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Membership = Flat Rate Payment Processing

All AND membership plans include direct wholesale credit card processing rates with no added markup.

Let us run a rate review against your current provider to see how much we can save.




Businesses processing up to $10,000/month


per month


+ 15¢ per sale and wholesale cost
+ 10¢ per keyed sale​

Businesses processing up to $50,000/month


per month


+ 7¢ per sale and wholesale cost
+ 5¢ per keyed sale​

Businesses processing up to   $200,000/month


per month


+ 5¢ per sale and wholesale cost
+ 5¢ per keyed sale​

AND membership benefits

We make this easy. AND accounts give you access to the tools you need, and the lowest rates out there:

          Smart Terminal and Mobile processing options

          24-hour support, 365 days a year

          AND gateway with email invoicing

          Take in-person, keyed, or online payments

          Next-day funding availability with 11pm cutoff

A plan for everyone

Every AND membership plan gets the same special treatment.

AND gateway, built right in

Does your business ever need to invoice clients? Or maybe you just need an easy way to enter payments through a mobile device or virtual terminal. We've got you covered. Our Business and Premier plans include discounted access to the AND gateway, so you can access invoicing, recurring billing, B2B processing, and more. No extra transaction fees for these upper-level features, either!

Industry-leading smart terminals

Taking payments in-person is a great way to keep rates low and reduce disputes. AND offers numerous low-cost smart terminals with all of the latest features - EMV, contactless (NFC and Apple Pay), along with wireless connectivity. Plus, smart terminals have No PCI network scans!  Learn how a smart payment terminal can help reduce back-office expenses and keep your office running smoothly.

Customer Support you can count on

24 hour support, 365 days a year. That's what you can count on with AND processing. Our membership plans include access to a dedicated account manager, so you're always able to reach us directly. We operate on a first-name basis here, and all of our agents are non-commissioned. Call, email, or instantly chat with us on the AND website. We're serious about doing business the right way. 

Clover Point of Sale

Deliver top-notch experiences at checkout like never before

We're serious about saving money.

AND is dedicated to getting your processing rates as close to zero as possible. We utilize membership pricing along with cash discounting and surcharging programs to maximize savings. Let our analysts review your statements and see how much money we can put back in your pockets. 

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