Changing the industry one business at a time

About us

We offer 24/7/365 U.S. based customer service while being able to talk to us live with little to no hold times

How can we help you

Success defined in a different way

Capital Payments, Inc. defines success by the happiness of their clients and the number of businesses they have helped and not in their portfolio growth. It is Capital Payments duty to offer the industry’s lowest rates, top of the line products, and the industry’s best customer service for all your processing needs nationwide. We are devoted to our client’s best interests every single day as we continue to offer the most innovative solutions, technology, and processing programs to ensure your business not only runs smoothly but also at the lowest cost possible.

Low-Cost Guarantee program

Flat Rate for Life program

Gift & Loyalty Program

Ironclad Guarantee Letter for every client

Text to Pay options

Credit Card Terminals (EMV Compliant)

POS Software (EMV Compliant)

E-Commerce (Chargeback protection)

Mobile Processing (EMV Compliant)

Contactless payment options

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Save up to 90% off credit card processing fees today

About us

Who we are

Capital Payments, Inc., has over 30 years of combined experience within the merchant services industry. Capital Payments was formed to truly make a difference in an industry full of lies and deceit. We pride ourselves on honesty, trust, transparency, and integrity. We view all our clients as equal members of our family instead of using profit margins as a leveling scale of attention and support.

From the very beginning, our motto has been “Change the industry one business at a time”, and we stand behind it day in and day out. We want all our clients to feel like they have a real home here and are not constantly worried about checking their bill every month to see if their rates have gone up or frustrated by the fact they cannot get ahold of someone in a desperate time of need.

Our trained professionals analyze the way you are taking transactions, the card types you are taking, to customize a program that fits the needs of your business and that is the most cost-effective for you.

Once you are on one of our programs, we do not raise your rates, leave you out to dry when you are in need of support, and we will not let you down.

When you join the Capital Payments family, we are confident you’ll never leave. We are putting faith back into so many business owners that there is at least one honest and great company in our industry! That business is Capital Payments, Inc.

Our team

We are ready to serve you

Chuck Spicer

Chuck Spicer


Chuck has been successful in many areas of business and has brought that same thought process and determination to Capital Payments, Inc.

Chuck has always believed in “Treat others the way you want to be treated” and thus far it has gifted him with success. He has always set the foundation of his businesses on Trust, honesty, and transparency.

Chuck strongly believes in keeping your word and doing things the right way, every day and that’s what we do at Capital Payments, Inc. Each and every day we set out to help the next business in need and ensure that once they make the switch to Capital Payments it will be the last switch they will ever make.

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Bryce Vincent

Bryce Vincent

Business Development Partner

Bryce grew up in the Portland, Oregon Metro Area.


Bryce has been in the merchant services industry for over 13 years. He has worked for some of the largest merchant service providers throughout the nation. Although always being a nation’s top performer, he found one common denominator; lies, deceit, non-trustworthy, and most of all, false promises.

That is where Capital Payments, Inc. came to fruition and has grown exponentially over the years. Bryce wanted to be a part of a company that puts its clients first and stands behind its promises. Bryce has helped Capital Payments, Inc. grow into having one of the best reputations in the industry.

While Bryce has achieved a great deal professionally, he takes the most pride in being a good husband and father. His wife and kids are his highest priority. Bryce wants to set a new standard for the industry, a higher standard, one that he hopes companies will follow in his footsteps and change the way people view the industry by being honest, transparent, and not doing what is most profitable for the company, but what is best for the clients of the company. Bryce looks forward to watching both his business and family continue to grow.

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We offer 24/7/365 U.S. based customer service and talk to us live with little to no hold times

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