Innovative merchant services and payment solutions, focused on card not present, level III processing and omnichannel merchant needs, including retail, software, distributors, and manufacturers. Third generation entrepreneur with expertise in building supply, marble & stone, lumber, roofing, HVAC, flooring and other construction suppliers. Core SaaS services include an intelligent virtual terminal, the hub for check and credit card processing from all sources- retail, mobile, online, ecommerce, electronic bill presentment & payment, and integrated solutions. No new merchant account required!


pci compliant  payment gateway

One flexible source for all payment needs. With our consultative approach, merchants eliminate the merry-go-round of re-examining solutions and vendors every couple of years, seeking something 'better'. Due to high satisfaction and trust, our retention is nearly 100% every year.

Payment Gateways:

Independent Gateways: CenPOS,, Payflow Pro, Payflow Link, PayTrace

Gateways with new merchant account: First Data e4, Paymentech Orbital, 3Delta / Global Payments, Global Transport/ Global Payments.

Christine Speedy, owner of is an independent reseller for payment gateways.

Merchant Accounts:

First Data, Chase Paymentech, Global Payments, Vantiv, TYSYS, Moneris Solutions, and additional partners around the globe.
Christine Speedy, owner of is an independent reseller for merchant services, and works closely with merchants and their existing processers to maintain existing merchant account relationships.

Level III Processing: CenPOS and PayTrace

Requires merchant account and payment gateway that support level III data for commercial and purchasing or P-cards. We have many options, no new merchant account required if compatible in place already. While other independent gateways may support level IIi processing, the integrations typically do not.

Check Processing:

T-Tech, United Tranzactions, Global Payments, Paypros echeck, SPS check

Electronic Invoicing: Quickbooks, CenPOS and others.

Credit Card Terminals:

Terminals are available for purchase or lease exclusively to clients using other payment services. Brands include Equinox, Ingenico, Verifone / Hypercom, Magtek, ID Tech, QwickPay.
Signature Capture terminals: Equinox, Ingenico, Verifone
Mobile payment terminals: Magtek, ID Tech Products, QwickPay, Infinite Peripherals, Payware

Gift Card Programs: First Data, Paymentech, Valutech, Paypros. Christine Speedy, owner of is an independent reseller for gift card programs.

Merchant Cash Advances: Convert some of your future credit card sales into working capital

Quickbooks, OpenBravo, OpenERP, odoo

It doesn't matter who you'r currently processing with - a bank, big name processor, or 3rd party ISO, the results can all be the same — you've got problems with efficiency, transparency, cost management and or PCI Compliance. We solve them, addressing decades old problems that other vendors have not.

christine speedy merchant services level III processing


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CenPOS payment technology overview

Least Cost Routing technology changes the landscape for credit card processing.

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CenPOS Certifies For Multi Currency Processing

CenPOS Completes EMV Certification

Level III processing solutions for all payment sources.

PCI Compliance

Merchant CLOUD SOLUTIONS specialties