Independent payment advisors — est. San Diego

If you've been thinking about opening that…

Wine bar.
Pilates studio.
Coffee shop.
Boutique.
…or whatever you're building.

We help new and established businesses choose the right payment platform, hardware, and rate. Already processing? We’ll evaluate your current setup and rates — and if you’re already in a good spot, we’ll tell you.

Get your rate analysis Book a Payment Consultation

Transparent agreements • No-obligation consultation • U.S.-based support

Veterinary clinic exam room with a vet tech and a small dog

Bright boutique pilates studio with reformer machines

Independent.
By design.

More choice.
Less guesswork.

Modern independent wine bar interior with warm wood bar

Boutique retail store interior with curated clothing racks

Take payments, anywhere

Online, in-store, or on the go. JustPayments has a solution for every situation.

In-person

Accept contactless payments at checkout or on the go.

Clover Kiosk self-ordering payment station

Keyed & over the phone

Get paid faster with Invoicing and the Virtual Terminal.

9:41

100%

JustPayments

Virtual Terminal

Card Number

•••• •••• •••• 8294

Exp

09/27

CVV

•••

Amount

$150.00

Charge $150.00

Online

Build an online store or add payments to your website.

yourstore.com/shop

Shop AllCart (2)

☕

Artisan LatteOat milk · Extra shot · Large

$6.50

Add

🥐

Butter CroissantWarm · Add jam (+$0.50)

$4.25

Add

🧃

Fresh JuiceOrange · Ginger boost (+$1.00)

$7.00

Add

Checkout · $17.75

Product

Software that looks like it belongs in your room.

Payments, reporting, and hardware that match the design standard of the business you're building.

Barista at a specialty coffee shop counter

Daily volumeLive

Card present: $4,182.40
Tap to pay: $1,904.15
Effective rate: 2.54%

CheckoutTerminal

Flat white ×2: $11.00
Almond croissant: $6.50
Subtotal: $17.50
Total: $19.03

Charge card

Modern payment terminal on the counter of a specialty coffee shop

Payments without limits

JustPayments has both physical and virtual terminal to serve your every business need.

💳 Payment LinkLIVE

Amount Due$1,500

Website design deposit

Pay Now →

Secured by JustPayments

Generate payment links

Simply enter the amount you'd like to collect and receive a shareable payment link in seconds. Send it via text, email, or any channel you prefer.

JustPaymentsINVOICE

Invoice #INV-2024-0042

ToAcme Corp

Consulting (10hrs)$2,000

Rush delivery$350

Total$2,350.00

Send Invoice

Send invoices

Create and send professional invoices in just a few clicks. Email them directly to your customer and get paid faster—no chasing required.

🔄 Recurring$10,231/mo

Jane D.$150/mo · Next: Feb 15

Active

Mike R.$89/mo · Next: Feb 18

Active

Sarah K.$250/mo · Next: Mar 1

Paused

Handle recurring payments

Automate billing for your returning customers. Schedule charges to credit or debit cards on any cadence and eliminate the hassle of manual follow-ups.

🔒 Card Vault240 stored

Acme CorpVisa •••• 4829

Smith LLCMC •••• 1053

Peak DesignAmex •••• 7741

Charge Selected Card

Keep cards on file

Security is handled for you. Store cards on file and charge customers with a single click whenever a balance is due.

JustPaymentsREADY

Total$127.50

Insert Card ▼

✱

⌫

✓

Wi-Fi & Cellular EMV Quick Chip

Accept credit or debit payments instantly when customers insert or dip their card using our secure Wi-Fi & Cellular EMV Quick Chip terminal.

JustPaymentsREADY

Total$127.50

Tap to Pay ✦

✱

⌫

✓

Pay

Contactless Payments

Let customers pay hassle-free with Apple Pay, Google Pay, or any NFC-enabled card—no physical contact needed.

