LimnPay is a payment solutions company based in Birmingham, Michigan, serving businesses across the country. We set up and manage merchant accounts and payment processing services tailored to each client.
We're not locked into a single processor or product. We partner with multiple payment networks and hardware providers, which means we can genuinely shop for the best solution for your specific business — not just push whatever earns us the highest commission.
Our team combines deep payment industry expertise with a commitment to honest, personalized service. We believe small and mid-sized businesses deserve the same quality of payment infrastructure as enterprise companies — without the enterprise complexity or price tag.
Every quote is itemized. Every fee is explained. We don't believe in fine print — you should know exactly what you're paying and why.
We work for you, not the processor. We have the flexibility to shop multiple providers and find the best fit for your business.
From initial setup to ongoing support, you have a dedicated account manager who knows your business and is available when you need them.
Whether you're processing $10K or $500K per month, our solutions scale with your business. We proactively review your account to ensure you're always on the best program.
Accepted Card Networks & Compliance
Don't take our word for it. Here's what business owners across the country say about working with LimnPay.
We were spending over $2,400 a month on processing fees. LimnPay reviewed our statement, found a better rate structure, and had us set up in two days. The team actually picks up the phone — that alone is worth everything.
As an e-commerce business, I needed a gateway that integrated with our platform and didn't nickel-and-dime us. LimnPay found us a solution that increased our margins and the compliance support gave us complete peace of mind.
The support team at LimnPay is fantastic. They handled everything — equipment, POS integration, training — and we were processing within 48 hours. I've had processors before where I couldn't reach anyone. Not here.
I run a multi-location salon and needed a processor who understood our business — tips, gift cards, recurring memberships. LimnPay built a custom program that handles all of it. Finally, a processor that listens.
Our hotel needed a processor who could handle front desk terminals, online booking, and incidental holds. LimnPay put together a solution that works seamlessly across all three. Setup was painless.
As a service business, I invoice clients in the field. LimnPay set me up with a mobile solution that lets me take payment on-site. Simple, professional, and my customers love the experience.
Everything you need to know about working with LimnPay. Can't find your answer? Contact us directly.
Unlike going directly to a large processor (like Fiserv or Global Payments), working with LimnPay means you get personalized service, flexible options across multiple processors, and a dedicated account manager who actually knows your business. We're not locked into one product or provider — we shop the market on your behalf and find the best fit for your specific needs. We act as your advocate, not just a vendor.
Most merchants are approved and processing within 24–48 hours of completing their application. We handle equipment setup, POS integration, and staff training as part of our onboarding process. For businesses with more complex needs (multi-location, specialty markets), setup may take a few additional days.
No. LimnPay charges no setup fees and no cancellation fees. We operate on month-to-month agreements because we believe you should stay with us because we're delivering value — not because you're locked in.
A cash discount program offers customers a choice between a standard (card) price and a slightly lower cash price. It's a fully compliant way to reduce your processing costs. However, it's not right for every business — it depends on your customer base, industry, and preferences. We'll give you an honest assessment of whether it makes sense for you, and we offer it as one option among many, not as a default.
We support all major card brands (Visa, Mastercard, American Express, Discover), contactless payments (Apple Pay, Google Pay, Samsung Pay), ACH/bank transfers, and traditional swipe/chip/tap. We also support gift cards, loyalty programs, and recurring billing depending on your setup.
In most cases, yes. We work with hundreds of POS systems and payment platforms including Square, Clover, Toast, Lightspeed, Shopify, WooCommerce, and many more. During your free consultation, we'll assess your current setup and confirm compatibility before you make any commitments.
You'll have a dedicated account manager available 24/7 by phone and email. We also proactively review your account quarterly to ensure you're always on the best rate structure for your current volume. If something changes in your business, we adapt your program accordingly.
Upload your most recent merchant statement using our free analysis form. Our team will review it within 24 hours and provide a detailed breakdown of what you're currently paying versus what you'd pay with LimnPay. There's no obligation and no pressure — just honest numbers.
Still have questions?
Upload your merchant statement and get a free, no-obligation analysis within 24 hours. Most merchants save significantly — see your numbers.