Processing
Direct payment processing
Accept every card your customers carry, settled through a direct institution instead of a chain of resellers — so more of each sale stays yours.
Merchant services · Mequon, Wisconsin
The shortest distance between a swipe and your bank.
Synergy settles card payments direct — no resellers stacked in the middle, no extra hands on your money. You help set the rate you'll pay.
Direct settlement institution — not a chain of middlemen.
1 direct line
0 middlemen · direct settlement
~30 yrs
Building processing relationships since the '90s
Direct
One settlement institution — not a chain of resellers and third parties
Same day
POS configured, deployed, and taking payments
Every rail
Card, debit, EBT, fleet, gift, and ecommerce
Accepts
- Visa
- Mastercard
- American Express
- Discover
- Debit / PIN
- EBT
- Petro & Fleet
- Gift & Loyalty
- Ecommerce
What we run for you
Everything you take at the counter — and the back office behind it.
One relationship covers the whole payment stack, from the terminal on your counter to the deposit in your account.
Debit & Check Cards
Routed the right way
Over a third of "credit" swipes are really check cards billed at a premium. We route them correctly — often cutting that fee in half — and add PIN debit.
Check Guarantee
Checks that spend like cash
Convert checks electronically with a guarantee: closed account or not, you still get paid. No claim forms, no NSF fees, no chasing deposits.
Gift & Loyalty
Turn regulars into revenue
A turnkey gift and loyalty program that keeps your best customers coming back — and keeps unspent balances sitting in your merchant account.
Working Capital
Advance on future sales
Access working capital against future card volume when a bank won't move. No fixed payment, no collateral — you repay as a share of each sale.
Partner Program
Build a book on our rails
Represent Synergy on your own schedule, anywhere, on a commission plan built to reward the long game. Bring the relationships; we bring the processing.
From application to first deposit
Set up once. Settle direct from there on.
01 — Underwrite
Underwritten completely
We place you with a direct settlement institution that fully underwrites your account and issues a live merchant number.
02 — Deploy
POS live the same day
Your equipment ships fully configured and goes live the day it lands, ready for every payment type.
03 — Accept
Take it all
Card, PIN debit, EBT, fleet, gift, and ecommerce — one account, every rail your customers use.
04 — Settle
Funds land direct
Money settles straight from the institution to your account — one hop, no intermediaries in between.
Pricing, in the open
Name your own rates.
It's how we've priced merchants for decades: cut the resellers and middlemen out of the deal, pass the savings through, and set your rate together — not a tier you get dropped into.
- 01
Fewer hands, lower cost
Direct settlement means no reseller layer taking its own cut — the savings land in your rate.
- 02
The savings are real
Route check-card and debit transactions correctly and the fee can drop by half — money that was quietly leaking now stays with you.
- 03
A rate you set together
Not a teaser tier you get dropped into — the number is the one we agree on for your business.
Represent the rails. Work anywhere.
Synergy partners write merchant business worldwide on a commission plan built to compound. Bring the relationships — we handle the processing.
Let's price your business
Tell us what you're taking today.
Fill out the form and a Synergy representative will follow up with your rate — no obligation, no pressure.
By email
Partner inquiries
By mail
Synergy Bankcard Group, LLC
10936 N. Port Washington Rd., Suite 303
Mequon, WI 53092
10936 N. Port Washington Rd., Suite 303
Mequon, WI 53092