+1 800 892 5707


From payments to capital, from equipment to apps, Tesoro Payments’ is there to make sure your customers enjoy their check-out experience while spending their money with you.  See what we have to offer.

Card Processing

We support the latest point-of-sale equipment on networks that process billions of dollars in credit card transactions each year. No matter your size or industry, we have competitively priced credit card processing solutions to help your business succeed. We process credit/debit card transactions for most industries, including:

  • Auto Rental
  • B2B – Level III
  • E-Commerce (Virtual Terminal, Recurring & Shopping Cart Integration)
  • Grocery
  • Healthcare
  • High Risk (domestic & offshore)
  • Lodging
  • Mail Order/Telephone Order
  • Petroleum/C-Store
  • Professional Services
  • Restaurant
  • Retail

We will be there for you when you need us. Our highly trained, multi-lingual Merchant Services Team is ready to assist you 24 hours a day, 7 days a week. No matter what your need, you can count on us to deliver superior service and support.

** For its credit card processing needs and other key services, Tesoro Payment Solutions’ primary partner is Priority Payment Systems LLC , a registered ISO of Wells Fargo Bank N.A., Concord, N.A. a registered ISO/MSP of Synovus Bank, Columbus, GA and a registered ISO of Citizens Bank, Providence, RI.

Convenience Fee, Surcharge Fee and Cash Discount Programs

A merchant can enjoy accepting debit or credit card payments at zero cost or at reduced rates due to newly available compliant programs whereby the customer incurs all or most of the transaction fees, not the merchant.  Programs include:

  • Convenience Fee:  Available to a limited number of merchant category segments primarily government (tax, fines, courts) entities, and college tuition.  Our service, in real time, passes a lower cost to a customer paying with debit than for credit cards.  As a result, it is a fairer solution over those that offer only a flat rate. Merchant pays no processing fees. Service can be accessed from a virtual terminal, integration, or terminal solution.
  • Surcharge Fee:  Available to most merchants, in all states.  Rule allow a surcharge of no more than 4% on credit transactions, but not on debit transactions.  Our program charges a flat rate to customer on credit cards and a low flat rate and transaction fee to merchant for debit transactions. Cost of card acceptance is dramatically reduced to merchant.  Service can be accessed from a virtual terminal, integration, or terminal solution.
  • Cash Discounting: Available to all merchants, in all states.  Terminal or POS based solution that offers a customer real time discount when paying with cash versus a credit card. Service covers cost of the card fees payed by merchant.

Mobile & Tablet POS

Tesoro Payment Solutions has partnered with designers and developers of the latest mobile and tablet (Apple iOS or Android) systems that streamline daily processes, spanning from sales to accounting, inventory to payroll, thereby allowing you to operate your business with improved efficiency and profitability.  We offer the Clover suite of POS solutions from the industry-leading processor, First Data.


Accept credit cards online securely with our all-inclusive e-commerce solutions!  Why go to multiple companies to get a complete e-commerce solution? We give you everything you need to succeed. There’s no easier way to sell products and services online.

MOTO Virtual Terminal

Mail Order/Telephone Order merchants can easily swipe, insert chip or manually enter and process transactions real-time via the Internet.

Internet Payment Gateways

Are a must-have to integrate with your website and provide secure e-commerce transactions. Programming experience may be required.

Total Package

Complete e-commerce solutions. We offer website designs and custom online storefronts to get started, and we can completely customize the experience to suit everything from brand new businesses all the way to large enterprise business. We will do all of the hard work so that you can enjoy the sales.


We offer advanced equipment to meet the individual demands of your business. From traditional credit card terminals with EMV (chip card reader) and NFC (Apple Pay and other Mobile Wallets) capabilities, to the latest Apple iOS, Android based mobile solutions or “all-in-one” PC based POS, we will provide you with superior equipment from top manufactures. Our reliable equipment options have the latest technology and software that ranges from processing via dial phone line to mobile, wireless and internet connectivity.

Gift and Loyalty Programs

Through card, web and mobile technologies, clients can create their own custom promotions, offer a points-based loyalty program, and communicate to their customers in real time. These programs are designed to:

  • Build brand awareness
  • Create customer loyalty
  • Reduce operational expenses
  • Gain new customers
  • Increases sales

ACH Processing

ACH payment processing allows you to automatically transfer payments to and from your bank account without the hassle of preparing invoices, handling checks, or going to the bank. This internet based service can be used as a one-time billing method or for recurring payments. It is ideal for any other business seeking to electronically invoice and receive customers’ payments. Our solution provides secure, efficient ACH payment processing so that you can focus on other aspects of your business.

Why ACH payment processing?

  • Bill and collect payments from your customers automatically
  • Receive funds within 24 hours
  • Save time by no longer preparing invoices or handling checks
  • Save money by no longer paying for expensive postage to mail your invoices
  • Customers often prefer to have regular payments automatically deducted from their bank accounts

Juan Soto

Founder and CEO

Juan has viewed the industry from many angles and leverages his sales, finance, operations and systems experiences to better serve the merchant community. Juan has held senior sales management and business development positions in different industry verticals including stints at:

  • Fleetcor (fleet card issuer & processor),
  • Planet Payment (dynamic currency conversion processor),
  • Noblett & Associates (payment technology consultancy),
  • Chase Merchant Services & NaBANCO (credit card merchant acquiring), and
  • IVI Checkmate / Ingenico (POS equipment manufacturer).

Free Consultation

Let us talk to you about your needs.  We believe there are dozens of ways Tesoro Payment can help your company sell more and become more profitable.

24 hour Service

Your customers don’t sleep– so neither do we.  Our support staff is available 24/7 to serve your customers.

Ready to get started?

Get in touch with Tesoro Payment Solutions!