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Comprehensive Payment Processing Services

At Specialized Processing Solutions, we're dedicated to revolutionizing the way businesses handle payments. Our unwavering commitment to excellence has earned us the trust of countless clients, making us a cornerstone in the payment processing industry.

What We Do

  • Credit Card Authorization: Secure and efficient authorization of credit card transactions, ensuring seamless payments for your customers.
  • Clearing and Settlement: We facilitate clearing and settlement for major card networks, including Visa, MasterCard, American Express, Discover, Diners Club, Carte Blanche, JCB, and fleet cards, ensuring timely processing of transactions.
  • Mobile Smartphone and Tablet POS Processing: Our mobile POS solutions empower businesses to accept payments anytime, anywhere, providing flexibility and convenience for both merchants and customers.
  • Nationwide Debit and EBT Card Processing: Streamlined processing of debit and Electronic Benefit Transfer (EBT) card transactions, enabling businesses to cater to a wider customer base.
  • UnionPay Integration: Seamless integration with UnionPay, allowing businesses to accept payments from customers using UnionPay cards, enhancing accessibility for international transactions.
  • Electronic Check Services: Comprehensive electronic check services, including conversion, guarantee, verification, and recovery, providing businesses with secure and efficient check processing solutions.
  • Prepaid Card Issuance: Customized prepaid card issuance solutions tailored to meet the specific needs of your business and customers.
  • Gift and Loyalty Card Programs: Implementation of gift and loyalty card programs to enhance customer engagement and loyalty, driving repeat business and revenue growth.
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A credit card reader and a credit card.

High-Risk Transactions

Safeguard your high-risk transactions with our expert solutions. Specialized Processing Solutions offers reliable services tailored to handle high-risk transactions, ensuring your business operates smoothly and securely.

  • Cruise Lines

  • Air Lines

  • E-commerce

  • Subscriptions

  • Ticket Resellers

  • Online Gambling

Crypto Payment Processing

Dive into the world of cryptocurrency with confidence. Our cutting-edge solutions at Specialized Processing Solutions make handling crypto transactions seamless and secure. Explore hassle-free crypto processing tailored to your business needs today.

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A person holding a credit card and using a machine.

Hair Salon Payment Processing

We understand the unique needs of hair salons and are dedicated to providing tailored payment processing services that ensure smooth and efficient transactions. Our expertise in the payment processing industry makes us a reliable partner for hair salons looking to enhance their payment systems.

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Prequalification Application

First we will look at your overall volume, chargebacks and returns of your business. After, we will review all information provided and determine if your organization is qualified.

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Union Pay

With the explosion of eCommerce globalization, UnionPay is the #1 way to immediately increase sales from people who previously were unable to conduct business on your website.

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Gaming Solutions

Online and physical casinos need a way to get players cash into their account, and ACH and eCheck acceptance is a guaranteed way to quickly and securely load funds

Learn More
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eCheck ACH and Check 21

Reduce risk and protect against bad checks with guaranteed funding. Checks are instantly approved or declined at the point of sale. Approved checks are guaranteed to be funded.

Learn More
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Prepaid Cards

Prepaid and Stored Value Cards have been increasing in popularity over the last several years – with many economic benefits to both the cardholder and issuing party.

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The Platforms

The SPS Platform is a flexible, secure, compliant and customizable 21st century payment processing solution developed using the most advanced reliability and secure technology.

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The Gateway

Our extensive rule-based gateway allows you to utilize various processors and banks, card networks and even allow extensive connectivity to your disparate systems without any additional IT resources.

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E-Wallet

eWallets are the latest trend in technology as related to payment transactions. An eWallet can allow you to access funds from a variety of incoming sources and spend it through a number of outgoing sources

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Reseller Opportunities

We offer true revenue splits and other multi-level sales commissions working with ISOs and MSPs. Only to seek individuals working within the payment processing industry is where we direct our clients

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Merchant Accounts

Transactions are monitored to ensure your company obtains the best possible rates and will point out systemic inefficiencies which may result in “downgrade fees,” which actually cost your company more! All made possible by the proprietary SPS Platform

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Prequalification Application

Reducing Processing Costs

Increasing Your Overall Customer Satisfaction.

You had enough of your current processor? Tired of overpaying for transactions and the limitations of your current processor? Specialized Processing Solutions is ready to assist your organization in reducing your overall processing costs and increasing your overall customer satisfaction!

To begin, you will need to complete our merchant pre-qualification form. There is a button on the bottom of the form “Submit to SPS” which will automatically email your document to us once complete.

