Transparent merchant services for growing businesses
Cosairus Payment Services helps businesses accept in-store, online, mobile, recurring, and invoice payments — plus developer APIs, custom integrations, and hands-on implementation support.
Most merchants are overpaying and don't know it
If you've never had someone explain your statement line by line, you're probably losing money every month.
Hidden fees
PCI non-compliance fees, monthly minimums, batch fees, and statement fees buried in the fine print.
Poor support
Long hold times, offshore call centers, and reps who don't understand your account or your business.
Disconnected systems
Your POS doesn't talk to your accounting software. Your online store uses a different processor. Reconciliation is a nightmare.
Reporting gaps
Basic transaction lists with no insight into trends, peak hours, or which products drive the most revenue.
Chargeback headaches
No guidance on prevention, slow dispute resolution, and surprise deductions from your settlement.
Rate creep
Your rates went up and nobody told you. The processor you signed with isn't the processor you're paying today.
What we do differently
We don't just set you up and disappear. We audit your rates, install your equipment, train your staff, and answer the phone when you call.
Payment Processing
In-store, online, mobile, and recurring payments. We handle the setup and keep your rates transparent.
Rate Analysis
Send us your statement. We'll find hidden fees, redundant charges, and markup you shouldn't be paying. Learn more.
Security & Compliance
Encryption, tokenization, fraud controls, and PCI-focused workflows to help reduce payment-data risk. Learn more.
We handle payments so you can handle business.
We help US-based businesses accept payments in-store, online, and on mobile. We are headquartered in Atlanta and serve merchants nationwide with direct setup, training, and support.
We run on enterprise payment infrastructure and add our own support layer on top. When something breaks, you call us, not a 1-800 number.
- Customized solutions: Payment setups that match how you actually work, not how a sales deck says you should work.
- Security: Encryption and fraud controls to help keep transactions safe. We also provide PCI-focused workflows and guidance for required validation.
- Support: When you call, you talk to someone who knows your account, not a random operator reading a script.
Services
We offer payment processing, POS systems, software integration, and reporting.
Digital Payments
Accept credit cards, debit cards, and mobile payments through secure digital channels.
Point of Sale Systems
POS terminals and software for retail, restaurants, and service businesses. Handles transactions, inventory tracking, and basic customer management.
Developer APIs & Integration
REST APIs, hosted checkout pages, tokenization, and webhooks for custom software, mobile apps, and eCommerce. Implementation consulting included.
Detailed Reporting
View transaction history, track revenue, and spot trends. Our reporting tools give you a clear picture of your sales without the noise.
Recurring Billing Solutions
Automated recurring billing for subscriptions and membership models. Customers get flexible billing options; you get predictable cash flow.
Customer Support and Training
Our support team is available when you need help. We also train your staff so you're not dependent on us for every question.
Industries we serve
Every business processes payments differently. We tailor setups by industry so you get the right tools, not a one-size-fits-all package.
Retail
Countertop terminals, inventory-linked POS, and fast checkout for high-volume stores.
Restaurants
Tableside payments, tip management, split checks, and kitchen display integration.
Professional Services
Invoicing, recurring billing, and card-not-present tools for consultants and agencies.
Healthcare
HIPAA-aware workflows, HSA/FSA acceptance, and patient-friendly payment plans.
eCommerce
Payment gateways, subscription billing, and fraud filters for online stores.
Hospitality
Mobile card readers, reservation-linked payments, and multi-location reporting.
Connect your systems.
Your POS, accounting software, online store, and payment data should talk to each other. We build the connections that eliminate double entry, speed up reconciliation, and keep your books accurate.
- POS and accounting: Connect your checkout to QuickBooks, Xero, or your existing accounting system so sales flow straight into your books.
- eCommerce and CRM: Link your online store and customer tools so order data, payments, and customer records stay in sync.
- Custom software: If you have proprietary systems, our integration team works with your developers to build a secure, reliable connection — and we stay on call after go-live.
Security built in, not bolted on
We don't sell security as an add-on. Encryption, tokenization, and fraud controls are part of every setup we deliver.
Encryption & Tokenization
Card data is encrypted in transit and replaced with non-sensitive tokens, reducing exposure of raw payment information.
PCI-Focused Workflows
We guide you through PCI DSS validation requirements and help you understand what you're responsible for in your environment.
Fraud Monitoring
Configurable filters and monitoring tools designed to flag suspicious activity before it impacts your bottom line.
Pricing
We price based on your transaction mix, volume, average ticket, card-present vs. card-not-present ratio, business type, and hardware needs. No hidden fees. Contact us for a quote tailored to your actual numbers.
Stop wondering if you're overpaying
Send us your latest processing statement. We'll show you exactly where your money is going — interchange, assessments, markup, and every fee in between. No pressure to switch.
Frequently Asked Questions
What is Cosairus Payment Services, and how can it benefit my business?
We're a merchant-services company based in Atlanta. We help businesses accept credit and debit cards, set up POS systems, and integrate payments into their existing workflow. We work with Elavon for processing infrastructure and provide hands-on support when things break or when you have questions.
What types of payment solutions does Cosairus Payment Services provide?
Credit and debit card processing, POS systems, mobile payments, eCommerce gateways, recurring billing, and custom software integrations. Basically, if you need to accept money, we can probably help.
How secure are Cosairus Payment Services' solutions?
We use encryption and tokenization to protect card data in transit. We follow PCI DSS requirements and provide guidance to help you meet validation standards for your specific setup. We also monitor for suspicious transactions and provide tools to help you spot fraud.
Can Cosairus Payment Services integrate with my existing POS and accounting systems?
Yes. We integrate with most major POS and accounting platforms. Our team handles the setup and migration so you don't have to figure it out alone.
What support services does Cosairus Payment Services offer to its clients?
Phone and email support during business hours, with after-hours emergency support for critical issues. We also train your staff during onboarding and provide documentation you can reference later.
How can I get started with Cosairus Payment Services?
You can sign up with the "Client Login" button up top and begin filling in your merchant information. Alternatively, use the contact form or call us. We'll walk you through the setup, review your statement if you have one, and recommend the right processing setup for your business.
Contact
Have questions? Call or email us. We actually answer.