9 Best Instant Funding Credit Card Processing: Get Paid in 2025

Imagine having a great business opportunity only to miss out because of insufficient funds, or not being able to grow your business because you lack a regular cash flow. Luckily, if you need a cash injection, some credit card processors can help you accept payments right away and get your business off the ground by offering instant funding options.

I spent over a month looking for credit card processors that offer same and next-day payouts, cash advances, and other types of business loans. The problem is that only a handful offer instant funding options at a reasonable price. Even fewer provide such services to high-risk industries.

Aside from instant funding options, I also considered zero-cost credit card processing programs. Over time, these programs can help you cut costs associated with credit card processing and encourage growth for your business, especially if you process a large number of transactions.

Paysafe stood out from all the processors I researched. It offers a variety of fast payout options, including same-day and next-day funding. Paysafe also enables rapid transfers via its subsidiary, Skrill, and has some of the lowest transaction fees in the industry.

Check out Paysafe or keep reading to see if one of my other recommendations is a better fit for your business.

What We Look For in the Best Instant Funding Credit Card Processing Companies

In my quest to find the best instant funding credit card processors, I focused on these specific features:

• Same-day payouts. This is particularly beneficial for businesses that operate overnight. It enables you to access the funds from your credit card transactions on the same day you submit the batch. Maximum limits may apply, which isn’t the case with next-day funding. Most of the credit card processors on my list offer this feature.
• Next-day payouts. You can access your funds on the following business day. My recommendations offer this service as a standard or add-on feature.
• Cash advances. This instant funding option provides a lump sum based on a percentage of your future credit card sales. Cash advances don’t require collateral – the processor will deduct a portion from future credit card sales until you pay off the advance and associated fees. Some of my top recommendations include cash advances at reasonable terms.
• Affordable pricing. Even if your processor offers instant funding options, you won’t reap the benefits if your day-to-day processing fees are high. I found the best instant funding credit card processing companies with fair pricing structures that align with the needs of businesses operating on a tight budget.
• Zero-cost credit card processing. If you find yourself barely staying afloat, programs like surcharging and cash discounting can shift some of the processing costs onto customers that pay via credit card. I found processors that offer these programs to help you keep more of your profit.

1. Paysafe: Fast Funding Options for International Businesses

Paysafe releases funds within 1-2 business days as a standard but also offers Accelerated Funding for US-based small and medium businesses seeking quick access to cash. This service has three options: Express, Same-Day, and Next-Day Funding. However, it only applies to in-person sales. Out of the three, Express Funding is the fastest, delivering funds to merchants within hours every day, including weekends and holidays.

If you do business in the European market, Paysafe supports rapid transfers via Skrill, meaning you can access funds immediately after customers complete their transactions. In contrast to Accelerated Funding, rapid transfers are for e-commerce sales. This solution integrates seamlessly with various shopping carts, digital wallets, and Paysafe’s Alternate Payments API, ensuring immediate access to funds regardless of the payment method used.

Paysafe’s payment processing capabilities span over 120 markets globally and support 40+ currencies, making it ideal for global expansion. With its competitive monthly fee of $7.95 and low transaction fees of around 0.50% + $0.10, Paysafe is an excellent option for selling high-ticket items and services.

Features and Benefits

• Free mobile card reader. Paysafe offers a free EMV mobile reader that is compatible with Android devices. It works with the Paysafe Mobile Pay app and can process chip and magnetic stripe cards. This combination enables you to accept payments anywhere.
• Affordable chargeback program. Paysafe’s Encytro program charges a flat fee of $29.95 per month per location, entitling you to receive up to $250 per covered chargeback. This program makes chargeback management more predictable and helps you mitigate financial setbacks from chargebacks.
• Subscription management and payment recovery. Paysafe integrates with Vindicia software, offering robust subscription management and payment recovery solutions. This solution enhances customer retention and revenue stability for subscription-based businesses.
• 260+ payment methods. Paysafe provides a vast range of payment options. These include popular international methods like Skrill and Alipay, as well as local methods like Boleto Bancario and MACH, catering to diverse customer preferences across global markets.