You are also required to submit your last three months of credit card processing statements for our review. We look at your overall volume, chargebacks and returns. After we review this information and determine we can assist your organization, we will forward you a link to our full merchant services application and list of required documents to get you on your way to saving money on credit card processing on every transaction.

Application Process

You will use the form, provided in step 2 below, to submit these documents.

Step 1: Merchant Pre-qualification Form – Click Here To Download the SPS Merchant Pre-qualification Form
Step 2: Merchant Processing Statement Submission Tool – Submit your last three months of credit card processing statements as a PDF (1 document for each month) using this form.

Max. file size: 512 MB.
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Reseller Opportunities

Opportunities For The Masses

Sustainable Systems That Add Value.

Specialized Processing Solutions Offers a variety of Reseller programs, extending our capabilities to your customers and merchant partners – giving them access to our incredible Platform and our most-favored rate status to an array of entities.

Bonuses available in the following Merchant categories:

  • International Sales Organizations

  • Hospitality Industry

We offer true revenue splits and other multi-level sales commissions. We only seek individuals already working within the payment processing space. We only solicit clients with high monthly volume minimums to ensure we provide top level service to all our clients.

We can work with you on a referral or managed on boarding basis. We can work with ISOs and MSPs with any number of agents.

Platform

Array of Entities

  • Independent Sales Organizations

  • Independent Reseller Agents

  • Systems Integrator Providers

  • Value Added Resellers (VAR)

  • POS System Providers

  • Payment Gateway Providers

  • Shopping Cart Providers

  • Shipping-Freight Providers

  • Network Marketing Organizations

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First-class service:

  • Proven, tested systems

  • Secure online transaction monitoring and processing

  • First class online reporting tools

  • Ability to deposit into nearly any country, any currency across multiple
    processing currencies

  • Transactions processed in over 100 currencies

  • UnionPay marketing opportunities for select merchants

  • Access to nearly every payment method worldwide

  • Data monitoring to ensure best discount rate

  • eWallet, payroll cards and other programs

  • Global operations to allow clients from nearly any country

  • Systems and staff evaluation to ensure all guidelines and processes are in compliance with Card Network guidelines.

  • Savvy technical staff to ensure all is going well

All major card networks:

  • Visa

  • Mastercard

  • American Express

  • Discover

  • JCB

  • Diners Club

  • UnionPay

  • and more!

E-Wallet

Global Visibility Is Instant And Absolute

Comprehensive And Easy To Understand

eWallets are the latest trend in technology as related to payment transactions. An eWallet can allow you to access funds from a variety of incoming sources and spend it through a number of outgoing sources. Specialized Processing Solutions was behind the first online, real-time credit card processing for eCommerce, so you can expect a great application platform for our eWallet.

Our solutions are easy to use for both clients and their members. We also enable a consistent brand experience for employees and members with options to white label the system. Global visibility is instant and absolute with management dashboards that are comprehensive and easy to understand. We maintain an extensive set of internal fraud prevention processes coupled with redundant systems. Your organization is always in control of its funds. Our 24 hour customer service is the best in the industry.

  • Flexibility

  • Cost Effectiveness

  • Exportable Transactions

  • Reconciliation Procedures

  • Global Visibility

  • Fast Delivery

  • Consistent Brand Experience

  • Latest Trends

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Our International Reach

Organizing Your Business Anywhere In The World

Access from Anywhere: Our international reach allows your members to connect with your organization from anywhere, at any time around the world, from multiple devices (web or mobile).

Fully Customizable: The E-Wallet delivers a solution that matches your existing branding and web design, providing a professional and seamless user experience for your members.

Robust Reporting: The platform provides on-demand exportable transactional reporting of accounts, providing you with all the needed tools for simple reconciliation procedures. The platform provides on-demand exportable transactional reporting of accounts, providing you with all the needed tools for simple reconciliation procedures.

Fraud Prevention: Our state-of-the-art technology monitors the flow of funds through the system, proactively identifying and assessing potential threats. Fraud prevention mechanisms ensure your company transactions run smoothly and efficiently.

Control of Funds and Quick Deposits: We have developed an innovative system that allows your company to maintain full control of your funds. The system also provides fast delivery of funds to your members and distributors.

The Gateway

Integration Can Help Your Business Sore

Extensive Connectivity To All Your Systems

Specialized Processing Solutions has a next-generation gateway which provides a multitude of extended services for our merchant partners. Today’s business demands more features and functionality to properly manage your merchant processing needs no matter now complex or how many difference merchant accounts your business demands.

