Merchant services from Harborlight Trust help you accept cards, mobile wallets and online payments with fast settlement, competitive rates and tools that keep your business moving.
1.5%
Card rate
24h
To go live
Next day
Settlement
100+
Currencies
Choose a payment solution
Standard Merchant
Simple card acceptance for retail businesses.
1.5%
Card-present rate
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Most Popular
E-Commerce
Online payments built for your store.
1.9%
Online rate
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Custom Solutions
Tailored pricing and hardware for large volumes.
Custom
Volume pricing
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Fast Settlement
Get your money the next business day.
Take Payments Anywhere
Mobile card readers for on the go.
Fraud Protection
Advanced screening on every transaction.
Smart Reporting
Track sales and fees in real time.
Rates & fees
Detail Value
Card-present rate From 1.5% Online rate From 1.9% Settlement Next business day Setup fee $0 Monthly statement fee $0
How to open in four steps
1
Apply online
Get approved in as little as 24 hours.
2
Choose your tools
Select terminals, gateway or both.
3
Start accepting
Go live in store and online.
4
Watch sales grow
Access insights and reporting.
Frequently asked questions
How fast is settlement?
Funds settle to your account the next business day.
What rates do you charge?
Rates start at 1.5% for card-present and 1.9% for online transactions.
Can I accept payments on my phone?
Yes. A mobile card reader turns your phone into a payment terminal.
Start accepting payments
Get set up in 24 hours and take your first payment.
