Proficient builds custom gateways, the software around them, and direct banking partner lines — engineered for every merchant type. Standard, software, subscription, and the high-risk accounts most processors decline.
Proficient integrates payment infrastructure, technology procurement, and private finance sourcing into a relationship-driven ecosystem focused on efficiency, compliance, and growth.
Custom payment rates, fees, and gateway technology engineered around each merchant — standard, software, subscription, and the high-risk accounts most processors decline.
See what we build →Strategic innovation and procurement savings through an extensive partner network. We source, evaluate, and integrate the right technology stack for your operation — without the agency markup.
Talk to us →Private funding connections across technology financing, asset-based lending, factoring, and hard money. We match businesses with the capital sources that fit — fast and without the friction of traditional banking.
Explore options →Most ISOs hand a merchant a template and hope it sticks. We engineer the full stack around the transaction — so the deals that get declined elsewhere have somewhere to land.
Purpose-built gateways engineered around each merchant’s flow — not forced into someone else’s template. APIs, hosted checkout, tokenization, the works.
Onboarding, reporting, reconciliation, and risk tooling built to sit alongside the gateway — so the whole operation runs from one place.
Real relationships with banks and sponsors across the risk spectrum. When one door closes, an approval doesn’t dead-end — it routes.
Standard retail, software and SaaS, subscription, and high-risk verticals — placed, underwritten, and supported under one roof.
Run payments under your own name. Proficient builds and operates the gateway, software, and banking lines behind the scenes — your customers see your brand on every checkout page, email, and statement.
Payments architected by ProficientHigh-risk isn’t a category we avoid. It’s one we engineered for.
— Built for hostile environments
You send the relationship. We engineer the approval, build the rails, and keep the merchant live — so your residuals don’t churn three months in.
Direct banking lines and in-house underwriting mean the deals that bounce elsewhere find a home here.
Every merchant gets a system architected to their flow — gateway, software, and reporting — not a generic terminal.
Dedicated partner support, transparent reporting, and a real person on the other end of every escalation.
Bring the merchant others turned away. We’ll architect the processing system that takes them live — and keeps them there.