Named by the AI engines
GEO that gets you recommended when customers ask ChatGPT, Claude, Perplexity or Gemini for a business like yours. Live today on FinCo-built sites.
Solutions
One consultant who works for you. The whole stack behind them.
We start with how money moves through your operation, then assemble the pricing model, processor, hardware, software and services that fit. One consultant on your side of the table owns the whole relationship, from the first statement read to every quarterly check-in. One person, one relationship, the whole stack.
Powered by RepVantage · Agentic AI
Payments is the floor. Then the AI goes to work growing your business.
Most processors stop at moving money. FinCo pairs your account with an agentic AI growth engine, powered by RepVantage — an AI platform we bring to payments that actively works to win you customers. It gets your business named when people ask an AI assistant who to call, keeps your presence sharp across the engines that shape those answers, and turns that visibility into transactions on the account we already run for you. You don't have to drive a dashboard: a team of AI agents works every hour of every day, on your side.
Always on, never a login
Agentic AI that monitors, adapts and keeps your online presence sharp around the clock. You run the business; the agents run the growth.
Growth wired to payments
The same team that runs your processing runs the growth engine — so more visibility flows straight into more transactions, not into another vendor's report.
What you get with every FinCo account
Six things that come standard.
Free statement analysis
We read every line. No card required, no sales pressure. Usually back within 24 hours.
Multi-partner placement
Hardware, software, gateway, and processor — assembled per account from a deep partner bench. New partners added when the right deal calls for it.
No FinCo fees, ever
You never pay FinCo directly. No annual charge. No statement fee. No rate creep. The merchant pays the processor's published cost; we earn from the placement.
No contracts, no cancel fees
You can exit any month, any reason, with no penalty. The relationship is the product.
Hardware that fits
From countertop terminals to integrated POS to mobile readers — we work with whatever your operation actually needs.
Designated escalation owner
A named person on FinCo's side handles processor questions, chargebacks and hardware issues before they reach your day.
Pricing models
The right model is the one that fits your business — not your processor's.
We run the math on all six. Whichever one keeps the most margin on your specific volume, ticket size, and card mix wins.
Interchange Plus
Card-network pass-through cost plus a transparent markup. The model honest operators tend to end up on. Best for higher-volume businesses where every basis point matters.
Cash Discounting
Lower posted prices for cash; the card price includes a non-cash adjustment that recovers the processing cost. Compliant, clean signage, easy rollout — recovers 90–100% of processing cost when done right.
Dual Pricing
A lower cash price and a higher card price posted side by side. Card customers fund processing directly; cash customers get a clean break. Legal in 49 states with the right disclosure.
Surcharge Programs
A flat surcharge on credit only (debit excluded by law). Less aggressive than dual pricing, easier to roll out, still recovers most of the processing cost.
Tiered Pricing
Qualified / mid-qualified / non-qualified buckets. Best when your card mix is predictable and you want pricing stability. We'll model it transparently — no hidden "non-qual" surprises.
Custom enterprise terms
For volume merchants, multi-location operators, and enterprise accounts — account-specific effective-rate negotiation, dedicated underwriting, custom batch-out windows, settlement terms tuned to your treasury. Multi-location or high volume? Book 30 minutes and bring last month’s numbers →
Hardware, software & gateways
Hardware that fits how you take money.
We are brand-agnostic across terminals, POS systems, gateways and vertical software, assembled per account around how your business actually takes money. Every model and platform we place is on the equipment page, with what each one is for.
Beyond Payment Processing
The operating partnership grows with you.
Payment processing is the foundation, but it's not where the relationship ends. FinCo builds and runs the web infrastructure our merchants depend on: live services we deliver today, bundled with the merchant account instead of sold as an upsell.
Custom website builds
Every site fully custom — built around what you actually sell, not a template with your logo dropped into it. Mobile-first, fast, search-optimized, with copy written for your business. Rebuilds included when the business changes.
Hosting & domain registration
We register the domain and host the site on modern edge infrastructure: uptime, SSL, DNS hygiene, backups, and content updates. You own your domain — always, including on the way out.
Active security monitoring
Managed, monitored security on every site we run, enforced at the edge — not a plugin you're expected to remember to update. The merchant never has to log into anything to stay protected.
SEO & search visibility
On-page optimization, local SEO (Google Business Profile, citations, NAP), schema markup, content strategy.
GEO — Generative Engine Optimization Live
Positioning your business in the AI citation layer — getting referenced when customers ask ChatGPT, Claude, Perplexity, or Gemini for a recommendation. Live now on FinCo-built sites, powered by RepVantage.
Marketing & ads
Campaign strategy, creative, copy, and execution across Meta, Google and LinkedIn. Built to drive traffic that actually converts on your business.
Discovery & positioning
Brand discovery session before we ship anything. Who you serve, what you stand for, what makes you different. The brief that anchors everything that follows.
Treasury & capital
The money side of the business, handled too.
Payments is where most of our clients start, but it's not where the relationship has to stop. Through our partners, FinCo can connect you to the treasury and capital tools a growing business actually uses, under the same one-relationship model. No new vendor maze.
Business banking
Operating accounts built for how a merchant moves money — fast settlement, clean reporting, none of the legacy-bank friction.
Business debit cards
Per-employee cards, spend controls, and reporting that ties back to the account — the money out as clear as the money in.
Cash advances
Capital against your processing volume when you need to move — inventory, a build-out, a slow stretch — priced plainly, with the terms in writing.
Financing
Equipment and growth financing through our partners, structured around your actual numbers rather than a one-size rate card.
We don't lead with this, since most clients come for payments first. But if you want the whole money side under one roof, ask on a call →. It's available now.
Not sure which combination fits?
Upload your current statement and tell us a little about your business. We'll come back with the recommended pricing model, hardware option, software fit, and (if relevant) which of the expansion services would actually move the needle — side by side, with the math shown.