Complete payment solutions for every business
From in-store point-of-sale to high-risk merchant accounts, XNI Technology Group delivers the technology and expertise to keep your payments flowing — reliably, securely, and affordably.
Payment Processing
Accept every payment, every time
Our payment processing solutions give your business the ability to accept all major credit and debit cards — Visa, Mastercard, American Express, Discover, and more. With competitive interchange-plus pricing, next-day funding, and real-time transaction reporting, you'll always know exactly where your money is.
Get startedWhat's included
- All major credit and debit cards accepted
- Competitive interchange-plus pricing
- Next-day funding available
- Real-time transaction reporting dashboard
- Chargeback management and dispute resolution
- Recurring billing and subscription support
POS Systems
Modern hardware built for your industry
Our point-of-sale systems combine powerful hardware with intuitive software to streamline your operations. Whether you run a retail boutique, a busy restaurant, or a service business, we have a POS solution that fits your workflow and scales with your growth.
Get startedWhat's included
- Countertop, mobile, and tablet POS options
- Inventory management and low-stock alerts
- Employee management and shift tracking
- Customer loyalty and rewards programs
- Offline mode — keep selling without internet
- Integrates with QuickBooks, Xero, and more
ACH / eCheck
Low-cost bank-to-bank transfers
ACH and eCheck processing lets you accept direct bank transfers at a fraction of the cost of card transactions. Ideal for B2B payments, recurring billing, large-ticket purchases, and any business looking to reduce processing fees without sacrificing convenience.
Get startedWhat's included
- Direct bank account debits and credits
- Flat-rate pricing — no percentage fees
- Same-day and next-day ACH options
- Recurring payment scheduling
- Bank account verification (micro-deposits or instant)
- NACHA-compliant processing
High-Risk Merchant Accounts
Approvals where others say no
Many businesses are turned away by traditional processors due to their industry, chargeback history, or business model. XNI Technology Group specializes in high-risk merchant accounts, providing stable, long-term processing solutions for industries that need a reliable partner.
Get startedWhat's included
- Fast approvals — often within 24–48 hours
- Multiple acquiring bank relationships
- Chargeback mitigation and prevention tools
- Offshore and domestic processing options
- High-volume processing capacity
- Dedicated high-risk account managers
E-commerce Solutions
Sell online with confidence
Power your online store with a payment gateway that's fast, secure, and built for conversion. Our e-commerce solutions integrate seamlessly with all major platforms and provide the fraud protection and checkout experience your customers expect.
Get startedWhat's included
- Integrates with Shopify, WooCommerce, Magento, and more
- Hosted and API-based payment gateway options
- Advanced fraud detection and prevention
- 3D Secure 2.0 authentication
- Multi-currency and international payments
- Digital wallet support (Apple Pay, Google Pay)
Mobile Payments
Accept payments anywhere you do business
Take your business on the road with our mobile payment solutions. From compact card readers that plug into your phone to full-featured mobile POS apps, we make it easy to accept payments at trade shows, job sites, pop-up events, and anywhere else your customers are.
Get startedWhat's included
- Compact Bluetooth and audio jack card readers
- iOS and Android compatible apps
- Tap-to-pay (NFC) and chip card support
- Digital receipts via email or SMS
- Syncs with your main POS or back-office system
- Real-time sales reporting on mobile
Not sure which solution is right for you?
Our payment specialists will analyze your business and recommend the best combination of services to maximize your revenue and minimize your costs.