so we'll show you the real math including that cost — sometimes it's worth it, sometimes it isn't, and we'll tell you either way. Toast requires its own processing to keep full functionality, so we likely can't offer a lower rate while you're on it — happy to talk when that changes.
We ask how you accept payments today and where it's not working, then walk through what Argent would actually charge for that same volume — no statement or paperwork needed up front. If the numbers don't work in your favor, we'll say so.
The same account team that set you up — not a support queue where you re-explain your business from scratch every time. We respond within one business day.
Every setup is PCI DSS compliant, with end-to-end encryption and automated fraud monitoring on every transaction.
Every transaction is screened with address verification (AVS), card verification (CVV), and tokenization before it settles, so disputes get caught before they cost you — not after.
Yes. Beyond card-present and e-commerce processing, Argent handles ACH for lower-cost B2B and recurring transactions, virtual terminals for phone and mail orders, and secure card-on-file storage for subscriptions and repeat customers.