Finally a payment advisor that works for you

Finally a payment advisor that works for you

Start Profiting
From Payments.

Start Profiting
From Payments.

Prospera is not your processor. We're your payment advisor — eliminating unnecessary fees, matching you with the right technology, and putting real money back into your business every single month.

Get Free Audit
Get Free Audit
Talk to an Advisor
Talk to an Advisor

No contracts in most cases

No hidden fees

Built for real businesses

THE REAL PROBLEM

Most Businesses Are Losing Thousands. And Don't Even Know It.

Most Businesses Are Losing Thousands. And Don't Even Know It.

Here's a question worth asking: is your processor working for you — or for themselves? That's where Prospera steps in.

Hidden fees buried in your statement

Hidden PCI, statement, and batch fees reduce margins.

POS systems that don't fit your business

You were sold what the rep had to offer, not what you actually needed.

No real support when something happens

A ticket number isn't support. A chatbot isn't support. When your terminal goes down on a Friday night, you need a real person who picks up the phone.

Rising costs with no explanation

Costs rise, statements get unclear, and you overpay.

And no one is actually watching it for you.

That's where Prospera steps in.

Typical Audit Result

Current Processor

Effective rate + all fees

3.75%

With Prospera

All-in, no surprises

0%

Monthly savings on $200K in volume

Real money back in your business

$6,650

$6,650

See My Real Numbers — Free

Fee Breakdown

Statement Fee

$9.95/mo

PCI Compliance Fee

$19.99/mo

Miscellaneous Tech Fee

$45.00/mo

Monthly Minimum Fee

$25.00/mo

Batch Settlement Fee

$0.25/day

All of the above with Prospera

$0

WHAT MAKES US DIFFERENT

We Are Not Your Processor,
We're Your Payment Advisor.

We Are Not Your Processor,
We're Your Payment Advisor.

Prospera was built for one reason to fix what's broken in payment processing. We don't push one system. We don't lock you into one solution.

Get Free Audit
Get Free Audit

No one-size-fits-all

We work across platforms and pricing models—built business.

Right-fit pricing for your business

We work across platforms and pricing models—built business.

Support that doesn't stop

We work across platforms and pricing models—built business.

Monthly Savings

Compared to previous processor

$3,100/mo

Saved this month

ProsperaNow Cashback

Real cash from your own processing

Estimate only

$250/mo

Processing Fees

3.75% effective*

Optimized

*Total Effective Rate reflects the true all-in cost of accepting payments — including your transaction rate, PCI compliance fees, statement fees, batch fees, hardware and software costs, and any other charges on your processing statement — expressed as a percentage of your total volume. Most businesses only see their base transaction rate. Prospera calculates both. ProsperaNow cashback estimates are based on a sample monthly processing volume of $150,000. Actual rewards may vary based on card usage mix, transaction volume, and other processing factors. Not a guarantee of earnings.

No-Fee

100% of every sale

Same Day

Funding & batch outs

48 hrs

Avg. Time to go live

PROSPERA PAYMENTS VS TRADITIONAL PROCESSORS

The Difference Is Hard To Miss

The Difference Is Hard To Miss

Traditional processors are built to maximize their revenue from your transactions. Prospera is built to maximize yours.

What matters to your business

Traditional Processors

Pricing approach

One-size-fits-all rates, take it or leave it

Tailored to your business model and volume

Fee transparency

Hidden fees buried in confusing statements

Full transparency no junk, no surprises

Processing cost

2–4% per transaction + monthly fees

Lowest possible rate for your business including 0% processing

Contracts

1–3 year contracts with steep exit fees

No contracts in most cases

POS selection

Pushed toward what the rep earns most on

We present options — you choose what fits

Support

Ticket queues, chatbots, and 'your call is important to us’

Real people. Real answers. Real fast.

Cash back / rewards

Never promoted, never shared kept by the processor

Real cash deposited back to your business monthly

Your payments are

A cost center just an expense

A revenue stream payments that pay you

What matters to your business

Traditional Processors

Pricing approach

One-size-fits-all rates, take it or leave it

Tailored to your business model and volume

Fee transparency

Hidden fees buried in confusing statements

Full transparency no junk, no surprises

Processing cost

2–4% per transaction + monthly fees

Lowest possible rate for your business including 0% processing

Contracts

1–3 year contracts with steep exit fees

No contracts in most cases

POS selection

Pushed toward what the rep earns most on

We present options — you choose what fits

Support

Ticket queues, chatbots, and 'your call is important to us’

Real people. Real answers. Real fast.

