Most businesses are losing $500–$1,000+ a month on payment processing. We'll look at your last statement and tell you exactly what you're paying and what you should be. Free. In 20 minutes.
No Contracts·No Hidden Fees·No Price Increases·Best-In-Market Rates·Free Statement Audit·Your Final Payments Partner·No Contracts·No Hidden Fees·No Price Increases·Best-In-Market Rates·Free Statement Audit·Your Final Payments Partner·
65%
Of businesses that share their statement switch to Atom
$500–1K+
Average monthly savings per merchant
$12K+
Average annual savings returned to each business
$100M+
In annual transaction volume processed
What We Do
Transparent Processing. Real Savings.
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Free Statement Audit
Send us your last processing statement. We'll break down exactly what you're paying, line by line, and show you where money is being left on the table.
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Best-In-Market Rates
We're a lean, independent ISO with no overhead to pass on to you. That means we can consistently beat the pricing from banks, big processors, and national ISOs.
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White-Glove Onboarding
Switching processors sounds complicated. It's not with us. We handle the setup, train your team, and stay available whenever something comes up.
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Monthly Savings Reviews
Every month you get a clear view of what you processed and what you saved. No surprises. Full transparency, always.
The Process
From Statement to Savings in Four Steps
01
Share Your Statement
Send us your last processing statement. Takes two minutes.
02
Free Audit
We analyze your fees, rates, and markup. We'll show you exactly what you're paying and why.
03
See the Real Number
We show you what you'd save by switching to Atom. Specific, not vague. No obligation.
04
We Handle Everything
If you switch, we do the heavy lifting. Fast onboarding, team training, ongoing support.
Real Client · Case Study
$8,000+ Saved Every Month.
A regional business had been processing with their bank for years, assuming they had competitive rates. After a free statement audit, they switched to Atom same backend processor network, zero disruption to their workflow, zero changes to how they operated. The difference was our pricing. A 50% rate reduction and $8,000+ back in their pocket every month.
50%
Rate Reduction
$8K+
Saved / Month
$96K+
Year One Savings
Real Client · Case Study
More Than Just Better Rates.
A regional remediation business was running their entire backend through a software provider (think ServiceTitan-style all-in-one). That convenience came at a cost: a 3.42% net effective rate and slow check-based collections. Atom replaced the system, brought their rate down to 2.5%, and introduced ACH payments. They eliminated check processing entirely and got paid 4 days faster.
0.92%
Rate Reduction (3.42% → 2.50%)
+4 Days
Faster to Payment via ACH
Gone
Check Processing Fully Eliminated
Client Results
Don't Take Our Word For It
Atom Payments helped us secure better processing rates and lower our fees. Owen is always available when we need help or have questions. An easy and reliable partner.
Controller · Manufacturing Industry
Not only has Atom saved our company a ton of money, but they made it easier than I ever imagined to move the whole company onto a new platform. 10/10!
COO · Industrial Services
Onboarding was seamless, Owen has been very responsive, and we've saved a significant amount of money each month on fees. Look forward to continuing.
VP · Energy Industry
The Difference
Atom vs. Everyone Else
Your Bank / Big Processor
~3.0%
✗ Hidden fees in every statement
✗ Price increases every 6-12 months
✗ Long-term contracts, cancellation fees
✗ Offshore support, zero relationship
✗ Massive overhead passed to you
✗ You're an account number, not a client
Atom Payments
True Cost
✓ Zero hidden fees. Ever.
✓ Rates locked. No surprise increases.
✓ No contracts. No cancellation fees.
✓ Direct line to Owen, always
✓ Lean team = savings passed to you
✓ A partner who knows your business
What Happens Every Month
We Make Sure You Never Forget What You're Saving.
Your Monthly Savings Review
Most processors hope you can not find your statement or forget about them after you sign up. We do the opposite. Every single month you get a full breakdown of your processing activity, delivered to your inbox. No digging. No surprises. Just clarity.
Total fees paid that month
Savings vs. your previous processor
Card mix breakdown (credit, debit, rewards cards)
Transaction volume summary
Net effective rate
Year-to-date savings total
"I wish I found Atom sooner. Every month I can see exactly what I saved. No other processor ever showed me that.
