Never any contracts
No multi-year commitments. No "termination liability." You can leave any month, any reason, and we still take your call. The relationship is the product.
About FinCo
We started FinCo because merchants deserve an advocate — not another sales rep.
Someone who puts their business first, not their own commission. Someone who shows up after the sale. Someone who reads the statement, names every fee, and tells the truth about what's negotiable. That's what we built.
Why We Started
The merchant-services industry is built around the wrong incentive.
For decades, payment processing was sold the same way: an inside-sales rep dials cold, talks down rates, hides padding in the fine print, earns a commission on the spread, and disappears. The merchant is the inventory. Gray-area pricing, hidden fees, surprise PCI charges, and unexplained rate hikes are the industry default — and once you sign, the rep is gone.
FinCo Payments is an independent merchant services consultant in Austin, TX, working with merchants in Austin and nationwide. FinCo turned that model around. We're consultants, not salespeople. We earn only when the merchant stays, which means the only way to build a real FinCo business is to make sure every merchant we onboard comes out ahead and stays ahead. The advocate model is built into how we get paid.
The Inversion
We make money for and with our clients — never from them.
This is the single most important sentence on this website. Most merchant-services firms make money from the merchant — through padded markups, gateway fees, annual fees, statement fees, PCI surcharges, and rate creep. The merchant is a revenue source.
FinCo doesn't work that way. Our merchants never write us a check. There are no FinCo fees, no annual charges, no statement charges, no rate-creep adjustments. The merchant pays the processor's published cost. FinCo gets paid by the processor for placing and supporting the account. That's it. Our incentive is permanently aligned with the merchant's: the lower their rate, the longer they stay, the more we both win.
What you'll never get from FinCo
The gray-area practices we refuse to do.
Our consultants exist to take the gray out of merchant services. Here's what that means in practice:
Never any cancel fees
If you outgrow us or find a better deal somewhere else, we close the account cleanly. No early-termination penalty. No buyback game. No "60-day notice" trap.
Never any rate increases
Rate increases are the industry's quiet annuity — bump every account 0.1% and nobody notices. We don't do it. Your rate is your rate. If the underlying network costs go up, that's a card-network change you'd see anyway — not a FinCo decision.
Never any gray-area pricing
No padded gateway fees. No "non-qualified" buckets dumped at the bottom of your statement. No PCI surcharges you can't explain. Every line on your statement is something we can name and defend.
Beyond Processing
The operating partnership already running.
Payment processing is the foundation, not the whole relationship. FinCo also builds and runs the web infrastructure our merchants depend on. It's the same bet as the payments work: a business that gets found does more transactions, and the account we placed gets healthier. These are live services we deliver today, not plans.
Custom website builds
Fully custom, built around what you actually sell — not a template with your logo dropped into it. Mobile-first, fast, and written for your business. Rebuilds are included when the business changes.
Hosting & domain registration
We register the domain and host the site on modern edge infrastructure. SSL, DNS, uptime, and backups are ours to worry about. You own your domain — always, and on the way out too.
Active security monitoring
Managed, monitored security on every site we run, handled at the edge — not a plugin you're expected to remember to update. You never have to log into anything to stay safe.
Marketing, SEO & ads
Local search, on-page optimization, campaign strategy, creative, and execution across Google and Meta. The top-of-funnel work that keeps transactions running through the account we placed.
Who We Are
The people on your side of the table.
FinCo is a team of consultants and partners working under one standard: the merchant comes first, and the relationship outlasts the sale. However you come in, your account is placed, priced, and supported the same way — with a named person accountable for it and a firm that answers when you call.
The 30-second model
How the business actually works.
A merchant uploads their statement. We read every line. If we can save them money on their current setup, we say so — even if it means they stay where they are. If we can place them somewhere better, we propose the move with the math attached. If they say yes, FinCo gets paid by the processor each month the merchant processes — and we reinvest that into the relationship: better technology, better support, additional services, lower effective costs. The merchant pays the processor; they never pay us.
That model only works if we keep merchants happy month over month. So the entire company is structured around long merchant life, not high-velocity origination. It's a slower way to build, but it compounds — and it's the only model where growing FinCo means growing the merchants we serve.
Start here
See the model on your own statement.
Send one statement. We read every line and tell you what is negotiable, usually within 24 hours. If you should stay where you are, we say so, in writing.