Jacksonville, FL · Simple and Secure Payments

Payments, fortified.

Delta Payments is a Jacksonville-based credit card processor built on relationships and best-in-class service. Point-of-sale, eCommerce, and everything in between — with fair pricing, no hidden fees, and simple agreements.

DELTA HQ
Bank of America Tower 50 North Laura Street, Suite 2500
Jacksonville, FL 32202
+1 (904) 222-3080
Next-dayfunding on most accounts
Same-daysetup with the Clover Dashboard
24/7support, setup to troubleshooting
Onelow rate — AMEX & rewards included
What we stand on

Four things, no fine print.

Fair pricing

Consistent low rates across all card types — AMEX and rewards cards included — with pricing you can actually read.

No hidden fees

What we quote is what you pay. No junk line items, no surprise annual fees, no games on the statement.

Simple agreements

Straightforward terms written for business owners, not lawyers. You'll know exactly what you signed.

Outstanding service

A local team that answers the phone. From setup to troubleshooting, we're on it around the clock.

Why merchants switch

The short version.

✓Their old statement had a "rate" — and eleven other fees around it.
✓Their processor's support line was a queue, not a person.
✓Deposits took days. Ours arrive next business day in most cases.
✓Their hardware was locked down. We're technology agnostic.
✓They wanted one local partner, not a call center in another timezone.
FREE

Statement review, on us.

Send one recent statement. We'll decode your real effective rate line by line and show you the number — no obligation, keep the analysis either way.

Payment Solutions

Powering payments anytime, anywhere.

Your customers are ready to buy in-store, online, and on the go. From Clover POS to eCommerce to omni-channel retail, we connect you to everything possible in payments.

IN-STORE

In-Store Payments

Point-of-sale systems and countertop terminals that are secure, fast, and scalable for any size business.

ONLINE

Online Payments

Seamless web and mobile payments with simple integration, powerful management tools, and top-tier security.

TAP

Contactless Payments

Wi-Fi, Bluetooth, and 4G devices let you take payment wherever your customers are — shorter lines, more sales.

INTEGRATED

Integrated Payments

Payment acceptance built into the software you already run. We integrate with many industry-standard platforms.

INSIGHT

Business Intelligence

Payments management and customer engagement tools with powerful reporting and auditing built in.

PROTECT

Risk & Fraud Management

Chargeback tools and risk management services that help protect your business from fraud.

Interactive

Which setup fits your business?

Two questions. We'll sketch the stack — your exact quote comes from a real conversation.

RECOMMENDED STACK

Clover Station Duo + handhelds

    At a glance

    Every solution, side by side.

    SolutionBest forSame-day setupWorks with your software
    In-Store POSCounters, restaurants, retail floors✓✓
    Online PaymentsWeb stores, invoicing, link-to-pay✓✓
    ContactlessLines, events, curbside, delivery✓✓
    IntegratedBusinesses running industry softwareVaries✓
    Business IntelligenceOwners who want the numbers✓✓
    Risk & FraudEvery merchant, built in✓✓
    Industry tool · free

    The Rate Decoder.

    Your effective rate is what you actually pay — total fees divided by total volume — and it is often higher than the rate you were quoted. Enter two numbers from your statement and see where you stand.

    YOU
    3.30%
    DELTA
    2.60%
    You're overpaying by0.70%
    $3,360kept over 1 year
    Monthly savings$280
    Per year$3,360
    Fees today vs. with Delta$1,320 → $1,040

    Estimates based on typical blended rates by business type, AMEX and rewards cards included. Card-not-present rates run higher industry-wide. For an exact quote, send us a statement for a free review.

    How to

    Find your two numbers in 60 seconds.

    STEP 01

    Grab last month's statement

    Paper or PDF from your current processor — the most recent full month.

    STEP 02

    Find the summary box

    Page one, usually top right: "Total Amount Processed" (your volume) and "Total Fees Charged."

    STEP 03

    Enter both above

    Include every fee — monthly, batch, PCI, statement — not just the quoted rate. That's your real number.

    Glossary

    Statement jargon, translated.

    Effective rate
    Total fees ÷ total card volume. The one number that cuts through every pricing model — and the one most statements never print.
    Interchange
    The base cost set by the card networks and issuing banks, passed through on every transaction. It varies by card type — a rewards AMEX costs more than a basic debit card.
    Qualified / mid / non-qualified tiers
    A pricing model that buckets transactions into tiers. The advertised "rate" is usually the best tier — many of your real transactions land in the pricier ones.
    Batch fee
    A small charge every time your terminal settles the day's transactions. Small per day, real money per year.
    PCI compliance fee
    A charge tied to card-data security standards. Legitimate in concept — but often inflated or duplicated. It counts toward your effective rate either way.
    Monthly minimum
    If your processing fees don't hit a floor, you're billed the difference. Slow month? You pay anyway.
    Support

    A real person picks up.

