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    Gift & Loyalty Cards.

    Merchant Services Done Right

    Payments in USA.

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    Mobile Payments

    Your Companion in USA.

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    We Are Your

    Partner Forever

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    We have the

    Best Plans for Clients

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Ready for the Convenience

Choose a Financial Solution

We are driven by a mission to empower local businesses with the knowledge and tools they need to thrive—delivering smiles, savings, and smart solutions along the way. Our clients experience significant savings, often reducing processing costs by up to 30%.

Merchant Services
Gift & Loyalty Cards
Mobile Payments

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Merchant Services

Payment processing shouldn’t be a costly hassle. We offer transparent, customer-focused merchant services designed to make every transaction easier and more affordable.

Here’s what sets us apart:

  • No Contracts, No Penalties: Flexibility without the fine print.
  • Consistent Rates: No annual price hikes—guaranteed.
  • Personalized Support: Direct access to a dedicated local representative anytime you need help.
  • Always PCI Compliant: Built-in security to protect your business and customers.
  • Fair Pricing from Day One: Honest rates with no surprises.
  • Next-Day Funding: Keep your cash flow on track.
  • Affordable Equipment: Transparent pricing—no hidden fees or inflated leases.

It’s time to take control of your payments and focus on growing your business. We're here to help you do just that.

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Gift & Loyalty Cards

Boost Loyalty and Retention with PaySmart Gift – At No Cost to You!

Yes, you read that right: grow your business and build lasting customer connections without spending a dime.

  • Why Gift & Loyalty Programs Matter:
  • Increased Profits: On average, 18% of gift cards go unredeemed, putting extra profits back into your business.
  • Modernize Your Approach: Ditch outdated paper certificates for sleek, customized gift cards that double as free advertising in your customers' wallets.
  • Drive Customer Engagement: Loyalty programs give your customers a reason to return—again and again. They not only encourage repeat visits but also boost spending during those visits.
  • Tailored Solutions for All Businesses: You don’t need to be a big brand to offer a professional, customizable loyalty system.

Let us show you how to grow your business by turning customers into loyal brand advocates.

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Mobile Payments

Take Smarter Payments Anywhere with Our Mobile Solutions

Accept credit card payments anytime, anywhere with ease. Our mobile payment solutions help you grow sales, boost customer loyalty, and enhance customer confidence.

With just your Android or Apple device and our complimentary mobile swiper, your business can start accepting payments effortlessly.

Perfect for:

  • Businesses offering delivery services
  • Companies constantly on the move
  • Reliable backup for traditional point-of-sale systems

Whether you're on-the-go or looking for flexibility, we provide the tools you need to keep payments simple and secure. Start taking smarter payments today!

Corporate Financeand Online Payment,Gift Cards,Merchant Services Company in USA

Experience a Better Way of Doing Business – No Contracts, No Hassle

Say goodbye to outdated contracts. If your current payment processor insists on locking you in, ask yourself why. We believe in earning your business through superior service, not fine print.

Say No to Expensive Equipment:

Stop wasting money on overpriced credit card machines. We provide our merchants with free equipment and POS systems, giving you access to the best technology without the extra cost.

Support You Can Count On:

No one has time to sit on hold. That's why we offer local, dedicated customer support that’s available 24/7. You won't get a generic 1-800 number — you'll have direct access to a real person with a cell phone number ready to help.

Join us and experience merchant services designed for your business success, built on trust, transparency, and unparalleled support.

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Check Our Skills

We have best financial skilled team.

  • Business Consulting 85%
  • Financial Advising68%
  • Brand Consulting 85%
  • Strategic Consulting95%

About work

Valuable Resources for Customers

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Choosing the Right Payment Processor: What to Consider

When selecting or switching your payment processing partner, make sure to assess these crucial elements to find the best fit for your business:

  • Flexible Terminal Solutions
    Are you stuck with long-term rental agreements? Look for options that allow you to purchase or lease-to-own equipment for greater flexibility.

    Technology Built for Tomorrow
    Ensure your terminals are ready for chip payments and technological advancements so you're not forced into costly upgrades later.

    Competitive Pricing, No Red Tape
    Find a provider that offers fair rates upfront without hidden hoops to jump through for a better deal.

    Quick and Simple Cash Flow Access
    Does your processor offer financing options that support growth without rigid payment schedules or excessive interest charges?

    Effortless System Integration
    Can the payment solution integrate seamlessly with your current setup, making it easy to import and manage customer data?

    Real-Time Business Insights
    Choose a processor that lets you track performance on-the-go and easily export reports in multiple formats.

    Secure Payment Processing
    Prioritize solutions with top-tier fraud detection and PCI compliance to safeguard your transactions and build customer trust.

    Advanced Gateway Tools
    Simplify recurring payments and streamline customer billing with flexible user access options.

