Join the 30,000+ businesses leveraging Kurv
Credit Card Processing Built for Your Business
Kurv makes credit card processing for small businesses simple: accept Visa, Mastercard, Discover, and American Express payments in-store, online, and on the go. You get transparent pricing, next-business-day deposits, and a dedicated support team available around the clock.
Free terminal options for new customers!
Secure, simple, and quick application process.
Accept Credit Card Payments Anywhere Your Customers Are
Pricing you understand
You benefit from flat, published rates, with interchange-plus available, and every cost disclosed before you sign.
Deposits that keep pace with your needs
Funds from each day’s card sales settle to your bank account by the next business day.
Hardware without the headaches
Start with Tap to Pay on your phone, then add a Kurv terminal and connect your existing tools when you’re ready.
Support from humans who pick up
Our dedicated team is available 24/7/365, so you reach a real person instead of waiting in a ticket queue.
Flexible Credit Card Processing for Every Sales Channel
In-store POS & credit card machines
Choose a credit card machine for small businesses that fits your floor plan, then run it through the same merchant account as every other channel. Our handheld smart terminal is wireless and follows the customer wherever they stand, while our all-in-one terminal anchors to a countertop, with inventory sync, receipts, and reporting in one unit.
- Chip, tap, and swipe acceptance is the baseline for in-person sales, and both terminals handle all three
- Built for retail, restaurants and bars, service counters, and multi-location shops managed from one portal
- Kurv manages the hardware and the account, so setup help, replacements, and statements come from the same place
Mobile credit card processing
Mobile credit card processing gets you paid before you leave the job. Tap to Pay turns a compatible iPhone or Android into a contactless reader for cards and digital wallets. Text to Pay sends customers a payment link, and a wireless smart terminal adds chip and swipe for crews who want a dedicated device.
- Taking the card while you’re still on site turns “I’ll mail a check” into a payment before you leave the driveway
- Built for HVAC, plumbing, electrical, landscaping, cleaning, pest control, and any crew that collects payment on site
- Mobile, counter, and online sales settle to one merchant account and show up in the same report
Online credit card processing
You don’t need to rebuild your website to add online credit card processing. Our gateway connects to common eCommerce platforms and shopping carts, or drops in as a hosted checkout page. It can manage one-time orders, recurring billing, and card-on-file charges from one dashboard.
- A fast, secure card step at checkout keeps the sale you already won from slipping at the last click
- Built for eCommerce shops, subscription businesses, and service companies that invoice by email
- One merchant account behind every channel means online orders show up beside in-store and mobile sales in the same reports
Virtual terminal & virtual credit card processing
Our virtual terminal handles virtual credit card processing for phone and mail orders: your staff member keys the card details into a secure web page from any computer, tablet, or phone with a browser, and the charge runs through your merchant account like any other sale. There’s no hardware to buy and no code to install.
- Customers who order by phone or mail still expect to pay by card—keying it in closes the sale on the call
- Suitable for catalog sales, deposits for appointments, invoices paid over the phone, and back-office billing
- Keyed payments post to the same merchant account as your counter, website, and mobile sales
The virtual terminal sits alongside our other online payments tools.
Contactless & digital wallet payments
Contactless and digital wallet payments run on the same Kurv hardware as chip-and-swipe, so you can accept Apple Pay, Google Pay, Samsung Pay, and contactless cards from day one. Customers hold a card, phone, or watch near the handheld smart terminal, the all-in-one terminal, or a phone running Tap to Pay, and the sale approves in seconds.
- A tap takes less time than a dip, and the difference adds up
- Works at the counter, tableside, curbside, and on the job, plus wallet options at your online checkout
- Wallets pass a tokenized card number instead of a real one, so each tap carries its own protection
Flexible Integrations That Fit Your Stack
Mix and match hardware to fit your flow and build a checkout experience that works for your space, your staff, and your customers.
Built-In Security You Can Trust
Industries We Serve
Simple, Transparent Pricing. No Fluff.
