Independent · Multi-Processor · Owner-Led

Payments Built on Transparency & Long-Term Relationships

We work across multiple payment platforms and software vendors, so the recommendation is always based on what fits your business, not what we're locked into selling. Whether you're setting up for the first time or fixing a setup that isn't working, CR Solutions evaluates your operation and matches you with the right gateway, POS, and software.

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50
States Served
$0
Statement Audit Cost
24/7
Processor Support
2
Owners Who Answer

Small Business

Retail, restaurants, salons & services

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Growing Teams

Multi-location, field service & medical

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Enterprise & Government

Large operations, ISV & municipalities

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What We Do

How We Work With You

Independent guidance across multiple processors and software platforms, built around how your business actually works.

Payment & Software Matching

We evaluate your business, your software, card volume, workflow, and industry, and match you with the processor and software setup that actually fits.

  • Multi-processor comparison
  • POS & software fit review
  • Industry-specific guidance

New Merchant Setup

Starting from scratch? We help you navigate the options, choose the right processor for your situation, and get everything configured and running, without the guesswork.

  • Account & platform setup
  • Equipment & software provisioning
  • Training & onboarding

Rate Optimization

Already processing but paying too much? We audit your statements line by line, identify what's inflated, and advise on whether a better processor or pricing structure exists for your volume and card mix.

  • Statement audit & review
  • Cross-processor comparison
  • No-obligation savings analysis

Ongoing Support

We stay involved after the account is live. If something changes, a software update, a rate shift, a hardware issue, you have a direct point of contact who already knows your setup.

  • Direct owner access
  • 24/7 processor backing
  • Periodic rate & setup reviews
Industries We Serve

Built for Your Industry

Vertical-specific software integrations and processing setups tailored to how your business actually operates.

Retail & Personal Services

  • Grocery Stores
  • Meat Markets & Delis
  • Bakeries
  • Liquor Stores
  • Smoke Shops
  • Hair & Nail Salons
  • Barbershops
  • Pet Grooming & Salons

Automotive

  • Car Dealerships
  • Auto Repair Shops
  • Towing Services

Medical & Dental

  • Medical Offices
  • Dental Practices
  • Chiropractic Offices
  • Orthopedic Practices
  • Pharmacies

Home & Field Services

  • HVAC & Plumbing
  • Light Construction
  • Landscaping
  • Garage & Overhead Doors
  • Septic & Water Treatment
  • Elevator Services
  • AV & Home Automation
  • Appliance & Industrial Repair
  • Gate & Fencing
  • Restoration
  • Alarm, Security & Fire Protection

Specialized & Online

  • B2B Wholesale
  • E-Commerce
  • General Facility Services

Don't see your industry?

Whatever your business, we have the software partnerships and processing relationships to build the right setup for how you actually operate.

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For Larger Organizations

Processor & Software Matching for Larger Operations

We help larger businesses connect with the right processor, gateway, and software setup for their operation. Instead of forcing one system into every situation, we compare the options, coordinate the moving pieces, and stay involved after the account is live.

01

Multi-Location & Multi-MID Rollout

Larger operations have more moving parts. We work with established national processing partners to build a setup that scales across locations without adding administrative headaches.

  • Access to established national processing partners
  • Multi-location and multi-MID rollout coordination
  • Gateway and software compatibility review
  • Consolidated reporting options across locations or departments
  • One direct point of contact for the whole setup
02

Software & ISV Setup

We connect businesses with the right independent software vendors for their industry and set up the payment processing inside those platforms, including structuring the pricing.

  • ISV matching based on your industry and workflow
  • Payment pricing structured within the software
  • Gateway and software compatibility review
  • Setup and configuration handled end to end
  • Ongoing point of contact across both the software and the processor
03

Reporting & Analytics Access

Through the processors and platforms we work with, larger merchants get access to detailed reporting tools, transaction trends, chargeback tracking, location-level breakdowns, and exportable data for your finance or ops team.

  • Transaction volume and effective rate tracking
  • Location and department-level breakdowns
  • Chargeback visibility and guidance
  • Exportable reporting for finance and ops teams
  • We walk you through the tools so they actually get used
04

Secure Public Sector Solutions

We help municipalities accept payments the way residents actually want to pay them, online, in person, by phone, across the full range of public collections.

