Payments - Accepting Credit Cards Online | Payments

Our business is not owned by a card processing company, nor does it have an exclusive partnership with just one payment processor. This leaves you to find the best fit and have the freedom to use any company you decide to accept card payments using these main options:

Feature	Global Payments	Fiserv - Flat Rate Exclusive Direct Offer	Fiserv - Interchange Plus Exclusive Direct Offer	Square	PayPal
Major cards accepted	✅	✅	✅	✅	✅
PCI compliant	✅	✅	✅	✅	✅
No gateway fee	✅	✅	✅	✅	✅
Recharge cards	✅	✅	✅	✅	❌
Online bank drafts (ACH)	✅	✅	✅	❌	❌
Refunds direct through IO	✅	✅	✅	❌	❌
Automatically schedule future payments	✅	❌	❌	❌	❌
Decline minimizer (updates expired stored cards)	✅	❌	❌	❌	❌
Discounted processing rates for customers with certain plans	✅	❌	❌	❌	❌
Automatically recharge cards via our Automations	✅	❌	❌	❌	❌
Fee type	Interchange Plus or Flat Rate	Flat Rate	Interchange Plus	Flat Rate	Flat Rate
Rates	Varies	2.6% - Card Present 2.89%- Online/Recharge	Interchange + 0.05 (Non-Amex) Interchange + 0.06 (Amex)	2.6% - Card Present 3.3% - Online	3.49% - Online
Signup Process	Direct through Global Payments	Application built into your account	Application built into your account	Direct through Square	Direct through PayPal
No rate creep	❌	✅	✅	❌	❌
No surprise fees	✅	✅	✅	❌	❌
Mobile Card Reader Support in IO Workers App	❌	✅	✅	❌	❌
Card Reader Devices Integrated with IO	❌	✅	✅	❌	❌

Global Payments

1. Apply here for a price quote
2. After approval, we will set up the online payments for you.
3. For mobile payments, we will email you the keys and instructions you'll need.

⚠ Important: Our Fiserv Partnership

We offer a specialized Fiserv ISV Partnership. This is an exclusive integration built specifically for our software users. Our integration is only compatible through the partnership deal due to technical limitations.

Existing Fiserv/Clover accounts will not work.
Accounts created through a bank or Clover.com will not work.
To use Fiserv with our platform, you must apply through the links below.

Fiserv Flat Rate

Easier reconciliation and predictable fees
Good fit for lower to mid-volume businesses
Apply here for a price quote
If you want to accept ACH payments (uncommon), you must connect with your Fiserv - Flat Rate/Fiserv - Interchange Plus rep and request to have ACH via ProfitStars for it to work in our software.
After approval and working with their team, we will finish the integration into your account
Pending purchase of optional card reader device you can accept payments directly from our mobile workers app

Fiserv Interchange Plus

Transparent pricing based on actual interchange costs
Often, lower effective rates for higher volume or B2B businesses
Best for companies focused on long-term processing savings
Apply here for a price quote
If you want to accept ACH payments (uncommon), you must connect with your Fiserv - Flat Rate/Fiserv - Interchange Plus rep and request to have ACH via ProfitStars for it to work in our software.
After approval and working with their team, we will finish the integration into your account
Pending purchase of optional card reader device you can accept payments directly from our mobile workers app

Square

Sign up for Square
US Companies
Canadian Companies
Go to Settings and select Merchant Services
Select Square.
Select "Sign Into Square", and this will take you to the Square sign-in page.
After signing and authorizing the connection, Square Payments will be active.

PayPal

Sign up for a PayPal account.
Once your PayPal account is set up, return to the software and go to the settings page.
Select Merchant Services.
Select PayPal, and enter in the email address or PayPal ID you used to set up your PayPal Account, mark active, and then click save and close.

Supported Merchant Accounts

We support:

Global Payments
Fiserv Flat Rate
Fiserv Interchange Plus
Square
Moneris
PayPal
Bambora

Authorize.net Plans

We are aiming to introduce a direct integration with the Authorize.net gateway, with a timeline currently projected for 2026. While this is our intention, we continue to prioritize the stability and security of our existing platform. Until a new integration is officially released, we strongly advise using our currently supported payment partners to ensure you receive the best processing rates and maintain full security compliance.

Discontinued Processors	Status	Discontinue Date
PayJunction	Discontinued	3/31/2026
Authorize.Net	Discontinued	3/31/2026