The Last Payment Processor.You’ll Ever Need.
Black Mesa Payments provides business owners better payment processing with no junk or hidden fees, no rate increases, and 24/7 US based support.
- 300+
- Merchants served
- $200M
- Processed annually
- 15–100%
- Saved on fees
Free Savings Review
Send us your current statement and we’ll show you the math. No obligation.
Accounting software, ERP, POS systems, and processors we work with
Stop Overpaying On Every Sale With Black Mesa Payments
Black Mesa Payments helps small business owners keep more of every sale with simple, transparent dual pricing. No surprise fees. No rate creep. Our program is built to put processing costs back in your pocket.
The Numbers Behind Black Mesa
- Merchants served
- 300+And counting, across every industry we serve
- Annual card volume
- ~$200MProcessed across our merchant base
- Monthly fee savings
- 15–100%What our average clients save
- US-based support
- 24/7No phone trees, no overseas reps
Once Businesses See How Dual Pricing or Interchange Plus Works, The Math Is Obvious
Most business owners we sit down with are shocked at what they've been paying. Once we show them how dual pricing works, the math is obvious. Lower fees, month-to-month on nearly every account, and a local team that's actually accountable.
Solutions For Every Type Of Business
You may need a full countertop POS solution. You may need a terminal to take payments on the go. You might need to take payments online. However you take payments, we have the solution that helps your business run better, at less cost to you.
Choose from popular terminals like Dejavoo, Valor, Pax, Clover, or SwipeSimple. Choose from POS favorites like Shift4Dine POS, Korona Retail, Genius and more.
Need integration into Quickbooks? We have that too with Hyfin.
In order to serve our business customers effectively, we have integrations with the largest processors in the world like Fiserv, TSYS, Global and Worldpay.
We Work With These Verticals
View all industries
How Much Could You Save?
Tell us what you process each month, pick who you process with today, and see what dual pricing does to the bill.
How much do you process each month?
Compared with
- Cards
- 2.99%
- ACH
- 1%
- Processing fees (estimated)
- $1,246
- Effective rate (estimated)
- 2.49%
With Black Mesa Payments
| Fee | Customer pays | You pay |
|---|---|---|
| Cards | 3.75% | 0% |
| ACH | 0% | 0.75% |
| Processing fees (estimated) | $94 | |
| Effective rate (estimated) | 0.19% |
You save
$1,153/ month
on processing fees
Get a Free Statement ReviewEstimates only, not a quote. Competitor figures use each processor’s published rates; your actual statement may include fees this model cannot see. Send it over and we’ll do the math properly, free.
Pick Your Pricing
Every business is different, and so are its payment processing needs. That’s why Black Mesa Payments offers flexible pricing models designed to help you keep more of your hard-earned revenue. Our average clients save between 15% and 100% a month on processing fees.
Dual Pricing
0% ProcessingEliminate credit processing fees completely by offering your customers two prices. One for credit, one for ACH.
- Pay 0% to accept cards
- 100% compliant
- Save up to 90%
Traditional
For businesses that prefer classic interchange + margin pricing with no hidden fees, no surprises.
- True wholesale pricing
- Full transparency
- Best for high volume
Flat Rate
One predictable fee for each transaction, no matter what card your customer uses.
- One consistent rate
- Easy to calculate costs
- Online payments
Complete Payment Solutions for Your Business
Whether you run a food truck, a consulting firm or a grocery store, we have a solution for you.
The POS Lineup Behind the Counter
We are true resellers and dealers for the industry’s best point-of-sale platforms, which means real 24/7 support, transparent pricing, and no rate increases on any of them.
Shift4Dine POS
formerly SkyTabOne of the top two restaurant POS platforms in the US, and we are the sole operators of the Oklahoma region dealership. No cost up front, dual pricing or flat-rate fees, and total support from the first conversation through go-live.
- Sole Oklahoma-region dealership
- No cost up front
- QR ordering & 3rd-party delivery integrations
- Tableside ordering + payment devices
Korona Retail
$99/mo · no contractA serious retail POS up against Shopify, Lightspeed and Clover. No contract, we handle the card processing, and it integrates with WooCommerce for ecommerce.
Genius Restaurant POS
a Global Payments brandNo junk feesA favorite of franchise chains and local restaurants and bars. As a true reseller we route you around the processor’s rate increases and big annual fees. Clean pricing, no contract.
SumUp POS
AI-driven loyaltyBuilt for light retail, salons, coffee shops and quick serve. Its standout is a loyalty platform that texts customers individual, AI-tailored offers.
Keep the Software You Already Run
Most platforms lock you into one processor and one rate. We plug better processing into the tools your business already uses.
- QuickBooks + HyfinAs low as 0%
QuickBooks’ built-in processing runs 2.99% on invoices, 3.5% on keyed transactions, and 1% on ACH. Our Hyfin integration cuts every one of those (by about half a percent all the way down to zero with dual pricing) and two-way syncs with QuickBooks Online so paid invoices close themselves.
- Open Payments Connect3–4% → as low as 0%
Field-service, home-service, spa and salon software usually allows exactly one processor at 3–4%. Our Chrome-extension integration syncs Black Mesa processing straight into those platforms instead, which allows you to pay 15-100% less fees each month, keeping more money in your business.
