Most Sacramento businesses overpay on credit card processing and never know it. We show you exactly what you're paying, find the savings, and back it up with a local team that actually picks up the phone.
Expect a call or email within one business day. We'll pull your current rates and show you exactly where you stand - no pressure, just clarity.
Most payment processors are faceless national companies. You pay them month after month - thousands of dollars every year - and in return you get a statement, a 1-800 number, and absolutely zero interest in whether your business actually grows.
We got tired of watching our clients get shortchanged.
SacramentoPay is powered by the team at HM Marketing - a Sacramento full-service agency that has been helping local businesses lower their costs and grow their revenue since 2015. We built SacramentoPay because we kept sitting across the table from business owners who were overpaying their processors and had nothing to show for it.
So we decided to fix that. When you partner with SacramentoPay, you are not just getting a lower rate. You are getting a local team that actually gives back.
See What You Could Save →We audit your current statement, find where you're overpaying, and give you a clear comparison. Most clients save meaningfully - and we show you the math before you commit to anything.
When something goes wrong on a Saturday afternoon, you reach a Sacramento-based person - not a call center queue. We treat our processing clients the same way we treat our marketing clients: like the relationship matters.
Web design, digital advertising, social media, content - if you ever need it, the team behind SacramentoPay does all of it. Most processors offer nothing. We offer everything.
No multi-year contracts. No early termination fees. We earn your business every month or you walk. That is the only arrangement we think is fair.
Most Sacramento business owners have never had someone sit down and walk through their statement line by line. Here's what that conversation usually reveals.
Statement fees, batch fees, PCI compliance fees, non-qualified surcharges - most business owners don't know what they're truly paying until someone lays it out side by side.
Many processors raise rates with a small-print notice buried in a monthly email. Unless you're comparing statements month over month, it's easy to miss - and it adds up fast.
Multi-year agreements with steep early termination fees are standard in this industry. If you signed one, you may be locked in without knowing it. We help you figure out exactly where you stand.
If you accept credit or debit cards in person, online, or over the phone - we can most likely find you savings and give you a better experience than what you have now.
We were paying fees we didn't even know existed. Once someone actually walked us through our statement, switching was a no-brainer - and the fact that they also handle our marketing means we only need one call to get things done.
Most business owners have never had someone explain their processing statement line by line. Our blog breaks it all down - no jargon, no sales pitch.
Your statement is full of fees most owners never question. Here's how to read it line by line - and what to do when the numbers don't add up.
Read the guide →Statement fees, PCI fees, annual fees - some are legitimate, some aren't. We break down which ones you can actually eliminate.
Coming soonLocked into a contract with steep exit fees? Here's how to calculate whether switching still makes sense - and how to negotiate your way out.
Coming soonFree analysis. No pressure. Just your numbers - and a local team ready to help.
Get My Free Rate Analysis →