Cash back / rewards

Never promoted, never shared kept by the processor

Real cash deposited back to your business monthly

Your payments are

A cost center just an expense

A revenue stream payments that pay you

What matters to your business

Traditional Processors

Pricing approach

One-size-fits-all rates, take it or leave it

Tailored to your business model and volume

Fee transparency

Hidden fees buried in confusing statements

Full transparency no junk, no surprises

Processing cost

2–4% per transaction + monthly fees

Lowest possible rate for your business including 0% processing

Contracts

1–3 year contracts with steep exit fees

No contracts in most cases

POS selection

Pushed toward what the rep earns most on

We present options — you choose what fits

Support

Ticket queues, chatbots, and 'your call is important to us’

Real people. Real answers. Real fast.

Cash back / rewards

Never promoted, never shared kept by the processor

Real cash deposited back to your business monthly

Your payments are

A cost center just an expense

A revenue stream payments that pay you

HOW IT WORKS

HOW IT WORKS

A better way to
fix your payments.

A better way to
fix your payments.

A better way to
fix your payments.

From first conversation to fully live — most businesses are running with Prospera within 48 hours.

From first conversation to fully live — most businesses are running with Prospera within 48 hours.

Start the Process
Start the Process

Understand Your Business

We learn what's working, what's not, and what you actually need. We listen more than we talk — because the right solution starts with the right questions.

Audit Your Processing

We break down your statements and uncover the real cost effective rate, hidden fees, and what you're actually paying per transaction. Then we show you the full picture, honestly.

Build the Right Solution

Pricing model, POS, and payment stack tailored to your business — not the easiest thing to sell. Options with contracts and without, so you choose what fits.

Install & Launch With You

On-site setup, staff training, and go-live support. We don't hand you a manual and disappear. We stay until everything runs perfectly.

Stay With You

We monitor, support, and optimize — long after installation. When something comes up, you have a real person to call who already knows your account.

EVERYTHING YOU NEED

Built For How Real Businesses Operate.

Built For How Real Businesses Operate.

From a tap-to-pay app on your phone to a full enterprise POS-Prospera has the right solution for every stage. Advanced technology. Zero complexity.

Technology

Technology

Payments

Payments

Payment Advisory

Payment Advisory

AI-Powered Intelligence

Built-in AI that surfaces your sales patterns, predicts slow periods, flags anomalies, and delivers insights you'd never find manually — before your morning coffee.

AI-Powered Intelligence

Built-in AI that surfaces your sales patterns, predicts slow periods, flags anomalies, and delivers insights you'd never find manually — before your morning coffee.

AI-Powered Intelligence

Built-in AI that surfaces your sales patterns, predicts slow periods, flags anomalies, and delivers insights you'd never find manually — before your morning coffee.

Full POS to Tap-to-Pay

Full countertop systems, tablets, handhelds, or simply an app on your phone. We match hardware to your workflow — not the other way around.

Full POS to Tap-to-Pay

Full countertop systems, tablets, handhelds, or simply an app on your phone. We match hardware to your workflow — not the other way around.

Full POS to Tap-to-Pay

Full countertop systems, tablets, handhelds, or simply an app on your phone. We match hardware to your workflow — not the other way around.

E-Commerce Platform

Fully integrated online storefront, inventory sync, and unified in-store + online reporting. Sell wherever your customers are.

E-Commerce Platform

Fully integrated online storefront, inventory sync, and unified in-store + online reporting. Sell wherever your customers are.

E-Commerce Platform

Fully integrated online storefront, inventory sync, and unified in-store + online reporting. Sell wherever your customers are.

Buy Now, Pay Later

BNPL at your checkout — proven to increase average order value and conversion. Give customers flexibility; watch your revenue grow.

Buy Now, Pay Later

BNPL at your checkout — proven to increase average order value and conversion. Give customers flexibility; watch your revenue grow.

Buy Now, Pay Later

BNPL at your checkout — proven to increase average order value and conversion. Give customers flexibility; watch your revenue grow.

Robust Reporting

From high-level dashboards to granular transaction data. Real-time, customizable, and simple enough that you'll actually use it.

Robust Reporting

From high-level dashboards to granular transaction data. Real-time, customizable, and simple enough that you'll actually use it.

Robust Reporting

From high-level dashboards to granular transaction data. Real-time, customizable, and simple enough that you'll actually use it.

Real Support

Not a chatbot. Not a ticket number. A real person who knows your account — available when you need them, especially when something goes wrong.

Real Support

Not a chatbot. Not a ticket number. A real person who knows your account — available when you need them, especially when something goes wrong.

Real Support

Not a chatbot. Not a ticket number. A real person who knows your account — available when you need them, especially when something goes wrong.

Chip (Dip)

Traditional EMV chip processing. The most secure card-present transaction method available.

