Accept Payments.
Keep More of Every Sale.
Spartan Pay: card processing from 2.69% — or $0 with Dual Pricing.
Free smart POS terminal, next-day deposits, and live 24/7 support. The Square alternative with no hidden fees — built for restaurants, retail, and online stores.
No Hidden Fees —
See How We Stack Up
Square / Stripe / Legacy Processors
- High fees (2.6% + $0.10 per transaction)
- Your funds held for 3–7 days
- Support tickets instead of real people
- POS hardware costs extra
Spartan Pay — Payment Processing Done Right
- From 2.69% — or $0 with Dual Pricing
- Next-day deposits, every business day
- Live 24/7 support in English & Spanish
- Free smart POS terminal included
Built for Restaurants, Retail & Online Stores
Transparent, Predictable Pricing
Processing from 2.69% per transaction — no hidden fees, no surprise statements, no junk charges. You'll know exactly what you pay from day one, so more of every sale stays in your pocket.
Next-Day Deposits
Get your money the next business day — not in 5 to 7 days like other processors. Your sales land in your bank account fast, so cash flow is never the bottleneck.
Free Smart POS Terminal & AI Fraud Protection
A smart POS terminal at no extra cost, with AI-powered fraud protection built in. Accept credit, debit, Apple Pay, and Google Pay right out of the box.
No-Code Payments for Your Online Store
Connect Shopify, WooCommerce, or your own app in minutes — no developer required. A payment gateway that just works.
More Than a Payment Processor
Every Spartan Pay account includes a full merchant console — get paid, send invoices, and grow repeat business, all from one dashboard.
Payment Links & QR Codes
Create reusable payment links in seconds and share them anywhere — by text, on social media, or as a QR code at your counter.
Professional Email Invoicing
Send polished invoices that deliver automatically by email, with built-in reminders before and after the due date.
Recurring Payments & Subscriptions
Set up weekly, monthly, or annual billing plans. Charge customers automatically and watch your recurring revenue grow month over month.
Virtual Terminal
Key in any card right from your dashboard — perfect for phone and mail orders.
Customer Management
A built-in customer directory with payment history, invoices, and subscriptions — see each customer's lifetime value at a glance.
Real-Time Reports & Analytics
Track sales, average ticket, and approval rate in real time. Export PDF or CSV reports whenever you need them.
Team Accounts & Cashier App
Add employees as admins or cashiers. Your team can take payments from any phone with our web app.
Developer API & Webhooks
Build payments into your own software with our REST API and webhooks. Test and live keys included.
Mobile App: Take Payments Right from Your Phone
Turn your iPhone into a payment terminal — accept contactless payments with Tap to Pay, no extra hardware needed.
Spartan PayTOTAL DUE
$48.75
Hold card or phone near the top
Visa •••• 4242
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Real Businesses Growing
with Spartan Pay
“Since switching from Square, my margins are up 15%. Next-day deposits and support that actually picks up the phone made all the difference.”
Carlos R.
E-commerce Owner — Charlotte, NC
“On the Edge plan I pay $0 in processing. The terminal is great and my money hits the bank the next day. Hands down the best Square alternative for restaurants.”
Ana L.
Restaurant Manager — Raleigh, NC
Start Accepting Card Payments
in 5 Minutes
Create Your Free Account
Sign up in under five minutes with your basic business info. No contracts, no setup fees — you're ready to go right away.
Connect Your Business
Get your free POS terminal, or plug our payment gateway into Shopify or WooCommerce. No code required.
Get Paid Fast
Accept credit, debit, Apple Pay, and Google Pay — with next-day deposits straight to your bank account.
Payment Processing Plans with No Hidden Fees
Spartan Traditional
Ideal for e-commerce, service businesses, and high-ticket sales.
per in-person transaction
$14.95/mo
- 2.69% on in-person transactions (dip/tap/swipe)
- 3.49% + $0.19 on online and invoice transactions
- Smart POS terminal included
- Virtual terminal included
- Next-day deposits
- PCI compliance included
Spartan Edge
Zero processing fees: your customers cover the card cost with Dual Pricing. You just pay the flat monthly fee.
in processing fees for your business
$29/mo
- You pay 0% in processing fees
- Dual Pricing: the customer covers their card cost
- Free POS equipment (Payanywhere Smart Terminal)
- Dual pricing signage included
- Next-day deposits
- PCI compliance included
- Apple Pay / Google Pay included
Frequently Asked Questions About
Payment Processing
Spartan Pay offers two plans: Spartan Traditional at 2.69% per in-person transaction ($14.95/mo), and Spartan Edge at $0 in processing fees using Dual Pricing ($29/mo). Both plans include a smart POS terminal and next-day deposits — with no hidden fees.
Yes. Spartan Pay offers more competitive pricing than Square (2.69% vs. 2.6% + $0.10), a POS terminal included at no extra cost, next-day deposits instead of 1–2 business days, and live support in English and Spanish. With the Edge plan you can process payments at $0 using Dual Pricing — something Square doesn't offer.
Dual Pricing is a model where you display two prices: one for cash and one for card. Customers who pay by card cover the processing cost, which lets you process payments at $0. Cash discounting is broadly permitted in the U.S. and card network rules allow it, as long as both prices are clearly disclosed up front. Posting rules vary by state.
With Spartan Pay, you receive your funds the next business day (next-day funding). Unlike processors that hold your money for 3–7 days, we deposit directly into your bank account — fast.
Yes. Spartan Pay works for restaurants (in-person POS terminal), online stores (Shopify and WooCommerce integrations), e-commerce, and any small business that needs to accept credit and debit card payments.
Yes. Spartan Pay provides merchant services in North Carolina and all 50 states, with payment processing available for businesses in Charlotte, Raleigh, Durham, Greensboro, and beyond.
No. Spartan Pay doesn't require long-term contracts and has no hidden fees. Our pricing is transparent from day one, and you can cancel anytime with no penalties.