Our Top POS Solutions

The right point of sale for the way you do business

As independent consultants, we're not locked into one brand — we match you with the platform that fits, install it on-site, and back it locally.

Square Register Gen 2 point of sale system — Square hardware offered by JustPayments

Built to get you open fast.

Built for startups, retail, restaurants, and businesses that want to get started fast.

Hardware: Square Register · Square Terminal · Square Stand

No monthly POS software
Accept payments anywhere
Inventory management
Online store included
Appointment scheduling
Restaurant & retail options

Best for: Retail, Coffee Shops, Ice Cream, Boutiques, Pop-up Shops, New Businesses

Starting at $0/month software*

*Square software plans start free; paid plans and processing rates vary by product.

Clover Station Duo 2 point of sale system — Clover hardware offered by JustPayments

America's most flexible POS platform.

From countertop to tableside, Clover runs your operation front to back.

Hardware: Station Duo · Flex · Mini · Compact

Restaurant POS
Retail POS
Service businesses
Customer loyalty
Online ordering
Gift cards
Advanced reporting
App marketplace (500+ apps)

Best for: Restaurants, Pizza Shops, Steakhouses, Retail, Healthcare, Service Businesses

SpotOn Restaurant POS station with customer-facing card reader — SpotOn hardware offered by JustPayments

Restaurant technology built to help you grow.

SpotOn combines point-of-sale technology, payments, online ordering, marketing, labor management, and guest engagement in one connected platform — designed to streamline operations while improving the customer experience.

Hardware: POS Station · Handheld · Kitchen Display

Complete restaurant point-of-sale platform
Handheld ordering & tableside payments
Online ordering & delivery integrations
Customer loyalty & marketing tools
Labor scheduling & employee management
Detailed sales, menu & performance reporting
Multi-location management capabilities
On-site installation, training & ongoing support

Best for: Full-Service Restaurants, Quick-Service Restaurants, Bars & Breweries, Coffee Shops & Cafés, Pizzerias, Takeout & Delivery, Multi-Location Groups

Dejavoo P8 dual-screen Android payment terminals — Dejavoo hardware offered by JustPayments

Simple payment processing that works with nearly every business software.

Whether you run a medical office, auto repair shop, veterinary clinic, professional service business, or retail store, Dejavoo terminals integrate seamlessly with thousands of payment workflows — so you keep the software you already use.

Hardware: Countertop · Wireless · Mobile

Integrates with 99% of business software platforms
Secure EMV, tap-to-pay & contactless payments
Countertop, wireless & mobile terminal options
Fast, reliable transaction processing
Affordable hardware & flexible deployment
Local setup, training & ongoing support

Best for: Medical Practices, Dental Offices, Auto Repair Shops, Veterinary Clinics, Professional Services, Offices & Service Businesses

SkyTab by Shift4 POS workstation and handheld — Shift4 hardware offered by JustPayments

Enterprise POS built for restaurants.

SkyTab by Shift4 powers hospitality's biggest names — and keeps taking payments even when your internet doesn't.

Hardware: SkyTab POS · Handheld · Kitchen Display

Online ordering
QR ordering
Kitchen display system
Labor management
Inventory
Multi-location
Loyalty
Reservations

Best for: Restaurants, Bars, Breweries, Stadiums, Entertainment

Union bar point of sale terminal on a bar top — Union POS hardware offered by JustPayments

Modern POS built specifically for restaurants.

Fast, kitchen-first technology that keeps orders moving from the counter to the line to the delivery app.

Hardware: Station · Handheld · Kitchen Display

Lightning fast
Kitchen routing
Online ordering
DoorDash integration
Uber Eats
Employee management
Kitchen displays

Best for: High-Volume Bars, Breweries, Lounges, Cocktail Bars, Dive Bars

Korona POS retail checkout system with barcode scanner — Korona POS hardware offered by JustPayments

Powerful inventory and retail management.

Cloud-based POS with serious inventory depth for high-SKU retail, liquor, and convenience stores.

