Payment systems structured properly.
We set up card and ACH payments for retail, B2B, ecommerce, software and professional-service businesses, then keep them priced and running right as you grow.
We built the software we run our own book on.
SPS Portfolio Manager tracks residuals from every processor, PCI dates, merchant billing and rep payouts in one place. Other agents and offices use it too, and every workspace is walled off, including ours.
Built around how your business takes payments.
Retail & B2B
Counter, phone and invoice payments, set up for the way your customers actually pay.
- Card and ACH
- Commercial card savings: Visa CEDP and Level 2/3 data
- Surcharge and dual-pricing programs
Ecommerce, ISV & SaaS
Gateway and API setups that plug into your site or software and scale with volume.
- Gateway selection and integration
- Recurring billing and stored payment methods
- Platform and ISV partnerships
Professional services
Invoicing and online payments for firms that bill clients directly.
- Invoice and payment-link workflows
- PCI compliance handled
- Chargeback support when disputes come in
Works with the platforms you trust and use.
Everything between your customer and your deposit.
Structured invoicing
Invoices your customers can pay by card or ACH, synced with how you already bill.
Risk & compliance
PCI, underwriting and chargeback exposure handled up front, not after a problem.
Gateway infrastructure
The right gateway for your site, software or terminals, configured correctly.
ACH & B2B payments
Lower-cost bank payments for larger tickets and recurring customers.
Cost recovery programs
Compliant surcharge, dual-pricing and cash discount programs that offset processing fees.
Retail & POS
Terminals and point-of-sale systems, including Square, set up and supported locally.
Visa CEDP and Level 2/3. Set up to save.
If your customers pay with business, corporate or purchasing cards, the data sent with each sale changes what it costs you. In April 2025 Visa introduced the Commercial Enhanced Data Program (CEDP), and in April 2026 it retired its old Level 2 rates. Setups that used to qualify for lower rates may now be paying more.
Mastercard still rewards Level 2 and Level 3 data, so the right setup pays off on both networks.
How we help
- Review your statements to see how many commercial cards you take and what they cost
- Check that your gateway, terminal or software can send Level 2 and Level 3 data
- Set up tax, invoice and line-item details to fill in automatically, so staff don’t key them
- Confirm on your next statements that those sales are qualifying
Analyze. Architect. Support.
We don't recommend anything until we understand your business. Then we stay on after launch.
Review what you pay today
Interchange categories, fees, volume, workflow and risk. A free savings analysis with no obligation.
Design the right setup
Gateway, processor, ACH and pricing chosen for your business, not a one-size package.
Stay with you after launch
Monitoring, disputes, PCI and rate reviews as you grow, with direct access to the team that set it up.
Square set up and supported locally.
We’re an authorized Square partner. Free equipment for qualifying merchants, full setup and staff training, and a local team to call afterwards.
Find out what you should be paying.
Book a free 30-minute call, or email a recent processing statement to info@strategicpaysolutions.com for a no-obligation savings analysis.