CFO · HVAC Industry
This is not a generic statement you have to decode yourself. It is a plain-language summary written so any business owner can understand exactly where every dollar went and how much they kept because they switched to Atom.
Common Questions
We Have Heard Every Objection. Here Are the Honest Answers.
How long does switching actually take?+
Most merchants are fully live within 3 to 5 business days. The application takes about 20 minutes. We handle the setup, test the terminal or integration, and train your staff before you process a single transaction on the new account. Most clients are surprised by how fast it is.
What if I am locked into a contract with my current processor?+
A lot of processors use early termination fees as a retention tool. In many cases the savings with Atom offset that fee within the first month or two. We will review your current agreement before you make any decisions and give you an honest answer on whether it makes financial sense to switch now or wait it out.
Will my equipment or software still work?+
In most cases, yes. We work with the major terminal brands and integrate with most POS systems and software platforms. If something needs to change, we will tell you upfront before you commit to anything. We have also helped clients replace expensive all-in-one software bundles with better, cheaper alternatives.
What if you cannot beat my current rates?+
We will tell you. If your rates are genuinely competitive, we say so and move on. That has happened. It is rare, but it happens. We would rather be honest than win a client we cannot actually help. That is the whole point of the free audit.
Do you work with businesses outside of a specific industry?+
We work across industries including construction, field services, healthcare, remediation, energy, manufacturing, agencies, and more. If your business accepts card payments and processes meaningful volume, we can almost certainly help. The audit will tell us both whether there is a real opportunity.
Who do I call if something goes wrong?+
Owen. Directly. Not a support queue, not an offshore call center, not a ticketing system. Every Atom client has a direct line to the person who set up their account. That is not a feature we advertise as a gimmick. It is just how we operate.
Free · No Obligation · 20 Minutes
Find Out What You're Really Paying.
Send us your last statement. We'll show you the real number no sales pitch, no pressure.
Accepted Networks & Processing Partners
FISERV
VISA
MASTERCARD
CARD CONNECT
TSYS
FIRST DATA
AMEX
RUN PAYMENTS
WELLS FARGO
INTUIT
PAX
CYBERSOURCE
FISERV
VISA
MASTERCARD
CARD CONNECT
TSYS
FIRST DATA
AMEX
RUN PAYMENTS
WELLS FARGO
INTUIT
PAX
CYBERSOURCE
About Atom
Built Different. By Design.
Atom Payments is a lean, independent ISO. No big corporate structure. No overhead to pass on to clients. Just competitive rates, real transparency, and a partner who actually picks up the phone.
Our Theory
Payment processing is a commodity. The fees are real, the markups are predictable, and most businesses have no idea what they're actually paying.
Big banks and national processors have massive overhead call centers, sales teams, corporate layers. All of that gets passed down to you in the form of inflated rates and fees buried in your statement.
We operate lean on purpose. That's not a limitation it's how we beat everyone's pricing consistently and still deliver better service.
An account that sticks around at fair margins is more valuable than an account that churns. So we're selective about who we work with, and we treat every client like a long-term partner.
How We're Different
We board merchants to Fiserv, Card Connect, and Clover the same networks the big processors use. The difference is we don't mark up the rates on top.
Every client gets a monthly savings review. You always know what you processed, what you paid, and what you saved compared to your old processor.
We don't lock clients into contracts. If we stop delivering value, you can leave. That accountability is what keeps us honest and keeps our clients around.
We're picky about who we work with. We'd rather have 100 great clients than 500 mediocre ones. If we can't genuinely save you money, we'll tell you.
The Person Behind Atom
Meet Owen Molloy
Owen Molloy
Founder, Atom Payments
I started Atom because I kept seeing the same thing: good businesses getting quietly overcharged by their bank or processor, month after month, with no one looking out for them.
Most ISOs are chasing volume. I'm building something different. A small, selective book of clients who I know by name, whose statements I actually read, and who hear from me every single month.
If you work with Atom, you have my direct line. Not a support ticket. Not an offshore call center. Me.
Every recommendation we make, every account we open, every rate we offer. If it's not genuinely in the client's best interest, we don't do it.
02
We only win if you win.
