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Formerly Converge Capital Group

Helping businesses get paid faster and grow with confidence.

At Converge Commerce, we help businesses streamline payments, improve cash flow, and access growth capital when needed. Our mission is to provide practical solutions that increase efficiency, improve customer payment experiences, and fuel growth.
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Trusted by growing businesses across retail, services, B2B, and professional industries.

Certified partners & integrations

Clover

Square

Cardpointe

QuickBooks

Authorize.net

Our solutions include

One partner for payments, receivables, and capital.

Whether you’re looking to improve collections, reduce payment costs, accelerate cash flow, or secure funding for expansion, Converge Commerce provides solutions designed to support your business at every stage of growth.

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Payment Processing
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Custom Merchant Statement Analysis
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B2B Payments & ACH Solutions
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Accounts Receivable Automation
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Integrated & Embedded Payments

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Invoice Presentment & Bill Payment Solutions
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Text-to-Pay & Pay-by-Link

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Working Capital & Growth Funding
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Multiple Funding Offers
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Strategic Advice As Needed
Modern payment solutions designed for growing businesses

Simplify how you accept, manage, and optimize payments.

With decades of payments industry experience, we provide solutions that improve cash flow, streamline operations, reduce payment friction, and enhance the customer experience. In person, online, through invoices, or recurring billing — we help you implement the right payment technology and pricing strategy to support your growth.

Payments

Accept anywhere. Optimize everywhere.

We don’t simply process payments — we help businesses improve how money moves through their organization, from the counter to the invoice to the bank.

Explore acceptance channels
Growth capital solutions

Funding options when additional capital is needed.

When additional capital is needed, we help businesses explore funding options to support:

  • Acquisitions
  • Equipment Purchases
  • Hiring & Payroll
  • Debt Consolidation
  • Business Expansion
  • Inventory Purchases
  • Marketing Initiatives
  • Seasonal Cash Flow Needs
Apply for capital
Why working capital?

Healthy cash flow is essential to running and growing a successful business.

Working capital can help bridge temporary cash flow gaps, support growth initiatives, and provide flexibility when opportunities arise.

Our revenue-based funding solutions are designed to provide businesses with fast access to capital, flexible qualification requirements, and repayment structures that align with business cash flow.

We also offer traditional lending products, providing business owners with additional financing options tailored to their specific goals, cash flow needs, and growth strategies.

What you’ll need to provide

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Business Name
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Years in Business
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Number of Locations
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Primary Owner(s)
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4 Months Bank Statements
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Industry
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Annual Revenue
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Website
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Use of Proceeds
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Any Prior Bankruptcy
Complete payment acceptance solutions

Accept payments wherever and however your customers prefer.

Card-Present Payments

Accept secure EMV chip, contactless, mobile wallet, and debit card transactions through modern countertop terminals.

Point-of-Sale Payment Solutions

Flexible POS for retail, restaurant, service, and professional practices — from mobile devices to fully integrated systems.

Online & eCommerce Payments

A seamless online payment experience through hosted payment pages, shopping cart integrations, and secure checkout.

Invoice & Accounts Receivable Payments

Accelerate collections with online invoice payments, recurring billing, automated reminders, Text-to-Pay, and Pay-by-Link.

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B2B Payment Solutions

Reduce costs and improve efficiency through Level II and Level III data optimization, ACH payments, and integrated receivables.

Multiple Payment Rails

Access multiple payment rails and processing options without being locked into a single processor.

Payment technology that works with your business

Integrated with the systems you already run.

Our platform integrates with many of today’s leading accounting, ERP, CRM, eCommerce, and business management systems, helping eliminate manual processes and improve visibility into your cash flow.

Real-Time Transaction Reporting

Live visibility into every transaction, deposit, and dispute across all channels.

Virtual Terminal & Mobile Payments

Take payments from any device, anywhere — phone orders, field service, or on the floor.

Hosted Payment Pages & Portals

Branded checkout and customer payment portals your customers can use without a call.

Recurring Billing

Subscriptions and payment plans that keep revenue flowing without manual work.

QuickBooks Integration

Sync payments with the accounting, ERP, CRM, and eCommerce systems you already run.

Tokenization & Fraud Protection

Secure payment tokenization and advanced fraud protection built into every touchpoint.
Our consultative approach focuses on understanding your business goals, evaluating your current payment environment, and recommending solutions that improve efficiency, enhance customer experiences, and strengthen cash flow. The result is a payment strategy designed to support your business today while providing the flexibility to grow tomorrow.

Trusted by professionals

Real businesses. Real results.

“We cut our processing costs by 26% and rolled the savings into additional inventory to support growth.”

Priya S.

COO · Regional retailer

“Text-to-Pay dropped our DSO from 41 days to 12. It paid for the whole platform in the first month.”

Marcus T.

CFO · Professional services firm
“Level II & III optimization plus ACH gave us back six figures a year. Their team just knows what they’re doing.”

Elena R.

Owner · B2B distributor
The Converge Commerce difference

Payments and cash flow are the lifeblood of every business.

That’s why we take a consultative approach, helping clients identify opportunities to improve how they accept payments, manage receivables, and access capital.

By combining modern payment solutions with growth capital resources, Converge Commerce helps businesses improve cash flow, increase operational efficiency, and position themselves for long-term success.

Why businesses choose Converge Commerce
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No Long-Term Contracts
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B2B Level II & III Optimization
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Cash Discount & Dual Pricing Programs
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Fast Funding Options
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Integrated Payment Solutions
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Secure, PCI-Compliant Payment Processing
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Competitive Interchange Plus Pricing
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ACH & Pay-by-Bank Capabilities
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Dedicated Account Management & Support
Getting started

What we’ll need to know from you.

A short discovery conversation gives us everything we need to benchmark your current environment and build a recommendation worth acting on.

Current Payment Environment

  • Current payment processor
  • Length of current agreement
  • Contract expiration date
  • Early termination fee (if applicable)
  • Current monthly processing volume
  • Average transaction size
  • Number of monthly transactions

Payment Types Accepted

  • Credit cards
  • Debit cards
  • ACH / Pay by Bank
  • Recurring payments
  • Mobile payments
  • Digital wallets (Apple Pay, Google Pay)
  • B2B payments
  • BNPL & financing options

Current Pricing

  • We request a minimum of your last 3 merchant processing statements
  • We review: effective processing rate
  • Monthly fees, PCI fees, non-compliance fees
  • Gateway fees and equipment fees
  • Chargeback fees

Payment Acceptance Channels

  • In-store / POS
  • Online / eCommerce
  • Mobile
  • Invoicing
  • Phone orders
  • Recurring billing

Software & Integrations

  • Accounting software
  • ERP
  • Practice management software
  • Field service software
  • eCommerce platform

Accounts Receivable Process

  • How are invoices sent?
  • How are payments collected?
  • Days Sales Outstanding (DSO)
  • Percentage of customers paying electronically?
  • Manual payment posting?
  • Collection challenges?

Pain Points

  • What frustrates you most about your current provider?
  • Are processing fees a concern?
  • Is reconciliation taking too much time?
  • Are customers asking for more payment options?
  • Are you losing sales due to payment friction?
  • Is cash flow inconsistent?

Growth Opportunities

  • Looking to increase customer retention?
  • Need recurring billing or integrated payments?
  • Want to reduce paper checks?
  • Interested in Pay-by-Bank / ACH?
  • Need customer financing?
  • Looking to automate AR?
A conversation, not a pitch

“If you could improve one thing about how money moves through your business today — whether it’s getting paid faster, reducing payment costs, automating collections, or improving cash flow — what would it be?”

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