To learn more, check out our detailed Paysafe review.

2. Leaders Merchant Services: Best for Small Businesses

Leaders Merchant Services (LMS) doesn’t impose processing minimums, making it accessible to small businesses. You’ll benefit from a low monthly fee that covers the essentials, with more features costing extra. This custom pricing ensures that you only pay for the services you use, which is ideal if you’re on a tight budget.

LMS offers cash advances and other fast business loans that could be beneficial if you need immediate funds to cover current expenses or invest in growth opportunities. You can obtain capital without extensive paperwork or collateral. To qualify, your business must be at least nine months old and processing with LMS for at least six months. The funding amount and terms depend on your sales volume and financial history.

While this processor is ideal for new businesses, it’s also great for established businesses seeking a better deal. LMS’s attractive meet-or-beat guarantee will match or beat your current rates. If it can’t, you’ll receive a $200 gift card. Additionally, LMS’s ~0.15% + $0 fee is one of the lowest I’ve seen in the industry.

Features and Benefits

• Same-day approvals. In most cases, LMS approves merchants the same day they apply, meaning you can start taking credit card payments almost immediately.
• Cash discount program. The program allows you to deduct 4% from cash payments or charge your card-paying customer the same percentage on top of their total.
• Free POS. LMS is one of the few processors that offer a high-quality Clover terminal for free. Upon purchase, you will receive the system with free installation, training, and if applicable, already set up for cash discounting.
• Flexible contracts. LMS won’t burden you with long-term contracts and early cancellation fees. You can use its services on a month-to-month basis.

For more features, check out our detailed Leaders Merchant Services review.

3. PaymentCloud: Funding Opportunities for High-Risk Businesses

PaymentCloud offers funding opportunities for high-risk businesses, making it a suitable choice for merchants who may face difficulties securing financing elsewhere. PaymentCloud’s simple application process allows you to access funds within 24 hours on average.

PaymentCloud provides multiple funding solutions to support both short-term cash advances and long-term financial solutions. From asset-based loans to business lines of credit and bridge loans, its flexible funding options make securing the capital you need much easier.

With a 98% approval rate, your application’s chances of acceptance are high. PaymentCloud even offers customized pricing plans for high-risk businesses starting from 3.95% + 15¢ per transaction and $14.00/month. While processing fees are higher due to increased risk, PaymentCloud ensures secure and reliable transaction handling.

Features and Benefits

• Hands-on assistance for funding. PaymentCloud provides free, personalized guidance throughout the funding application process, helping you navigate PCI compliance and other regulatory hurdles.
• Free equipment. Get POS equipment at no cost for the duration of your contract, freeing up capital for securing a cash advance or covering operational expenses.
• Comprehensive API. Easily integrate PaymentCloud’s system with Shopify, BigCommerce, and other e-commerce platforms. This simplifies your ability to manage transactions and ensures that you get quick access to funds.
• Multiple software integrations. Connect with platforms like Hubspot, Slack, and WordPress, improving efficiency and optimizing business operations.

To see more features, check out our detailed PaymentCloud review.

4. CardX: Fast Payouts for Zero-Cost Transactions

CardX offers payouts within 24 hours, significantly faster than many other processors that can take up to 2-4 days. While it doesn’t provide instant payouts, the quick turnaround still helps businesses access cash without long delays.

With CardX, you can implement a zero-cost surcharge for credit card transactions, which means your customers directly cover the cost of payment processing. You may incur a small fee on debit card transactions, but this setup can still improve cash flow – especially if most customers pay with credit cards.

One thing I love about CardX is how it automates its surcharging process. With patent-pending technology, CardX automatically detects debit card payments and prevents surcharges, even if the customer selects “credit” and bypasses the PIN. By ensuring compliance and avoiding unnecessary fees, CardX simplifies surcharging while keeping customers happy.

