Service
Payment Processing: Same-Day Deposits, Better Rates
Interchange-plus pricing, same-day funding, and no long-term contracts. Processing through Cygma and other partners.
Secure & Compliant
Verified Protection
Independent Advisory
No lock-in contracts
Same-Day Deposits
Fast Funding
Local Support
Mon-Fri 8am-8pm MT
Payment Processing
Same-Day Deposits with Cygma
FINESSE's house processor Cygma provides same-day deposits, transparent interchange-plus pricing, and no hidden fees. A free rate review compares your current cost to these options. PCI compliance is included, chargeback protection is standard, and multi-currency support is available for international businesses.
Free rate review
24-Hour
Phone tech support
50 States
Businesses served
Free
Rate review
Key Features
Same-day funding available
Transparent interchange-plus pricing
No long-term contracts
PCI compliance included
Chargeback protection
Multi-currency support
Recurring billing
ACH & e-check processing
Frequently Asked Questions
Interchange-plus pricing separates the actual card network cost (interchange) from the processor markup. You see exactly what Visa/Mastercard charges and what your processor adds. This is typically 20-40% less expensive than flat-rate pricing used by Square, Stripe, and Toast.
Transactions settled before the daily cutoff are deposited into your bank account the same business day. This is included at no additional cost for all FINESSE merchants. Standard processors typically hold funds for 1-3 business days.
Dual pricing displays separate cash and card prices. The card price includes a service fee that covers processing costs. Cash customers pay the lower price. This allows merchants to offset 70-100% of processing fees. It's legal in all 50 states and compliant with card network rules.
Savings depend on your current rates, monthly volume, and transaction size. On average, FINESSE merchants save 25-40% compared to flat-rate processors. A restaurant processing $50,000/month typically saves $400-$800/month. FINESSE provides a free rate check to calculate your specific savings.
No. FINESSE offers month-to-month agreements with no early termination fees. This is in contrast to providers like Toast (2-3 year contracts) and many traditional processors (3-year contracts with $500+ penalties). Cancel anytime.
FINESSE has direct relationships with Fiserv, Worldpay, TSYS, and our house processor Cygma. This multi-ISO model lets us place each merchant on the processor and pricing structure that best fits their business type and risk profile.
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