Chip (Dip)

Traditional EMV chip processing. The most secure card-present transaction method available.

Chip (Dip)

Traditional EMV chip processing. The most secure card-present transaction method available.

Tap to Pay (NFC)

Contactless payments including Apple Pay, Google Pay, and all NFC-enabled cards. Fast, frictionless, secure.

Tap to Pay (NFC)

Contactless payments including Apple Pay, Google Pay, and all NFC-enabled cards. Fast, frictionless, secure.

Tap to Pay (NFC)

Contactless payments including Apple Pay, Google Pay, and all NFC-enabled cards. Fast, frictionless, secure.

QR Code Payments

Display a QR code anywhere — counter, table, invoice, or text — and get paid instantly.

QR Code Payments

Display a QR code anywhere — counter, table, invoice, or text — and get paid instantly.

QR Code Payments

Display a QR code anywhere — counter, table, invoice, or text — and get paid instantly.

ACH & Bank Transfer

Direct bank-to-bank transfers for large invoices, recurring billing, and B2B payments.

ACH & Bank Transfer

Direct bank-to-bank transfers for large invoices, recurring billing, and B2B payments.

ACH & Bank Transfer

Direct bank-to-bank transfers for large invoices, recurring billing, and B2B payments.

Invoicing & Payment Links

Send a payment link via email or text. Customers pay in one click — no terminal required.

Invoicing & Payment Links

Send a payment link via email or text. Customers pay in one click — no terminal required.

Invoicing & Payment Links

Send a payment link via email or text. Customers pay in one click — no terminal required.

Recurring Billing

Automatic recurring charges for subscription services, memberships, and retainer clients.

Recurring Billing

Automatic recurring charges for subscription services, memberships, and retainer clients.

Recurring Billing

Automatic recurring charges for subscription services, memberships, and retainer clients.

POS Selection

We Do the Research — We listen to your needs and present best-fit options with and without contracts — so you decide.

POS Selection

We Do the Research — We listen to your needs and present best-fit options with and without contracts — so you decide.

POS Selection

We Do the Research — We listen to your needs and present best-fit options with and without contracts — so you decide.

No Contracts in Most Cases

We don't lock you in to prove our value. We earn your business every single month. Stay because it works.

No Contracts in Most Cases

We don't lock you in to prove our value. We earn your business every single month. Stay because it works.

No Contracts in Most Cases

We don't lock you in to prove our value. We earn your business every single month. Stay because it works.

Free Audit

No Obligation — We decode your current processor's statement — every hidden fee, your true effective rate, your real options — at no cost.

Free Audit

No Obligation — We decode your current processor's statement — every hidden fee, your true effective rate, your real options — at no cost.

Free Audit

No Obligation — We decode your current processor's statement — every hidden fee, your true effective rate, your real options — at no cost.

Right-Fit Pricing

0% through cash discounting is available to any business that wants it. But if interchange plus or flat rate works better for you, that's what we'll recommend.

Right-Fit Pricing

0% through cash discounting is available to any business that wants it. But if interchange plus or flat rate works better for you, that's what we'll recommend.

Right-Fit Pricing

0% through cash discounting is available to any business that wants it. But if interchange plus or flat rate works better for you, that's what we'll recommend.

Dedicated Advisor

A real person who knows your account. Not a call center. Not a ticket system. Someone who picks up the phone.

Dedicated Advisor

A real person who knows your account. Not a call center. Not a ticket system. Someone who picks up the phone.

Dedicated Advisor

A real person who knows your account. Not a call center. Not a ticket system. Someone who picks up the phone.

Ongoing Optimization

We review your processing data regularly and proactively flag opportunities to reduce costs or earn more cashback.

Ongoing Optimization

We review your processing data regularly and proactively flag opportunities to reduce costs or earn more cashback.

Ongoing Optimization

We review your processing data regularly and proactively flag opportunities to reduce costs or earn more cashback.

PROSPERANOW PROGRAM

Your processor keeps it.
Prospera gives it back.

Your processor keeps it.
Prospera gives it back.

Based on $150K/month processing volume

Based on $150K/month processing volume

Jan

$312

Feb

$321

Mar

$349

Apr

$358

May

$361

Jun

$312

6-Month Total Cashback

Real cash. Real returns. No strings attached.

Real cash. Real returns. No strings attached.

$2,013

$2,013

"We don't believe businesses should just accept payments. We believe they should profit from them."

The Prospera Philosophy

Because payments shouldn't just be a cost. They should be a revenue stream.

Cash calculated from your actual monthly processing volume the more you process, the more comes back.

Deposited directly. No claiming, no hoops, no portals. It just shows up in your account.

Stacks on top of your optimized processing setup so you're saving on fees and earning cash back at the same time.

