Spire Payment Solutions offers a range of credit card processing options for all types of small businesses. No matter how you process your credit card transactions, we have a solution tailor-made for you.

  • Retail
  • Mobile
  • Internet
  • MOTO (Mail Order/Telephone Order)
  • Non-profit


A retail account is defined as one where most transactions are done in person, face-to-face. The merchant is able to swipe the client’s card through a card reader or credit card terminal and obtain the cardholder’s signature. The card information is then sent electronically to the card issuing bank for authorization.

The advantage of a retail account is that it allows the merchant to have access to card processing rates that are much lower than those required for sales that are keyed in manually. Since the card is present, and the merchant is able to swipe the card, transmit the card information electronically, and obtain a signature, the processing bank considers this type of transaction to carry the least amount of liability and thus provides the merchant with lower processing rates.



Mobile processing expands wireless options by adding your smartphone or tablet computer to the list of equipment that can support accepting and processing card payments. By being able to process with a smartphone, the merchant is able to accept credit card payments virtually anywhere without having to carry around an actual terminal. This solution is ideal for any merchant looking to swipe cards in the field without incurring the expense, or bulk, of a traditional wireless terminal.

Mobile accounts qualify for the best discount rates possible since the merchant is able to swipe the card through the terminal and obtain a signature from the customer.



A major concern with selecting your credit card processing option is ensuring PCI compliance. Let Spire Payment Solutions handle this task so you can focus on running your business.

Director of Operations


Internet (also known as e-commerce) processing has become an important part of many companies’ efforts to generate additional revenue. By setting up an internet merchant account, merchants are able to collect payments for goods and services by customers using their credit or debit cards. In addition, a business can also log onto a virtual “online” terminal that allows it to manually key in individual transactions. Allowing customers to pay online ensures that you are always open for business.

Internet accounts are charged a higher discount rate because the credit or debit card is not present at the time of the transaction and the merchant is not able to obtain a signature. The processing bank considers this type of transaction to have a higher level of liability and charges the merchant higher discount rates.


A MOTO (Mail Order/Telephone Order) account is defined as one where most of the transaction is entered into the system manually. The merchant keys the client’s card information into a card terminal or computer-based solution. The card information is sent electronically to the card-issuing bank for authorization without the ability to obtain a cardholder’s signature.

The disadvantage of a MOTO account is that its transactions also carry a higher processing cost


Nonprofit organizations such as schools, churches, and other support organizations often need a merchant account for fundraising events, but do not need it for the remainder of the year. A seasonal account can be open for a one-day event or remain open for several weeks or months. Just as with a seasonal business, this type of account is available when needed and dormant when it is not, keeping costs as low as possible.

Seasonal non-profit accounts qualify for more favorable discount rates due to the organization’s non-profit status. They can be established using any of the previously described small business models. Call us at 503-639-5577 or use the link below to learn more about our non-profit business accounts.