Every card sale carries interchange and network fees set by the card brands, plus your processor’s markup. Kurv combines both into one flat rate per transaction type, so you know what a sale costs before you make it. Qualifying businesses can switch to interchange-plus, with card brand fees at cost plus one fixed markup, and high-volume discounts are available too. Ask about both when you apply.
Option
Your rate
In-person · swiped
Card present at your terminal
2.50% + $0.10 / txn
Keyed & online
Manually entered, eCommerce & invoicing
2.90% + $0.25 / txn
Zero Fee Most Popular
Customer pays the surcharge, not you
0% to you
IC+ and volume discounts available
How It Works
Apply, sign, and verify your business online, no paperwork required.
Choose a terminal or POS system, turn on Tap to Pay for the road, or connect your online store.
Accept Visa, Mastercard, Discover, and American Express in person, online, or on the go from the day you go live.
Card sales reach your bank by the next business day, and your merchant portal tracks transactions, deposits, and fees as they happen.
The Kurv Advantage
Next-day business funding
Card sales settle to your bank account by the next business day, with no cash-flow bridging while you wait.
Easy pricing
Competitive and transparent pricing models so you know what you’ll pay.
Easy onboarding
No sales call required to sign up today.
Quick approval
Get approved in as little as 1 day with our proprietary underwriting technology.
Simple integration
No headache for connecting and testing your account.
24/7/365 support
Get support on your terms with our on-call client success team.
DA
Dale Robertson
EA
Eva Diek
KR
Kristal
TE
Terry Randle
PR
Pro Wrap Movers LLC
ER
Eric Manning
Brian Sheffield
Local Zip
“They can make our processing work seamlessly. They don’t waste time telling us what we want to hear. They treat us the way we hope to treat our customers.”
43% Growth in Net Sales
Sales climbed 43% in the first five years since partnering with Kurv.
10x Faster Payments
Kurv’s advanced tech increased payment speed more than tenfold.
90% Issues Resolved Remotely
Updates and fixes happen instantly. No downtime.
Frequently Asked Questions
How much does credit card processing cost for small businesses?
Kurv’s standard rates are flat: 2.50% + $0.10 for Visa, Mastercard, and Discover cards presented at your terminal, and 2.90% + $0.25 for keyed and online payments. Zero-cost processing is available, where the cardholder pays 3.95%, and interchange-plus and high-volume discounts are available if you qualify. No monthly, setup, or annual fees, and your exact rates are confirmed during the application. Check out our pricing page for more information.
Do I need to pay a monthly fee for credit card processing?
No. Kurv has no monthly fee. You pay a flat rate per transaction, or interchange-plus if you qualify, so a slow month costs less than a busy one.
How quickly will I receive my funds after a transaction?
Kurv normally deposits your card sales into your bank account by the next business day. There’s nothing to request: funds move automatically once the day’s transactions settle, and the merchant portal shows each deposit alongside the sales that make it up, making reconciliation simple.
Can I accept contactless and digital wallet payments?
Yes. Every Kurv terminal accepts contactless cards and digital wallets, including Apple Pay, Google Pay, and Samsung Pay, as well as chip and swipe. Tap to Pay works the same way on a compatible iPhone or Android phone, with no terminal at all, and your online checkout can also offer wallet buttons. There’s nothing extra to enable.
What credit card machines and hardware does Kurv support?
Kurv supplies its own hardware, from handheld and countertop terminals to Tap to Pay on your phone, all on one merchant account. It also integrates with many existing POS and business management systems.
Can I also accept ACH and bank transfer payments?
Yes. Automated Clearing House (ACH) payments are processed through the same Kurv merchant account as your card sales, so a customer can pay an invoice straight from their bank account, and you see it in the same portal.
How do I start accepting credit card payments for my small business?
Start with the online application: provide a few details about your business, a digital signature, and complete online verification. Most low-risk merchants are approved within 24 hours. Pick your hardware or gateway, and you can accept cards in person, online, or on the go quickly.
Payments You Can Trust, Peace of Mind You Deserve
Start accepting payments instantly
Join the 30,000+ businesses leveraging Kurv