The New Era


Stop Paying High Processing Fees

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Never a need to switch to another processor ever again.  

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Zero-Fee Processing with Cash Back 

With the advancement in technology, and the passing of the Durbin Amendment, your business now has the opportunity to accept cards for free. Cultivate Payments introduces you to Zero-Fee Processing with Cash Back.


Cash Back

Cultivate is the only processing company in the country to offer its partners Cash Back  on all transactions. Through their proprietary technology, you earn rewards just like  your customers earn airline miles and Cash Back in your business.


Donate 10% to a Cause

One swipe at a time, our partners have the option to donate 10% of their Cash Back to one of the following charities. All contributions will be matched by Cultivate and will be donated on their behalf.

We not only care about our partners, but those who are facing adversity in their lives or have made the ultimate sacrifice.

Children with cleft and craniofacial deformities require a coordinated series of treatment steps to restore their face, mouth and speech to normal. While it is possible to substantially correct a cleft if the proper treatment sequence is carried out, children and families often do not have access and/or the means to arrange for the coordinated treatment they need and deserve to achieve an optimal outcome. Smile Oregon’s mission is to ensure that every family affected by a cleft or craniofacial condition living in Oregon has access to the coordinated care they deserve by providing support, awareness, and education.

The mission of the Navy SEAL Foundation (NSF) is to provide immediate and ongoing support and assistance to the Naval Special Warfare (NSW) community and its families, the families of NSW fallen, and SEAL and SWCC veterans. Like the community it serves, the Navy SEAL Foundation is a high performing organization committed to excellence. NSF has been awarded the coveted 4-Star rating from Charity Navigator since 2011 and has earned a perfect score of “100” each year since 2016 for financial health, accountability, and transparency, placing NSF in the top 1% of rated charities. Ninety-five cents of every dollar donated goes directly to programs or is retained for future mission use.

Since 1995, Children’s Cancer Association (CCA) has been transforming the pediatric healthcare experience through innovative, Joy-based programs, enhancing the mental and emotional well-being of pediatric patients with the healing power of music, friendship, and nature. JoyRx® programs are free-of-charge and kid-prescribed, empowering children and teens to positively shift their emotional states during the stressful and painful experiences related to fighting life-threatening illnesses and extended hospitalizations. To date, CCA has provided JoyRx to more than one million seriously ill kids, teens, and their family members and has a goal to clinically position and deliver JoyRx as best practice in children’s hospitals across the country.
WWP is committed to honoring, empowering, and helping America’s injured veterans achieve their highest ambitions through a variety of programs, services and events for wounded veterans.

Through our “Donate 10% to a Cause” program, if you so choose, you are agreeing to contribute 10% of your total quarterly Cash Back amount to a charity of your choice, for as long as you process with us. Cultivate Payments will match every dollar of the Cash Back donated amount, and your donation will be sent out quarterly on behalf of your company. The charitable donation amount is dependent on the sales volume your business runs a particular quarter, along with the interchange costs of the cards your customers use.

If you are located in the following states, our “Donate 10% to a Cause” program is not applicable due to the states Co-Commercial Venture regulations. Prohibited states; Alabama, Arkansas, California, Colorado, Connecticut, Hawaii, Illinois, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, South Carolina, Tennessee and Virginia.

Lee William

"followed through with everything they have told me they would do. I highly recommend them. "

Paul Ulibarri

"This is a great company to work for because their true small business advocates and train their employees well. The quality of products and services Cultivate offers are unsurpassed!"

Drew Davidsen

"Cultivate is an incredible company that’s focus is on being an advocate for the merchant. The Founder and CEO Jason Frank is a man of extreme integrity. You cannot go wrong when you do business with this company."


what our customers are saying

Why Cultivate is Different

For years, businesses have waited days to receive their money from their credit card processor.

  • Cultivate now offers instant funding.
  • Enjoy the benefits of steady cash flow strategies.
  • Your business will receive its funds within 1.5 hours of batching.
  • See the FAQ link for more information and participating Banks.

Move to a cash based pricing model.

The Cultivate Cash Discount Program is the next evolution of processing.  It allows you to offset your merchant service fees without increasing your sale price. It is done by passing a service fee to all customers while giving a discount to those who pay with cash.

Retail Industry

Our state of the art software will help your Retail Business grow in more ways than ever.

Restaurant Industry

With Cultivate, upgrade to a POS that will also communicate with your website for seamless togo orders or allow us to integrate with your existing point of sale.

E-Commerce Industry

Have a Website? No problem! We offer a complex yet simple gateway. Our solution is capable of working with a wide range of devices, third-party integrations, API’s and SDK’s.