Third-party payment processing
Excel Capital Management runs your entire transaction stack — authorization, settlement, funding, and support — so money keeps moving through your business while you stay out of the weeds.
How it works
Getting set up takes minutes, not weeks. After that, the processing, the security, and the funding happen without you touching a thing.
Apply in minutes. We underwrite and stand up your processing account — no technical lift required on your end.
Every transaction runs through Excel — authorized, secured, and settled — with fraud monitoring on by default.
Funds land in your account, often next day. Watch it all from one dashboard, or don't. It runs either way.
Solutions
The parts of accepting payments that usually eat your time — we take them off your plate.
Transparent pricing quoted to your volume and business type — no surprise line items.
Settle today, see it tomorrow on eligible batches. Cash flow stops being a guessing game.
Real-time monitoring and dispute support work in the background to keep losses down.
Every batch, deposit, and dispute in one clean view — export whenever you need it.
Plug into the checkout, terminal, or platform you already run. No rebuild required.
One dedicated contact who knows your account — not a ticket queue and a hold tone.
Partner program
Send businesses our way and earn ongoing residual income on every account you refer, for as long as it processes. We handle onboarding, servicing, and support — you collect. That's what hands-off passive income actually looks like.
Questions
It means Excel handles the movement of card and ACH payments on your behalf — the authorization, security, settlement, and funding — so you can accept payments without building or managing that infrastructure yourself.
You run your business; we run the payment stack behind it. Once you're onboarded, transactions process, funds settle, and disputes get worked without you managing any of it. You can watch it all in the dashboard, but nothing requires you to.
Next-day funding is available on eligible batches. Exact timing depends on your bank, batch cutoff times, and account type — we'll walk you through what to expect during setup.
Pricing is quoted to your processing volume, business type, and how you accept payments, so there's no single number that fits every merchant. Request a quote and we'll put real, itemized numbers in front of you.
Processing is built to PCI DSS Level 1 standards with 24/7 fraud monitoring. Approval and funding are subject to standard underwriting, which protects both you and Excel.
You refer a business, we onboard and service it, and you earn a share of the processing revenue for as long as that account stays active. Terms are laid out plainly before you sign up — no fine-print surprises.
Get started
Tell us a little about your business and we'll come back with a real quote and a plan to get you processing — usually within one business day.