Modern payment processing
for all business types
Simple, reliable payment processing built for business owners — including high-risk, high-growth, and subscription-driven brands. No surprises. No shutdowns. No stress.
Accept cards, ACH, and eChecks — plus instant payouts with dedicated support.
A+BBB RatingAccredited Business
4.8/5GoogleCustomer reviews
4.5/5MetaCustomer reviews
5/5Merchant MaverickExpert review
Top RatedTop Credit Card Processors2026
#2,150Inc. 5000Fastest growing
Founded 2012 · 60+ industries served · 25+ acquiring bank partners
Three ways to get paid.
One partner that says yes.
Cards, bank payments, and eChecks — pick one rail or combine all three to cut costs and reduce chargebacks.
Our integrations.
Plug into the tools you already use.
WooCommerce
Shopify
NMI
DebtPay Pro
OpenPath
WordPressand many more...
How it works.
From application to approval.
Three steps. Most standard accounts are live within one to two weeks — high-risk included.
Apply online in minutes
Complete a simple online application to tell us about your business, processing needs, and goals.
Underwriting review
Our team reviews your application and submits it for underwriting, guiding you through any pending items.
Approval & go live
Once approved, you're set up to accept credit and debit card payments and can start processing right away.
No hidden fees · No paperwork · Dedicated account manager
Get started — it's easier
than you think.
Unsure which payment solution best fits your needs? Take the quiz to find the right payment option for your business.
What's your average transaction size?
$500 – $2,500What's your monthly volume?
$100k – $500kAre you B2B or B2C?
BothYou're in good company
with our processing services
“Sterling ACH has helped to significantly reduce the number of checks we have to put in the mail, which has saved us on postage and time spent.”
“Sterling Merchant has been a great asset to our organization for the past 5 years. They are always quick to respond and a pleasure to work with.”
“Sterling Merchant has been great at keeping our payment processing fees at an absolute minimum.”
“Thanks to the insightful advice and great service offered by the team at Sterling Merchant, our ecommerce business operates more efficiently.”
“eCheck verification has reduced returned checks for our clients by 63%, resulting in thousands saved on bank fees. They also offer A+ developer support!”
“Very reliable verification and great customer service. Customer support is always responsive and available.”
“We have over 90 locations and Sterling Ridge helps us collect our money faster, easier and more efficiently.”
“Sterling ACH has helped to significantly reduce the number of checks we have to put in the mail, which has saved us on postage and time spent.”
“Sterling Merchant has been a great asset to our organization for the past 5 years. They are always quick to respond and a pleasure to work with.”
“Sterling Merchant has been great at keeping our payment processing fees at an absolute minimum.”
“Thanks to the insightful advice and great service offered by the team at Sterling Merchant, our ecommerce business operates more efficiently.”
“eCheck verification has reduced returned checks for our clients by 63%, resulting in thousands saved on bank fees. They also offer A+ developer support!”
“Very reliable verification and great customer service. Customer support is always responsive and available.”
“We have over 90 locations and Sterling Ridge helps us collect our money faster, easier and more efficiently.”
“Excellent service! Sending invoices with Sterling ACH has significantly reduced A/R by letting our customers pay online.”
“Sterling Ridge helped us solve one of the crucial problems we were having as a business: recurring payment to vendors.”
“Sterling ACH allows us to easily request one-time and recurring rent payments from our tenants.”
“Sterling Ridge has made it easy for our business to receive funds the next day from our clients.”
“Every small business needs Sterling ACH! It has allowed me to send and receive payments quickly, securely, and reliably.”
“Sterling Ridge has been an invaluable addition to our company. It has drastically reduced the time to receive funds.”
“Excellent service! Sending invoices with Sterling ACH has significantly reduced A/R by letting our customers pay online.”
“Sterling Ridge helped us solve one of the crucial problems we were having as a business: recurring payment to vendors.”
“Sterling ACH allows us to easily request one-time and recurring rent payments from our tenants.”
“Sterling Ridge has made it easy for our business to receive funds the next day from our clients.”
“Every small business needs Sterling ACH! It has allowed me to send and receive payments quickly, securely, and reliably.”
“Sterling Ridge has been an invaluable addition to our company. It has drastically reduced the time to receive funds.”
Trusted by thousands of businesses and entrepreneurs across 60+ industries
Frequently asked
questions.
Sterling Ridge is a full-service payment processor helping businesses accept credit cards, ACH, and eChecks — with a specialty in high-risk, high-growth, and subscription-driven brands. We combine modern payment technology with 25+ acquiring bank relationships to get you approved and keep you processing.