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Credit Card Processing

Take Payments the Way You Want

We will not steer you towards any specific solution. Instead, we will provide various options and assist you with the setup process. Some of the options we offer include:


- Traditional broker-based merchant processing

- Payment solutions for small businesses and contractors

- Cash discount options for customers

- Significant B2B tier II & tier III savings


Let us help you make an informed decision that best suits your business.

In today's business landscape, there are numerous payment options that can be tailored to your specific needs.

You've dedicated numerous hours to building your business and have made countless decisions to ensure its success. Now, it's important to ensure that your choice of payment method enables you to keep the maximum profit in your pocket each month. Carpfish Creative provides advisory services to assist businesses in selecting the most suitable payment solutions for their specific needs.


This includes point-of-sale (POS) solutions that integrate with various payment methods such as credit cards, debit cards, ATMs. EBT, mobile payments, and even invoice payments on the go. This helps businesses simplify the payment process for themselves and their customers while ensuring top-notch security and PCI compliance. We handle all the necessary processes so that businesses can focus on their core operations.

  • Competitive Interchange Rates

  • Free Hardware Options

  • 24/7/365 Support

  • Same Day/Next Day Deposits

  • Invoicing and ACH Options

  • PLATFORMS: EPX, Global Payments, First Data

We Can Handle High Risk Business

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Platforms We Place Our Clients On...

Global Payments Broker
First Data Partner
EPX Partner

Multiple Gateway Options Available

Paymnet Gateways

Offer Customers the Option of Cash or Card

Yes, you have the option to pass on some or all of your merchant fees to your customers, creating a new revenue stream for your business.

Businesses are starting to offer different prices for items based on whether customers pay with cash or a card. You can adjust the fee to fit your business needs. Customers will be informed about the charge and can choose to pay with cash or use a debit card, which may have no fee if they prefer. This way, you can retain more of your sales revenue that would have previously gone toward processing charges.

Unsure if this program is suitable for your business? Consider the following questions:

  • Do most of your customers use non-cash payment methods?

  • Are your margins suffering due to high payment processing costs?

  • Are you looking for a straightforward solution to improve your margins?

  • Do you want your pricing to be fair to all customers?

  • Do you want to shield yourself and other small business owners from the rising costs of accepting non-cash payments?

We provide you with what you need

  • such as free signage explaining the program to your customers.

  • free Edge Cash Discounting software

  • free equipment options.


What Edge cash discounting eliminates

  • no monthly or annual costs

  • no statement fee

  • no batch header fee

  • no PCI compliance fee

  • no contract commitment



  • The Edge Cash Discounting program works on many POS solutions to meet your business needs, and we even offer free POS equipment if needed.

Simple Solutions for Small Business

My Small Business is Simple when it Comes to Paying. I Want a Single, Fixed Rate!

Low credit card rates

Choose from Payanywhere's range of products including the Smart Point of Sale+, Smart Flex, Smart Terminal, mobile credit card readers, and accessories. Enjoy fixed small business rates starting at 2.69% with no long-term commitments.


What's included:

  • Payments Hub is your online payment portal (PC), which allows for virtual and offline payments, tracking open tickets, customer and inventory management, and employee management.

  • Payments Anywhere App: An easy-to-use Point of Sale software available on Apple and Android Apps.

  • Payanywhere SDK: Accept Payments in Your Native App on Apple, Android, and PC.

  • Next Day or SAME DAY Funding

Harness the Power of B2B Savings

Not all Payment Processors operate the same, see how customers are saving 40-125 basis point using Paytrace!

Improve your payment workflow. Businesses are evolving rapidly, and our payment infrastructure is designed to grow with you, regardless of the pace. We provide reliable payment acceptance options with an uptime of 99.98%. Sign up, get synced, and let our technology team handle the rest with daily updates to ensure secure transactions.

  • Additional TIER II and TIER III Discounting

  • 24/7/265 Support

  • Same and Next Day Deposits

  • Options for Free Hardware

  • Includes Payments Hub (Invoices, Inventory, Benchmarking, etc.) 


Access the best rates

PayTrace uses qualified data to ensure merchants can access the best interchange rates. Our expertise in Level II and Level III processing ensures significant savings on B2B, B2G, and large-ticket transactions. Compare Mastercard's and Visa's current interchange rate groups to see the difference.


Top-notch support

The Paytrace support team, based in the Pacific Northwest, is dedicated to ensuring your success. You also always have your Carpfish Creative Advisor. 


PCI compliance

Merchants can trust that we have created a secure environment, assumed the liability of storing credit card data and encrypting sensitive information with every transaction.


Easy API access

PayTrace's simple JSON API allows you to use your existing software without coding. We offer dozens of pre-configured integrations with leading accounts receivable, ERP, and web-based solutions that you can activate yourself."

Paytrace partner

Interested to See if Your Getting the Best Rates?

We help small businesses save money by reducing credit card processing fees by up to 95% and sometimes even providing new, free POS systems, card terminals, and ATM setups. We are a boutique provider of payments for mainly "high-risk" clients, including CBD/Hemp, Gaming, Collection, and yes, now even Cannabis. 

What type of payments help do you need?

OPTIONAL: Upload your Merchant bill, or simply take a picture and upload it to us. 

Upload File

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