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Custom Developed Solutions
Off-the-shelf isn't enough for every business. Dedicated project managers build tailored payment flows through the Titanium Flex API.
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Accept every major card brand — at "processor-direct" wholesale pricing
Titanium Payments isn't another bank or processor — it's a cooperative buying network that delivers "processor-direct" wholesale pricing in the electronic payment industry. Through Diskreet Logic you get the buying power of a national network with a single, accountable advisor who knows your business by name.
“Complete solutions for your payment processing needs — the low operating costs of the largest companies, paired with personalized, 24/7 support.”
No contract that traps you with one bank, processor or POS provider. We customize the payment process around how you actually run.
As a cooperative buying network we pass through wholesale "processor-direct" pricing — the economics of the biggest merchants, for businesses of any size, backed by a commitment never to raise your rates.
24/7 US-based live support answering in about 30 seconds, 100+ offices nationwide and the top three processors in the country represented — with one advisor accountable to you.
From the storefront to the checkout page to the back office — a complete toolkit of payment solutions for any industry, all under one accountable advisor.
Off-the-shelf isn't enough for every business. Dedicated project managers build tailored payment flows through the Titanium Flex API.
Safe, secure and streamlined business-to-business payments through the Flex Platform, with AR/AP and ERP workflows handled end to end.
In-store and mobile point-of-sale on proprietary and nation-leading hardware — fast, reliable countertop and handheld terminals.
Easy to use, affordable and secure mobile payments — accept cards on the go, in the field or at the table from a phone or tablet.
Built for large internet retailers, with direct provider partnerships to Paytrace, Authorize.net and eProcessing Network.
Integrations with the major POS solutions for restaurants, bars and hotels — tabs, tips, table service and bookings handled.
A petroleum processing program compatible with most controllers and fleet-card options — for fuel, convenience and c-store operators.
Dedicated PCI administrators keep your business compliant and your cardholder data protected — guided, not guesswork.
Turn accounts receivable into efficient cash collection with ACH, ARC and automated recurring billing that runs itself.
Enrolling in a pass-the-fee program can reduce your processing fees by up to 100% — transferring the burden of card fees to the customers who choose to pay by card, while a reduced price stays in place for cash. Three ways to do it, sized to your industry and your customers.
Display two prices — a lower rate for cash and a higher rate for cards — so the processing fee travels with the customer who chose the card.
Reward customers who pay in cash with a discount, cutting the cost of cash handling while offsetting what card processing takes out.
Add a compliant fee to credit card transactions only, passing the processing cost directly to the cardholder — debit and cash untouched.
Raul's Mexican Restaurant, a busy local eatery, was squeezed by rising credit card processing fees — and running a POS that simply couldn't recoup them.
The Platinum POS Program replaced their point-of-sale system at no cost and redesigned the menus around dual pricing. Raul's now recovers its card processing fees entirely — instantly adding 3% of profit on every card transaction, with guests responding well to the option of saving by paying cash.
Switching to the dual pricing system has not only saved us thousands in card fees, but our customers also appreciate the savings when paying in cash!— Raul, Restaurant Owner
Titanium Flex is the platform and API at the center of everything we do. When the standard product won't cut it, our project managers design the exact payment experience your business needs — improving payments and driving real cost savings.
Whether off-the-shelf or fully tailored, the platform integrates with the legacy software you already run — so payments fit your operations and your customers, not the other way around.
Automating payment integration into ERP systems can cut reconciliation time by up to 80%, freeing your team from manual data entry.
Adding credit card processing can cut payment times by half, improving cash flow and financial stability across the business.
Integrated payments update financial data in real time, sharpening decision-making and reducing errors across your operations.
Sources: FieldServio · Clear Function · Stripe · PYMNTS
The Titanium Boost Business Mastercard gives you early access to your sales so you can power your business and build business credit — with no fees, no interest and no credit check required. Issued by Patriot Bank, N.A.
A simple, transparent path. You stay the decision-maker; we handle the analysis, the wholesale pricing and the setup through our cooperative buying network.
Send us a recent statement. We benchmark your effective rate against processor-direct pricing — no obligation.
We recommend the right mix of Flex, POS, eCommerce and funding — sized to how your business actually takes payments.
Project managers handle setup, integration and PCI — and get you live with minimal disruption to the floor.
24/7 live support and a dedicated advisor keep payments flowing — with help that's a real person, any hour.
Titanium Payments was founded in 2000 by Andy Pitts — out of his living room — to counter the unfair practices of the payments companies of the day. It has since grown into the largest privately founded, owned and independently managed acquirer in the country, operating at the intersection of genuinely good customer service and the economies of scale of a top-30 provider.
*Nilson Report, 2023 — out of 2,000+ US merchant acquirers.
Trusted by 20,000+ businesses nationwide
Everything you need to be successful — credit and debit card guidelines, card-brand acceptance rules, PCI compliance and a free downloadable e-book on transparent pricing. Best practices that drive revenue growth and increase profits.
Set up a free consultation and we'll benchmark your payments against processor-direct pricing — then design the right solution for your industry.