  • Extensive Connectivity

  • PCI Compliance

  • Infinite Control

  • Multiple MIDs

  • Plug & Play Solutions

  • Data Security

  • Recurring Billing

  • SPS Fraud Tools

  • Virtual Terminal Transactions

  • Mobile-Based Interface

Unlimited Flexibility

With the Specialized Processing Solutions gateway, you open the door to an all new world. Single API integration and change processors on the fly without having to recode any APIs into your platform.

PCI Compliance

Merchants can take a step further by implementing secure payment redirection to fully remove all payment data from their systems keeping merchants clear of card association fines and PCI compliance violations.

Finite Access Control

Create user groups for access to only reporting, conducting transactions via the virtual terminal, access to mobile transactions as well as which merchant accounts they can access and in what currency.

Unified Reporting

With unified reporting your company can look at one dashboard and see all transactions across all merchant accounts, banks and processors. Reporting across multiple MIDs, processors, regions and processing accounts is key.

3rd Party Data Exchange

Echo Data Exchange functionality allows your organization to connect billing, payment and fulfillment systems without additional IT integration through our platform based on transaction level data.

Extensive Fraud Tools

Our Fraud Tools was designed to detect and avoid criminal activity and credit card fraud by utilizing our industry leading technology in data security. Employs intrusion prevention to radical levels of data security.

Recurring Billing Support

With our recurring billing system, you have the flexibility to create payment plans that fit your business. Plans can bill in any timeframe you wish. Our plans also support promotions and discounts.

Virtual Terminal

Clinics and Professional Associations can process charges from any merchant accounts by simply making a selection from a drop down box while enabling your team to store customer data and recurring billing plans.

Mobile POS

Attach the card swiper to the audio jack and swipe the credit card to make payments on the spot. Available for your iPhone, iPad, or Android device. Using customizable rules in the gateway will only transmit orders properly.

Shopping Cart Ready

Integration can often be the most challenging part of connecting to a new gateway or payment processor. Connect to the most popular shopping carts used in eCommerce today in just few hours with over 72 platforms.

The Platforms

To Ensure Uncompromised Reliability

Innovation For The New Generation of Payment

The SPS Platform is a flexible, secure, compliant and customizable 21st century payment processing solution. With more than 20 years experience in the payment processing industry, this proprietary platform was developed using the most advanced technology to ensure uncompromised reliability and security far into the future. Today’s traditional payment platforms were built during the early days of computing on outdated legacy system mainframes. These systems are pretty set in their functionality and features without the ability to provide innovation for a new generation of payment products in this ever changing landscape of omni-channel commerce.

A person holding a credit card in their hand.

The proprietary technology for the U.S. has been implemented and becomes the one source global platform that drives consumer-generated payments through ATMs, POS terminals, mobile phones and the Internet. The scalable and customizable modules support emerging technologies such as smart cards, gift cards, prepayments and contactless payments.

With our state of the art technology, we support 188 currencies, 44 languages, multi-currency transaction support, dynamic currency conversion and other features that are simply unattainable from any other payment processing platform in the world! Our platform is used by several major banks due to it’s fluid and extensible nature, providing for an unlimited number of customizations and reporting in any format.

The normalization of data processing from a single TPP source means all data, regardless of the source, is all accessible on same platform. We are fully committed to industry compliance requirements such as data encryption, data masking, PA-DSSand the upcoming SEPA.

Covering All Aspects

  • Merchant Acquiring

  • Clearing and Settlement

  • Online Switching and Authorization

  • PIN management

  • E-commerce Processing

  • Dispute and Fraud Management

  • Card Issuance

  • Legacy System Mainframes

  • Omni-Channel Commerce

To Ensure Uncompromised Reliability

Innovation For The New Generation of Payment

  • Product Configuration for issuing and acquiring
  • Fees and Charges Generation
  • FX and Conversion
  • Cardholder and Merchant Customer Relationship Management
  • Report Generation
  • Statement and Billing
  • General Ledger and Accounting
  • Access management

To Ensure Uncompromised Reliability

Innovation For The New Generation of Payment

The Platforms Core is the heart of our system

Combined with our other Platform products it delivers an end-to-end solution supporting all aspects of card issuing, acquiring and clearing services needed by financial and non-financial organizations.

All our other products and services are built around the core, providing highly scalable and flexible solutions. This enables clients to set up their system rapidly and cost effectively by configuring only those products and modules required for their business.

