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Merchant Services That Go Beyond Payments

Step into the Future with Rate Tracker

We combine payment processing, POS systems, business lending, and financial health software to help business owners scale smarter.

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Payment Processing
Our payment processing service delivers fast, secure, and reliable transactions for businesses of all sizes. With competitive rates, easy integration, and dedicated support, we help you streamline payments so you can focus on growth.
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POS Systems
Our POS systems are built to simplify operations and boost efficiency. With intuitive interfaces, robust reporting, and seamless payment integration, you get everything you need to manage sales, inventory, and customer experiences—all in one place.
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Business Lending
Our business lending solutions provide fast access to capital with flexible terms and transparent rates. Whether you're expanding, managing cash flow, or investing in new opportunities, we make funding simple so you can keep moving forward.
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Innovative Software
Rate Tracker is our free software that automatically monitors your credit card processing fees, alerting you to any increases or hidden charges. It gives you clear, real-time insights into your costs—so you’re never caught off guard and always in control of your bottom line.
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Smarter Infrastructure

Modern POS + payment tech designed for you.

Built on Partnership

We’re here to grow with you, not just serve you.

Technology First

Flexible tech that fits your operations.

U.S.-Based, Human Support

Skip the hotline — get a dedicated rep.

Rate Tracker integrates with over 150+ different softwares, platforms, and point of sale systems!

Keep your existing software and integrate a Rate Tracker Merchant Account.

Don't See Your Software?

Don’t worry! There are too many to list. Talk to one of our team members to see how we can integrate with your software.

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We're Ready To Support Your Industry

Retail

E-Commerce

B2B

Startups

Small Businesses

Health and Wellness

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Summer’s your busiest season—don’t let clunky payments slow you down. Discover smart, simple ways to get paid faster and keep your business moving.
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How to Avoid a Merchant Services Scam

Learn how to protect your business from hidden fees, fake processors, and modern merchant services scams in 2025.
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Tyler Narducci
Rate Tracker has been a game-changer for managing high-risk payment processing. Their platform is easy to use and gave us full transparency into fees we didn’t even know we were overpaying. The team is incredibly knowledgeable and helped us save a ton. If you’re in high-risk processing, you need this service. I have been a very happy customer for over 2 years now. Highly recommend!
Matthew Kondrup
Adam and the entire team at Rate Tracker are top notch. Being in the Travel Industry , we are considered "High Risk" due to the amount of fraud that happens with travel bookings, especially last minute. They have gone above and beyond to make things as seemless as possible. I would suggest anyone who needs a payment processor to reach out to them
Rich Ayala
If you’re considering doing business with Rate Tracker, I highly encourage you to do so! Adam’s customer service and attention to detail are top-notch. Thanks for understanding and helping out our business, Adam!
Jacob Salmon
I've been using Rate Tracker for 3 years now with one of my businesses and have had great experiences! So much that I am about to use them again for payment processing with my next business!
Nick Krem
Amazing service, you can really trust that they are doing what is best for YOUR business. They share ways to grow your business that most people don’t. 10/10 recommend to anyone.
Brandon Mathie
The Rate Tracker team does incredible work, communication is top-notch, and they show up with a customer-first approach. Great experience!