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Payment Processing


How much are you really paying for credit card processing? It's a confusing process for many, with ever-changing rates, hidden fees and inferior customer service. To solve this ongoing issue, SAGE has teamed up with Merchant Focus and Authorize.Net to create a payment processing solution that is simple and easy to understand.

SAGE Payment Processing™ provides you with a complete, turn-key payment processing solution at ultra-competitive rates. Quickly process credit and debit cards using our advanced, web-based virtual terminal application from the convenience of any computer with web access. Plus, if you have WebExpress Pro, SAGE Payment Processing automatically integrates with your website to process payments in real time.

Best of all, payment processing doesn't have to cost you a fortune! With our low rates and minimal fees, anyone can accept credit and debit cards.

SAGE Payment Processing is offered through our relationships with Merchant Focus and Authorize.net. Even on busy days, their advanced networks will process your transactions quickly and efficiently. Unlike many payment processing services, SAGE Payment Processing has no funding delay. This means that funds from qualifying payment transactions are generally transferred to your business checking account two business days after settlement (check with your bank to make sure it doesn't impose its own delay).



  • Ultra-competitive rates
  • Web-based virtual terminal
  • XML API available
  • Excellent customer service
  • Quick application process
  • No funding delays
  • No long-term commitment
  • No hardware needed
  • Process credit and debit cards from anywhere with web access
  • Easy to understand monthly statements



In addition to the Visa and MasterCard Interchange fees, Visa and MasterCard charge an assessment fee that is paid directly to the associations that own the Visa/MasterCard brands. These are required fees that we cannot control. All US Credit Card processors are required to bill these fees to their merchants. For details, click here.

Established Merchant Focus is a registered ISO/MSP of HSBC Bank USA National Association, Buffalo, NY.

Get Started

  1. Become a SAGE customer
    If you are a current SAGE customer, please proceed to Step 2. If you are not a current SAGE customer, please CLICK HERE and complete the SAGE Payment Processing application. If you have any questions regarding this application please call 800-925-7243. You must complete an application to sign up for SAGE Payment Processing (regardless of which card types you want to accept).

  2. Apply for your merchant account

    New or <250K Annually

    If you are not currently taking credit cards and would like to start or if you are processing less than $250,000 per year in Visa / MasterCard transactions, CLICK HERE to complete the Merchant Focus application.

    If you have any questions regarding the application process, please call Merchant Focus at 800-895-4085.

    Processing 250K+ Annually

    If you are currently processing at least $250,000 per year in Visa / MasterCard transactions you qualify for Interchange-Plus pricing with no monthly fees of any kind.

    Please CLICK HERE to complete our STATEMENT ANALYSIS FORM for a custom pricing proposal.

    If you have any questions regarding receiving a custom pricing proposal, please call Merchant Focus at 800-895-4085.

  3. Underwriting
    Most merchant account applications are processed within a few business days, although some may take longer depending on the information that you have entered. If any additional information is needed, Merchant Focus will contact you directly.

  4. Receive your Welcome Email
    Once your account is approved and setup in our system, you will receive a welcome email from us. When you receive this email from us, you're ready to start using your new merchant account! It will contain all of the information you need to get started, including information on accessing the SAGE Virtual Terminal. The SAGE Virtual Terminal is a web-based application that allows you to quickly and easily process transactions and view reports. Information will also be included regarding integrating your applications with the payment gateway using our XML API.