Reliable Credit Card Processing Services

About Us

Sweetwater Payments

Sweetwater Payments provides timely, professional, and trustworthy solutions for your payment strategy. Whether your business accepts credit cards, e-commerce transactions or ACH payments, you need a trusted payment system provider. We support your business behind the scenes, so that you can continue growing and managing your business. You'll find great rates, superior technology, and over the top customer service with Sweetwater Payments.

We know that the success of your operation hinges on your ability to accept payments quickly and reliably with all merchant services. When it comes to accepting electronic payments, the credit card processing partner that you choose can either help you or hinder you.

Sweetwater Payments leverages trusted partner resources to provide unique solutions that are secure and cutting edge. You receive the benefit of all these resources, plus the personal approach that seems to be missing in this industry. We believe that you deserve a professional that is accessible to you.

Our founder, Paul Jenkins, believes in providing you with accessible teams focused on your satisfaction. Our team works diligently to earn your trust, create solutions tailored to your business model, and provide unprecedented support.

But enough about us, we'd like to hear about you! Let us know what is important to you in choosing a processing partner. We look forward to hearing from you.

New Solution: AI advantage POS

Automatic SKU Recognition

Instantly scan items and pull preloaded details.

AI Suggestions

Automatic SKU Recognition

Get suggestions on items to carry & price suggestions based on your zip code.

Tax & Shrink Control

Automatic SKU Recognition

Tax & Shrink Control

Correct EBT status, prevent over-taxation, reduce lost margins.

Manage Anywhere

12+ Languages Built-In

Tax & Shrink Control

Adjust prices, manage inventory, and print labels all directly form your phone or device.

12+ Languages Built-In

Supports 12+ languages for voice and text support for staff and customers.

Additional Features

12+ Languages Built-In

Cloud POS Offline Mode, Cash Drawer, Shift Management, Bundle and Pack Item Management, Loyalty and GIft Card Programs, Inventory/Customer Management, Multi-Store Management, Lottery Sales Tracking, Automatic ID, Checking for Age Verification, Integrated weight scale, Intergrated Security Camera.

Services

Detail your services

Payments made simple

Sweetwater Payments offers the best in payment solutions for all business types (including restaurants, retail, hospitality, service industries, e-commerce and fulfillment houses. Simply put, we provide the highest level of service while staying current with the frequent and fluid changes in industry regulations and technology.

With Sweetwater Payments, you have peace of mind. We deliver secure and efficient solutions tailored to fit your particular needs. You will receive simple and straightforward answers that are researched with your industry requirements in mind.

Credit Card Processing

Your business needs fast and reliable card acceptance methods. That's why we partner with the most robust and innovative processors available. With our team in your corner, your concerns become our priority. You get fair, competitive rates that don't gouge your bottom line. And you get 24/7 technical support for any issue that arises.

Low rates and personalized education on how to understand the industry
An accurate and detailed rate quote with full disclosure of all fees/charges
Quick account approval and setup, often with little capital expenditure
Low prices on all processing hardware, software, virtual terminal and other payment services. Interest free payment plans are often available
Education on best security practices to protect you and your customers

Depending on the particular needs of your business, Sweetwater Payments offers solid technology and visionary products to grow sales and build revenue.

POS System

A robust POS combines helpful tools like payment processing, sales reporting, customer engagement software, inventory management, and time clocks. Let us help you find one that captures every sale and streamlines those time-consuming administrative tasks. We work with a variety of POS systems that are proven and effective in diverse environments.

Terminal based environment

Your business may only need an easy to use counter-top terminal, or perhaps one more robust to host multiple applications. Terminals are suited for many retail and restaurant environments and we support a wide variety of dial, IP, and wireless terminals.

Virtual Terminal

Turn your own computer into a secure credit card machine. All it takes is an internet connection to access our secure website and perform card present or card-not-present transactions. Optionally, add a device via a USB connection to allow for EMV (chip card) transactions.

Mobile transactions

In today's mobile culture it's important to accept transactions wherever your business takes you. Don't fall victim to the non-compliant products that are popular... Our solutions are PCI Compliant and encrypted to ensure that the card data is not compromised. Turn your own smartphone or tablet into a mini-POS system that not only takes transactions, but can also track inventory.

