Products & Solutions

Merchant Services

Our payment products are supported by the most reliable network in the industry and include credit and debit card processing, electronic check services, gift/loyalty/promotional cards, electronic benefits transfer (EBT), corporate purchasing cards and fleet cards, as well as Dynamic Currency Conversion, multi-currency support, and cross-border acquiring. 


Business-to-Business (B2B) payment card processing is very different than processing for consumer cards and the savings opportunities are significant. 21st Payments specializes in B2B Level-3 processing and routinely assists its clients in substantially reducing card fees through better interchange qualification. The key to qualifying for the best rates for B2B and Business-to-Government (B2G) card payments requires including line item detail or “Level-3” information. Level-3 information provides descriptive detail about the items sold such as Item Part Number, Item Description, Quantity, Unit of Measure, Price and more.

ACH Payments

21st Payments offers an easy to use, web-based interface for entering checks, as well as a comprehensive array of processing and reporting options to meet the needs of both small and large service based businesses. The merchant has complete control of the timing and frequency of payment by the customer. 

Dynamic Currency Conversion

Typically, foreign credit card payments are made in U.S. dollars and converted later to the buyer’s home currency with the cardholder paying a conversion fee to the card issuer. With Dynamic Currency Conversion (DCC) your international customers will know exactly what their total purchase is in their home currency as each receipt shows the purchase in U.S. dollars, the conversion rate, plus the cardholder’s home currency amount. This makes it easier for travelers to reconcile purchases when paying card balances.

Security & Fraud Prevention

Reducing fraud and limiting risk will keep your business strong and help strengthen your customer relationships. The best time to manage risk is before real trouble starts.

At 21st Payments we have industry-leading expertise in long term risk management strategies as well as highly customizable solutions to manage credit risk and help detect, prevent and reduce fraud to allow you to protect your business, protect your customers and develop new and profitable customer relationships.

21st Payments Products


NFC, Apple Pay, mobile wallets, pay-at-the-table, regulation, compliance and risk. The speed of change is faster than ever. Is your business prepared for the future of payments?

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