Enroll in Prospera Now
Enroll in Prospera Now

Total Effective Rate reflects the true all-in cost of accepting payments — including your transaction rate, PCI compliance fees, statement fees, batch fees, hardware and software costs, and any other charges on your processing statement — expressed as a percentage of your total volume. Most businesses only see their base transaction rate. Prospera calculates both. ProsperaNow cashback estimates are based on a sample monthly processing volume of $150,000. Actual rewards may vary based on card usage mix, transaction volume, and other processing factors. Not a guarantee of earnings.

TECHNOLOGY PARTNERS

Central Florida's premier authorized Square partner

Central Florida's premier authorized Square partner

#1 in Central Florida

Two Names. One Powerful Partnership.

Built for Your Business.

Powered by industry-leading technology.

Powered by industry-leading technology.

Prospera is one of a select few advisory firms in the country authorized to offer Square directly to businesses. That means you get Square's industry-leading technology — set up, configured, and optimized by your local Prospera advisor.

Square Free Pricing

Per tap, dip, or swipe transaction

No monthly fee — only pay when you take a payment

One clear rate — no hidden fees, no surprises

Same-day or next-business-day deposits

Clean, familiar checkout experience

Full Square feature set included

Get started — Square Free pricing →

Get started — Square Free pricing →

0% to your business

Cash Discounting

Offset your processing fees entirely through compliant cash discounting

0% — 4% convenience fee at checkout

Your business pays zero in processing fees

Small convenience fee built into price and displayed at checkout

Legal, compliant, and widely used across the US

Best for businesses eliminating processing costs

Get started — cash discounting →

Square Plus ($49/mo) and Square Premium ($149/mo) plans also available — lower rates for higher volume. Ask your Prospera advisor.

Valor PayTech

Partner

Full-service payment platform — Android POS, dual pricing, virtual terminal, e-commerce.

Clover

POS partner

All-in-one POS hardware and software. Available through Prospera.

Union POS

Hospitality POS partner

Purpose-built for bars, restaurants, high-volume venues. Available through Prospera.

Ingenico

Terminal partner

Enterprise-grade payment terminals. Available through Prospera.

INDUSTRIES WE SERVE

Built For Businesses Like Yours.

Built For Businesses Like Yours.

Wherever you take payments, Prospera has a solution designed around how your business actually runs.

Wherever you take payments, Prospera has a solution designed around how your business actually runs.

Retail

Full POS, inventory sync, BNPL, and unified reporting across all locations.

Multi-Location

Multi-Location

Restaurants & Hospitality

Tableside ordering, split checks, kitchen integrations, and online ordering.

Tableside Pay

Online Ordering

E-Commerce

Integrated storefront, checkout optimization, unified omnichannel reporting.

BNPL Ready

Cart Integration

Health & Wellness

Recurring billing, membership management, LegitScript Certification available

Recurring Billing

Professional Services

Invoicing, ACH transfers, QR-code payment links.

QR Invoicing

ACH Transfers

Automotive

Full terminal, tap-to-pay, large-ticket financing,
fast batch outs

Large Ticket

Fast Funding

Multi-Location

One dashboard for unified management and reporting across all locations.

Unified Reporting

Dashboard

Emerging & Mobile Businesses

Full payment power for mobile businesses via a single smartphone app.

Phone-Based

No Hardware

High Risk & Specialized

If your business has been turned away, overcharged, or locked into restrictive contracts — Prospera finds the right solution

Coaching & Development

Streamlined billing and checkout for coaches and consultants.

Recurring Billing

Payment Links

PAYMENT FLEXIBILITY

Every Way To Pay.

Every Way To Pay.

Never turn down a sale because you can't take a certain payment type. Prospera accepts every form of payment, instantly and securely.

Chip (Dip)

Tap to Pay

Magnetic Swipe

QR Code

App-Based Pay

Apple Pay

Google Pay

Bank Transfer

Pay Later

Invoicing Links

E-commerce

Recurring Billing

TREASURY & BANKING SOLUTIONS

TREASURY & BANKING SOLUTIONS

Payments And Banking —
Advised And Built By Prospera.

Payments And Banking —
Advised And Built By Prospera.

Business Checking & Savings

Business accounts built for merchants — integrated directly with your payment processing so your sales revenue flows in without the friction of a traditional bank.

Fintech Network

Instant Access to Funds

Stop waiting days for your money. With integrated banking and processing, your settled funds are available when your business needs them — not on a bank's schedule.

Same-day liquidity

Send & Receive Payments

Pay vendors, contractors, and suppliers directly from your business account — with the same speed and low cost your customers experience when they pay you.