E-Commerce and website payments

If it's “simple” you are looking for, our Hosted Payment Page does the trick, as it’s easy to set up and use. Design a customized payment page for your website that will fit your branding. For more complex website integrations, we provide secure shopping carts and can allow your web developer access to a proprietary gateway or provide access to other popular gateways.

Recurring Payments

Our Recurring Payments Platform allows your customers to choose between electronic ACH debits or recurring credit card payments. Receiving payments on time has never been easier. This is perfect for businesses who collect monthly payments (rent, storage, memberships.) Simply set up the payment details one time, then only manage the exceptions.

Surcharging

Are you interested in a compliant way to pass expensive Reward Card fees back to your customer? The result significantly reduces your costs for card processing and can leave you more revenue to build your business. There are many programs available that are not compliant with the Card Brand rules, and it’s important to have a full understanding of the proper way to “surcharge.” We have a fully compliant program that can be implemented in your business easily and with little hassle. This program is one of the fastest growing trends in the industry.

Frequently Asked Questions

What is Merchant Payment Processing and how does it work?

Merchant payment processing is the system that lets a business accept and handle payments from customers-whether by credit card, debit card, mobile wallet, or online checkout. It's what happens behind the scenes when you tap your card, swipe, or click "Pay Now" This will initiate data to be sent securely, authorization request, a check of funds for approval or decline. Following the completion of payment it then settles funds often next business day to the merchant account.

How to Choose the Best Payment Processing?

Choosing the "best" payment processor isn't about picking a famous name-it's about matching the system to how your business actually operates. The wrong choice can quietly cost you thousands per year in fees or lost sales. Here at Sweetwater Payments we will help advise you on the best fits and make partnerships to find a solution tailored to your specific business.

What are the Hidden Fees in Payment Processing?

While we've see all kinds the biggest is going to be Interchange. Every card type has a base cost (interchange). Some processors quietly add extra markup or downgrade transactions into more expensive tiers. *Mid-Qualified/non-qualified rates (tiered pricing) *cents on top of percentage or interchange plus (ex. 2.8% + .28 per transaction. * commonly business may have higher rates due to Rewards cards and Business cards costing more than you expect due to the increased Interchange rates.

Payment Processing Costs: What Should You Really Pay?

"Good" payment processing cost isn't the advertised rate-it's your effective rate (what you actually pay after all fees. Typical total cost 2%-3% effective rate normally due to a national increase of rewards and business cards costing the merchants more to run. Though many businesses find themselves 2.5%-4% after hidden fees.

Is Your Payment Processor Compliant? A Safety Guide

In payments, that typically comes down to PCI compliance. What that means: *Card data is encrypted and securely transmitted. *Systems are protected against breaches. *Sensitive data is not stored improperly. *Regular security testing and audits are done. (Don't worry we have your back here. Moving to Sweetwater Payments we will take over this and stay up to date on scans and compliance to keep you moving forward and focused on your business!)

Payment Gateway vs. Payment Processor: What's the Difference?

People often use "payment gateway" and "payment processor" interchangeably, but they are actually different parts of the payment system. Here's a clean breakdown.

Payment Gateway = the "Digital Cashier"

A payment gateway is the technology that captures and securely transmits payment information. The online equivalent of a card reader at a store.

What it does:

Collects card details(checkout page or online terminal

Encrypts the data

Sends it to the processor

Returns approval/decline to the customer

Payment Processor = the "money mover"

Think of it as the financial middle layer that communicates with banks and card networks.

Sends transactions to issuing bank for approval

Routes approved payments through card networks

Coordinates fund transfer to merchant's bank

Handles settlement and batching.

Please reach us at info@sweetwaterpayments.com if you cannot find an answer to your question. We are

Based in Sweetwater County, Wyoming.

Your privacy is important to us. It is Sweetwater Payment‘s policy to respect your privacy and comply with any applicable law and regulation regarding any personal information we may collect about you, including across our website, www.sweetwaterpayments.com, and other sites we own and operate.

Personal information is any information about you which can be used to identify you. This includes information about you as a person (such as name, address, and date of birth), your devices, payment details, and even information about how you use a website or online service.

In the event our site contains links to third-party sites and services, please be aware that those sites and services have their own privacy policies. After following a link to any third-party content, you should read their posted privacy policy information about how they collect and use personal information. This Privacy Policy does not apply to any of your activities after you leave our site.

