WELCOME TO PROVIDENT PAYMENTS
A POS System That Makes Business Easy
Powerful Clover POS solutions that help you take payments, manage inventory, grow your customer base, and lead your team—all from one simple platform.
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Protecting Every Transaction
Meet Provident: Your Local Payments Partner
Provident Payments is more than just a payment processor. We are a trusted partner committed to helping small and mid-sized businesses thrive by providing reliable payment solutions, simple pricing, and hands-on local support. Our mission is to make payment processing straightforward, honest, and centered around your success.
We understand the unique challenges faced by growing businesses. That is why we offer advanced point-of-sale systems, easy-to-understand pricing structures, and personalized service tailored to your business goals. Whether you run a storefront, manage a restaurant, or operate a service-based business, Provident Payments gives you the tools and guidance to streamline your operations and improve your bottom line.
What You Can Expect with Provident
A genuine partnership that values your long-term success
Straightforward and transparent pricing without hidden fees
Local service with the strength of a national network
Expert advice from professionals who care about your results
Reliable. Transparent. Local.
Why Choose Provident
Payments?
No Leasing Contracts
Your rate stays the same for life—no surprise hikes, guaranteed.
No Rate Increases—Ever
You're never locked in—use our service on your terms, without binding agreements.
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.
Let’s Grow Your Business Together
Get personalized help from real people in your community who understand your needs.
100% Transparent
Pricing
Know exactly what you're paying—no hidden fees, just clear, honest pricing.
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.
Let’s Grow Your Business Together
Get personalized help from real people in your community who understand your needs.
100% Transparent
Pricing
Know exactly what you're paying—no hidden fees, just clear, honest pricing.
No Leasing Contracts
Your rate stays the same for life—no surprise hikes, guaranteed.
No Rate Increases—Ever
You're never locked in—use our service on your terms, without binding agreements.
Get paid fast from anywhere
We are local. Our service and support is superior. Our technology is the most advanced on the market and is quickly distancing itself from the competition. Provident has never increased merchants rates. We save our merchants money. We do not have cancellation, lease, or early termination fees. We make money when our clients make money. We grow when our clients grow. We work hard to have a strong, long-lasting relationship with every single one of our clients.
Get paid fast from anywhere
We are local. Our service and support is superior. Our technology is the most advanced on the market and is quickly distancing itself from the competition. Provident has never increased merchants rates. We save our merchants money. We do not have cancellation, lease, or early termination fees. We make money when our clients make money. We grow when our clients grow. We work hard to have a strong, long-lasting relationship with every single one of our clients.
Transparent Interchange Plus Pricing
Lower Fees,
No Surprises
We don’t play games with your money. Our Interchange Plus pricing model ensures that you pay only what’s fair—no inflated markups, hidden fees, or rate hikes. Want to see how much you can save? Let's talk.
Local, Reliable, Human
Personal
Customer Service
Say goodbye to long holds and outsourced support. With Provident, you receive a dedicated local relationship manager for the life of your account. Quick responses, personal connections, and solutions tailored to your business.
Protecting Every Transaction
Secure Processing
You Can Trust
Your customer data deserves world-class protection. Our PCI-Certified, Point-to-Point Encryption (P2PE) technology encrypts and tokenizes cardholder information in real time, ensuring complete peace of mind.
We Help You to Skill Up
Let's talk about opportunities.
Let’s Grow Your Business Together
eady to simplify your payment processing and work with a team that puts your business first? Provident Payments is here to
provide you with reliable solutions, local support, and transparent pricing you can trust.
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!!!!!
Where Payments Meet Partnership
Frequently Asked Question
What services does Provident Payments offer?
Provident Payments provides secure and reliable payment processing solutions for small to mid-sized businesses. Our services include point-of-sale (POS) systems, credit and debit card processing, mobile payments, eCommerce integrations, and merchant account support—all backed by exceptional local customer service.
How is Provident Payments different from other providers?
Unlike many national processors, Provident Payments is locally focused and customer-driven. We offer transparent pricing with no hidden fees, responsive customer support, and personalized solutions that help your business grow—not just process payments.
What types of businesses do you work with?
We serve a wide range of industries including retail, restaurants, service-based businesses, healthcare, salons, and eCommerce. Whether you're a small shop or a growing enterprise, our solutions are scalable to meet your needs.
How long does it take to get set up with Provident Payments?
Most businesses can be up and running within 24 to 48 hours. We handle the onboarding process quickly and efficiently, with full guidance from our local support team to ensure a smooth setup.
Secure, transparent processing backed by real local support.
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Secure, transparent processing backed by real local support.