Modern Payment Infrastructure
Eliminate the Friction of Modern Payments
PaymentLOCK provides the infrastructure to reclaim your margins through compliant dual-pricing, secure tokenization, and intelligent transaction routing.
Online Payments
PCI-DSS Level 1
In-Store Terminal
PCI-DSS Level 1
Card Vault
PCI-DSS Level 1
The Cost of Doing Nothing
The Fee Leak
- Hidden interchange markups buried in statements
- Outdated batch processing causing delayed settlements
- Non-compliant surcharge programs risking fines
- Manual reconciliation consuming staff hours
- Fragmented systems for online and in-store
The PaymentLOCK Advantage
- One transparent license price for all online products. No activation or integration fees.
- Real-time settlement with next-day funding
- Fully compliant dual-pricing programs
- Automated reporting and reconciliation
- Unified platform for all payment channels
Your Complete Payment Ecosystem
Online Payments
Accept payments anywhere with virtual terminals, hosted checkout, and API integrations.
In-Store Solutions
Modern POS terminals with NFC, EMV chip, and contactless support.
Card Vault
PCI-compliant tokenization for secure card storage and one-click payments.
Cash Discount / Dual Pricing
Compliant programs that offset processing costs transparently.
Repeat Billing
Automated recurring payments with smart retry and dunning management.
Surcharge
State-compliant surcharge solutions with automated rate management.
Featured Solutions
Card-Not-Present
Invoicing, SMS / Email payment links & HostecF Checkoutpages
Dual Pricing
Clear Dual Pricing for online checkout with ACH options
Repeat Biling
Subscription management, automated invoicing, and srnart payment retry logic,
Card Vault / Customer Profiles
Build better customer profiles for your business.
SMS Text To Pay / Email Links
Easier ways to communicate to accept payments. Create Links, Digital Signatures, attach documents.
Surcharge
State-compliant fee programs with automated calculations and receipt formatting.
New Products, Built for What's Next
Card-Not-Present W/ Dual Pricing and Instant ACH
Our most advanced remote payment solution. Enhanced fraud prevention, Simplistic Checkout Options with Instant ACH activation and advanced reporting—all designed for high-volume merchants.
Branded Payments (Stable Coins)
Build your own Branded Payment — Set up your own coin in minutes. Post it to your web page. Give your customers more ways to pay. ACH, Crypto, Buy Now Pay Later. Drive adoption through loyalty, discounts and repeat payments.
The New Age of Payments.. Your brand / Your Coin
Results That Speak for Themselves
01
Reduced Processing Fees
Transparent pricing eliminates hidden markups and lowers your effective rate.
02
Full Compliance
PCI-DSS Level 1, automated surcharge compliance, and state-by-state regulation adherence.
03
Rapid Deployment
Go live in under 48 hours with guided onboarding and pre-configured terminals.
04
Real-Time Reporting
Unified dashboard for all channels with transaction-level visibility and analytics.
05
Multi-Device Support
Accept payments on terminals, mobile devices, web, and integrated POS systems.
06
Dedicated Support
US-based support team with assigned account managers and 24/7 technical assistance.
Go Live in Three Steps
Integration
Connect through integrated Gateways or deploy our pre-configured terminals with Cash Discount / Dual Pricing applications. Full setup & Support included
Configuration
Customize pricing programs, Dual Pricing custom setup and reporting preferences to match your business needs.
Optimization
Our platform is purpose built for your business. Fully customizable to create the best customer experience.
Built for Every Business
Retail
POS integration, inventory sync, and multi-location management.
Healthcare
HIPAA-aligned payment flows with patient billing automation.
Professional Services
Invoice-based payments, retainer billing, and time-based charges.
E-Commerce
Hosted checkout, cart integration, and subscription management.
Stop Overpaying for Your Own Money