Hardware: POS · Back Office · Dashboard

Inventory
Barcode
Purchasing
Stock counts
Employee permissions
Analytics
Multi-location

Best for: Smoke Shops, Convenience Stores, Specialty Retail, Liquor Stores, Gift Shops

Genius POS station with handheld terminal, cash drawer, and receipt printer — Genius POS hardware offered by JustPayments

Flexible POS built for retail and restaurants.

A powerful, customizable POS system designed to simplify daily operations, manage inventory and orders, and give businesses greater control as they grow.

Hardware: POS · Payment Devices · Back Office

Inventory management
Order & table management
Customer insights
Employee management
Advanced reporting
Integrated payments

Best for: Retail Stores, Boutiques, Specialty Shops, Quick-Service, Fast Casual, Restaurants

Square, Clover, SpotOn, Shift4, Dejavoo, Union, Korona POS, Genius, and all other product names, logos, and brands are the property of their respective owners and are shown for identification purposes only. Their use does not imply authorization, endorsement, sponsorship, or partnership.

Not sure which one fits? That's literally our job.

We're independent — so our recommendation is based on your business, not our quota. Free hardware placement, custom menu builds, on-site install, and next-day setup.

Curated

The rooms we work in.

Just a few examples — we work with businesses of every kind, from dental practices and auto shops to thrift stores, gyms, restaurants, vets, salons, and contractors.

Boutique menswear shop interior with tailored clothing racks

Modern salon studio with styling chairs and hanging plants

SALON & BEAUTY

BUILT AROUND YOUR BUSINESS.

Not the other way around.

Built around your business.
Straightforward pricing.
No Kidding.

JustPayments is the easy and affordable solution for small businesses accepting credit card payments in person or online.

Built on the same payment rails used by enterprise merchants.

Never Lose a Sale at Checkout

Accept Visa, Mastercard, Amex, Apple Pay, Google Pay, and more.

Security Without the Headaches

We help with PCI compliance so you don't deal with audits or fines.

Get Paid Even When You're Not In-Person

Send invoices, take phone payments, and collect faster.

Turn Any Phone Into a Payment Terminal

Perfect for service businesses, pop-ups, and on-the-go sales.

Know What's Happening With Your Money—Now

Track transactions, spot trends, and export reports instantly.

Enterprise-Level Security Built In

The same encryption used by national brands.

Industries We Serve

Flexible Payment Solutions for
Specialized Industries

JustPayments goes beyond the basics. We deliver secure, industry-smart payment systems built to handle the complexities of your business.

Dental Practices

Modern, HIPAA-conscious payment tools built specifically for dental offices—streamline check-ins, billing, and patient payments.

→ Accept HSA/FSA, automate recurring payments, and reduce billing friction.

View dental payment solutions

Medical & Healthcare Practices

Payment solutions designed for medical offices, clinics, and healthcare providers—so you can focus on patients, not paperwork.

→ Simplify copays, insurance billing, and patient financing options.

View healthcare payment solutions

Veterinary Clinics & Animal Care

We offer fast, mobile-friendly payments for pet parents, plus backend tools to manage invoices, treatment plans, and follow-ups.

→ Speed up checkout and simplify follow-ups for treatment plans.

View veterinary payment solutions

Auto Repair Shops & Services

From diagnostics to detailing, we help automotive businesses reduce payment friction and speed up checkouts.

→ Secure deposits, approve estimates, and get paid faster on large tickets.

View auto repair payment solutions

Restaurants (QSR & Full Service)

From quick service to fine dining, we provide fast, reliable payment terminals, tableside payments, tip management, and integrated POS solutions.

→ Move lines faster, handle split checks, tabs, and peak-hour volume with ease.

View restaurant payment solutions

Home Services & Contractors

Get paid on-site or online with mobile-friendly payments built for service businesses. Accept deposits, send invoices, and collect payments instantly—whether you're in the field or back at the office.

