How About You?

Merchant Gateway Success Stories

With our payment processing technology, collecting payments is easier than ever. We provide payment gateway solutions for both low-risk merchant accounts and high-risk merchant accounts. Learn more about how our payment processing services have helped our clients transcend the competition.



Tribal Lending Enterprise


"There are many options out there, but Transcend Pay was by far the best option for us. We were starting a new portfolio and their competitive pricing, no reserve/no minimum policies made a big difference. Their customer service is fantastic, but most importantly, it’s a company you can trust." .

Don S

Don S

Fat Money

Don S

“Transcendpay has elevated our company to a new level. We’ve been looking forever, trying to get another bank account. Transcendpay was able to find us one and set us up with an ACH processor that doesn’t require a reserve, can do same day funding, and has no state limitations on processing ..... Their rates are super low as well.

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CEO, SB Financial Corp.


“I can’t say enough positive things about Transcend Pay. They beat all other platforms hands down. Transcend provided personalized service and understanding of our needs and was a huge advocate during the approval process. The pricing and platform functionality are far superior to ..... what we had currently and others we researched. In addition, the Transcend team goes the extra mile. They know the industry well and provide connections, networking and solutions beyond their own core offerings. Bottom line they help you be more successful in all aspects of the business. I recommend Transcend pay to anyone in the industry.

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Everything You Need,

Our Payment Processing Services

Whether you need to empower your existing merchant account or implement a brand new payment processing solution, Transcend Pay has the payment gateway technology to take your business to the next level.


Transcend Pay Platform

Use our standalone payment platform to handle all of your processing needs. Our streamlined merchant gateway makes collecting payments faster and easier than ever when it comes to eCheck payment processing, credit card payment processing. ACH payment processing, and cash processing.


Transcend Pay API

Not ready to implement an all-in-one merchant gateway solution or need to add payment processing features to support your high-risk business? Our robust API allows your developers to integrate a specialized payments gateway into your existing platform that is catered to the specific needs of your business.



Need a fast, easy-to-implement solution that allows your website to start taking online payments today? Our revolutionary Tpay technology can be installed on your site in seven minutes or less to facilitate eCheck payment processing, online credit card payment processing, debit card payment processing, and ACH payment processing.

T View Reports

Tboards and Tview Reports

Every one of our payment processing solutions gives you access to real-time data about your portfolio to track performance and cashflow. Our clear and transparent reporting allows you to monitor your transactions at every point in the payment process.

Rise Above Your Competitors in Any Industry

Transcend the Competition

Our innovative payment processing technology makes collecting payments and accessing funding easier so you can focus on serving your customers and building your business.

We work with a diversified network of banks and financial institutions to provide merchant payment processing services with no-reserve/no escrow requirements and minimal transaction fees. Our technology solutions allow you to integrate our revolutionary payment gateway into your existing infrastructure to streamline your payment processing.

Whether you’re a newly formed startup ready to begin collecting payments, an established corporation looking for greater flexibility and transparency in your payment processing, or a high-risk business trying to set up a high-risk merchant account without paying crippling fees, Transcend Pay has the tools and expertise to help.

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Rise Above Your Competitors in Any Industry
Full-Stack Payment Solutions

Full-Stack Payment Solutions Payment Processing Features

Every one of our merchant gateway solutions allows you to take full control of your payment ecosystem.


We offer simple, safe, and speedy electronic ACH credits and debits directly to and from your customers’ bank accounts

  • No reserves needed
  • Establish late cut-off times
  • Set up single and reoccurring payments
  • Pay bills easily

The days of waiting for settlement and access to funds are over. Instantly deliver funds to any debit card or prepaid card.

  • 24/7/365 service
  • Real-time access your funds
  • Fast and reliable

With our innovative Check 21 services, you can offer your customers alternative payment solutions that are not subject to ACH thresholds.

  • No reserves needed
  • No junk fees or discount rates
  • Accept more payments
  • Bypass NACHA requirements
Credit and Debit Card Processing
Credit and Debit Card Processing

Improve your collections by easily accepting Visa/ Mastercard debit and credit card payments in real-time.

  • Increase cash flow
  • Convenient payments
  • Immediate processing
Easy Site

Easy Site Integrations with Tpay

You could be accepting payments on your website right now with our innovative Tpay software. Tpay installs in seven minutes or less to integrate your website with our revolutionary payment gateway. 

Sign up today for a demo and get a glimpse of life without payment processing headaches!

See Our Example

Payment Processing Easy Site Integration

The Right Financial Partners Make All the Difference

At Transcend Pay, we understand that having access to the right banks and financial institutions can transform your business and unleash your full potential. That’s why we’ve worked hard to create an “insiders only” banking network that connects our customers with the right banks to help us meet their needs.

Thanks to those relationships, we’re able to offer flexible payment processing services with no reserve requirements, no escrow requirements, and low transaction fees, even for high-risk merchant accounts. Let us handle the behind the scenes work to connect you to the right lenders so you can keep your attention on growing your business.

We’ve got your back.

Step Into Transparency

Take Your Payment Processing to the Next Level

We’re ready to help your business transcend the competition when it comes to payment processing.

Schedule a Demo Now
Step Into Transparency