Features and Benefits

• Free signage. CardX provides free signage to inform your customers about surcharge policies. This transparency is essential for managing expectations and complying with surcharging laws.
• Support for government and educational institutions. CardX offers “Intelligent Rate” technology that automatically adjusts surcharge fees based on the credit card issuer’s interchange rates, preventing customers from overpaying on transaction fees.
• CardX Lightbox. A simple payment form that embeds directly on your website, allowing customers to pay without leaving your site, creating a smoother checkout experience.
• Advanced analytics and reporting. The CardX Portal offers detailed reports on sales and deposits, helping you track cash flow and spot trends in weekly, monthly, or quarterly performance.

For more details, read our comprehensive CardX review.

5. Stax: Best for High-Volume Businesses That Need Same-Day Payouts

Stax has a membership-based zero-markup pricing model and the lowest per-transaction fees in the industry for only 8¢ + interchange (in-person). Its predictable pricing can save you up to 40% if you process $8,000+/month. And although the monthly fee starting at L 442 isn’t cheap, Stax includes many features for established businesses with more complex needs and high processing volumes.

Stax processes credit card payouts in 1-3 business days and ACH transfers in 4-5 days. You can pay for same-day or next-day funding, though a support agent assured me that next-day funding is included in all plans. Stax Lending connects you with over 100 funders, offering instant loans with credit decisions in as little as 15 minutes and funding within 24 hours.

You can speed up the payment collection process with Stax’s powerful invoicing tools, which are included in your monthly fee. Its subscription tool allows you to collect timely payments and maintain a stable cash flow. Stax’s Text2Pay feature allows your customers to pay you via text, a convenient method that will contribute to faster payment collection.

Features and Benefits

• Hardware of choice. When you sign up with Stax, you can choose between Pax, SwipeSimple, or Dejavoo terminal. Stax stands out as one of the few processors that provide multiple free models so you’re free to choose the one that best suits your needs.
• Free business management software. Stax’s proprietary software will power your business with analytics, reports, and many helpful tools.
• POS mobile app. Stax’s mobile app allows you to carry your business anywhere with you, both in terms of management and accepting payments. It can also transform any handheld device into a POS, allowing you to save on dedicated POS equipment and take payments remotely.
• Leading surcharging program. Through its subsidiary CardX, Stax gives you free access to an industry-leading surcharging program. CardX comes with 100% compliant hardware, software, and signage to pass on a 3.5% fee for credit card payments.

Read our detailed Stax review for more info.

6. Payment Depot: Fast Funding and Low Interchange+ Pricing

Payment Depot doesn’t provide funds as quickly as some other options on this list. That said, you can access working capital in as little as 24 hours, helping businesses cover inventory purchases or unexpected expenses. If approved, you can receive up to $500,000 at highly competitive rates and up to 18 months of repayment terms.

Payment Depot’s interchange-plus pricing model guarantees that you only pay the actual cost of each transaction – nothing more. Transaction fees start at 0.2%-1.95% with no monthly charges. This predictable pricing makes it easier to manage processing costs, plan your finances, and stay on top of loan repayments.

All Payment Depot plans include a free Dejavoo terminal, and you may be able to negotiate multiple terminals if needed. The terminal supports credit and debit cards, plus digital wallets like Apple Pay and Samsung Pay.

Features and Benefits

• Multi-functional payment dashboard. Payment Depot’s dashboard is designed to manage your payments, sales, and invoicing in one place. It enhances your cash flow by allowing you to track income and sales performance efficiently.
• Fast and easy onboarding. With a simple vetting process, Payment Depot ensures your business is up and running quickly in as little as 24 hours, reducing delays in processing transactions and accessing funds.
• Responsive live chat. The live chat team provides immediate support when needed, typically in under five minutes during regular business hours (8:30 a.m. – 7:30 p.m. EST & PST).
• Extensive e-commerce support. Easily integrate custom shopping carts and connect with major payment gateways like Authorize.net, Stripe, and PayPal for seamless transactions.

Read our expert Payment Depot review for more information.

