We build payment programs that put merchants first
Selective Pay is a modern processor focused on transparent pricing, interchange optimization, and reliable funding. From hospitality to high-risk, we align your workflows to card-brand and banking requirements — without the smoke and mirrors.
Merchant Review Form
Our Story
We started Selective Pay to make processing simple, transparent, and fit for each industry. No hidden fees, no mystery downgrades—just clear, compliant programs that lower your effective rate and make reconciliation easy.
Today we support hospitality, healthcare, retail & services, golf & country clubs, and high-risk categories with a flexible stack of gateways, POS, and bank partners.
Milestones
Launched our first hospitality program
Expanded to high-risk friendly bank network
Rolled out dual pricing + online checkout
Introduced analytics & chargeback tools
What We Believe
Transparency
Clear statements, no junk fees, and data you can verify.
Merchant-First
Design around your workflows: in-person, online, and recurring.
Compliance
Align to card-brand and state rules—set up right from day one.
Reliability
Next-day funding (where eligible) and dependable uptime.
Craft
Interchange optimization and thoughtful gateway/POS choices.
Partnership
Responsive support and continuous optimization.
Security & Compliance
Payments & Data Protection
PCI DSS–aligned flows and EMV chip support
Point-to-point encryption (P2PE) capable hardware where applicable
TLS 1.2+ in transit; strong encryption at rest for stored data
Role-based access controls and audit logs
Compliance Guidance
State-by-state surcharging / dual pricing rules
Descriptor strategy and dispute-reduction best practices
Website disclosures for eCommerce (refunds, terms, privacy)
Documented onboarding & training playbooks
Trusted by business across the world
Press & Recognition
“Transparent pricing and analytics merchants actually understand.”
— Trade Publication
“Flexible options for high-risk categories with real support.”
— Industry Blog
“Interchange optimization done right—savings you can validate.”
— Analyst Note
Want the full story?
we’ll audit your latest statement and show exactly how we’d lower your effective rate.