TRUSTED BY MERCHANTS ACROSS NORTHEAST FLORIDA
Secure, Scalable Payment Processing with Integrated Payments, Clover® POS & More
Integrated payments, Clover POS, and 24/7 local support — all in one merchant account. Transparent rates, no long-term contracts.
The Best Companies in Petroleum Retail — Together
Delta Payments has partnered with the industry's most trusted petroleum technology providers to deliver a complete, out-of-the-box system — POS, fuel systems, back office, loyalty, and payments — at the lowest total cost.
SEAMLESS TRANSACTIONS
Accept Every Payment, Everywhere
From in-store countertop terminals to mobile card readers and fully integrated online gateways, Delta Payments keeps your business moving. One account, one statement, one support team.
Get Started Today with Petroleum Payment ProcessingBUSINESS SOLUTIONS
Built for the Way You Do Business
Whether you run a single storefront or a multi-location enterprise, Delta Payments scales with you. Our solutions connect your payment stack, your software, and your team — so you spend less time managing payments and more time growing.
Get Started Today
Integrated payments, Clover POS, and 24/7 local support — all in one merchant account.
WHY DELTA PAYMENTS
Payments That Work as Hard as You Do
Integrated Payments
Connect your software stack directly — no double-entry, no manual reconciliation, no workarounds.
24/7 Local Support
Reach a real person in Jacksonville any time of day. Not a ticket queue. Not a chatbot.
Next-Day Funding
Sales processed today hit your bank account the next business day — every business day.
No Long-Term Contracts
Month-to-month terms for most merchants. We earn your business every month.
Save on processing with transparent pricing. Local support 24/7.
Get Started TodayPAYMENT PROCESSING SOLUTIONS
Every Way Your Customers Pay — Covered
From the counter to the cloud, Delta Payments gives you the tools to accept any payment, anywhere — backed by transparent pricing and 24/7 local support.
Petroleum & Convenience Store Payments
The complete c-store ecosystem — Pinnacle Affiniti Cloud POS, SwanSys fuel systems, SSCS back office, and Patron Points loyalty
Delta Payments powers the full petroleum retail stack. We integrate with Pinnacle Affiniti Cloud POS, SwanSys fuel management, SSCS back-office reporting, and Patron Points loyalty — all on one low-rate processing account with no long-term contracts. PCI-validated, Acumera/MNSP network security, and fleet card acceptance included.
In-Store Payment Processing
Accept chip, swipe, tap, and contactless payments at the counter with Clover POS systems purpose-built for retail, restaurant, and service businesses. Fast, reliable, and fully integrated with your back-office software.
Explore Clover POSIntegrated Payments
Connect your payment processing directly to your point-of-sale software, accounting platform, or ERP. Delta Payments eliminates manual reconciliation across retail, restaurant, and service verticals — one data stream, zero double-entry.
View All SolutionsCredit Card Processing
Cash discount, surcharge, and interchange-plus programs — eliminate or dramatically reduce processing fees
Delta Payments offers interchange-plus pricing with next-day funding — the most transparent rate structure available. Every fee is itemized on your statement. No bundled tiers, no surprise markups, no fine print.
PRICING MODELS
Three Ways to Eliminate — or Dramatically Reduce — Your Processing Costs
Delta Payments offers three transparent pricing structures. Choose the model that fits your business, your customers, and your margins.
Cash Discount Program
Eliminate up to 100% of processing fees
Offer customers a small discount for paying with cash. Card-paying customers cover the processing cost through a service fee — fully compliant with Visa, Mastercard, and state regulations. Most merchants using this program pay near-zero in processing fees.
- Eliminate virtually all credit card processing fees
- Compliant with card network rules in all 50 states
- Works with Clover POS and most terminals
- Clear, transparent disclosure at point of sale
- No change to your cash-paying customers' experience
Best for: Retail, restaurants, service businesses, and any merchant where cash is a common payment method.
Surcharge Program
Pass processing costs to card-paying customers
A compliant surcharge adds the exact cost of card acceptance to credit card transactions only — debit cards are never surcharged. Customers see the fee clearly at checkout. You keep 100% of the sale price with no processing deduction.
- Credit card surcharge only — debit cards excluded by law
- Exact-cost pass-through, never a profit center
- Fully compliant with Visa, Mastercard, and state law
- Automatic disclosure at terminal and receipt
- Works alongside cash discount or standalone
Best for: B2B merchants, professional services, and businesses where credit card volume is high and margins are tight.
Interchange-Plus Pricing
The most transparent rate structure available
Interchange-plus passes Visa and Mastercard's direct interchange cost to you plus a small, fixed markup. Every fee is itemized on your statement — no bundled tiers, no hidden markups. Most merchants switching from tiered pricing save measurably in the first month.
- Direct interchange cost + fixed markup — nothing hidden
- Every fee itemized on your monthly statement
- Next-day funding for qualified merchants
- No long-term contracts — month-to-month terms
- Ideal for high-volume or card-mix-heavy businesses
Best for: High-volume merchants, e-commerce businesses, and any merchant who wants full visibility into every processing cost.
Not sure which program is right for you?
Book a free 15-minute rate review. We'll analyze your current statement and recommend the model that saves you the most — no obligation, no pressure.
ABOUT DELTA PAYMENTS
40+ Years of Merchant Services Expertise
- Authorized Clover POS reseller and certified installer
- Fiserv and BuyPass processing partner
- Cash discount, surcharge, and interchange-plus programs available
- PCI DSS compliant infrastructure and merchant guidance
- 24/7 local support — real people, not a ticket queue
Delta Payments is a Jacksonville-based merchant services provider with deep roots in Northeast Florida. We combine the technology of national processors with the personal service of a local partner — so you get enterprise-grade tools without the enterprise runaround.
From single-location retailers to multi-site restaurant groups, we've helped thousands of merchants cut costs, streamline operations, and grow with confidence. Our team is local, our support is 24/7, and our pricing is always transparent.
40+
Years in Business
5,000+
Merchants Served
24/7
Local Support
Local expertise. National reach. Zero runaround.
FREE RATE REVIEW
Find Out How Much You Could Save
Most merchants who switch to Delta Payments save on processing costs in the first month. Book a free 15-minute rate review and we'll compare your current statement line by line — no obligation, no pressure.
15-Minute Call
A focused, no-fluff conversation with a real payments expert.
Free Rate Analysis
We'll compare your current processing costs line by line.
Same-Day Setup
Most merchants are up and running the same day they sign.
24/7 Support
Reach a live person any time — not a chatbot, not a ticket queue.
MERCHANT TESTIMONIALS
Merchants Who Made the Switch
Delta Payments cut our processing fees by nearly 20% in the first month. The switch was painless and their local team was with us every step of the way.
We've been with Delta for three years. Any time we have an issue — day or night — we get a real person on the phone. That's rare in this industry.
The Clover integration with our inventory system saved us hours every week. Setup was same-day and the rates are the most transparent we've ever seen.
FREQUENTLY ASKED QUESTIONS
Common Payment Processing Questions
Straight answers on pricing, setup, hardware, and support — no jargon, no runaround.
Still have questions? Talk to a real person — no scripts, no call centers.