This policy is effective as of 01/01/2025

Last updated: [05/05/2026]

Information We Collect

Information we collect falls into one of two categories: “voluntarily provided” information and “automatically collected” information.

“Voluntarily provided” information refers to any information you knowingly and actively provide us when using or participating in any of our services and promotions.

“Automatically collected” information refers to any information automatically sent by your devices in the course of accessing our products and services.

Log Data

When you visit our website, our servers may automatically log the standard data provided by your web browser. It may include your device’s Internet Protocol (IP) address, your browser type and version, the pages you visit, the time and date of your visit, the time spent on each page, and other details about your visit.

Additionally, if you encounter certain errors while using the site, we may automatically collect data about the error and the circumstances surrounding its occurrence. This data may include technical details about your device, what you were trying to do when the error happened, and other technical information relating to the problem. You may or may not receive notice of such errors, even in the moment they occur, that they have occurred, or what the nature of the error is.

Please be aware that while this information may not be personally identifying by itself, it may be possible to combine it with other data to personally identify individual persons.

Device Data

When you visit our website or interact with our services, we may automatically collect data about your device, such as any electronic devices used to browse.

Data we collect can depend on the individual settings of your device and software. We recommend checking the policies of your device manufacturer or software provider to learn what information they make available to us.

Personal Information

We may ask for personal information — for example, when you submit content to us, make payment or when you contact us — which may include one or more of the following:

Name, Address, Phone number, email or payment details.

Legitimate Reasons for Processing Your Personal Information

We only collect and use your personal information when we have a legitimate reason for doing so. In which instance, we only collect personal information that is reasonably necessary to provide our services to you.

Collection and Use of Information

We may collect personal information from you when you do any of the following on our website:

Access our content

[event’s when you might collect personal data]

We may collect, hold, use, and disclose information for the following purposes, and personal information will not be further processed in a manner that is incompatible with these purposes:

to provide you with our platform’s core features and services

to enable you to customize or personalize your experience of our website

to contact and communicate with you

for analytics, market research, and business development, including to operate and improve our website, associated applications, and associated social media platforms

for advertising and marketing

[times you use any collected personal data]

We may combine voluntarily provided and automatically collected personal information with general information or research data we receive from other trusted sources. For example, Our marketing and market research activities may uncover data and insights, which we may combine with information about how visitors use our site to improve our site and your experience on it.

Security of Your Personal Information

When we collect and process personal information, and while we retain this information, we will protect it within commercially acceptable means to prevent loss and theft, as well as unauthorized access, disclosure, copying, use or modification.

Although we will do our best to protect the personal information you provide to us, we advise that no method of electronic transmission or storage is 100% secure and no one can guarantee absolute data security.

You are responsible for selecting any password and its overall security strength, ensuring the security of your own information within the bounds of our services. For example, ensuring any passwords associated with accessing your personal information and accounts are secure and confidential.

How Long We Keep Your Personal Information

We keep your personal information only for as long as we need to. This time period may depend on what we are using your information for, in accordance with this privacy policy. For example, if you have provided us with personal information as part of creating an account with us, we may retain this information for the duration your account exists on our system. If your personal information is no longer required for this purpose, we will delete it or make it anonymous by removing all details that identify you.

However, if necessary, we may retain your personal information for our compliance with a legal, accounting, or reporting obligation or for archiving purposes in the public interest, scientific, or historical research purposes or statistical purposes.

Disclosure of Personal Information to Third Parties

We may disclose personal information to:

third-party service providers for the purpose of enabling them to provide their services

our employees, contractors, and/or related entities

our existing or potential agents or business partners

[third parties you might share data with]

Third parties we currently use include:

[Third party tracking software used – e.g. Google Analytics]

International Transfers of Personal Information

The personal information we collect is stored and/or processed in Australia, or where we or our partners, affiliates, and third-party providers maintain facilities.

The countries to which we store, process, or transfer your personal information may not have the same data protection laws as the country in which you initially provided the information. If we transfer your personal information to third parties in other countries: (i) we will perform those transfers in accordance with the requirements of applicable law; and (ii) we will protect the transferred personal information in accordance with this privacy policy.

Your Rights and Controlling Your Personal Information

Your choice: By providing personal information to us, you understand we will collect, hold, use, and disclose your personal information in accordance with this privacy policy. You do not have to provide personal information to us, however, if you do not, it may affect your use of our website or the products and/or services offered on or through it.