    Setup, troubleshooting, statements, hardware — our Jacksonville team handles it around the clock. Pick your lane:

    CALL

    Call us

    Fastest path for anything urgent — terminals, deposits, day-of issues.

    (904) 222-3080
    VISIT

    Visit HQ

    Bank of America Tower
    50 North Laura St, Suite 2500
    Jacksonville, FL 32202

    AI

    Ask DeltaBot

    Instant answers on rates, Clover, funding, and getting started — any hour.

    Open chat →
    FAQ

    Asked constantly, answered straight.

    How fast will I get my deposits?
    In most cases, we offer next-day funding — your deposits arrive the next business day.
    Will Delta work with the software I already use?
    Probably yes. We're technology agnostic and integrate with many industry-standard software and hardware packages. Ask us about yours.
    How fast can I be up and running?
    With the Clover Dashboard, most businesses are set up the same day — and our team walks you through everything from install to first transaction.
    Are there hidden fees?
    No. Fair pricing, no hidden fees, simple agreements — what we quote is what you pay, across all card types including AMEX and rewards.
    What if I'm locked into another processor?
    Send us a recent statement for a free comparison first. If switching makes sense, we handle the setup and make the move as painless as possible.
    Who do I talk to about signing up?
    Kent handles new merchant setup personally — statement review, Clover Dashboard, and boarding, usually same day. Reach him through the Portal or the form below.
    Get started

    Fair pricing. No hidden fees.
    Simple agreements.

    Send us a recent statement for a free, no-obligation review — or reach us directly at (904) 222-3080. Our focus is building relationships and delivering best-in-class service.

    We respond the same business day.

    Delta Portal

    Sign in.

    Merchants: your volume, transactions, and deposits in real time. Delta team: boarding, residuals, and the support desk. One door, role-checked.

    ✓Passwords are salted and hashed — never stored in plain text.
    ✓Sessions are signed, HttpOnly, and expire after 7 days.
    ✓Employee accounts require a Delta-issued team code.
    Sign in to reach the portal.

    New to Delta? Create your account
    Forgot password? Call (904) 222-3080

    Create account

    Join the Delta Portal.

    Already have an account? Sign in

    K
    Prefer a human? Sign up with KentDelta Payments · Merchant Setup

    Kent handles new merchant setup personally — statement review, Clover Dashboard, and boarding, usually same day. Leave your info and he'll reach out.

    ✓ You're on Kent's list

    He'll reach out shortly — or skip the wait: (904) 222-3080.

    Employee accounts are provisioned with a team code issued by Delta management — part of standard onboarding controls.

    Customer portal

    Welcome back, —.

    Sample data — live processing feed connects at activation
    Today's volume$4,812▲ 12% vs avg
    Transactions63▲ 8
    Average ticket$76.38—
    Next deposit$4,590tomorrow AM

    7-day volume

    Sun
    Mon
    Tue
    Wed
    Thu
    Fri
    Today

    Recent transactions

    Visa ····4821APPROVED2:41 PM$118.40
    Mastercard ····0977APPROVED2:33 PM$42.75
    AMEX ····3005APPROVED2:18 PM$264.00
    Visa ····7712 tapAPPROVED2:02 PM$18.60
    Discover ····5540APPROVED1:47 PM$96.12
    D
    —

    Need anything day-of? (904) 222-3080 — a real person picks up.

    Employee portal

    Everything Delta, one desk.

    Signed in as — · Delta Payments team
    BOARD

    Merchant Boarding

    Start applications, track underwriting status, and push approved merchants to activation.

    OPEN →
    RESID

    Residuals & Commissions

    Monthly residual statements, splits, and commission payout schedules.

    OPEN →
    STMT

    Statement Analyzer

    Upload a prospect's statement and generate the effective-rate comparison for proposals.

    OPEN →
    TICKETS

    Support Desk

    Open merchant tickets, terminal issues, and escalations — queue and history.

    OPEN →
    INV

    Terminal Inventory

    Clover and terminal stock, assignments, and deployment tracking by merchant.

    OPEN →
    LEARN

    Training & Knowledge Base

    Product training, compliance modules, and sales playbooks.

    OPEN →
    SCHED

    Schedule & Time Off

    Shifts, installs calendar, and PTO requests.

    OPEN →
    HR

    HR & Payroll

    Pay stubs, benefits, and company policies.

    OPEN →
    MKTG

    Marketing Assets

    Logos, flyers, signage files, and campaign materials for the field.

    OPEN →