Our model is simple: if we can save you money, we earn your business. If we can't beat your current rates, we'll tell you to stay where you are.
03
Be selective. Work with clients worth keeping.
We don't chase volume for its own sake. The right clients ones who value the relationship and the savings are worth more than a larger book of churned accounts.
04
Transparency is non-negotiable.
No hidden fees. No fine print surprises. No price increases without a conversation. You always know exactly what you're paying and why.
05
Lean by design, not by accident.
Our small team isn't a limitation it's the reason we can offer better rates than processors ten times our size. Less overhead means more savings for you.
After You Sign Up
What Working With Atom Actually Looks Like.
Week 1
Onboarding
Application submitted, account approved, terminal or integration configured. We train your team before you go live. Most clients are processing within 3 to 5 days.
Month 1
First Savings Review
You receive your first monthly breakdown. Fees paid, savings vs. before, card mix, net effective rate, and year-to-date total. Plain language. No decoding required.
Ongoing
Direct Access to Owen
Questions, changes, new locations, new equipment. You have Owen's direct contact. Not a support queue. Most issues are resolved the same day.
Every Month
You Stay Informed
Monthly review, every single month. You always know what you paid, what you saved, and whether your rates are still competitive. No surprises. Ever.
$100M+
In annual transaction volume processed across our client base
Multi-Industry
Clients across construction, energy, services, healthcare, and more
65%
Close rate after statement audit because the savings are real
Free · No Obligation
See What You're Actually Paying.
Send us your last statement and we'll show you exactly where you stand.
Client Results
Real Businesses. Real Savings.
Every business we work with was told they had competitive rates. These are the numbers after we looked at their statements.
Atom Payments helped us secure better processing rates and lower our fees. Owen is always available when we need help or have questions. Atom has been an easy and reliable partner for all of our payment acceptance needs.
Controller · Manufacturing Industry
Not only has Owen and Atom saved our company a ton of money, but he's made it easier than I ever imagined to move the whole company onto a new platform. 10/10!
COO · Industrial Services
Owen and Atom Payments have been great to work with. Onboarding was a quick and seamless process, and Owen has been very responsive with anything that we need. We've saved a significant amount of money each month on fees.
VP · Energy Industry
Atom payments saved my business thousands of dollars. We used to work with our bank for processing and thought they would offer the best rates. We were wrong.
Business Owner · Construction
The onboarding process was so easy. They trained my entire staff on the platform and are always available if I have questions.
Business Owner · Healthcare Services
We saved more than 1% on our credit card processing after changing from our previous provider. The savings add up fast.
Business Owner · Agency
Featured Case Study
Same Network. Better Pricing. $8,000+ Back Every Month.
A regional business had been processing with their bank for years, assuming they had competitive rates. After a free statement audit, they switched to Atom running on the same backend processor network with zero disruption to their workflow. The difference was our pricing. A 50% rate reduction and over $96,000 returned in year one.
50%
Rate reduction achieved
$8,000+
Saved every month
$96K+
Returned in year one
Case Study · Software Replacement
Replaced Their Software Stack. Cut Their Rate. Got Them Paid 4 Days Faster.
A regional remediation business was running their entire backend through an all-in-one software provider. Convenient but expensive. They were paying a 3.42% net effective rate and relying on slow check-based collections. Atom replaced the system, brought their rate down to 2.50%, introduced ACH payments, and eliminated check processing entirely. They now get paid 4 days faster on every invoice.
0.92%
Rate reduction (3.42% → 2.50%)
+4 Days
Faster to payment via ACH
Gone
Check processing fully eliminated
Your Business Could Be Next
Find Out What You're Leaving on the Table
A free 20-minute audit is all it takes. We'll tell you the truth even if the answer is that you're already getting a good deal.
Get Your Free Audit
Let's Look at Your Statement.
Send us your info and last processing statement. We'll come back with a real number what you're paying, what you should be paying, and how much you'd save.
We'll follow up within one business day. No commitment required.
✓
We'll Be In Touch.
Thanks for reaching out. Owen will review your info and follow up within one business day.
We will review your statement, show you exactly what you're paying, and tell you the honest truth even if that means telling you to stay with your current processor. No pressure. No obligation.
