Your retail business needs options. We can help.

Choose a Reverse My Fees account, and your processing fees are 95% covered.  Save as much as 95% on credit card processing fees.

Alternatively, choose a non-Reverse My Fees account, and your rates are locked with us.  No rates creeping up when you aren’t watching. We give you all the tools to pay the least in fees with our Save Smart Guarantee.


Jeremy, owner of Stillwater Payments, provides the best customer service ever. He is experienced and knowledgeable and will get you the best rates period. Jeremy has saved us both tons of money and headaches.

Experienced and knowledgeable
Debra R.

I interact with the people behind Stillwater Payments a lot on a professional basis and they are ethical, honest, and very knowledgeable about the card-processing industry. A number of clients and colleague of mine use them for their merchant processing and feel Stillwater has saved them money and made their accounting reports much more understandable.

Ethical, honest, and very knowledgeable
Ken and Alicia Lund

Fantastic people My company has a national contract so I cannot use their services, but I have has lots of past experience with processors and I trust these guys implicitly. They are local and always have been and they do a fantastic job. Well worth having them review what you have.

Fantastic people!
Mitch Harrigan

It is such a relief to find a merchant services provider that is honest and ethical! I love these people. They have a rate guarantee that really sets them apart from anyone else. Jeremy, even saved me money on my processing machine tape! I do not hesitate to send my friends or family to Stillwater Payments!

Saved me money!
Brent Roelofs

Looking for and honest and ethical local business? Look no further – Stillwater Payment Processing should be your first choice! The owner, Jeremy is all about integrity. He is very knowledgeable and informative. It will be one of the best business decisions you make.

All about integrity!
Tracy Brantingham

Amazing customer service, knowledgeable and priced for your actual needs, not their pocketbook. Highly recommended. +++

Highly recommended. +++
Lopiccolo Construction

After hearing about Dan and Stillwater Payments from another auto shop who recently started using them as their merchant payment processor we had Dan come down to see what he could do for us. Not only was he very upfront and was able to show us what he could do for us he took the time to help sort out the mess we created with our past merchant accounts and was able to help us close those accounts out.. Customer service alone was worth the switch not including the savings. Thank you

Great support!
Padgett Brothers

I can genuinely say that I am happy with Stillwater Payment. Particularly with Jeremy. He has been such a great help and has always answered all my concerns and question no matter how many times I have asked the same question. Thanks again Jeremy.

I am happy with Stillwater Payment
Mary Nelson

I love everything about this company! Their loyalty and commitment to helping us succeed means everything. Everything is always running great and they are always quick to give solutions to any questions or concerns that may pop up in the way. Definitely would recommend them!

I love everything about this company!
Kellcey Waldaias

Great service and great prices! We had issues (not caused by Stillwater), and Jeremy and Dan were right there with me helping me solve it all. I highly recommend this company!

Great service and great prices!
Natalie Oehlerking

Ready to Start?

Stillwater Payment’s industry-leading payment service and support staff are ready to take your payment system to the next level. Let us show you how.




You deserve the best credit card processing for your business, right?

Stillwater Payments’ Rate Lock means you will never experience a fee increase. Next Day Funding is also included with our programs on approval so that you can enjoy the benefits of fast deposits and improved cash flow.

Stillwater Payments’ customers also benefit from our two guarantees – our Save Smart Guarantee and our No Risk Price and Service Guarantee. Be sure to ask us about each of them because they can make all the difference in the world for your business.

Learn More About Merchant Services
Reward Credit Cards

Stop paying processing fees

Why are you paying processing fees when your customers use their credit card for payment? Stillwater Payments’ Reverse My Fees program will eliminate up to 95% of your credit card processing fees.

If the customer decides to use a credit card when checking out, a surcharge is automatically calculated by the terminal and added to the customer’s charges as a separate line item on the receipt.

Learn More About Eliminating Fees

Do you need a Point of Sale system, or just a cash register?

We help you to determine what best fits your business. Have a POS you’re in love with? Great! We integrate with too many systems to list. 

Do you need POS functionality, inventory, a time clock, detailed reporting, or maybe just a cash register? We’ve got you covered.

Contact Us For POS Assistance

Use your computer as a POS and store payment information securely

Add an EMV device to your computer and securely accept EMV transactions on your PC.  You can also use a virtual terminal (VT) for recurring payments, which automatically bill on a specific date. Store customer payment data securely to use for future payments or recurring payments.

Our VTs are PCI compliant never disclosing full card or account numbers.

Learn More About Merchant Services

Shoppers love gift and loyalty cards

Retail shoppers love gift and loyalty cards. Not only do they make great gifts that can be given to family and friends but you can use them to reward your best customers. Stillwater Payments offers branded, plastic gift & loyalty cards. E-cards for stored value gift cards are also available. Two different billing types are available: flat monthly fee with unlimited transactions or monthly fee plus a per transaction fee. Choose the plan that best suits your business.

Request a Quote

Reputation management and customer referral system

Nearly 9 out of 10 consumers trust an online review as much as they trust a personal referral. Stillwater Payments has partnered with Referrizer to make it easier than ever for small businesses to request customer reviews and set up their own referral rewards program.

Great discounts are available for Stillwater Payments’ customers.

Request a Demo

Collect payments on the go

Mobile payments are great for deliveries or a backup if the power is out or internet is down.

Learn More

Need money fast for your business? Look no further!

We have multiple business financing options available including:

  • merchant cash advance,
  • gross receipts loan,
  • new business equipment financing, and
  • Point of Sale equipment leasing.
Explore Financing Options

Online payment options for every retailer

Connect with our competitively priced shopping carts, or we can integrate with yours.

Secure payments on your website via Shopify, 3DCart, WooCommerce, or Big Commerce that are easily expandable with additional features. Looking for another shopping cart? We have numerous integrations with other shopping carts if you’ve decided on another.

Learn More About Merchant Services
emv terminal

EMV credit card terminals

No stripped-down models here. We have only the best terminals, all with a full Infinite Warranty for the lifetime of your merchant account, offered at great prices. Every terminal includes P2PE encryption for maximum protection at no extra charge.

We offer Ingenico, Verifone, POYNT, Dejavoo, Pax, and FD credit card terminals.

Let’s Talk About Your Options