Stop Overpaying for Credit Card Processing.
Welcome to Covenant Pay.
Covenant Pay helps Texas businesses eliminate unnecessary processing fees, simplify payments, and get a real local partner in Frisco—not another 1-800 number. This Is Where Hope Meets Profit.
Works with the hardware you already trust
Let’s Find Out What You’re Actually Paying.
Every business is different. Your rates depend on your card mix, volume, average ticket, industry, pricing structure, and other factors.
Monthly Fees You Won't Pay With Us
- PCI Compliance Fees($19–$99/mo)
- Statement Fees($10–$25/mo)
- Batch Fees
- AVS Fees
- Gateway Fees
- Annual Fees
- “Non-Compliance” Penalties
- Junk Add-Ons Banks Sneak In
With Us
- Transparent pricing
- No junk fees
- No surprises
- You keep more of every transaction
Get a precise quote in 1 business day.
See how much you’re losing
Adjust the sliders to match your current processing.
No pressure. No guesswork. Just a straightforward look at your current processing costs.
What if you didn't have to pay processing fees?
Most business owners accept processing fees as a cost of doing business. But what if you could structure your payments differently? Covenant Pay helps qualifying businesses implement a payment solution designed to eliminate unnecessary processing costs while keeping the payment experience simple for your customers. One simple service charge. More of your revenue stays with you.
Virtual Terminal
Accept payments from any device, anywhere in the world.
Invoicing
Send professional invoices and get paid faster.
Recurring Payments
Automate subscription billing with ease.
A complete payments platform, built for scale
Scale without limits
Process millions of transactions per month with enterprise-grade infrastructure built for growth.
Security first
Bank-level encryption, PCI DSS Level 1 compliance, and fraud detection that works 24/7.
Lightning fast
Near-instant settlement, real-time reporting, and global payment acceptance in one platform.
POS Integration Solutions
Seamlessly connect with leading point-of-sale systems. Accept payments in-store, on the go, or online with unified reporting.
Industry-Specific Processing
Tailored solutions for retail, restaurants, healthcare, and high-risk industries with custom risk profiles.
Terminal & Hardware Support
Comprehensive hardware support across all major terminal brands.
Chargeback Management
Proactive chargeback prevention and dispute resolution. Keep your dispute rate low with AI-powered fraud detection.
Unified Dashboard
One dashboard to view all transactions, reports, and analytics in real-time.
Developer First
Comprehensive APIs with full documentation and SDKs.
Built for businesses in our community
Covenant Pay provides payment solutions for the businesses that make Frisco and North Texas thrive. Not seeing your business? That’s okay. We work with businesses of all kinds.
Local Retail & Shops
Make every transaction count.
Whether you run a boutique, specialty shop, or growing storefront, Covenant Pay helps you accept payments smoothly while giving you greater visibility into your processing costs. Built for local businesses.
- In-store payment solutions
- Online & mobile payments
- Sales & transaction reporting
- Solutions tailored to your business
Restaurants & Local Dining
Keep your business moving.
Keep your business moving. From neighborhood restaurants to cafés and fast-casual spots, Covenant Pay provides payment solutions designed around the pace and needs of your business. Local support when you need it.
- Fast, reliable payment acceptance
- POS solutions
- Tableside & mobile payments
- Tip & transaction management
Local Service Businesses
Get paid for the work you do.
From contractors and auto shops to salons, home services, and professional businesses, Covenant Pay helps you accept payments and build a payment setup around the way you work. A payment partner that knows your business.
- In-Person & Remote Payments
- Recurring Payment Options
- Payment Links & Invoicing
- Clear Transactions Reporting
The Right Equipment. Not More Equipment.
Whether you need a countertop terminal, mobile device, or full POS solution, we’ll help you choose equipment that fits your business—not force you into something you don’t need.
Countertop POS
All-in-one countertop solution
Complete point-of-sale system with integrated payment processing, inventory, and reporting.
- Large HD touchscreen display
- Built-in receipt printer
- App marketplace with 300+ apps
- Employee management & shifts
Tablet POS
Flexible mobile point of sale
Turn any tablet into a powerful POS system that moves with your business.
- Portable & lightweight design
- Intuitive touch interface
- Integrated payment processing
- Real-time inventory sync
Handheld Terminal
Compact wireless payment terminal
Take payments anywhere with our all-in-one handheld terminal.
- Wireless 4G + WiFi connectivity
- Long-lasting battery life
- Tap, dip, & swipe payments
- Compact pocket-sized design
Your Business. One Trusted Partner.
Covenant Pay is your direct point of contact for payment processing and support.
We work with established payment technology and processing partners behind the scenes to provide reliable payment solutions, competitive pricing, and the technology your business needs. You work with Covenant Pay. We handle the relationship. Whether you need help understanding your processing statement, setting up a new payment solution, or resolving an issue, you have a dedicated team you can reach—not a revolving door of sales representatives. One relationship. One point of contact. Better support.
Discover our deception-free pricing
No games, just transparency.
No setup fees. No hidden monthly charges. Transparent pricing based on your processing volume.
No account monthly fees
No minimums, software fees, or statement fees.
No cancellation fee
No contracts, termination fees or cancellation fees
Get paid faster for free
Next-business day deposits on credit card and debit transactions
More Than Processing. A True Partnership. — Talk to Us.
You work hard for your revenue. You shouldn’t have to wonder how much of it is going toward payment processing. Send us your most recent processing statement and we’ll take a look at the numbers, explain what you’re paying, and show you whether there’s an opportunity to improve. No pressure. No obligation. Just an honest conversation about your processing.
No credit card required.
Frequently asked questions
Everything you need to know about our platform.
We're here to Serve you.
Our team is ready to help you find the right payment solution