Lotus Payment Systems offers a variety of products and services to completely meet all of your processing needs. We have one of the most competitive pricing and highest-quality service programs in the payment processing industry. This includes authorization and processing services as well as on-line industry-specific solutions that will help your business save money and time.

We provide one-on-one business solutions to ensure we deliver the attention and service you deserve and the attention and service we promise. Our properly trained staff will work with you every step of the way.

Feel free to send your statement over to us for a free, no obligation analysis. We will examine your current monthly processing statement and one of our friendly representatives will give you a confidential analysis of what you are currently paying and what Lotus can offer you in savings.

Merchant Accounts

Retail Merchant Account Payment Processing

We provide all types of terminal and POS systems for brick and mortar merchants.

Whether your business is a restaurant, hotel, convenience store or hair salon we have a
program designed specifically for you!

Mail Order/Telephone Order Payment Processing

Our systems allow for mail order and telephone order businesses to save time and money
by streamlining processing and providing technologies for recurring billing.

E-Commerce/Internet Payment Processing

When setting up a Gateway for internet processing we have secure specialized internet
Gateways to handle your needs. We provide Address Verification as well as CVV
verification to ensure a smooth authorization and mitigate costs.

Wireless Payment Processing

For Businesses on the run such we have wireless products to help your business succeed
when you cant be in the office

Lotus Specializes In The Following Industries


We have designed a specific program for the Hospitality industry. The advantage to using Lotus Payment Systems over other processors and banks goes well beyond rates and fees and to our knowledge of the business as well as our commitment to customer service. Below are a few examples of what makes Lotus Payment Systems the premier credit card processing choice for hotels and restaurants throughout the United States.

Lotus Payment Systems’ executive team and managers are made of hoteliers/restaurateurs who still own properties throughout the United States.

In addition, the staff is made up of former front desk managers, controllers and night auditors Our expertise in the hotel/restaurant industry as well as credit card processing help us to better your manage the interchange, lowering the overall costs associated with credit card processing. Our merchants are also assigned a relationship manager specifically for their account that is familiar with the account. No need to dial a 1-800 with a random customer service person. Our relationship managers know the merchants businesses intimately.

Processing Capabilities - The various types of Property Management Systems (PMS) that hoteliers are provided by their franchisors limit the ability by which processors can authorize, settle and capture transactions. For example, the Wyndham Brands (Ramada inn, Days inn, Howard Johnson, Super 8, Travelodge, Wingate Inns) use a few forms of software called, HSS, MSI and Brilliant. All of these systems have credit card modules that are only certified on the Cardnet North platform. The platform is only accessible by a Chase Legacy ISO. It cannot be accessed via First Data, or Paymentech. As a result these companies could not process these transactions. However, Lotus Payment Systems is a legacy ISO and can access this system. Because we are aware of the various and complex platforms in the lodging marketplace we have put ourselves in a position in which we are certified on all platforms for hotel and restaurant PMS and POS. We are certified on: Cardnet, Cardnet North, Nabanco, Nabanco South, Paymentech, First Data Omaha, Nashville, Global, Concord and Visanet (Vital).  Lotus Payment Systems is also a preferred vendor for Shift 4 $ on the Net. This is the software used by Choice Hotels.  


Our retail program is designed for those merchants who accept more than 80% of their credit cards face to face. Our processing and terminals allow you to provide the most state of the art technology to your customers while keeping your costs down. Below are a few features of our retail program:

  • High speed/DSL terminals available. Increases processing speed from 8 seconds to 1 second!
  • Accept both pin based and non-pin based debit cards. These both reduce the costs associated with processing in relation to accepting consumer credit cards. We can provide you with a pin pad to accept pin based debit at your terminal. In most cases this is the most cost effective and most secure type of transaction you can accept. Your pin pad can also be used through your terminal to provide ATM transaction to your customers! No need to purchase a separate ATM
  • Clerk ID’s can be created to match “shift” open and closes between employees



Our Restaurant/Bar program is specifically designed to help lower the overall costs associated with credit card processing. We support virtually every type of restaurant point-of –sale system in the marketplace. In fact, in most cases we can convert the processing at no cost and without interruption. Below are some of the features of our program:

  • Tip line available for restaurants using tips.
  • Our technology can help better qualify transaction that come through as rewards cards at the restaurant location.
  • Our on-line reporting and email alerts help to avoid theft and fraud by notifying the owner/.manager via email when credits occur to the same credit card and when refunds over certain dollar amounts occur.
  • Server ID’s can be used to track when a server opens a tab as well as closes the tab.

Other Services

Merchant Cash Advance

We can provide the cash you need to keep your business growing. Please click on the link
for more information( need Merchant cash Advance Tab

Traditional & Electronic Check Program

Using a proprietary terminal you can accept checks at your business and scan them
through the terminal check imager and hand the check back to the customer as a
canceled check! The monies are electronically transferred to your account. No need to
make a bank deposit!

Gift/Loyalty Card Program

Choose from many of our standard as well as customized Gift and Loyalty Programs. We have a programs that start at just 100 cards. This will help you decide if Gift and Loyalty card are the right fit for your business

The Lotus Advantage

Fast Application Approval
Approval of any type of business including proprietorships and corporations with approval in as quickly as 1 business days.

Dedicated Support
You will be assigned a dedicated account manager who will maintain the relationship and give you one point access for assistance on all issues.

Our Service Promise
Lotus offers customer service that is unparalleled in the industry. A combination of people and technology works continuously to deliver a service package that is convenient, accessible and leading edge.