7. Chase Payment Solutions: Good if Paired With a Banking Account

Chase Payment Solutions provides a standard merchant account with no monthly fees. It offers lower-than-average flat-rate pricing starting at 2.6% + 10¢ per transaction, making it a cost-effective option for small and growing businesses. I was disappointed to discover that there are no free or leased options for POS terminals unless you also hold a Chase Business Banking account.

Using the Chase Business Complete Banking account, at $15/month, with the QuickAccept feature, you can access same-day funding, including deposits from mobile payments. Chase will waive this fee if you maintain a minimum daily balance of $2,000. Through its partnership with BigCommerce, you can receive same-day funding from your e-commerce sales, provided you use a Chase banking account. Depositing to a third-party account will get your funds the next day, which is still faster than most competitors.

With one of the largest banks backing it, Chase offers various financing options for small businesses seeking to invest in growth. It provides SBA loans, commercial financing, and business lines of credit, catering to diverse business needs. This range of financing options allows you to select an option that best aligns with your needs. Overall, its processing offerings and fees are average at best without a qualifying Chase banking account.

Features and Benefits

• Free business analytics platform. Customer Insights offers robust business analytics and valuable insights into payment transactions and customer behavior. You can even see how your business compares to other companies, giving you a competitive advantage.
• Subscription management. As a Chase customer, you can sign up for a free three-month trial with FuseBill. It’s a multifaceted subscription management software that can handle billing, invoicing, and recurring payments. These features can significantly improve your cash flow.
• Industry-specific software. Chase offers many industry-specific software solutions as add-ons. Buildertrend is specifically designed for construction project management and invoicing, while EventZilla is for event management and marketing.
• Free mobile app. The Chase mobile app provides a convenient and user-friendly platform to accept payments, manage disputes, view sales analytics, access customer data, and practically run your business from anywhere. It also acts as a banking app, giving you access to your accounts from your phone.

Read our Chase Payment Solutions review for more information.

8. Square: Best if You Need Limitless Instant Transfers

Square’s popularity stems from its effortless and hassle-free onboarding process – it only takes 3 minutes to create a free account. You can begin processing payments immediately, with no approval requirements. Its affordability is another draw, with plans starting at $0/month and 2.5% + 10¢ per transaction. However, Square does tend to terminate accounts and freeze funds without warning, meaning some high-risk merchants should consider more risk-tolerant options like Leaders PaymentCloud.

Even on Square’s free plan, you can enjoy next-day transfers. If you need faster payouts, Square has an optional same-day payout service for 1.5% per transfer. Your daily earnings will be automatically transferred to your bank account 15 minutes after you close the day.

For the fastest access to funds, Square provides instant transfers at a rate of 1.5% for amounts up to $10,000 per transfer. There are no transfer limits for daily and weekly payouts. Square also offers instant access to your funds through an FDIC-insured business checking account, which seamlessly integrates with your Square account.

Features and Benefits

• Free mobile reader. You’ll get a free mobile reader as a welcome gift from Square. It’s a compact and versatile device that can transform your smartphone or tablet into a powerful payment terminal to accept payments on the go.
• Free Square Point-of-Sale app. The free Square POS app allows you to accept payments, track inventory, generate sales reports, and create and send invoices.
• Free online store with Square Online. Square Online is a website builder that lets you create and manage a basic online store. It has ready-to-use templates to help you establish your online presence fast.
• Sell online without a website. If managing a website sounds like too much work, you can use Square’s Buy buttons and QR codes to sell without an actual website. You can share these in your emails, social media, and anywhere else you see fit.

See our in-depth Square review for more information.

9. Sekure Payment Experts: Flexible Plans And Same-Day Funding

Sekure Payment Experts has three pricing models – Simplified Flat Rate, Interchange Plus, and The Edge program – suiting various business types. The flat rate model, with one flat fee of around 3.5% + 19¢ (in-person & online) regardless of the card type or payment method, particularly suits startups and small businesses that don’t qualify for a merchant account but need predictable monthly processing costs.

