NTJ Payment Services delivers reliable payment processing to businesses nationwide with transparent pricing, personal service, and no surprises on your statement.
Most large payment processors answer to shareholders and boards. That pressure shows up as a steady rate increase after your introductory period ends. NTJ is structured differently.
Our lean operation and processing volume allow us to pass genuine savings to every client we serve, not just at the start, but month after month.
Our StoryNo bait and switch. No introductory rate that climbs. What we quote is what you pay.
We review your current statements at no charge and show you exactly where you stand.
Real people who know your account. No hold queues. No call centers.
Our founder has over two decades in merchant services. We have seen every scenario.
Large processors answer to shareholders. NTJ answers to you. Our structure is built to keep rates low and service high, not the other way around.
From card swipes to bank transfers, we support every payment method your business needs.
Accept all major cards with competitive rates and next-day funding. No surprise fees.
Learn more →Secure payment gateways for your website, invoice links, and e-commerce. Accept payments around the clock.
Learn more →Modern terminals and full POS systems for retail, restaurant, and service businesses.
Learn more →Lower-cost processing for recurring billing, B2B invoices, and high-ticket transactions.
Learn more →Compliant programs that legally pass processing costs to card users, reducing your monthly fees.
Learn more →Multi-layered fraud monitoring and chargeback management so you can focus on your business.
Learn more →Most payment processors are publicly traded or backed by private equity. That means every pricing decision is filtered through the question of what is best for investors, not what is best for you.
NTJ is privately owned and operated. There are no quarterly earnings to hit. No board of directors pushing for margin expansion. When there is no one above us demanding growth at your expense, we are free to do what is actually right for your business.
We specialize in businesses with substantial card volume. If your processing costs are high, we want to talk.
Send us your current processing statement. We review it at no charge and show you exactly where you stand and where the savings are.
We build a pricing proposal tailored to your volume and transaction profile. No generic rate sheets. No surprises.
Our team handles the setup. Most merchants are live within a few business days and saving money from day one.
A free rate analysis takes 24 hours and costs you nothing. Start there.