Keep more of every sale - know exactly what you’re paying for payment processing.
Reduce processing fees (and keep them low!) Simplify how your business accepts payments, all while working with someone who knows you by name.
Your Payments Watchdog
CW Payment Services is your personal watchdog in the merchant services industry.
As confusing and convoluted as most try to make it, credit card processing is one of the most transparent industries out there.
Keep your account monitored at all times, your rates low, PCI compliance maintained, and work with a local agent who answers your questions.
Our goal is to show you which fees are legitimate, which aren’t, and how to avoid unnecessary costs.
Services
Build a payment system that’s simple, integrated across all platforms, and has minimal fees.
Credit & Debit Card Processing
Fast, secure payment solutions for in-store, online, and mobile transactions.
Mobile Processing
Take payments anywhere with wireless terminals and mobile readers.
Virtual Terminals
Process payments from any computer using a secure online dashboard. Ideal for offices, service businesses, and remote billing.
Check Processing
Offer customers more payment options with electronic check acceptance that speeds up deposits and reduces risk.
Point of Sale Systems (Clover, Korona, Talech)
Modern POS systems that streamline checkout, track sales, manage inventory, and simplify reporting.
Countertop Terminals
Get durable and easy-to-use terminals for traditional checkout environments (plus your first terminal is free!)
Loyalty Programs
Build customer loyalty with gift card programs that encourage repeat business.
PCI Compliance
Be guided through the compliance process to keep your business protected, your customers’ data secure, and your rates from increasing.
Tele/Moto Processing
Accept payments over the phone or through manual entry with secure, compliant processing tools.
B2B Processing
B2B businesses: lower your interchange rates and get paid faster.
eCommerce Gateways
Connect your website to secure online payment processing with fraud protection, recurring billing tools, and seamless checkout experiences.
Interchange Optimization
Ensure your transactions are processed at the lowest possible interchange rates with cost-reducing strategies.
The Story Behind CW Payment Services
The idea for Central Wisconsin Payment Systems didn’t come from a business plan or a sales pitch.
It came from getting ripped off.
Before entering the credit card processing industry, I was involved in building a restaurant with my uncle. He ran a separate, very large and successful operation that processed hundreds of millions of dollars through his bank annually. When it came time to set up credit card processing for the restaurant, the advice was simple: just go to the bank — they’ll take care of you.
So that’s exactly what I did.
Within two months, another agent walked in, reviewed our statement, and showed me how badly we had been overcharged. The rates and fees were excessive, the structure was confusing, and the costs were far higher than they should have been — all from the same bank my uncle trusted with hundreds of millions of dollars.
This experience led to the question: if my uncle was treated that way by his bank, with that kind of relationship, what was happening to everyone else?
It was this question that sparked the conception of Central Wisconsin Payment Systems in 2004.