Cazador gives growing businesses transparent interchange‑plus pricing, next‑day funding, and PCI DSS Level 1 security — backed by a real account team, not a call center.
Trusted by finance & ops teams at
One processor for card-present, online, and invoiced payments — with the reporting and controls your CFO will actually trust.
No bundled markups, no surprise statement fees. See exactly what you pay on every transaction, down to the basis point.
Batch out by 11:59pm ET, funds land in your business bank account the next business day — no holds on your working capital.
The same certification tier used by the largest processors in the world, with tokenization and end‑to‑end encryption built in.
Machine‑learning risk scoring plus a dedicated chargeback team that builds and submits your representment cases for you.
Terminal, virtual terminal, hosted invoicing, ACH, and e‑commerce — one dashboard and one settlement for every channel.
A named human who knows your account, answers in hours not days, and reviews your rates proactively every quarter.
Most businesses are approved same‑day and processing their first live transaction within 48 hours.
A 5‑minute application — no faxed paperwork, no branch visit required.
Our risk team reviews and responds in a few business days.
Terminal, POS, or a few lines of API — our integration team does the heavy lifting.
Start accepting payments and see funds hit your account the following business day.
Every transaction is encrypted end‑to‑end and tokenized at the point of capture — your systems never touch raw card data, which keeps your PCI scope small and your risk smaller.
Every transaction is screened against fraud models trained across billions of data points.
Settlement reports match your bank deposits line‑by‑line, every single day.
Redundant processing infrastructure across multiple regions with a published, credited SLA.
A real person you can call before an audit — not a ticket queue.
Every plan includes next‑day funding, PCI compliance support, and your dedicated account manager.
A few of the businesses that moved off legacy processors this year.
"We cut our effective rate by 34 basis points and finally got a statement I can actually reconcile against our bank feed in QuickBooks."
"Our old processor took three days to respond to a chargeback dispute. Cazador's team built the case for us in an afternoon."
"Switching processors sounded painful. Their integration team had our POS and invoicing live in under a week, zero downtime."
Most applications are reviewed and approved the same business day. Higher‑risk or higher‑volume accounts may take up to 48 hours while we verify banking and business details.
No. Cazador is month‑to‑month with no early termination fee. We earn your business every statement cycle, not through a lock‑in contract.
You pay the exact interchange rate set by Visa/Mastercard/Amex/Discover for each card, plus one transparent markup from Cazador — shown as a single line on every statement. No tiered buckets, no hidden qualification discounts.
Yes. We support Level 2 and Level 3 line‑item data for B2B and government purchasing cards, which typically qualifies for lower interchange rates than standard consumer cards.
Batches close nightly at 11:59pm ET and funds are deposited to your linked business bank account the next business day, with a matching settlement report available in your dashboard.
Every account is assigned a named account manager plus 24/7 access to live technical support — for statement questions, disputes, or integration troubleshooting.
Tell us a bit about your business and a Cazador specialist will follow up with a no‑obligation rate comparison within one business day.
A Cazador account specialist will reach out within one business day with your custom rate comparison.