→ Collect deposits on-site and get paid before the job ends.

View home services payment solutions

Retail & Specialty Shops

Boutiques, gift shops, vape shops, and specialty retail—we deliver modern POS systems with inventory tracking, detailed reporting, and seamless checkout experiences.

→ Track inventory, speed up checkout, and sell across channels.

View retail payment solutions

Professional Services

Consultants, agencies, legal pros, and freelancers—get paid faster with digital invoicing, secure virtual terminals, and automated receipts.

→ Invoice clients and collect payments without the back-and-forth.

View professional services payment solutions

High-Risk Merchants

CBD, supplements, adult, firearms, subscription models, and other high-risk verticals—we work with reliable networks that won't shut you down.

→ Get a stable, long-term processing solution that fits your model.

View high-risk merchant solutions

Not sure if we support your industry? Book a free consultation and we'll walk you through your options.

Book a Free Call Send Your Statement

Simple, transparent pricing.

Choose the pricing model that works best for your business. No fees, ever.

Interchange Plus

Traditional pricing where you pay interchange plus a small markup. Ideal for businesses wanting transparent, predictable costs.

In-Person & Online

IC + Custom Tailored Rate

$0/month · No monthly fees

All major cards accepted
Next-day funding
24/7 support

Forecasted Effective Rate

Most businesses on interchange-plus pricing see an effective rate between ~1.90%–3.00%.

Surcharging

Add a small fee to credit card transactions to offset processing costs. Customers see the fee at checkout and can choose to pay cash instead.

How Surcharging Works

• The surcharge amount is clearly disclosed to customers before payment
• Only applies to credit card transactions (debit cards are excluded)
• Surcharge is capped and configured in compliance with card brand and state rules

Your Effective Rate

1.5%or less

After surcharge offset

25–75% average processing cost savings
Compliant signage provided
Automatic fee calculation
Full transparency

Dual Pricing

(Cost-Offset Programs)

Display separate cash and credit prices at checkout. Customers choose how to pay—you keep 100% of your cash price on every sale.

How Dual Pricing Works

• Separate cash and card prices are clearly displayed at the point of sale, giving customers full transparency and choice
• Availability and requirements vary by jurisdiction, processor, and card-network rules
• You receive 100% of the listed cash price, with no processing fees deducted

Your Cost

$0in processing fees

Customers who choose credit pay the processing cost

No processing fees
Configured for compliance across applicable states

Why businesses switch to JustPayments

Straightforward pricing, flexible solutions, and real support—built for businesses that want clarity, not contracts.

Transparent pricing with no fees

Merchants switch to JustPayments because they want to understand exactly what they're paying. Our pricing is clear, predictable, and fully disclosed—no teaser rates, no surprise fees, and no confusing statements.

Month-to-month options are available through select providers and programs. Contract terms vary by provider, equipment arrangement, product, and merchant approval.
Clear breakdowns of processing costs
Pricing aligned with how your business actually operates

Flexible pricing options that match your business model

Every business processes payments differently. We offer multiple pricing structures—Interchange Plus, Surcharging, and Dual Pricing—so merchants can choose the option that best fits their industry, customers, and growth goals.

Guidance on choosing the right model
Set up to follow applicable card-brand rules and provider requirements; merchants remain responsible for compliance
Ability to adjust as your business evolves

Fast onboarding with real, human support

Merchants switch because they're tired of call centers and ticket systems. With JustPayments, setup is straightforward and support is handled by real people who understand payments and respond quickly when you need help.

Next-day setup available
One point of contact, not a rotating queue
Ongoing support beyond onboarding

Are you ready
to start?

Complete this form and one of our team members will be in touch with you.

Why JustPayments?

Solutions Built Around Your Business
Modern Payment Technology
Unconditional Support
24/7/365 Support

Monthly Processing*

First name*

Last name*

Business name*

Phone number*

Email*

How can we help?

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Call JustPayments

(619) 257-3096