WELCOME TO PROVIDENT PAYMENTS
As a small business owner, every sale and every second matters. You need a POS system that works for you—not against you.
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Powering Small Business Success with Smart POS Solutions
Meet Provident: Your Trusted POS Partner
Provident Payments goes beyond payment processing—we provide smart, dependable POS systems built specifically for small businesses. Our mission is simple: deliver honest pricing, local support, and reliable tools that help you work faster, serve better, and grow stronger.
We know the challenges small business owners face—tight margins, long hours, and the need for tools that just work. That’s why our POS solutions are intuitive, easy to set up, and tailored to your needs—whether you run a boutique, manage a café, or offer on-site services.
Why Small Businesses Choose Provident
A true partnership focused on your long-term success
Transparent pricing—no hidden fees or surprise rate hikes
Reliable local support backed by a national network
Real guidance from experts who understand your business
Reliable. Transparent. Local.
Why Choose Provident
Payments?
Transparent
Pricing You Can Trust
Our interchange‑plus model ensures you only pay the actual card network cost + fixed margin—no markups, no mystery.
Tailored for Retail
and Restaurants
From quick‑serve checkouts to table‑side payments, our suite of hardware and software meets your unique needs—whether it's EMV, tap‑to‑phone, or QR code.
At Provident Payments, we deliver more than just payment processing—we provide personal service, transparent pricing, and secure technology that grows with your business. Whether you're a startup or an established brand, we’re here to support you every step of the way.
All‑in‑One
Payment Suite
Virtual terminal, hosted payment pages, invoicing, recurring billing, and mobile checkouts—all unified in one clean dashboard.
No Hidden
Fees. Ever.
No contracts, no monthly minimums, no surprise PCI or support charges—ever.
Reliable. Transparent. Local.
Why Choose Provident
Payments?
At Provident Payments, we deliver more than just payment processing—we provide personal service, transparent pricing, and secure technology that grows with your business. Whether you're a startup or an established brand, we’re here to support you every step of the way.
Transparent
Pricing You Can Trust
Our interchange‑plus model ensures you only pay the actual card network cost + fixed margin—no markups, no mystery.
Tailored for Retail
and Restaurants
From quick‑serve checkouts to table‑side payments, our suite of hardware and software meets your unique needs—whether it's EMV, tap‑to‑phone, or QR code.
All‑in‑One
Payment Suite
Virtual terminal, hosted payment pages, invoicing, recurring billing, and mobile checkouts—all unified in one clean dashboard.
No Hidden
Fees. Ever.
No contracts, no monthly minimums, no surprise PCI or support charges—ever.
Get Paid Fast. Anywhere.
No Headaches.
Whether you're at the counter, in the back office, or on the go — our POS System for Small Business makes accepting payments simple, fast, and transparent. Provident Payments gives you more than just tools — we give you peace of mind. With modern payment technology, honest pricing, and personal support, we make it easier to grow your business without surprises.
Get Paid Fast. From
Anywhere. No Headaches.
Whether you’re at the counter, in the back office, or on the go—Provident Payments helps you get paid quickly, easily, and without the hidden fees.
We’re not just local—we’re personal. Our advanced payment technology gives you the tools to grow, while our honest pricing and hands-on support make your experience smooth from day one.
No cancellation fees
Just clear pricing and real results
No leases or long-term contracts
No hidden markups or surprise rate hikes
Who It's Made For
Simple. Secure. Designed for Everyday Business.
Whether you're running a local shop or offering services on the go, our POS System for Small Business helps you serve customers quickly and get paid without hassle. It's fast, secure, and built for businesses that never slow down.
Built for Real-World Business
Reliable Tools for Busy Business Owners
From morning rushes to weekend crowds, our POS System for Small Business is made to keep up. Whether you're behind the counter or on the move, we give you the tools to take payments fast, stay organized, and keep your business running smoothly.
Made for the Everyday Hustle
Smart Solutions for Hands-On Business Owners
Your day moves fast—and so should your point-of-sale system. Our POS System for Small Business gives you everything you need to handle payments, manage sales, and serve customers without slowing down.
