SOLUTIONS
In-Person Payment Solutions Built Around Your Business
The payment terminal is only one piece of the puzzle.
Monument evaluates your processing costs, payment workflows, hardware requirements, gateway connections, compliance needs, and long-term goals before recommending a solution. We configure the entire payment ecosystem to help your business operate more efficiently, reduce friction, and support future growth.
From countertop terminals to complex multi-location environments, Monument provides consultation, deployment, training, and ongoing support every step of the way.
ETA Certified Payment Professional
Serving Businesses Since 2014
500+ Merchants Served
PCI DSS Compliant
WHAT'S INCLUDED
More Than Just a Credit Card Terminal
Successful payment processing depends on more than the device sitting on your counter.
Behind every transaction is a combination of hardware, processing infrastructure, pricing strategy, compliance requirements, and ongoing support. Monument helps ensure every piece works together to create a reliable, cost-effective payment experience for both your business and your customers.
We evaluate the full payment environment to help reduce processing friction, improve reliability, and support long-term growth.
Support & Compliance
- PCI compliance guidance
- Direct support contact
- Equipment replacement
- Ongoing rate reviews
Terminal & Hardware
- Countertop terminals
- Mobile card readers
- PIN pads & peripherals
- Contactless/NFC acceptance
Rate Structure & Processing
- Interchange-plus pricing
- Cost Reduction Analysis
- Rate optimization
- Next-day funding
Who This Is For
Businesses That Accept Payments Face-to-Face
A retail store, restaurant, contractor, medical office, and manufacturing company all accept payments differently.
The right payment setup depends on far more than accepting credit cards. Transaction volume, average ticket size, customer flow, reporting requirements, integrations, compliance needs, and growth plans all influence which solution makes the most sense.
Monument evaluates these factors before recommending a payment strategy, ensuring your technology supports the way your business actually operates.
Retail Shops
Boutiques
Gift Shops
Specialty Stores
Service Providers
Salons
Auto Repair
Contractors
Automotive
Dealerships
Parts
Service Centers
Restaurants & Cafes
QSR
Fine Dining
Coffee Shops
Professional Services
Clinics
Legal
Consulting
B2B & Industrial
Wholesale
Manufacturing
Distribution
Not Sure Which Payment Setup Is Right For Your Business?
Most business owners do not know which terminal, gateway, pricing structure, or payment workflow best fits their operation, and they shouldn't have to.
Monument evaluates how your business accepts payments, how employees interact with customers, and what your long-term goals are before recommending a solution.
Our job is not to sell hardware. Our job is to help you make the right decision.
FEATURED HARDWARE
Dejavoo P-Series Smart Terminals
Monument deploys the full Dejavoo P-Series lineup - Android-based smart terminals with built-in software, contactless acceptance, and EMV compliance for every business environment.
P1
COUNTERTOP
Full-featured countertop terminal for fixed checkout locations. Ideal for retail and service businesses.
P3
WIRELESS
Wireless terminal for tableside, curbside, or anywhere in your space. No cables required.
P5
MOBILE / PINPAD
Compact mobile terminal and PIN pad for on-the-go payments and as a secondary device.
P8
WIRELESS SMART TERMINAL
Full Android smart terminal with a large display, wireless connectivity, and advanced app support.
HOW IT WORKS
Our 4-Step Process
Full point-of-sale platforms that handle checkout, inventory, reporting, and operations. Monument deploys the system that matches your business type.
01
Statement Review
Send us a recent processing statement. We analyze your current rates, fees, and pricing structure to identify savings opportunities and recommend the best path forward.
02 Solution Design
Based on your business type, transaction volume, and workflow, we recommend the right terminal, gateway, and rate structure. You receive a clear, written proposal before committing.
03
Application & Setup
Monument handles the merchant application, terminal configuration, and gateway setup. We test everything before your go-live date to ensure a seamless transition.
04 Go-Live & Ongoing Support
Your new system goes live with zero downtime. Monument provides ongoing support, rate reviews, and equipment replacement as your business grows.
WHY MONUMENT PAYMENTS
More Than A Payment Processor
Most payment companies focus on selling a terminal and opening a merchant account.
Monument takes a different approach.
We evaluate your pricing, technology, workflows, integrations, compliance requirements, and long-term business goals before making a recommendation. Then we continue supporting and optimizing your payment environment long after installation.