- Continue to GiveEffective rate under 1%
Our nonprofit platform handles donations and tithes plus event management, accounting, QR giving, and 501(c)(3) tax forms for donors. Most donors choose to cover the processing fee themselves.
Also plays well with WordPress · WooCommerce · BigCommerce · GoHighLevel · Gravity Forms · Ecwid · PrestaShop · Shopify Plus · NetSuite · Acumatica · Microsoft Dynamics 365 · Sage. And if your platform isn’t here, ask: finding the right rails is what we do.
See every platform we connect toLocally Owned. Locally Accountable. Locally Trusted.
At Black Mesa Payments, we believe you deserve local service, straightforward pricing and honest business practices. Our reputation in the community matters. If we can't save you money or help your business, we'll tell you straight.
It's why nearly all of our merchants are with us month to month, with no long-term lock-in, so we have to earn your business every single day.
- Same or Next-Day Funding
- 24/7 Support
- Month-to-Month
- Accept All Cards
- Rates locked-in
- Local Support
Andy Grove
Tulsa, OK10+ years in payments; has built and led sales teams across the country.
Connect with Andy on LinkedIn
Brian Werkman
Oklahoma City, OK9+ years in payments; the same coast-to-coast team-building record.
Proud members of the Oklahoma Hotel & Lodging Association, the Oklahoma Restaurant Association, the Grove Area Chamber of Commerce and the South OKC Chamber of Commerce, aligned with processor partners that have each been in business for 20+ years.
Results For Businesses Like Yours
See the results we deliver for our clients.
No Phone Trees. No Overseas Reps. No Runaround.
Most processors hide behind a 1-800 number and a phone tree designed to make you give up. We don't. When something breaks at 9pm on a Saturday, you're not stuck holding for an hour.
You text or call your rep directly and someone actually picks up. That's the whole difference.
- 24/7 U.S. based support
- Dedicated account managers who know your business
- Local reps
Switching Is Easier Than You Think
Free statement review
Send us your current statement and we show you exactly what you’d save. No obligation.
We board your account
A typical merchant is live in 3–5 business days. Full-service POS installs take about two weeks.
You get paid faster
Every account gets same-day or next-day funding from day one, with your rate program locked in.
Frequently Asked Questions...
How much can I save with Black Mesa Payments?▼
It depends on your volume and what you pay today, but our average clients save between 15% and 100% a month on processing fees. With dual pricing, you can pay 0% to accept cards. Use the savings calculator above for an estimate, or get a free review of your current statement.
How does Dual Pricing work?▼
You offer your customers two prices: one for credit, one for ACH. That eliminates credit processing fees completely: you pay 0% to accept cards, and the program is 100% compliant.
Will my rate go up later?▼
Your processor-fee program is locked in for the life of our relationship, so the pricing you agree to is the pricing you keep. Card brand interchange, dues and assessments are set by the card brands and are outside our control, so we will never tell you those are frozen. Your rates are set for your business based on your volume, average ticket and credit and debit mix, and there are no junk or hidden fees.
How fast do I get my money?▼
Every account we board gets same-day or next-day funding, whatever your size, and that starts from your first day on the program. If you want to see how that compares to what you get now, send us your current statement and we’ll go through it with you free.
What kind of businesses do you work with?▼
We work with restaurants, retail, automotive, B2B, home services and contractors, professional services, hospitality, liquor stores, high risk industries, and cannabis (with cashless ATM). However you take payments (countertop, mobile, or online), we have a solution.
Do you work with high-risk businesses?▼
Yes. We are approved for most high-risk verticals and MCCs through high-risk banks, so you are not charged outsized fees just for your industry and your cutoff risk stays low. There is no fixed list and every account is looked at case by case, so tell us what you do and we’ll tell you straight whether we can board you. Cannabis is supported with a cashless ATM.
Are there any contracts or sign up fees?▼
Nearly all of our merchants are with us month to month, with no long-term contract, so we have to perform every single day. The one exception is our Shift4Dine restaurant POS, which comes with a 36-month agreement. Either way there are no junk or hidden fees, and your rate program is locked in for the life of our relationship.
Will this work with the software I already use?▼
In most cases, yes. We integrate with WordPress, WooCommerce, BigCommerce, Ecwid, PrestaShop, GoHighLevel and Gravity Forms, and with Shopify Plus (we do not support regular Shopify ecommerce or Shopify POS for brick-and-mortar). QuickBooks Online users get a two-way sync through our Hyfin integration, so paid invoices post back as closed. If your field-service, home-service or salon software locks you into one processor at 3–4%, Open Payments Connect syncs our processing into it instead.
What terminals and POS systems can I get?▼
On the terminal side we work with Dejavoo, Valor, PAX, Clover and SwipeSimple, covering countertop, mobile, virtual terminal and light POS. For full point of sale we are a reseller for Shift4Dine (formerly SkyTab) in restaurants and hospitality, Korona for retail, Genius, and SumUp for light retail and quick serve. Which one you end up on depends on how you actually take payments.
How long does it take to get set up?▼
A typical merchant is boarded and live in 3–5 business days. Full-service point-of-sale installs need at least two weeks. We handle the whole process with you directly.
Find Out How Much Black Mesa Payments Can Save You
Stop losing money to fees that are eating your margins. Get a free review and see how much money we can put back in your pocket.
Free Savings Review
Send us your current statement and we’ll show you the math. No obligation.