Who We Are

Cultivate was formed to change the credit card processing industry, to shed light on a gray industry, to show its clients that accepting cards is now a real value to their business.  

Cultivate's Options for Your Business

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After 12 years in the industry, we have heard countless stories from business owners; being lied to, taken advantage of, paying for equipment that they are not using, calling their company to get help and not getting a hold of someone, the list goes on. 

We knew that something needed to be done to fix these problems in the industry. 

However, with the types of programs available on the market nothing was going to change because the programs out there are too confusing and easy to manipulate. 

We needed to come up with something new, something unique. Something that was not only extremely simple to understand, but also so simple that there wasn’t a way for confusion. 

Our solution not only helps your business by eliminating the fees you would pay to your credit card processor, but also rewards you for every customer who uses a card in your business. 

Our Vision

To support and empower all businesses, big and small. 

Our Mission

We strive to be the worlds leading processing company that puts the business owner as our top priority with complete transparency and honesty. 

We will be the last credit card processor you will ever have.

We believe our businesses should never be charged for accepting credit and debit cards.

We believe in rewarding our businesses and giving back.

We believe in $0 fees, 5X Rewards and 100% transparency.

We are Cultivate Payments.

Our Values

We believe in being honest, ethical, and genuine, always.

We believe in full transparency, always.

We believe in doing what is right, always.

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Client Testimonial

"Cultivated payments is a game changer. I was a little skeptical about how our customers where going to respond to a surcharge/service fee, but our customers have been very supportive about the change. Due to COVID-19 being a small business owner has become very difficult, but being able to recoup that small percentage of the service fee from Cultivated Payments has made a big impact with sales. The Customer support is great, all my questions were answered right away, and i know that if i have any problems they would be resolved promptly. If you have not thought about changing your merchant service provider, I highly recommend you looking into Cultivate Payments and start saving money right away."

-Christa Monkeys Subs Owner