✅ 15+ Years Serving U.S. Merchants
Stop Overpaying for Merchant Payment Processing
Liberty Bancard offers transparent interchange-plus pricing, 0% processing programs, and dedicated human support. We review your actual statement and show you exactly what you're paying — and what you should be paying.
$2B+
Annual processing volume managed
98%
Merchant retention rate
15+
Years in the industry
What We Do Differently
Most processors hide their margins in bundled rates. We don't.
Interchange-Plus Pricing
You see the exact card network cost plus our transparent markup. No bundled rates, no hidden fees — just the truth about what payment processing actually costs.
Free Statement Review
Upload your current statement and we'll analyze every line item. We'll show you exactly what you're paying, why, and how much you'd save. No commitment required.
Liberty Zero™ — 0% Processing
Our Liberty Zero™ program lets qualifying merchants eliminate credit card fees through compliant cash discount and surcharging. Available where permitted by state law and card brand rules.*
Dedicated Account Rep
A real person who knows your business, answers when you call, and helps when something goes wrong. Not a call center, not a ticket system — a dedicated partner.
Next-Day Funding
Qualified merchants receive deposits by the next business day. Keep your cash flow moving without waiting 3-5 days for your own money.*
Free Terminal for Qualifying Merchants
Modern EMV, NFC, and contactless-ready terminals at no cost for qualifying accounts. Own your equipment without lease payments or end-of-term surprises.*
How the Free Statement Review Works
Three steps to knowing exactly what payment processing should cost your business.
1️⃣
Upload Your Statement
Securely upload your most recent processing statement — any processor, any format. Takes 30 seconds.
2️⃣
We Analyze It
Our team reviews every line item and identifies your effective rate, hidden fees, and where you're overpaying.
3️⃣
See Your Savings
You get a clear comparison showing exactly how much you'd save with interchange-plus pricing. Keep the analysis either way.
Industries We Serve
Payment processing built around how your industry actually operates.
🍽 Restaurant
Tip optimization, POS integration, next-day funding. Built for high-volume restaurant operations.
🛍 Retail
Interchange-plus saves retailers on debit cards. Multi-location management, chargeback support.
🏥 Healthcare
PCI-compliant solutions for medical and dental practices. Patient payment plans, clear reporting.
💇 Salon & Spa
Card-on-file for no-shows, tip-optimized processing, software-agnostic integration.
🔧 Auto Repair
High-ticket optimization, fleet card acceptance, fast deposits for parts purchasing.
💼 Professional Services
Virtual terminal, payment links for invoices, retainer billing, variable volume support.
Ready to Stop Overpaying for Payment Processing?
Upload your statement and we'll show you exactly what you're paying and exactly what you should be paying. Takes 30 seconds to start. No commitment required.