Small Business Merchant Services
Take your business to the next level by securely processing credit cards, debit cards, and other payment forms through Celero.
Get concierge-level service at a great price.
NOTE: To get access to merchant services, you will need a business account with Axos Bank. Don't have an account? View our accounts here.
Get a $100 Visa gift card if we can’t match or beat your provider’s pricing!*
3 Ways Merchant Services Can Support Small Businesses
One
Merchant services allow businesses to accept and process credit and debit card sales.
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Equipment and software required to process those payments.
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Payments are then processed in-store, online, or done via smartphone.
Payment Solutions for Your Business
Contactless point-of-sale payments and much more. Elevate your business and provide customers with the payment options they want.
How Celero makes these services work for you.
Celero is an industry-leading merchant services provider with a high-tech and high-touch approach to payment processing and the highest level of customer service. Find the right solution at the lowest cost available, with dedicated support every step of the way.
Shopping cart integration
POS systems to track time, attendance, and inventory
Software to set up recurring billing
Superior customer service
Customized pricing to fit your budget
Contact an Axos Relationship Manager
Contact a relationship manager to learn about merchant services provided by our partner Celero.
NOTE: To get access to merchant services, you will need a business account with Axos Bank. Don't have an account? View our accounts here.
Frequently Asked Questions
What monthly fees are included for merchant services?
These fees include 24/7 support, reporting, analytics, risk and fraud monitoring, and could include payment gateway access or dispute resolution.
How long will it be before I can start accepting card payments?
This depends on the size of your business and number of locations. You can also speed up the process if you choose a mobile processing app as opposed to a traditional POS system.
How does the process work for making a credit or debit card payment?
Customer places an order with the merchant.
Merchant submits the order/transaction via their payment/point-of-sale system.
The system forwards the payment authorization request to the card-issuing bank to verify the customer’s card account and funds availability.
The authorization or decline response is returned via the system to the merchant. This process typically averages around three seconds.
Upon receipt of the payment authorization, the merchant fulfills the customer's order.
Merchant then "settles the batch" of transactions through their POS system. The POS system requests from the merchant's processor to get a group or "batch" of authorized settled transactions. The processor credits the funds to the merchant's account. POS systems are set up to automatically batch transactions each day. They can also be set for manual batching, which requires the merchant to close their batch of transactions on a regular basis.
Axos Bank deposits transaction funds into the merchant's deposit account.
What is the cost of payment processing?
The cost of processing credit and debit cards varies greatly. You will likely be charged fees by the card networks, including interchange fees and processing fees. Read through the fees and ask questions before signing a contract with the card network. You could even negotiate a better price.
How do I speak to someone directly about merchant services?
Contact an Axos bank relationship manager. Fill out the form above or call us at 844-678-2726.