Success-Focused Finance • Tailored Payment Processing

Elevate your payment processing with Centralized Credit.

Discover excellence in financial solutions with Centralized Credit. Our success-focused approach ensures tailored services to propel you towards your financial goals. Explore a range of services designed for your prosperity.

🔒 PCI-DSS Level 1
🏛️ NACHA Compliant
🛡️ SSAE 16 / SOC 2 Type I & II
100% Live Agent Support
Centralized Transaction Gateway
Live Processing
Batch Volume Cleared (Today)
$3,412,890.00
ACH
Treasury Direct Debit (PPD/CCD)
Next-Day Settlement • Verified
+$64,200.00
VAL
PayVal™ Account Validation
Routing & ID Match Passed
AUTHORIZED
NSF
NSF Returns Auto-Representment
100% Face Value Recovered
+$2,850.00
Our Core Services

Comprehensive Payment & Treasury Solutions

Streamlined financial operations, lower transaction fees, and automated fund recovery.

Validation-Based

PayVal™ Verification

PayVal checks key user details, like Account ID and Last Name, against your records to ensure the balance due is being paid by the correct customer. Transactions that don’t match are automatically blocked.

  • ✔ Authorized payments & identity verification
  • ✔ Real-time routing number authentication
  • ✔ Dramatically reduces fraud and return risks

NSF Returns & Check Recovery

Premier solution for optimizing NSF check and ACH return recovery. Seamlessly convert returns into electronic transactions with automated re-submissions up to two times via ACH.

  • ✔ Up to 80-90% collection rates
  • ✔ High representment limit (up to $5,000)
  • ✔ Full credit for collected items with zero merchant fees

Merchant Services & Pricing

Streamline credit card transactions for efficiency. Offering flexible Cash Discount Programs and Interchange Plus pricing models to lower your overall processing costs.

  • ✔ Cash Discount: Enjoy significant savings by promoting cash payments
  • ✔ Interchange Plus: Transparent clear breakdown of costs
  • ✔ Modern POS terminals, virtual terminals & mobile checkout

ACH & Treasury Management

End-to-end accounts receivable and payable solutions. Remote deposit capture, electronic bill presentment and payment (EBPP), and high-risk ACH processing.

  • ✔ Next-Day ACH clearing & settlement
  • ✔ High-Risk ACH processing guidelines & support
  • ✔ Remote Deposit Capture (RDC) check & remittance scanning
Why Choose Us

Why Businesses Choose Centralized Credit

Dedicated live agent support, transparent rates, and proven financial technology.

📞

Live Agent Support

Benefit from our dedicated support team and live agents—never automated response loops.

Quick & Easy Setup

Quick enrollment and seamless integration into your existing point-of-sale or ERP software.

📊

Online Reporting Tools

24x7 real-time portal access, high-resolution check images, and detailed transaction overviews.

🛡️

Trusted Compliance

PCI-DSS compliance, SSAE 16 certified Type I & II, and state-regulated recovery fee adherence.

Ready to elevate your payment processing?

Contact us today to schedule a live demo or get a free custom pricing quote.