The result is a payment strategy built around your business—not a product quota.
| Feature | Monument Payments | Traditional Processor |
|---|---|---|
| Rate Structure Analysis | ✓ | ｘ |
| Interchange-Plus Pricing | ✓ | ｘ |
| Terminal Configuration | ✓ | ✓ |
| Gateway Setup | ✓ | ｘ |
| PCI Compliance Guidance | ✓ | ｘ |
| Dedicated Support Contact | ✓ | ｘ |
| Annual Rate Reviews | ✓ | ｘ |
| Business Needs Assessment | ✓ | ｘ |
WHAT TO EXPECT
What Working With Monument Looks Like
Before recommending any technology, pricing model, or payment solution, Monument takes time to understand how your business operates, where challenges exist, and what success looks like for your team.
Discovery First
We start by learning about your business, workflows, growth goals, and existing technology before recommending a solution.
Technology Evaluation
We review your current payment setup, software, hardware, pricing structure, and operational needs to identify opportunities for improvement.
Implementation & Training
Our team handles deployment, configuration, testing, and training to ensure a smooth transition with minimal disruption.
Ongoing Partnership
We continue providing support, optimization, and guidance long after installation so your payment environment grows with your business.
Not Sure Where to Start?
Most businesses that contact Monument are not sure exactly what they need. That is normal, and it is exactly what the consultation is for. Monument evaluates your current setup, identifies where friction exists, and recommends the path forward. There is no cost and no obligation.
You can also explore by industry to see how Monument works with businesses like yours, or browse the systems Monument deploys.
COMMON QUESTIONS
Frequently Asked Questions
Questions about how Monument works, what solutions fit your business, and what to expect from the process.
Still have questions?
Monument is happy to walk through your specific situation on a call.
What is interchange-plus pricing and why does it matter?
Interchange-plus is a pricing model where you pay the actual interchange rate (set by Visa, Mastercard, etc.) plus a fixed markup from your processor. It matters because it is the most transparent structure available. You can see exactly what the card networks charge and exactly what your processor adds on top. For most businesses, interchange-plus is the most cost-effective option because you pay lower rates on debit cards and standard credit cards, rather than a single inflated flat rate on everything.
How do I know if I am overpaying for payment processing?
The most common signs are: you are on tiered pricing and do not know your effective rate, your statement shows multiple fee categories you do not understand, you have not had a rate review in more than a year, or you are paying the same rate on debit cards as you are on rewards credit cards. Monument offers a free statement review. Send us a recent processing statement and we will tell you exactly what you are paying and whether there is a better structure available.
What is PCI compliance and do I need it?
PCI DSS (Payment Card Industry Data Security Standard) is a set of security requirements for any business that accepts card payments. Yes, you need it. Non-compliance can result in fines from your processor and increased liability if a data breach occurs. The specific requirements depend on your transaction volume and how you accept payments. Monument helps you understand your compliance level and maintain it.
What is the difference between a terminal and a gateway?
A terminal is a physical device that accepts in-person card payments. A gateway is software that processes payments remotely including virtual terminal (keyed-in transactions), online payments, invoicing, and recurring billing. Many businesses need both: a terminal for in-person transactions and a gateway for remote payments. Monument configures both.
How long does it take to switch payment processors?
Most processor switches take three to five business days once the application is approved. Monument handles the application, terminal configuration, and cutover. There is typically no downtime. Your old processor continues to work until the new setup is live and tested.
Will there be downtime when switching?
No. Monument configures the new terminal and tests it before deactivating the old setup. The switch happens seamlessly. Your business continues accepting payments throughout the transition.
What is next-day funding?
Next-day funding means the money from today's transactions is deposited in your bank account the next business morning. Standard funding is typically two business days. For businesses with cash flow sensitivity, next-day funding can make a meaningful difference. Monument configures next-day funding where available, including for American Express transactions through supported processors.
Can I accept contactless payments?
Yes. All Dejavoo P-Series terminals accept contactless payments including Apple Pay, Google Pay, Samsung Pay, and contactless cards. Contactless acceptance is standard, not an add-on.
What does Monument charge for processing?
Monument's processing rates depend on your business type, transaction volume, and card mix. We do not publish a single rate because the right rate structure varies by business. During the consultation, Monument reviews your current processing volume and recommends the most cost-effective structure. We provide a clear, written breakdown before you commit to anything.
What support does Monument provide after setup?
Monument provides ongoing support for every processing setup we configure. This includes troubleshooting, rate reviews, equipment replacement, and optimization as your business grows. You have a direct contact at Monument, not a generic support queue.
Ready To Find The Right Payment Solution?
Every business is different.
Whether you are evaluating payment processing, upgrading a POS system, exploring dual pricing, or integrating payments into your software, Monument helps you identify the right solution for your operation.
Start with a conversation and we'll help you determine the best path forward.
