Seasoned Professionals, Not a Call Center
Sixteen years of combined experience in merchant services, hundreds of merchants served, and a straightforward way of doing business: no contracts, no monthly fees, and rates we are happy to put next to anyone's.
Who We Are
Direct Line Payments is run by seasoned industry professionals with 16 years of combined experience in merchant services and payment processing. Between us we have worked with hundreds of merchants over the years — restaurants, retail shops, auto services, medical practices, professional offices — and we are excited to bring that experience to your business.
Sixteen years is long enough to have seen how this industry usually treats small businesses. Rates quoted one way and billed another. Statements that grow a new line item every quarter. Three-year terms with a termination fee attached, because that is easier than earning the renewal. We have watched all of it from the inside.
So we built Direct Line Payments to do the opposite of every one of those things. No term agreement. No monthly fee, no annual fee, no early termination fee. Rates that are genuinely competitive, quoted off your own statement instead of off a rate card. And a dedicated US account manager on every account — one person who picks up when you call, who already knows your business and how your terminal is set up.
Why We Work This Way
Three decisions that shape everything else about how we do business.
If we have to lock you in, we haven't earned it
A three-year term with a termination fee is how this industry protects itself from its own service. We would rather re-earn your business every month — you stay because the fees are gone and because the person who set up your account picks up when you call.
Nothing replaces the fees you stop paying
Plenty of programs eliminate your percentage fees and then hand back a monthly program fee, a statement fee, a PCI fee and an annual fee. Ours does not. Our compensation comes out of the processing itself, which means we do not need a stack of line items to make the relationship work.
Your money should not be the slowest part of your business
Most merchants are on a next-day or two-day funding cycle and were never offered anything else. We put every account on a 12-hour cycle from the first batch, because a good Friday that does not clear until Tuesday is a cash flow problem dressed up as a processing schedule.
Why Businesses Choose Us
How We Work
Four steps, and the first two cost you nothing but the time it takes to send a statement.
Free Savings Analysis
Send us your current merchant statement — or just your monthly volume — and get a complete breakdown of your savings.
Custom Plan
We price the cash discount program for your business and transaction volume, and quote traditional processing alongside it — under Stripe’s 2.9% + 30¢ — if that would serve you better.
Get Set Up
Usually we can reprogram the equipment you already have. If you need hardware it arrives ready to run, and we handle the configuration.
Start Saving
Your percentage processing fees drop to zero, nothing replaces them on your statement, and you keep more of your revenue from the first batch.
Put Sixteen Years to Work on Your Statement
Send us a recent processing statement and we'll show you line by line what you're paying now against what you'd pay with us. Free, no meeting required, and nothing to sign to find out.