Information from third parties: If we receive personal information about you from a third party, we will protect it as set out in this privacy policy. If you are a third party providing personal information about somebody else, you represent and warrant that you have such person’s consent to provide the personal information to us.

Marketing permission: If you have previously agreed to us using your personal information for direct marketing purposes, you may change your mind at any time by contacting us using the details below.

Access: You may request details of the personal information that we hold about you.

Correction: If you believe that any information we hold about you is inaccurate, out of date, incomplete, irrelevant, or misleading, please contact us using the details provided in this privacy policy. We will take reasonable steps to correct any information found to be inaccurate, incomplete, misleading, or out of date.

Non-discrimination: We will not discriminate against you for exercising any of your rights over your personal information. Unless your personal information is required to provide you with a particular service or offer (for example providing user support), we will not deny you goods or services and/or charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties, or provide you with a different level or quality of goods or services.

Downloading of Personal Information: We provide a means for you to download the personal information you have shared through our site. Please contact us for more information.

Notification of data breaches: We will comply with laws applicable to us in respect of any data breach.

Complaints: If you believe that we have breached a relevant data protection law and wish to make a complaint, please contact us using the details below and provide us with full details of the alleged breach. We will promptly investigate your complaint and respond to you, in writing, setting out the outcome of our investigation and the steps we will take to deal with your complaint. You also have the right to contact a regulatory body or data protection authority in relation to your complaint.

Unsubscribe: To unsubscribe from our email database or opt-out of communications (including marketing communications), please contact us using the details provided in this privacy policy, or opt-out using the opt-out facilities provided in the communication. We may need to request specific information from you to help us confirm your identity.

Business Transfers

If we or our assets are acquired, or in the unlikely event that we go out of business or enter bankruptcy, we would include data, including your personal information, among the assets transferred to any parties who acquire us. You acknowledge that such transfers may occur, and that any parties who acquire us may, to the extent permitted by applicable law, continue to use your personal information according to this policy, which they will be required to assume as it is the basis for any ownership or use rights we have over such information.

Limits of Our Policy

Our website may link to external sites that are not operated by us. Please be aware that we have no control over the content and policies of those sites, and cannot accept responsibility or liability for their respective privacy practices.

Changes to This Policy

At our discretion, we may change our privacy policy to reflect updates to our business processes, current acceptable practices, or legislative or regulatory changes. If we decide to change this privacy policy, we will post the changes here at the same link by which you are accessing this privacy policy.

If the changes are significant, or if required by applicable law, we will contact you (based on your selected preferences for communications from us) and all our registered users with the new details and links to the updated or changed policy.

If required by law, we will get your permission or give you the opportunity to opt in to or opt out of, as applicable, any new uses of your personal information.

For any questions or concerns regarding your privacy, you may contact us using the following details.

info@sweetwaterpayments.com

Mon	09:30 am – 05:30 pm
Tue	09:30 am – 05:30 pm
Wed	09:30 am – 05:30 pm
Thu	09:30 am – 05:30 pm
Fri	By Appointment
Sat	Closed
Sun	Closed

Making Your Future a Success.

About Us

Sweetwater Payments

Contact Us

Drop us a line!

Get Started Today

Sweetwater Payments

Hours

New Solution: AI advantage POS

Automatic SKU Recognition

Automatic SKU Recognition

Automatic SKU Recognition

AI Suggestions

Automatic SKU Recognition

Automatic SKU Recognition

Tax & Shrink Control

Automatic SKU Recognition

Tax & Shrink Control

Manage Anywhere

12+ Languages Built-In

Tax & Shrink Control

12+ Languages Built-In

12+ Languages Built-In

12+ Languages Built-In

Additional Features

12+ Languages Built-In

12+ Languages Built-In

Services

Detail your services

Payments made simple

Credit Card Processing

POS System

Terminal based environment

Virtual Terminal

Mobile transactions

E-Commerce and website payments

Recurring Payments

Surcharging

Frequently Asked Questions

What is Merchant Payment Processing and how does it work?

How to Choose the Best Payment Processing?

What are the Hidden Fees in Payment Processing?

Payment Processing Costs: What Should You Really Pay?

Is Your Payment Processor Compliant? A Safety Guide

Payment Gateway vs. Payment Processor: What's the Difference?

Please reach us at info@sweetwaterpayments.com if you cannot find an answer to your question. We are

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