  • Property tax collection
  • Utility and water payments
  • Permit and license fee processing
  • Public records and document fees
  • Parks, recreation, and event registration
  • Full alignment with municipal procurement standards
Better for Taxpayers: We help municipalities cut processing overhead, simplify reporting, and give residents modern payment options without the runaround of dealing with a faceless national vendor.
05

Flexible Hardware Options

Because we work with multiple processors, you're not stuck with one financing model. We walk through your cash flow, your equipment needs, and your timeline, then match you to the hardware structure that actually fits. The right answer for a startup restaurant is rarely the right answer for a 12-truck plumbing company.

  • Buy outright and own the hardware day one
  • Lease through the processor for a fixed term
  • Bundle hardware into a flat monthly fee with your processing
  • Mix and match across locations as it makes sense
  • Right-sized terminal, POS, and peripheral recommendations for your workflow
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The Difference

How CR Solutions Compares

See why local merchants choose CR Solutions over the alternatives.

Feature CR Solutions Generic Competitor Large Corporation
Multiple Processor Options✓✗✗
Local Support✓✗✗
Rate Optimization✓✓✗
Personal Account Manager✓✗✗
ISV & Software Matching✓✗✗
Owner Direct Access✓✗✗
24/7 Support✓✓✓
Free Statement Audit✓✗✗
Our Team

Meet the Co-Founders

Real people, local expertise, fully invested in your success.

Colin Welch

Colin Welch

Co-Founder & Owner

Colin helps businesses navigate the payment landscape without the runaround. Rather than pushing one processor, he evaluates each client's software, card volume, and workflow to recommend the setup that genuinely fits, then stays involved to make sure it keeps working.

Rachel Welch

Rachel Welch

Co-Founder & Owner

Rachel focuses on making sure every client understands their options and feels confident in what they're signing up for. She works across multiple processors and software vendors to match businesses with the right combination, not just what's convenient on our end.

Headquartered in Manhattan, IL and serving merchants nationwide. Whether you're down the street or across the country, you work directly with the owners who answer the phone.

Trust & Safety

Security & Compliance

Your data is protected by industry-leading security standards.

PCI-DSS Compliant

Industry-standard payment security

Bank-Level Encryption

256-bit SSL/TLS in transit

Fraud Protection

24/7 monitoring & alerts

U.S. Compliance

Federal & state payment standards

Common Questions

Frequently Asked Questions

Everything you need to know about working with us.

No, we're an independent payment advisory and brokerage. We don't process payments ourselves. We work with multiple established processors and software vendors to find the right fit for your business, then help you set it up and stay available after you're live. You're never dealing with a faceless company, you deal with us directly, and we deal with the processors and software vendors on your behalf.
It depends on the setup, but most businesses are up and running within 24 to 48 hours. We handle the paperwork, account application, and configuration, and we walk you through everything before you go live.
We offer transparent, competitive pricing with no hidden fees. Savings vary based on what you're paying today, your card mix, and your processor, and we'll show you the math up front. Send us your most recent statement and we'll walk through every line item with you for free, no obligation to switch.
Not at all. We're headquartered in Manhattan, IL, but we serve merchants across the United States and can support select international businesses depending on the processor and the country. The same hands-on, owner-led service applies whether you're around the corner or across the country.
We support all major credit and debit cards (Visa, Mastercard, American Express, Discover), mobile payments (Apple Pay, Google Pay), and more. We can customize solutions based on your specific business needs.
No! We offer flexible month-to-month agreements so you're never locked into a long-term contract. If our service isn't the right fit, you can adjust or cancel anytime. We believe in earning your business every month.
We work exclusively with PCI-DSS compliant processors, use bank-level 256-bit SSL/TLS encryption in transit, and employ 24/7 fraud monitoring. Your data and transactions are protected by the same security standards used by major financial institutions.

Ready to Optimize Your Payments?

Schedule a free consultation and find out exactly how much you could save on processing fees, with no obligation to switch.

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