Let’s Power Your Business Forward
At Provident Payments, we deliver easy to use, transparent POS solutions built for small businesses. From smart tools to local support, we simplify every transaction so you can spend less time worrying about payments and more time growing your business.
No pressure. Just honest answers and expert advice.
Let’s Power Your Business Forward
At Provident Payments, we deliver easy to use, transparent POS solutions built for small businesses. From smart tools to local support, we simplify every transaction so you can spend less time worrying about payments and more time growing your business.
No pressure. Just honest answers and expert advice.
Meet Your Local
Provident Payments Team
A committed team of professionals who care about your success:
Braison Murgai
Account Executive
Meet Your Local
Provident Payments Team
A committed team of professionals who care about your success:
Small Call to Action Headline
Braison Murgai
Account Executive
Small Call to Action Headline
Real Clients. Real Results.
What client
say about us
What client say about us
I feel so blessed to be working with Provident Payments! They have given amazing rates and saved so much money. I have been really impressed over the past 2 years. Thank you, guys. I appreciate your honesty and integrity with your fixed rates!! 5 stars for sure
I just want to let you know that I very much like having a rep in our area. It's such an ease to my mind to know that I can have a person answer my call quickly and be very helpful- not like the other companies, on hold for a very long time!
Lonnie, who is a local rep for Provident Payments stopped in and did a quick review of my current processing company. He said they could save me money by switching over and he showed me where their percentage rates were far lower than my original company. I agreed to moving over as it was a much better deal, and my rates went down substantially. Owning a small business means saving anywhere you can, and this was a no-brainer for me.
We signed up with Provident Payment about 2 months ago after seeing how much we would save. The signing up process had a few dumps, since we used a 3rd party payment system. Zeph and his team were there every step of the way, making sure everything was handled and informing us of anything that we could expect to come up. He was always available and would get back to me in a timely manner. If I had an emergency, he was right there to help right away. It's been a few weeks now and our system has been running smoothly. We are happy with the service provident payment has given us.
Zephaniah and the team from Provident Payments have provided excellent service to me. He represents his company well by acting with integrity and goes above and beyond to help me deal with unprofessional and unethical charges coming from my old provider. Their technical and people skills are the best I have seen in the merchant services world. They are the real deal when they say they value healthy relationships and local service. I highly recommend them to other merchants.
We signed up with Provident Payment about one year ago and we could not be more pleased with the amount of money we are able to save monthly. They provide excellent customer service. Zephaniah, there local rep is always there when you need him. He is a great asset to his company.
Provident Payments does our processing, and we could not be more impressed. We are so glad we gave Justin and Austin a chance. They saved us over $600 a month and answer us quickly when we call. They have been honest, and the rates have not changed in the 2-3 years they have done business for us. Thanks, guys!!!!!
Everything you need to know, without the jargon.
Frequently Asked Question
How do I accept payments with Provident Payments?
You can accept payments in-store, online, over the phone, or through invoices. Just choose the tools that fit your business—we’ll handle the setup and support.
When do I get my money?
Most payments hit your account in 1–2 business days. Fast, reliable, and no surprises.
Are there hidden fees?
Nope. We use transparent Interchange‑Plus pricing—you see exactly what you’re paying. No hidden fees, no long-term contracts.
Do I need special equipment?
Not at all. You can use our Smart Terminal, go fully virtual with your laptop or phone, or integrate with your current setup. We’ll help you choose what works best.
Can I accept payments on my phone?
Yes! Use our mobile-friendly tools or Smart Terminal on-the-go. Great for pop-up shops, markets, and service calls.
What if I need help?
Our real, human support team is available when you need them. No bots, no long hold times—just straight answers.
How fast can I get started?
Sign up in minutes. We’ll guide you through setup and help you start accepting payments right away.
Is it safe to use Provident Payments?
Yes—very safe. We’re fully PCI-compliant and use end-to-end encryption to protect every transaction. Your business and your customers’ data are always secure.
Secure, transparent processing backed by real local support.
Copyright: © 2025 PROVIDENT PAYMENTS - All Rights Reserved
Secure, transparent processing backed by real local support.