ACH · Wire · Instant

Send & Receive Payments

Pay vendors, contractors, and suppliers directly from your business account — with the same speed and low cost your customers experience when they pay you.

ACH · Wire · Instant

Cash Flow Management

Real-time visibility into your inflows and outflows across payment and banking accounts. Know exactly where your business stands — every day, not just at month-end.

Real-time dashboard

Working Capital

Access capital based on your actual processing history — not a credit score alone. When your business needs to invest in growth, your payment track record works in your favor.

Fintech Network

Payment & Treasury Advisory

Not sure which setup fits your volume and business model? Prospera evaluates your full financial picture and recommends the banking structure that actually works for how you operate.

Prospera Advisory

Payment & Treasury Advisory

Not sure which setup fits your volume and business model? Prospera evaluates your full financial picture and recommends the banking structure that actually works for how you operate.

Prospera Advisory

Most businesses treat payments and banking as two separate problems. Prospera connects them — advising on the right setup and giving you direct access through our fintech network, so your money moves as fast as your business does.

REAL BUSINESS OWNERS

What Business Owners
Say After Switching.

What Business Owners
Say After Switching.

“What I love most is the responsiveness whenever I have a question or run into an issue, I can always reach someone in the office and it gets resolved right away. Making the switch to their cash discounting partners and the NOWrewards program has been one of the best business decisions I’ve made. The savings speak for themselves.”

Beri

MedSpa Owner

Cash discounting + NOWrewards

“What I love most is the responsiveness whenever I have a question or run into an issue, I can always reach someone in the office and it gets resolved right away. Making the switch to their cash discounting partners and the NOWrewards program has been one of the best business decisions I’ve made. The savings speak for themselves.”

Beri

MedSpa Owner

Cash discounting + NOWrewards

“What I love most is the responsiveness whenever I have a question or run into an issue, I can always reach someone in the office and it gets resolved right away. Making the switch to their cash discounting partners and the NOWrewards program has been one of the best business decisions I’ve made. The savings speak for themselves.”

Beri

MedSpa Owner

Cash discounting + NOWrewards

Prospera has been an incredible partner for our business. The Valor VP 800 terminal performs flawlessly — even during our busiest rushes, it just works. But what really sets them apart is the people. They’re on-site for every store opening, and any time my team or I call with a question, someone picks up and helps right away. That’s not something you get...

Thiago

Amazon Bin Store

Thousands saved annually

Prospera has been an incredible partner for our business. The Valor VP 800 terminal performs flawlessly — even during our busiest rushes, it just works. But what really sets them apart is the people. They’re on-site for every store opening, and any time my team or I call with a question, someone picks up and helps right away. That’s not something you get...

Thiago

Amazon Bin Store

Thousands saved annually

Prospera has been an incredible partner for our business. The Valor VP 800 terminal performs flawlessly — even during our busiest rushes, it just works. But what really sets them apart is the people. They’re on-site for every store opening, and any time my team or I call with a question, someone picks up and helps right away. That’s not something you get...

Thiago

Amazon Bin Store

Thousands saved annually

“Before signing on with Prospera, we were paying a ton in fees on every single transaction — it really added up. Prospera took the time to educate us on dual pricing, and since making the switch, it’s not only saved us money but the whole process is completely frictionless. We’re so grateful to be putting that money back into our barbershops instead of handing...

Diego

Barber Shop Owner

Dual pricing — zero processing fees

“Before signing on with Prospera, we were paying a ton in fees on every single transaction — it really added up. Prospera took the time to educate us on dual pricing, and since making the switch, it’s not only saved us money but the whole process is completely frictionless. We’re so grateful to be putting that money back into our barbershops instead of handing...

Diego

Barber Shop Owner

Dual pricing — zero processing fees

“Before signing on with Prospera, we were paying a ton in fees on every single transaction — it really added up. Prospera took the time to educate us on dual pricing, and since making the switch, it’s not only saved us money but the whole process is completely frictionless. We’re so grateful to be putting that money back into our barbershops instead of handing...

Diego

Barber Shop Owner

Dual pricing — zero processing fees

“We run both a repair shop and a used car dealer, so payments are a big part of our everyday business. Prospera simplified everything for us — better rates, better equipment, and real support whenever we need it. It’s one of the few vendor decisions we’ve made that immediately improved our bottom line.”

Oscar

Used Car Dealer & Auto Repair Shop Owner

Better rates + equipment

“We run both a repair shop and a used car dealer, so payments are a big part of our everyday business. Prospera simplified everything for us — better rates, better equipment, and real support whenever we need it. It’s one of the few vendor decisions we’ve made that immediately improved our bottom line.”

