Association Processing
Saving you 20% off your Current Discount and Fees
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Merchant Accounts, Processing, Customized POS Systems, & Cash Advances

API provides specialized "association-based" pricing for its complete suite of merchant services, cash advances, online merchant accounts, credit and debit card processing, customized proprietary POS software and hardware systems for Restaurants, Salons, Pet Salons, and other traditional and non-traditional retail establishments. Whether you need credit and debit card / electronic payment processing for retail, restaurant, lodging, e-commerce, mail order / phone order, or business to business, we can quickly tailor a merchant account for your needs. 

Our relationship with the world's largest payment processor, First Data Corp., allows us to offer superior reliability, service and system uptime and is why merchants large and small choose us for their credit card services. We deliver virtually 100% system uptime and 24/7 support — that sets our merchant services apart from the rest.

In our desire to be able to offer the highest level of customer service unmatched in the industry, API also offers its clients numerous other products and services.  Whether your business or organization has one location with one employee or hundreds of locations with thousands of employees, API has the flexible payroll solutions to fit your specific needs and budget regardless of the size or type of business you own or the payroll department you manage.  We make the entire payroll process accurate, affordable, easy, and flexible to meet your needs, not ours.  And, in order to meet the needs of its clients, API will ensure all of the time-consuming tasks related to payroll processing including full payroll tax processing, filings, payments and we handle the year-end W-2 and 1099 processing, printing and filing too are taken care of for you.  Save time and money in areas such as: Payroll Processing; Web Based Time and Labor Management; Payroll Software Applications; Human Resource Information Systems; Internet Payroll and Timekeeping; 125 POP, FSA and HRA Admin; 401(k); CompPlus Workers' Comp; HR Knowledge Base; and much more. 


Opening a merchant account is the first step to accepting credit cards. It's important to understand what a merchant account is and how opening one can help your business grow.

What is a merchant account?
A merchant account is a specialized bank account that your business uses to accept credit cards, debit cards, gift cards and other types of payment. Businesses typically open merchant accounts with independent organizations called payment processors.

What is a direct provider?
Unlike others in the field, our processors are direct providers, which do not buy services from someone else and resell them. In fact, our processing companies own many of the systems that process your transactions. That means you can rely on Chase Paymentech, First Data, Innovative Merchant Solutions, and more to process all types of payment — Visa, MasterCard, Discover, American Express, gift card, debit and EBT transactions — quickly and securely.

Can you accommodate my business needs?
Absolutely. We understands that payment acceptance needs vary according to your business size and industry. So we offer customizable solutions for any type of business — restaurants, retail, internet and more.  For those buisinesses wanting to use Intuit Quickbooks for processing we provide the Innovative Merchant Solutions processing.  We also offer innovative products such as a proprietary gift card solution, and a suite of online reporting options that can help you manage and protect your business. Our knowledgeable experts will consult with you to identify the optimal pathway — and payment mix — that fit your requirements.

Do you offer special pricing for small businesses affiliated with larger associations?
YES! API offers special pricing programs for small businesses who want to get the same pricing discounts as larger corporations by having worked out special pricing programs with associations affiliated with restaurants, bars, comic book stores, hotels/motels and petro/c-stores, as well as non-profits.  If you are a member of one, let us know.  If you are not sure if we have set up a special pricing program for your industry, ask us how your association can qualify. If you do, you will be pre-approved to save at least 20% off your current processing discounts and fees.

What about reliability?
All of our processors maintain well-deserved reputations for reliable processing. Our highly efficient systems ensure accurate, cost-effective and timely processing of every transaction. We have a fully redundant, fault-tolerant system that boasts virtually 100% uptime. We also provide full encryption of sensitive data — to protect you and your customers.

How can you maximize my profits?
We are committed to always providing rates and solutions that allow your business to take advantage of the best qualification rate from Visa and MasterCard. Our processors own the authorization networks, so we can be much more competitive than processors buying services from third parties.

Do you offer 24/7 service and support?
Yes. We are fortunate to have 24/7 service and support.  API prides itself on its relationship with all of its back-end processors and being able to build strong professional relationships with our customers and delivering quality service. Whether you're having an issue with your terminal or you have a question about your statement, API merchant services representatives are ready to help 24/7.

What gateway do you use for Internet and eCommerce solutions?
is API's exclusive Internet and eCommerce gateway.

Better payment processing starts here.
Get the payment processing solutions that can help you control costs, open new lines of revenue and uncover new business insights. It all starts with an API merchant services account.


You can accept all major credit/debit cards:

  • Visa
  • MasterCard
  • American Express
  • Discover
  • JCB
  • Diners Club
  • Bank ATM Debit cards

Start accepting Credit cards Today!

  • Fast Approval
  • Lowest Discount Rates & Fees
  • Daily Automatic Deposits
  • Quick Setup
  • Affordable Terminal Prices with Lease to Own Options
  • Experienced Management Team
  • Personalized Customer Support with No-Queues Policy

Start saving even more money by taking advantage of our Payroll Processing Services.  Save up to 33% off of ADP pricing.

Are you a retailer in need of a Cash Advance? Ask us about our Money for Merchants programs. Get up to 85% of the average of your previous 6 months of processing! A new merchant without processing statements, ask about our Fast Cash program!

Be among the first in the U.S. to profit from the growing online cash payment industry by selling and accepting non-traditional payment methods such as the Ukash Smart Voucher.

Compare and you will find our merchant account rates to be the lowest available anywhere.