Card payment integration for small business Card payments, built into your business, not bolted on.

One merchant account covers your website checkout, stored cards and repeat billing, countertop and handheld devices, and the software you already run. Vectena does the integration. Fiserv processes the cards through our merchant-services partner, Port City Payments. Your money goes straight to your bank account, and we never see or store card numbers.

Book a payments check-up How it works

Payments partnership · Fiserv with Port City Payments

Who does what

Vectena — the integrator. Builds the checkout, devices and connections into your site, booking, invoicing, POS or ERP, and runs the checks every day.
Port City Payments — the merchant-services provider. Opens your account, quotes your rates and devices in writing, and supports it.
Fiserv — the processor. The CardPointe gateway, Clover devices and the card-data protection behind every transaction.
You — the merchant. The account, the money and the data are yours.

Three offerings

Three ways to take payments

Custom integration

For any business with a website, bookings or invoices. Payments wired into the software you run, so an order, a booking or a bill is paid in one step and recorded where you keep your books.

Checkout on your own website, in your brand, with the card fields served by the processor
Pay-by-link for quotes and invoices
Stored cards and repeat billing with clear consent
Connected to booking, invoicing, your online store, POS or ERP
A card reader for the field, on the same account and reports
Daily reconciliation: deposits checked against orders, differences raised to you

Custom pricing — talk to us · monitoring inside Care, or $49/mo

Retail

For shops, showrooms and counters. Countertop and handheld devices with inventory, customers and gift cards on the device, and online sales in the same report as the register.

Clover Station, Mini and Flex, or a payment terminal beside your existing register
Tap, dip, swipe and digital wallets at the counter
Inventory, barcodes, customer records, gift cards and loyalty on the device
Online and in-store sales in one dashboard; buy online, pick up in store
Card-present acceptance added to your own retail software through an integrated terminal, so your software never touches card data
Serial numbers, warranties and returns connected to your back office

Devices and rates quoted by Port City · integration priced per project — talk to us

Hospitality

For restaurants, bars, cafés, tour and dive operators, and lodging. Pay where the guest is, take orders ahead, and keep tips, tabs and deposits straight.

Pay at the table or dockside on a handheld; tips and bill splitting built in
Online and QR ordering, kiosk and counter service
Deposits, trip bookings and gift cards on your website, paid in full or in part
Gift cards, loyalty and promotions tied to the same account
Connected to your reservation, property or booking system where that system supports it; we check first and never promise what it cannot do
End-of-day totals, tips and deposits reconciled against your books

Devices and rates quoted by Port City · integration priced per project — talk to us

Designed so card numbers go straight to your processor. Vectena never receives, holds or forwards your funds. Processing rates and device prices are quoted in writing by Port City Payments; Vectena does not quote rates or promise savings. Every other service is on the Services page; plans and project prices are on Plans.

Start here

Start with a payments check-up

Before anything is built, we look at what you pay today and what you need. You get a short written report and a merchant application prepared with Port City Payments.

A review of your current statements and pricing model
Bank payments and payment links for invoices
Surcharge or dual pricing, set up only with processor approval and under card-brand and state rules, never on debit or prepaid cards
What your website must show to be approved
Which devices fit, and whether anything you own can be reused

$500 on its own · included in the integration audit

Savings are not guaranteed and this is not legal advice. Your PCI duties to your processor remain yours; we prepare the facts you need.

Plain promises

The merchant account is yours. You sign the processor's own application and pay the processor directly.
Card fields on your site are served by the processor, not by us. We never build our own card form.
Refunds and voids need a person. No assistant ever moves money.
If Port City pays Vectena anything for your account, you are told in writing before you sign.
Checkout keeps working if our systems are offline; results are recorded when they return.

Process

How a payments project runs

Check-up

Statements, needs, devices and what your site must show. Written report.

Your merchant account

Port City sends the application; you sign it and upload your documents. Vectena is named your technical contact, with no access to your funds.

Build in test

Checkout, devices and connections are built against a test account and run through approvals, declines, timeouts, voids and refunds.

Security review

The checkout page is locked down: no third-party scripts beside the processor's, and a test that proves no card number lands anywhere in your systems.

Go live

A real one-dollar sale and refund on your own card, then the first deposit checked against the settlement report.

Operate

Deposits compared with orders every day; disputes sent to you the same day with the order attached; a yearly reminder for your self-assessment.

The same six-step method runs every engagement: How we work.

Switching

Already taking cards?

Cards on file elsewhere

We ask your current processor and Fiserv whether stored cards can be transferred before you decide. If they cannot, we plan the re-enrolment with you rather than surprise your customers.

Terminals you own

A device set up for another provider is not assumed reusable. We get a written yes or no before any budget is set, and never alter a terminal's security settings ourselves.

A point of sale under contract

Many POS and property systems only work with the payment providers they have validated. We read your contract and the vendor's list first, and tell you plainly what is and is not possible.

Ready to see what it would cost you?

Book the check-up