Save time, make money, and grow your business by taking payments natively in QuickBooks® with our custom-designed applications. Because, as a business owner, your time is worth a lot.

Data Sync

All Pensmore products are designed to auto-sync with or take payments from directly within QuickBooks®, helping to eliminate double-data-entry errors, reduce accounting time, and streamline reconciliations. Products are Data Core Integrated for a fully connected payment experience that supports all native QB POS functions-- not plug-ins.

Pensmore’s applications are designed specifically around Merchant feedback and processes, following the native workflow of your POS and making it easy for your staff to learn how to use it.

Whether you take payments from a terminal, smartphone, desktop computer, or tablet, Pensmore has a product built with you in mind.

Next Day Funding

Get your money faster with Next Day Funding. Process payments today, close your batch by 7 PM ET, and receive your funds the next business day.

Pensmore’s Overall Effective Rate Guarantee means you will never pay more if you process with us, and you’ll never pay for any hardware, software or gift card transactions.

Just want the software? Ask us about software licenses.

Automated Accounting

Pensmore products support recurring billing, email invoicing, and electronic payments that make it easy to get paid every month for your regular invoices.

High Risk Welcome

We welcome merchants that may fall into a business category classified as high risk by other processors. This includes, but is not limited to, firearms, vapor, tobacco, adult novelty stores and travel agencies. We provide competitive processing opportunites for a variety of business that fall into these categories.

Secure Systems

All Pensmore products support the highest level of security available for payment processing today to protect you from security breaches, fines and lawsuits that could damage your business. Learn more about Point-to-Point Encryption, PCI & PA-DSS compliance and how to make sure you’re protecting yourself from a security breach.

Pensmore’s robust Outage Protection® and Stand-In® programs keep you open for business regardless of any outage: payment platform, power or Internet. Our 99.9% Uptime Guarantee makes it so that you don’t really have to worry about that, though.


Our domestic support team is available 24/7 and helps you solve your problem in less than 20 minutes with no more than one call transfer. Since Pensmore supports every facet of your payment processing experience (hardware, software, accounting system, and merchant services support), cross-department and cross-provider “blame game” is no longer an issue and we can resolve any support problem in one call with one person. Our 99.9% guaranteed up-time means you won’t worry much about that.

Want to switch but stuck in a contract? We offer Switch Support to help you get out of your contract today.

Effective Rate Guarantee

It is important that you pay a fair price for your merchant services. That is why we offer you our Overall Effective Rate Guarantee. To understand this better let’s assume that your process on average $10,000 per month and pay an average of $343 in credit card rates and fees every month. Your overall effective rate would be 3.43%. When we evaluate your account we will show you what your current effective rate is and show you how we can save you money.