Start accepting credit cards on your web site in less than 3 days!

ZCHEX Incorporated provides online high risk credit card merchant accounts, with customer relationship management applications to service businesses selling products and services as well as subscriptions.

In addition to accepting credit cards on your web site in real-time, you can also request a free Virtual Terminal so that you can accept payments offline such as by phone. Accept Visa, MasterCard and Amex via your own merchant facility. High volume merchants can even choose their own descriptor! Our rates are discounted based on processing volume, and unlike domestic banks in countries such as the USA, there are no processing volume restrictions. Whether you expect your business to process one hundred dollars per month or 100 million, we will have a cost effective solution for you.

Major credit cards and debit cards processed include:


  • MasterCard
  • Visa
  • American Express
  • Cirrus Maestro
ZCHEX Incorporated can offer you an integrated high risk merchant account with fast approval and setup. Payments are reliably made directly by the bank to the account of your choice.

Eliminating hidden fees is a great way to save, but ZCHEX does much more than just that. We make credit card processing simple, friendly and affordable for all businesses.


It really is as easy as 1, 2, 3!

  1. Contact us
  2. Consult with one of our specialists
  3. Complete application and start processing

Accept Payments Anywhere

With ZCHEX you can accept payments in person, over the phone, or online with our POS, mobile, and virtual terminals.

All Businesses Accepted

No matter what industry you are in, ZCHEX will get you up and running quickly!

Daily & Weekly Deposits

Get daily and weekly deposits made directly to your bank account. No more waiting for your money!

No Contracts

We're so confident you'll love ZCHEX that we don't require contracts or commitments. Use ZCHEX because you want to, not because you have to.

Accredited Business

ZCHEX Merchant Services is a proud member of the BBB because we're dedicated to quality, service, support, and helping you succeed.

Use Our Latest Technology to Process Payments on the Go

With our free mobile app, state of the art PCI-compliant point of sale systems, and virtual terminals allowing you to accept payments, online, on-the-go, and in the office: you'll have everything you need to grow your business.