Oscar

Used Car Dealer & Auto Repair Shop Owner

Better rates + equipment

“We run both a repair shop and a used car dealer, so payments are a big part of our everyday business. Prospera simplified everything for us — better rates, better equipment, and real support whenever we need it. It’s one of the few vendor decisions we’ve made that immediately improved our bottom line.”

Oscar

Used Car Dealer & Auto Repair Shop Owner

Better rates + equipment

“Prospera has been there for our business whenever we’ve needed them — no waiting, no runaround. Their tap-to-pay terminal has made taking payments incredibly simple for our team and our customers. We truly couldn’t be happier.”

Evelyn

Electronics Store Owner

Tap-to-pay · Real support

“Prospera has been there for our business whenever we’ve needed them — no waiting, no runaround. Their tap-to-pay terminal has made taking payments incredibly simple for our team and our customers. We truly couldn’t be happier.”

Evelyn

Electronics Store Owner

Tap-to-pay · Real support

“Prospera has been there for our business whenever we’ve needed them — no waiting, no runaround. Their tap-to-pay terminal has made taking payments incredibly simple for our team and our customers. We truly couldn’t be happier.”

Evelyn

Electronics Store Owner

Tap-to-pay · Real support

“We were dealing with several fund holds through Stripe, and it was creating serious cash flow issues for our telehealth business. In our industry, consistency in payments is critical — and the unpredictability was becoming a real problem. Prospera stepped in, took the time to truly understand...

David

Telehealth Weight Loss E-commerce

Migrated from Stripe · Lower rate

“We were dealing with several fund holds through Stripe, and it was creating serious cash flow issues for our telehealth business. In our industry, consistency in payments is critical — and the unpredictability was becoming a real problem. Prospera stepped in, took the time to truly understand...

David

Telehealth Weight Loss E-commerce

Migrated from Stripe · Lower rate

“We were dealing with several fund holds through Stripe, and it was creating serious cash flow issues for our telehealth business. In our industry, consistency in payments is critical — and the unpredictability was becoming a real problem. Prospera stepped in, took the time to truly understand...

David

Telehealth Weight Loss E-commerce

Migrated from Stripe · Lower rate

“Before switching, Stripe suddenly started holding reserves on us without any warning, and on top of that, their customer service was nearly non-existent. Prospera has been the complete opposite. They’re attentive the moment a question comes up, they lowered our rate — saving my business real money....

Frank

Online Travel Agency Owner

NOWrewards · Migrated from Stripe

“Before switching, Stripe suddenly started holding reserves on us without any warning, and on top of that, their customer service was nearly non-existent. Prospera has been the complete opposite. They’re attentive the moment a question comes up, they lowered our rate — saving my business real money....

Frank

Online Travel Agency Owner

NOWrewards · Migrated from Stripe

“Before switching, Stripe suddenly started holding reserves on us without any warning, and on top of that, their customer service was nearly non-existent. Prospera has been the complete opposite. They’re attentive the moment a question comes up, they lowered our rate — saving my business real money....

Frank

Online Travel Agency Owner

NOWrewards · Migrated from Stripe

“From day one signing up with Prospera, they’ve treated our business like it matters. They took the time to survey our needs, wants, and every one of our locations — from our small mall kiosks all the way to our outlet store — and set us up with exactly what works for each one. Hands down the best payment company around.”

Diego

Sports Apparel Store Owner

Multi-location setup

“From day one signing up with Prospera, they’ve treated our business like it matters. They took the time to survey our needs, wants, and every one of our locations — from our small mall kiosks all the way to our outlet store — and set us up with exactly what works for each one. Hands down the best payment company around.”

Diego

Sports Apparel Store Owner

Multi-location setup

“From day one signing up with Prospera, they’ve treated our business like it matters. They took the time to survey our needs, wants, and every one of our locations — from our small mall kiosks all the way to our outlet store — and set us up with exactly what works for each one. Hands down the best payment company around.”

Diego

Sports Apparel Store Owner

Multi-location setup

PROUDLY SERVING

Central Florida born.
Florida strong. 


Nationwide.

Central Florida born.
Florida strong. 


Nationwide.

We started here — in the heart of Central Florida — because we believe businesses deserve a payment advisor who actually knows their community. That same commitment now extends statewide and across the country through our growing network of Prospera advisors.

Our roots are Central Florida. Our reach is nationwide. And whether you're around the corner or across the country, the experience is the same: a real advisor who knows your market, operates with zero pressure, and picks up the phone when you call.

