Payment Infrastructure That Works as Hard as You Do

From in-person terminals to online checkout and everything in between — we provide the tools, infrastructure, and strategic support your business needs to accept payments efficiently and protect margins.

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Merchant Payment Processing

Comprehensive credit and debit card processing that connects your business to the major card networks. We analyze your transaction patterns and recommend the pricing model — interchange-plus, flat-rate, or tiered — that actually fits your business, not the one that's easiest to sell.

Optimized rate structures
Major card network support
Full cost transparency
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Who It's For

Any business accepting card payments that wants confidence they're on the right rate structure.

Why It Matters

The wrong pricing model can quietly drain thousands from your bottom line every year. We help you see what you're paying, understand why, and choose the structure that protects your margins.

POS & Terminal Solutions

Modern point-of-sale terminals and systems engineered for speed, reliability, and the way your business actually operates. From countertop terminals to full POS ecosystems, we match the hardware to your workflow — not the other way around.

Contactless & chip-enabled
Fast transaction processing
Reliable modern hardware
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Who It's For

Brick-and-mortar businesses, restaurants, retail stores, and any operation with a physical checkout point.

Why It Matters

Outdated terminals slow your line, frustrate your customers, and lack modern capabilities like contactless and mobile wallet acceptance. The right hardware pays for itself in speed and experience.

eCommerce & Online Checkout

Secure online payment processing that integrates with your website or storefront. We help you build a checkout experience that's fast, secure, and designed to convert — not one that leaks revenue through friction and abandonment.

Conversion-optimized checkout
Reduced cart abandonment
Multi-method support
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Who It's For

Online retailers, service businesses with digital booking, and any company selling through a website.

Why It Matters

Every extra click in your checkout is a lost sale. A modern, secure payment flow builds buyer confidence and directly impacts your conversion rate and revenue.

Mobile & Field Payments

Accept payments from anywhere using a smartphone or tablet. Built for businesses that operate outside four walls — in the field, at client sites, at events, or on the road.

Accept payments anywhere
Smartphone & tablet compatible
No fixed hardware required
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Who It's For

Field service businesses, contractors, event vendors, mobile professionals, and delivery operations.

Why It Matters

If you can't close the transaction where the work happens, you're creating unnecessary friction and cash flow delays. Mobile payments eliminate that gap entirely.

Virtual Terminal

Process payments through a secure browser-based interface — no physical terminal needed. Handle phone orders, mail orders, and manual card entries from any device, anywhere.

Browser-based processing
Zero hardware costs
Phone & mail order support
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Who It's For

Businesses that take orders by phone, mail, or invoice — including professional services, B2B firms, and call-based operations.

Why It Matters

Not every transaction happens face-to-face. A virtual terminal gives you the flexibility to process payments on your terms without additional hardware investment.

Subscription & Recurring Billing

Automated billing that runs on your schedule. Set up subscriptions, memberships, retainers, and installment plans that charge automatically — creating predictable revenue without manual effort.

Automated billing cycles
Flexible scheduling
Predictable cash flow
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Who It's For

SaaS companies, membership organizations, subscription services, gyms, and any business with repeat billing cycles.

Why It Matters

Manual invoicing wastes time, introduces payment delays, and creates unnecessary administrative overhead. Automated billing turns revenue collection into a background process.

Payment Gateway Integration

Connect your existing business systems — custom websites, shopping carts, CRMs, or business applications — to reliable, secure payment processing through a modern gateway.

Flexible API integration
Reliable transaction routing
Developer-friendly documentation
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Who It's For

Businesses with custom-built systems, development teams, and companies that need API-level integration with their payment infrastructure.

Why It Matters

Your gateway is the bridge between your customer's payment and your bank account. A reliable, well-integrated gateway reduces errors, speeds settlement, and scales with your business.

Reporting & Analytics

Clear, actionable visibility into your payment data — transaction volumes, trends, fee breakdowns, and processing costs — so you can make informed decisions instead of guessing.

Transaction visibility
Detailed fee breakdowns
Trend & anomaly detection
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Who It's For

Business owners and finance teams who want real insight into their payment operations and cost structure.

Why It Matters

You can't optimize what you can't measure. Clear reporting helps you identify trends, catch anomalies, and understand exactly where every dollar of processing cost goes.

Onboarding & Ongoing Support

From initial setup to day-to-day operations, we provide hands-on support that goes beyond troubleshooting. Equipment configuration, system training, strategic check-ins, and responsive issue resolution — all included.

Dedicated account support
Hands-on onboarding
Responsive issue resolution
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Who It's For

Every Cherokee Payments AI client. This isn't an add-on or a premium tier — it's how we operate.

Why It Matters

Most processors treat support as a cost center. We treat it as the foundation of the relationship. When something needs attention, you reach a real person who knows your account and can act.

Your Margins Deserve Better

Most businesses are overpaying on processing and don't know it. Send us your statement or book a 15-minute call — we'll show you exactly where the money is going and what can be done about it.

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