Global compliance of interchange rates

Clearing and settlement of transactions is one of those key areas in the payment transaction cycle. We understand that happy customers translate into healthy profits. This is why we have taken special care in designing and developing a solution that enables our customers to settle and reconcile transactions efficiently in any possible scenario.

Calculation of interchange fees is an essential functionality for any financial institution calculating the expected acquired interchange revenue per transaction based on predefined rate programs.

Prepaid Cards

Providing Full Support For Private Labels

Enabling Your Business To Provide a Variety Of Services

Prepaid and Stored Value Cards have been increasing in popularity over the last several years – with many economic benefits to both the cardholder and issuing party. Specialized Processing Solutions provides full support for the creation of a private label prepaid card, enabling your business to provide a variety of services, whether in the credit banking industry, check cashing and payroll advance industry, grocers, big box retailers or businesses who wish to simplify their payroll, bonus and “spiff” program payouts.

Employee Payroll, Bonuses and “Spiff” Payouts Private Label Reloadable Cards

You’ve seen the racks at the pharmacy – there are a variety of pre-paid products on the market today and are currently serving millions in the US. Your organization can leverage a custom-designed private label reloadable card, complete with a Visa or Mastercard logo, allowing instant usage in retail, online, paying bills and all the traditional uses of a credit card. Your organization can earn fees associated with card usage, refills and ongoing transactions. We can set custom pricing for the cardholders to ensure you make a monthly payment off every card. Studies show that the average pre-paid card generates $8 in profit per month. When you get 100,000 cards in circulation – that’s potentially $800,000 a month in pure profit!

Consumer Reward Cards

Customers love to get a free bonus, and when you have Specialized Processing Solutions handle a turnkey reward program, you can have a pre-paid Mastercard or Visa in the hands of your avid brand loyalists for making their most recent purchase. You can order reward cards in predetermined amounts (like $10, $20, $50), or have them dynamically produced with the customer name on them in a general fulfillment process. Some people need instant, and our reward cards do not require pre-registration, making it easy and simple for in-store distribution as the sales occur!

Solutions

  • Economic Benefits

  • Check Cashing & Payroll

  • Custom Designed

  • Immediately Accessible

  • Turn Key Rewards Program

  • General Fulfillment

  • Reloadable Cards

  • Practical Solutions

  • Large Profit Margens

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eCheck ACH and Check 21

Reduce Your Risk With Every Check

Flexibility Makes Life Easier

Specialized Processing Solutions offers an array of e-check, EFT, ACH and Check 21 solutions for your business. Get funds faster than physically depositing checks and lower your processing costs versus credit cards.

  • Guaranteed Payments

  • Manual Deposits

  • Virtual Terminals

  • Fraud Detection Services

  • Automatic Payments

  • Email Communication

  • Hassel Free

  • Recurring Billing

  • PCI Compliance

POS Check Acceptance

Reduce risk and protect against bad checks with guaranteed funding. Checks are instantly approved or declined at the point of sale. Approved checks are guaranteed to be funded.

Check 21+

Check 21+ is a versatile payment option that fits the needs of many different merchants. This flexibility makes Remote Deposit Capture ideal for many sales environments. Versatile payments that fit your needs.

Checks by Web

Funds are received in your bank account within 24 hours and the cost structure is much less than credit card processing. Transactions can be guaranteed, ensuring your payment is 100% paid – every time.

ACH Debit

Recurring billing transactions are handled automatically through our gateway – allowing email communication regarding failed transactions, upcoming charges and the ability for the customer to quickly and easily update their payment information -all while ensuring PCI compliance.

Checks by Phone

Guaranteed funding is available. Merchant will be funded even if check returns. Merchant is required to utilize a Virtual Terminal to input transactions. A sophisticated fraud detection service that verifies consumers against a national negative database.

Paper Guarantee

Accept checks at the point of sale and enjoy the peace of mind of guaranteed payment. Paper checks are manually deposited into the bank and will be guaranteed if returned unpaid. Sophisticated risk assessment features help identify high risk transactions instantly, at the point-of-sale.

Gaming Solutions

Solutions Made Easier

Specifically Designed For Your Business

Legalized gaming is now operating in several states in the United States and in many countries abroad. Both physical and online casinos need specialized payment processing and cage services to service the gaming industry. Specialized Processing Solutions offers an array of services specifically designed for these gaming needs to ensure quick, efficient and secure payments.

