"Bringing on Atom Payments was one of the easier decisions we've made. Owen took the time to understand our business, found the right payment setup, and we're now saving thousands a month in merchant fees. He provides full transparency on our rates, which is rare in this industry. We are glad to have him as a partner!"
Boutique merchant services
Payment processing, handled properly.
Atom is a boutique merchant services firm. We lower your credit card processing costs, give your team better tools, and review every statement so nothing slips through. Every client who has switched to Atom has saved money.
Trusted by business owners and finance teams
"Owen and Atom saved our company a ton of money. The whole process was easier than I ever imagined. 10/10."
"Owen has been very responsive with anything we need. We've saved a significant amount of money each month on fees and look forward to continuing to do so."
"Thank you for putting our new pay platform together for us and doing so expediently. It really is a nice platform to use and the online portal is wonderful to utilize."
"Owen is always available when we need help or have questions. Atom secured us better processing rates and has been a reliable partner for all of our payment needs."
Before AtomTiered pricing
Qualified rate 1.79%$1,074.00
Non-qualified surcharge$712.40
Regulatory product fee$49.95
PCI non-compliance$39.95
Annual fee (monthly)$99.00
Effective rate3.29%
With AtomIC+ pricing
Interchange, at cost$1,104.00
Card brand fees, at cost$78.00
Fixed markup$186.00
Monthly account fee$10.00
Junk fees$0.00
Effective rate2.30%
Illustrative example on $60,000 in monthly card volume. Your review shows your actual numbers.
Payments handled properly, without adding work to your plate.
We are a small firm on purpose. That is what lets us give every account real attention.
Better pricing
IC+ pricing with one fixed markup and nothing hidden. Our clients see an average drop in fees of more than 30%.
Better service
No call center and no ticket queue. Every client works with Owen directly, which is why we have never lost one.
Better oversight
We review your statements every month and catch rate increases, new fees, and downgrades before they add up.
$1M+Saved for our clients in feesMoney that went to processors and now stays with the businesses we work with.
100%Client retentionEvery client who has switched to Atom is still with us. None have left for another processor.
30%+Average reduction in feesEvery client who has switched to Atom has lowered their processing costs.
Pricing you can verify.
Most processors use tiered pricing that pushes transactions into higher buckets and adds fees with official-sounding names. We use IC+: the card networks' actual cost, plus one fixed markup that never changes without your say.
- No long-term contracts
- No unannounced rate increases
- Every line on your statement explained
Typical processor
- Tiered rates and "non-qualified" surcharges
- PCI, regulatory, and annual fees
- Rate increases announced in a mailer
- Multi-year contract with a cancellation fee
- A call center
Atom Payments
- Interchange at cost plus one fixed markup
- Only fees you agreed to up front
- Your rate stays your rate
- No long-term contract
- A direct line to the owner
A switch your team will barely notice.
The hardest part of changing processors is rarely the pricing. It is the change itself. The people running your front office have a routine that works, and they should not have to learn a new system on their own.
We handle the application, equipment, and configuration, walk your staff through everything, and stay on call through go-live. Day to day, very little changes, except that it gets easier.
- Paperwork, equipment, and setup handled by us
- Hands-on training for your staff
- Direct support through go-live and after
How a switch worksTypical
Statement reviewWe show you what you pay today and what you should pay.
Setup, handled for youApplication, terminals, software, and integrations configured by Atom.
Team walkthroughWe train your staff on site or by video, at their pace.
Go-live supportWe check in through the first weeks and fix anything that comes up.
Watched every month.
Processors raise rates and add fees quietly, and most businesses never notice. We review your statement every month, so if something changes, we catch it and get it reversed.
- Monthly statement reviews
- Rate increases and new fees flagged
- Issues resolved with the processor for you
Statement reviewsExample
SepEffective rate on target2.29%
AugNew "compliance" feeFlagged and refundedFixed
JulEffective rate on target2.31%
JunEffective rate on target2.30%
More than lower rates.
Savings are usually why clients call us. Better tools are why they stay. Every Atom client gets a setup built around how their business actually runs.
Clear reporting
Deposits, fees, and transactions laid out plainly, in reports your bookkeeper will actually use.
Real-time visibility
See transactions, batches, and deposits as they happen, across every location, from one online portal.
Faster collections
Payment links, online invoicing, and cards on file help you get paid sooner with less chasing.
Less manual work
POS and accounting integrations, recurring billing, and fewer spreadsheets for your office to maintain.
Boutique on purpose.
We have never lost a client, and we have never needed to advertise. Our clients come to us by referral.
We are not trying to become a giant processor. We work with businesses where payments run in the background and no one inside has the time or background to watch them. We become that person.
I started Atom after years inside the payments industry, watching well-run companies pay far more than they should because no one would explain their statement to them. Every client has my direct email and phone number.
OMOwen MolloyFounder, Atom Payments
See what you should be paying.
Share a bit about your business and we will review your statement line by line. No cost and no obligation. We take on a limited number of new clients and respond within one business day.
owen@atompayments.co