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 | Fiserv - Interchange Plus | 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 2.9% - Online 3.5%- Recharge |
3.49% - Online |
| No rate creep | ❌ | ✅ | ✅ | ✅ | ✅ |
| No surprise fees | ✅ | ✅ | ✅ | ❌ | ❌ |
| Supported by IO Workers App | ❌ | ✅ | ✅ | ❌ | ❌ |
| Processor | Status | Discontinue Date |
|---|---|---|
| PayJunction | Discontinuing | 3/31/2026 |
| Authorize.Net | Discontinuing | 3/31/2026 |
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.
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
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
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 | Discontinuing | 3/31/2026 |
| Authorize.Net | Discontinuing | 3/31/2026 |