  • Authorize up to $50,000

  • Parimutuel Betting

  • Instant Processing

  • Low Fixed-Rate

  • 100% Guarantee of Funds

  • Increased Limits

  • Variety of Payout Options

  • Comprehensive

  • Traditional & Prepaid Cards

  • Advance Wagering

ACH and eChecks

Online and physical casinos need a way to get players cash into their account, and ACH and eCheck acceptance is a guaranteed way to quickly and securely load funds. Cage services available for physical casinos can authorize up to $50,000 in a single transaction for those VIP players with a proven track history, and your player doesn’t have to pay any exorbitant fees to their credit card company while you enjoy a low fixed-rate for accepting their deposit.

eWallet Services

Online gaming has specialized needs allowing for the deposit of funds as well as a place for the house to make payouts to the customer. Markets in Europe and Asian countries can utilize a variety of alternative payment methods which have been well established in the gaming business, facilitating the use of funds from one gaming site to another and allowing the consumer the ongoing use of funds.

Credit Card Acceptance

Online and physical casinos need a way to get players cash into their account, and ACH and eCheck acceptance is a guaranteed way to quickly and securely load funds. Fantasy sports, online gaming, parimutuel betting and advance wagering establishments can all take advantage of credit card acceptance, and Specialized Processing Solutions can help show you the way!

Union Pay

International Acceptance Network

Further Enhance Your Future In Business

UnionPay has over 3.5 billion cards in circulation worldwide and is largest card network in the world. Specialized Processing Solutions offers a 100% reliable connection for processing UnionPay transactions online, with 100% PIN based fraud protection and advanced features like recurring billing.

Specialized Processing Solutions can enable any eCommerce business to start accepting UnionPay, opening their business to 3.5 billion cardholders worldwide. With the explosion of eCommerce globalization, UnionPay is the #1 way to immediately increase sales from people who previously were unable to conduct business on your website. Today’s merchants need to accept a variety of payment methods, and few know that UnionPay cards outnumber Visa worldwide!

As of now, UnionPay card international acceptance network covers all of China, and also extended to more than 90 countries and regions in 5 continents. Over 10 of them, including Japan, Korea, Singapore, Russia and Mongolia have issued UnionPay cards.

UnionPay will further enhance international cooperation in the future, work hand in hand with partners to achieve mutual development and success,to build UnionPay into a major international bankcard brand with global influence, and to make a greater contribution to the overall prosperity of the global bankcard industry.

  • About Union Pay

  • Union Pay Brand

  • Payment Flow

  • Co-Op Marketing

  • Union Pay News

  • Union Pay FAQ

  • Processing Rates

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Serving Cardholders Around The World

  • Asian-Americans Represent: $718 billion in buying power that is expected to reach $1 trillion in just five years

  • Household Median: Income is 28 percent higher than the total U.S. median in 2012

  • Asian-American Households: 28 percent have annual incomes greater than $100,000, compared to 18 percent of total U.S. households

  • Shopping Online: 77 percent of Asian Americans shopped online last year with an average $2,500 spend, compared to 61 percent of Americans, who averaged about half in spending online

Merchant Accounts

Transactions Made Easier

Eliminating Your Payment Processing Concerns.

Merchant services from specialized processing solutions will be a breath of fresh air for those merchants who have experienced working with the largest processors in the US. Our team of well-trained professionals have extensive knowledge in the payment processing space, allowing us to do not only a good job for your company – but a great job!

SPS will eliminate your payment processing concerns. Transactions are monitored to ensure your company obtains the best possible rates and will point out systemic inefficiencies which may result in “downgrade fees,” which actually cost your company more! All made possible by the proprietary SPS Platform.

Service Offerings

  • Credit Card Processing

  • E-Commerce

  • Check Services Branded Gift Cards

  • Prepaid Card Issuance

  • Chargeback Management

  • eWallet Services

  • High Risk Merchants

  • Managed Services

Why choose Specialized Processing Solutions?

  • Accept all major cards: Visa, MasterCard, American Express, Discover, JCB, and UnionPay

  • EBT, EFT, ACH: Electronic check services, prepaid card issuance and gift card programs

  • Increased cash flow by providing access to your: Visa, MasterCard and UnionPay funds within 24-48 hours

  • Our Platform: Advanced account self-management through

  • 24/7: Customer Service

  • Personalized training: No company too big or too small

  • SPS: Has been an industry leader since the advent of eCommerce

Seamless Payment Solutions Today

Ready to streamline your payment processing and elevate your business? Contact Specialized Processing Solutions today to learn more about our comprehensive payment processing services.

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