The Invoice Payment Processor with Zero Credit Card Processing Fees

Accept credit cards and pay $0 processing fees. Charge $100 and receive $100!

Benefits

Why choose us for payments?

Accelerate your cash flow

TRADITIONAL
28
Days

On average, it takes up to 28 days for a business to get paid.

vs
SPS
1
Day

On average, approximately 80% of payment requests sent with SPS are paid the same day.

Save up to 100% on your card processing fees

Card and ACH payment screen comparison

Zero Cost Card Payments

When customers pay with cards (typically 2 out of 3 invoices), your cost is zero fees.

Low Cost ACH Payments

Customers are naturally led away from cards to pay with low cost ACH payments (typically 1 out of 3 invoices).

Automatic Dual Pricing

Offer your customer the option to pay a lower price if they choose to pay with cash or electronic check.

Automate your invoicing receivables and save time

Electronic Billing

Send invoices with one click via email, text, or online payment links.

Proactive Collections

Schedule due dates, reminders, and automatic past due notifications.

Predictable Payments

Eliminate slow payments with saved methods, autopay, and recurring plans.

Invoice automation illustration

Cost Savings Calculator

How much do you currently process each month?

$
0%

Compared with

QuickBooks
Cards2.99%
ACH1%
Processing Fees (estimated)$1,495
Effective Rate (estimated)2.99%

How much can I save?

Huge Savings
Customer Pays You Pay
Cards 3.75% 0%
ACH 0% 1%
Processing Fees (estimated)$0
Effective Rate (estimated)0%
Save
$1,495 / month
on processing fees

Estimates are based on the following revenue splits: 100% credit cards and 0% ACH.

Get a branded, keepable breakdown of your numbers — yours to keep and share.

Features

SMART
INVOICING

PAYMENT REQUESTS

PAYMENT
LINKS

RECURRING PAYMENTS

AUTOMATIC PAYMENTS

VIRTUAL
TERMINAL

HOSTED

PAYMENTS

SECURE
PAYMENTS

Smart Invoicing

Automate your receivables and never look back.

  • Create invoices and schedule payments in one simple step

  • Automatically apply discounts, fees and sales tax

  • Schedule deposits or installments to automatically send requests to your customer to get you paid

  • Secure payment links are delivered to your customers via text message and email

  • Customize invoices with your logo and colors

Payment Requests

Send your customers a payment request via text and/or email and get paid fast.

Recurring Payments

Hassle free subscription billing with SPS recurring payments.

  • Schedule and forget, we will get you paid

  • Send your customers a billing recurring payment request and let them add their payment method securely

  • Set up payment frequencies and cycles

Automatic Payments

Making accounts receivable easy!

  • Allow your customers to save their card-on-file

  • Automatically capture payments for future invoices

  • The safest and fastest way to process customer payments

Hosted Payments

Let your customers pay you anytime, anywhere.

  • Accept credit card and ACH payments on your website securely and quickly

  • Allow your customers to securely pay their invoices directly from your website

  • Embed directly inside your website or send customers to a link with your branded hosted payments page

Virtual Terminal

Quickly process card-not-present transactions.

  • Process payments from anywhere, on the spot

  • Securely save customer payment information on file for future business

  • Automatically send customers payment receipts via email and/or text message

  • No payment devices or equipment required

Contact Us

Please complete the form below to learn more.

Copyright © 2026 Sales Point Systems. All rights reserved.