Honest, high-speed processing for independent shops, automotive services, and retail boutiques. We offer simple, transparent paths—including our 10 & 10 model and Near-Zero pricing—designed to keep more revenue in your local community.
View Retail RatesStable, specialized merchant accounts for regulated industries. With upfront underwriting and direct bank sponsorship, we know your business from day one to protect your funds and ensure your doors stay open.
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One Gateway to the World’s Leading Networks. We have the unique ability to board merchants across five of the global leaders in payment processing. Instead of forcing your business into a one-size-fits-all box, we match you with the specific backend network that best handles your industry, transaction volume, and risk profile. You get the power of a global giant with the custom-fit strategy of Socorro.
Transparent Pricing Models Without the 'Equipment Trap'. Experience the transparency of our 10 & 10 and Near-Zero Pricing Models. We’re honest about the industry—no one can eliminate every penny, but we can get you as close to zero as technically possible. Combine that with our pass-thru prices on equipment and you know exactly what you are paying from the start without being locked into a long-term contract to offset the "free equipment" offered by other processors.
Direct Advocacy for Regulated Industries. High-risk shouldn't mean high-stress. We specialize in "Elevated Risk" by utilizing direct bank sponsorship and upfront underwriting. Because we know your business from day one, we eliminate the sudden freezes common with third-party aggregators. If an issue arises, we don't put you in a ticket queue—we get the processor on the phone directly to solve pain points in real-time.
Main Street Path: Choose between the 10 & 10 or Near-Zero pricing models and we will match you with the right solution out of our network of five nationwide processors.
Elevated Risk Path: We pair you with direct bank sponsorship to ensure long-term stability in regulated markets.
Main Street Path: Quick Approval. Automated systems and simple requirements get you approved in as little as 24 hours.
Elevated Risk Path: Detailed knowledge of your industry allows our team to perform upfront underwriting which prevents sudden "freezes" and keeps you processing longer and more securely.
Main Street Path: Receive your plug-and-play equipment—owned by you, not leased—and start processing immediately.
Elevated Risk Path: Expect an approval within 3 business days of submitting the final application and enjoy direct phone support and a stable gateway that keeps your business open and protected.
Implementing Enterprise-Grade Security for every transaction. Every time.
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PCI DSS Level 1 Compliant
End-to-End Encryption
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Fraud Detection & Mitigation
Secure SSL Vaulting
EMV & Contactless Ready
24/7 Monitoring
Our mission is simple: Complete honesty, transparent rates, stable and secure processing.
The 10 & 10 Model
Interchange Plus Pricing
0.10% and $0.10
$35 Monthly Fee
Free Statement Analysis
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The Near-Zero Model
Offset up to 95% of fees
Card Brand Compliant
Accept All Card Types
Plug-and-Play Equipment
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Elevated Risk Industries
Upfront Underwriting
US-based Sponsor Bank
Long-term Solution
Completely Reliable
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Whether you need the speed of Main Street approval or the stability of direct bank sponsorship, Socorro Payments is your advocate in a complex industry. Let’s build a processing strategy that protects your margins and your peace of mind.
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