Get Free Audit
Get Free Audit

Our Home — Greater Central Florida

Our Home — Greater Central Florida

Winter Garden

Winter Garden

Windermere

Windermere

Orlando

Orlando

Kissimmee

Kissimmee

Ocala

Ocala

The Villages

The Villages

Melbourne

Melbourne

Lakeland

Lakeland

Daytona Beach

Daytona Beach

Serving All of Florida

Serving All of Florida

Jacksonville

Jacksonville

Miami

Miami

Tampa

Tampa

Sarasota

Sarasota

Fort Lauderdale

Fort Lauderdale

St. Petersburg

St. Petersburg

Gainesville

Gainesville

Tallahassee

Tallahassee

Naples

Naples

Boca Raton

Boca Raton

Prospera also serves multi-location businesses throughout the Southeast USA

FREE BUSINESS AUDIT

Let Us Show You
What You're Really Paying.

Let Us Show You
What You're Really Paying.

Based on $200K monthly processing volume. Your actual savings calculated from your own statement.

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Share your last statement

Send us your most recent processing statement no login or setup required.

We decode every line

Our advisors break down every fee, markup, and hidden charge line by line.

You see the real picture

Receive a clear, no-obligation savings report showing exactly what you could keep.

Audit Result Card

Current Processor

Effective rate + all fees

3.75%

With Prospera

All-in, no surprises

0%

$200K in Volume

Monthly savings

$6,650

COMMON QUESTIONS

You Have Questions.
We Have Answers.

You Have Questions.
We Have Answers.

Is 0% processing available to my business?

Yes — cash discounting and dual pricing are available to any business that wants them. The better question is whether it's the right fit for how your business operates and how your customers pay. Some businesses love it; others prefer a different pricing model like interchange plus or flat rate. Our job is to walk you through the options honestly and help you decide what makes the most sense — not push one solution on everyone.

Is the free audit really free. What's the catch?

It's genuinely free — no hidden fees, no commitment, no pressure. We do the audit because we're confident in what it reveals. If you decide to stay with your current processor after seeing the numbers, that's your call. We just want you to make it with the full picture in front of you.

Do I need a new POS system to switch?

Not necessarily. If you're happy with your current POS hardware, we'll tell you upfront whether we can integrate with it. If you're looking to upgrade, we present multiple options — with contracts and without — so you choose what actually fits your business and budget.

What if I’m locked into a contract with my current processor?

We'll help you understand your situation — termination fees, timing, your options. In many cases, the savings from switching outweigh any exit cost. We'll walk through the math with you honestly. And when you move to Prospera, there are no contracts — so you'll never be in this position again.

How fast can we switch?

Most businesses are fully live within 24 to 48 hours. We handle setup, configuration, and staff training — and we stay with you through go-live to make sure everything runs smoothly from day one.

What is the ProsperaNow cashback program?

ProsperaNow returns real cash to your business every month, calculated from your processing volume. Not points. Not credits. Actual money deposited back to you — regardless of which pricing model you're on. The more you process, the more comes back. No processor we've encountered actively promotes anything like this, because most keep that value for themselves.

What industries do you serve?

Retail, restaurants and hospitality, e-commerce, health and wellness, professional services, automotive, multi-location businesses, and mobile or emerging businesses. If you take payments, we have a solution built around how your specific business runs.

What payment types do you support?

Every major method: chip (dip), tap to pay (NFC/contactless), swipe, QR code, Apple Pay, Google Pay, ACH bank transfers, Buy Now Pay Later, online checkout, invoicing payment links, and recurring billing. If a customer can pay with it, you can accept it.

How does same-day funding work?

Depending on your plan and bank, funds from batch settlements can be deposited the same day or next business day. No more waiting 2–3 days to access revenue you already earned. We'll clarify the exact timeline for your situation during onboarding.

What kind of support does Prospera offer?

You get a dedicated advisor — a real person who knows your account. Not a call center. Not a chatbot. Not a ticket number. When something comes up, you have someone to call who already understands your business and picks up the phone.

Is 0% processing available to my business?

Yes — cash discounting and dual pricing are available to any business that wants them. The better question is whether it's the right fit for how your business operates and how your customers pay. Some businesses love it; others prefer a different pricing model like interchange plus or flat rate. Our job is to walk you through the options honestly and help you decide what makes the most sense — not push one solution on everyone.

Is the free audit really free. What's the catch?

It's genuinely free — no hidden fees, no commitment, no pressure. We do the audit because we're confident in what it reveals. If you decide to stay with your current processor after seeing the numbers, that's your call. We just want you to make it with the full picture in front of you.

Do I need a new POS system to switch?

Not necessarily. If you're happy with your current POS hardware, we'll tell you upfront whether we can integrate with it. If you're looking to upgrade, we present multiple options — with contracts and without — so you choose what actually fits your business and budget.

What if I’m locked into a contract with my current processor?