If your business outgrows flat rates, you could switch to its Interchange Plus plan with no monthly fee and average transaction fees of 2.99% + 19¢ (in-person & online). Alternatively, Sekure can provide a custom plan tailored to your needs. It also provides custom plans tailored to your needs. Additionally, Sekure’s Edge program helps you save up to 100% on processing fees by passing 4% transaction costs to customers paying by card, available for a flat monthly fee of $39.95.

While Sekure leans towards higher transaction fees, its extensive partner network can potentially provide savings on top e-commerce and business integrations. Moreover, you receive funds on the same or the next business day with no extra fee.

Features and Benefits

• Choose your free equipment. Sekure offers free hardware without the burden of monthly, annual, or PCI compliance fees.
• Breach forgiveness. Sekure’s PCI Plus program includes breach forgiveness of up to $100,000, offering significant financial protection for businesses classified as PCI Level-3 or PCI Level-4. This means you won’t pay for breaches up to this amount, a crucial safety net for small, budget-sensitive businesses.
• Free virtual terminal and a discounted gateway. Sekure provides a free virtual terminal, reducing upfront costs for businesses that process MOTO payments. It also offers the popular Authorize.net payment gateway at a significantly discounted rate and integrations with other payment gateways like Cybersource.
• Variety of e-commerce solutions. A personal payment expert from Sekure will prepare a tailored e-commerce plan for your business. Sekure provides e-commerce solutions through its extensive partner network, including platforms like BigCommerce, WooCommerce, and Volusion.

Read our in-depth Sekure Payment Experts review for more features.

Partner With the Best Instant Funding Credit Card Processing Company for Your Business

If you need fast access to funds through same-day payouts, next-day transfers, instant deposits, cash advances, or other business loans, partner with a credit card processor that offers these services at reasonable rates. My top recommendations give you fast access to money under the best terms.

If you want to have the convenience of multiple payout options, Paysafe is my top recommendation. Its Accelerated Funding feature lets you choose between express, same-day, or next-day funding.

LMS offers cash advances and business loans if your business needs additional funding beyond its current sales. Its straightforward pricing model also ensures you only pay for what you need.

Or, if you’re a high-risk business seeking financing, consider PaymentCloud. It offers a 98% approval rate and provides different funding types, including asset-based and bridge loans.

Here’s a side-by-side comparison of the best instant funding credit card processors:

FAQ

What is instant credit card payment?

Instant credit card payment refers to the immediate transfer of funds from a customer’s credit card to your merchant account upon transaction approval. This eliminates delays, giving you faster access to your revenue. However, it’s a unique feature that is available only through a select group of payment processors.

What’s the difference between accepting credit card payments instantly and instant funding?

Accepting credit card payments instantly means you can start processing payments as soon as you sign up with a payment processor, but it doesn’t mean you’ll get the funds instantly. Instant funding refers to receiving the money from those sales/transactions immediately rather than waiting for standard processing times.

How does next-day funding work with merchant services?

Next-day funding in merchant services allows you to receive funds from your processed transactions within one business day. To qualify, you typically need to batch your daily transactions before the specified cutoff time set by your payment processor.

What merchant services offer next-day funding?

Several merchant services like Paysafe and Leaders Merchant Services offer next-day funding. Paysafe goes a step further with same-day payouts, giving your business even greater flexibility and cash flow efficiency.

Who offers the best credit card processing fees?

Paysafe offers the best credit card processing fees, starting as low as 0.50% + $0.10. It even has a surcharging pricing model where you pass the processing fees to your customers and keep 100% of your sales. Leaders Merchant Services also offers excellent rates going as low as ~0.15% + $0.

How can I speed up my credit card processing?

To speed up your credit card processing, use multiple payment terminals and accept various payment methods to reduce customer wait times. You can negotiate with PaymentCloud to get multiple free Dejavoo terminals, which support credit and debit cards and digital wallets like Apple Pay. These other top payment processors also offer a wide selection of POS hardware and accept numerous payment types.