Stop Overpaying for
Credit Card Processing

Get Your Lowest Rates Yet-With Service That Actually Shows Up.

Partnerships

Made Simple.

We Help Small and Midsized Business Owners Save More on Every Transaction

You shouldn’t overpay just to accept payments. We make it easy and affordable
That’s why we offer:

Price protection on every purchase

24/7 dedicated support

Cash advances for small businesses

Industry-leading low credit card processing rates

Surcharge settings and tailored credit card processing options

Cost-Cutting Expertise

We find ways to lower your monthly processing costs—without sacrificing the service you rely on.

Tailored Solutions

Your business is unique—and your payment processing should be too. We set up your equipment, cut your rates, and provide support whenever you need it.

Dedicated Support

Our customer-first approach means you’re never on your own. We support you every step of the way—long after your equipment is set up.

Get a Free POS System
Available for a Limited Time

Meet the P8

Our flagship terminal, built for modern commerce

The P8 is Harlow’s most advanced payment terminal—designed to help you move faster, stay reliable, and elevate every checkout experience. From the counter to high-volume retail, it handles transactions effortlessly while keeping payments secure.

With a modern Android platform, it offers easy-to-use controls and powerful performance—so you can streamline operations and serve more customers, faster.

Stop switching payment solutions for good

Harlow is the most comprehensive and accessible small business credit card processing solution.

Lower Rates

Get lower rates across the board—we review your current pricing and guarantee savings, even on rewards cards.

Surcharging Options

Our surcharging options are designed to protect your margins—helping you keep more from every transaction.

Payment Experiences

Our POS and payment solutions work together to deliver a faster, more seamless checkout experience for your customers.

Price Protection

Find a better offer and we’ll beat it—guaranteed. We keep your rates as low as possible long after you sign up, so you never need to switch processors again.

Embedded PayFac

Payments inside your platform. Revenue inside your business.

PayFactory’s Embedded PayFac lets ISVs and SaaS platforms seamlessly integrate payments into their software—unlocking new revenue streams and increasing customer retention.

From onboarding to secure transactions, it delivers tokenization, fraud protection, and a fast, streamlined path to launch—so you can go live quickly and scale with confidence.