    Dedicated Customer Support
    Is there an accessible support team available 24/7 to assist with challenges like chargebacks or system concerns?

    Stable, Transparent Rates
    Look for a guarantee of no unexpected price hikes to ensure consistent and predictable processing costs.

Partnering with the right payment processor sets the stage for smoother operations and better growth opportunities. We’re here to make that decision easier.

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Chargeback Management

Smarter Payments with PaySmart Mobile Solutions. Accept credit card payments anytime, anywhere with PaySmart’s mobile payment options.

  • What is a Chargeback?

    A chargeback occurs when a customer disputes a charge with their credit card Issuing Bank, typically due to dissatisfaction, unauthorized transactions, or fraud.

    How to Prevent and Reduce Chargebacks:

    1. Clear DBA Name: Use a recognizable business name to avoid confusion on statements.

    2. Contact Info on Statements: Add a phone number so customers can reach you directly.

    3. Respond Quickly: Always address chargebacks within the 10-business-day window.

    4. Avoid Expired Cards: Do not process transactions with expired cards.

    5. Full Authorization: Get approval for the full sale amount and avoid declined transactions.

    6. Customer Satisfaction: Ensure customers are happy with their purchase to avoid disputes.

    7. Verify Information: Confirm customer details (name, address, phone) with the Issuing Bank.

    8. Proof of Delivery: Always collect signed proof of delivery for shipped goods.

    9. High-Ticket Sales Caution: Be cautious of large or expedited orders, especially with unusual shipping requests.

    10. Use Fraud Prevention Tools: Utilize AVS and CVV2 tools to protect against fraud.

    11. Return/Refund Policy: Display and have customers acknowledge your return/refund policy.

    12. International Orders: Be extra cautious with orders from high-risk regions.

    13. Address Discrepancies: Watch for domestic billing addresses with foreign shipping addresses.

Following these steps can help minimize chargebacks and keep your business running smoothly.

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PCI Compliance

Start taking smarter payments with PaySmart mobile payments. Accept Credit Cards Payments Anywhere, Anytime.

  • What is PCI Compliance?

    The Payment Card Industry (PCI), which includes Visa, MasterCard, American Express and other leading card brands, requires service providers, banks and high-volume merchants to follow strict security guidelines, including:

    1. Building and maintaining a secure network.

    2. Protecting cardholder data.

    3. Maintaining a vulnerability management program.

    4. Implementing strong access control measures.

    5. Regularly monitoring and testing networks.

    6. Maintaining an information security policy.

    Who does PCI Compliance apply to?

    PCI DSS requirements apply to all organizations or merchants who accept, transmit or store any cardholder data.

    What exactly is 'cardholder data'?

    Cardholder data is any and all information which can personally identify or be associated with the cardholder. Information such as name, address, account number etc. All personally identifiable information associated with the cardholder that is stored, processed, or transmitted is also considered cardholder data.

    What if I only accept credit cards over the phone, does PCI still apply to me?

    As mentioned above, any business which stores, processes or transmits card holder data must be PCI compliant.

    Where can I find the PCI Data Security Standards (PCI DSS)?

    You can easily complete your PCI Requirements by going to PCIApply.com/PaymentProcessing

How to reach us

Let’s Get in Touch

Our Address

123 Stree New York City , United States Of America.

Our Phone

Office : +1 781 267 1258

Our Email

Main Email : rudra@paysmarttech.com

Our Support

Main Support : support@paysmarttech.com


Rudradeep - Co-Founder

Rudradeep embodies dedication and drive, often working late into the night and early in the morning. Born into a family of serial entrepreneurs, he witnessed firsthand the challenges of running a business, especially in understanding merchant processing. This inspired him to co-found Paysmart Technologies, championing the principle of ‘Merchant Services Made Simple’’ with a commitment to transparency, no early termination fees, and no rate increases.

With an M.S. in Engineering Management from Northeastern University, Rudradeep combines technical expertise with strategic insight. Under his leadership, Paysmart Technologies uses AI to optimize processing fees, offering merchants the best rates and clear statement understanding. The company has grown significantly, now serving California, Alabama, Massachusetts, New York, Maryland, and Canada.

In his free time, Rudradeep enjoys soccer, cricket, outdoor sports, and reading books.

Kewal - Co-Founder

Kewal is a seasoned data scientist with over 5 years of experience specializing in supply chain optimization for retail and e-commerce businesses. With a Master's degree in Operations Research, he has excelled in uncovering hidden opportunities within supply chain processes through in-depth data analysis, developing advanced quantitative models, and crafting stochastic simulations for current and future state operations.

At PaySmart Technologies, Kewal leverages his expertise to empower small businesses by optimizing their operations and helping business owners select the perfect POS solutions to drive efficiency and growth. His commitment to understanding unique business needs makes him a trusted partner for businesses seeking innovative, data-driven solutions.