We'll help you understand your situation — termination fees, timing, your options. In many cases, the savings from switching outweigh any exit cost. We'll walk through the math with you honestly. And when you move to Prospera, there are no contracts — so you'll never be in this position again.

How fast can we switch?

Most businesses are fully live within 24 to 48 hours. We handle setup, configuration, and staff training — and we stay with you through go-live to make sure everything runs smoothly from day one.

What is the ProsperaNow cashback program?

ProsperaNow returns real cash to your business every month, calculated from your processing volume. Not points. Not credits. Actual money deposited back to you — regardless of which pricing model you're on. The more you process, the more comes back. No processor we've encountered actively promotes anything like this, because most keep that value for themselves.

What industries do you serve?

Retail, restaurants and hospitality, e-commerce, health and wellness, professional services, automotive, multi-location businesses, and mobile or emerging businesses. If you take payments, we have a solution built around how your specific business runs.

What payment types do you support?

Every major method: chip (dip), tap to pay (NFC/contactless), swipe, QR code, Apple Pay, Google Pay, ACH bank transfers, Buy Now Pay Later, online checkout, invoicing payment links, and recurring billing. If a customer can pay with it, you can accept it.

How does same-day funding work?

Depending on your plan and bank, funds from batch settlements can be deposited the same day or next business day. No more waiting 2–3 days to access revenue you already earned. We'll clarify the exact timeline for your situation during onboarding.

What kind of support does Prospera offer?

You get a dedicated advisor — a real person who knows your account. Not a call center. Not a chatbot. Not a ticket number. When something comes up, you have someone to call who already understands your business and picks up the phone.

Is 0% processing available to my business?

Yes — cash discounting and dual pricing are available to any business that wants them. The better question is whether it's the right fit for how your business operates and how your customers pay. Some businesses love it; others prefer a different pricing model like interchange plus or flat rate. Our job is to walk you through the options honestly and help you decide what makes the most sense — not push one solution on everyone.

Is the free audit really free. What's the catch?

It's genuinely free — no hidden fees, no commitment, no pressure. We do the audit because we're confident in what it reveals. If you decide to stay with your current processor after seeing the numbers, that's your call. We just want you to make it with the full picture in front of you.

Do I need a new POS system to switch?

Not necessarily. If you're happy with your current POS hardware, we'll tell you upfront whether we can integrate with it. If you're looking to upgrade, we present multiple options — with contracts and without — so you choose what actually fits your business and budget.

What if I’m locked into a contract with my current processor?

We'll help you understand your situation — termination fees, timing, your options. In many cases, the savings from switching outweigh any exit cost. We'll walk through the math with you honestly. And when you move to Prospera, there are no contracts — so you'll never be in this position again.

How fast can we switch?

Most businesses are fully live within 24 to 48 hours. We handle setup, configuration, and staff training — and we stay with you through go-live to make sure everything runs smoothly from day one.

What is the ProsperaNow cashback program?

ProsperaNow returns real cash to your business every month, calculated from your processing volume. Not points. Not credits. Actual money deposited back to you — regardless of which pricing model you're on. The more you process, the more comes back. No processor we've encountered actively promotes anything like this, because most keep that value for themselves.

What industries do you serve?

Retail, restaurants and hospitality, e-commerce, health and wellness, professional services, automotive, multi-location businesses, and mobile or emerging businesses. If you take payments, we have a solution built around how your specific business runs.

What payment types do you support?

Every major method: chip (dip), tap to pay (NFC/contactless), swipe, QR code, Apple Pay, Google Pay, ACH bank transfers, Buy Now Pay Later, online checkout, invoicing payment links, and recurring billing. If a customer can pay with it, you can accept it.

How does same-day funding work?

Depending on your plan and bank, funds from batch settlements can be deposited the same day or next business day. No more waiting 2–3 days to access revenue you already earned. We'll clarify the exact timeline for your situation during onboarding.

What kind of support does Prospera offer?

You get a dedicated advisor — a real person who knows your account. Not a call center. Not a chatbot. Not a ticket number. When something comes up, you have someone to call who already understands your business and picks up the phone.

Stop Processing.
Start Partnering.

Stop Processing.
Start Partnering.

Get a fast, honest, and obligation-free breakdown. Discover the truth about what you're actually paying no surprises, just clarity.

"We don't believe businesses should just accept payments. We believe they should profit from them."

The Prospera Philosophy

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Request Free Audit
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What Are Your Payments
Really Costing You?

What Are Your Payments
Really Costing You?

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Real specialists, no scripts. Average reply time: under 4 hours.

Phone

(877) 217-7677

Email

hello@prosperapayments.com

Response Time

Within 1 business day

Service hours

24/7 platform support

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