Online & Remote Payments Solutions

When you sign up directly, you get access to the software but you are responsible for configuration, integration, and optimization. When you work with Monument, we evaluate which gateway fits your business, configure it to match your workflow, integrate it with your existing systems, and provide ongoing support. We also have access to preferred pricing through our processor partnerships.

A payment gateway is the software that securely transmits payment information between your business and the payment processor. It handles online transactions, virtual terminal entries, hosted payment pages, and API-based integrations. Think of it as the digital equivalent of a physical card terminal. Monument deploys gateways from iPOSpays and Accept Blue depending on your business needs.

A virtual terminal lets you accept payments by keying in card information through a web browser. No physical hardware is required. It is commonly used by service businesses, professional offices, and B2B companies that take payments over the phone or at a front desk. Monument configures virtual terminals as part of your gateway setup.

Yes. Both iPOSpays and Accept Blue support email and text invoicing. You create an invoice, send it to your customer, and they click a link to pay securely online. This is particularly useful for healthcare practices collecting copays, service businesses billing after completion, and B2B companies managing accounts receivable.

Recurring billing automatically charges a customer on a set schedule: weekly, monthly, quarterly, or custom intervals. It is used by subscription businesses, membership organizations, property management companies, and any business with repeat billing. Monument configures recurring billing through your gateway with proper customer vault security.

ACH processing allows you to accept payments directly from a customer's bank account, bypassing card networks entirely. Processing fees are typically lower than card transactions, making it attractive for high-ticket or recurring payments. Both iPOSpays and Accept Blue support ACH. Monument evaluates whether ACH makes sense for your payment mix.

iPOSpays syncs with QuickBooks Online and other accounting platforms. Accept Blue offers API-based integrations and works with a range of accounting and ERP systems. Monument evaluates your existing software stack during the consultation and configures the integration so payments flow into your books without manual entry.

Level 2 and Level 3 processing provides additional transaction data (tax amounts, line-item details, shipping information) that can qualify B2B transactions for lower interchange rates. Accept Blue supports Level 2 and Level 3 data. If your business processes a significant volume of B2B or government card transactions, this can meaningfully reduce your processing costs.

Most gateway setups are completed within one to two weeks, including merchant account approval, gateway configuration, virtual terminal setup, and any integrations. Monument handles the full process so you do not have to navigate the technical setup yourself.

Both gateways include tokenization (replacing card data with secure tokens), encryption, fraud prevention tools, and PCI-compliant infrastructure. Accept Blue adds additional fraud screening, card updater services, and customer vault security. Monument configures security settings appropriate to your risk profile and transaction volume.

We evaluate your workflow, software requirements, invoicing needs, recurring billing requirements, accounting integrations, and future growth plans before recommending a platform.