Payment Oasis Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Merchants in many different industries, including those considered “high risk,” that are interested in lower payment processing fees.

Specializes in

Payment Oasis specializes in low-cost payment processing for small and medium-sized businesses.

Pricing Summary

Setup Fee: Unknown

Monthly Fee: $0

Swipe Rate: Unknown

Keyed-in Rate: $0

Early Termination Fee : Unknown

Contract Terms:

Visit Payment Oasis

Payment Oasis started out offering ATM services but has since expanded to payment processing.

The company was founded in Houston, Texas.

They are currently updating their website to include more information on their payment processing services.

Payment Oasis Overview


Payment Oasis was founded in Houston, Texas, and is currently based in Sugarland, Texas.

The company started as an ATM placement and services company. They have since expanded to offer payment processing, as well as other services.

According to the company website, Payment Oasis is a registered Independent Sales Organization of Wells Fargo Bank.

Quick Facts

Head Quarters

Sugar Land, TX

Year Founded



Akil Momin-Owner



Merchant Provider Risk Tolerance

High Risk Businesses

What We Like

What We Don't Like

Industries Served

  • Travel

Business Types Served

  • Small Business

Payment Oasis Products & Services


Hardware & Software

Payment Oasis allows its merchant customers to accept payments through a variety of methods. Their hardware options include:

Countertop terminals
POS systems
Card readers for mobile devices

For payment online or over the phone, the company offers:

Gateway and hosted payment pages for online purchases
Virtual terminal for web-based processing

Equipment is available for free with every merchant account and is stated to work with multiple POS systems. Information on the specific brands used for their equipment is not available at this time, but they state they have multiple options available.

Value-Added Services

Payment Oasis offers multiple services in addition to payment processing. Their other services include:

Reporting: In addition to credit card processing services, Payment Oasis offers detailed reporting of customer trends, marketing campaigns, historical data, and more.

Next Day Funding: Merchants can get quick access to their money with next-day funding, and take advantage of a monthly discount for collecting processing fees.

Working Capital Solutions: Merchants in need of funding for their businesses may apply for a working capital solution (otherwise known as a merchant cash advance). The application is free and the repayment is flexible and taken care of mainly through a portion of credit card sales.

Gift and Loyalty Cards: Merchants can reward their customers with loyalty programs as well as branded gift cards. Payment Oasis offers both a loyalty card program and a gift card program for their merchant customers.

ATM Placement: Payment Oasis started as an ATM placement and services company, so merchants can also receive an ATM through them. Business owners can either use the free ATM program or purchase their own. The program includes lifetime free maintenance on the machine, and merchants may also be eligible to receive a portion of the surcharge.

Supported Payment Types & Services

Payment Oasis supports the following payment types:

American Express

Payment Oasis can also assist merchants with utilizing OptBlue pricing for American Express, which may save them money on processing fees.

Payment Oasis Payment Processing

  • Credit Card Processing
  • Online Payments

Payment Oasis Billing & Invoicing

  • Online Invoicing
  • Online Payments

Payment Oasis Advertising & Sales

Payment Oasis describes their company as a “very successful payment processor” serving “small and medium-sized businesses with fair and honest pricing.”

However, they do not publish information on how they advertise. Their website and social media profiles do not currently include information on their credit card payment processing services. Once we receive more information, we will update this section.

There are no online reports or complaints about deceptive sales tactics from this company. Payment Oasis does not have an affiliate or partnership program that they market on the company website. It is possible that this company only sells its products and services through its own in-house sales team and its website.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Payment Oasis Pricing, Rates & Fees


Payment Oasis does not advertise exact rates. Instead, it claims competitive pricing that will be unique for each business. Payment occurs via a monthly charge that is based on the size of the business.

The company claims they offer the most transparent prices in the industry, and that they help businesses save up to 40% on their fees. They do this by offering direct cost-to-cost pricing set by credit card companies so merchants don’t have to worry about being overcharged.

They advertise no contracts and no hidden fees. In addition, merchants may be eligible for free equipment.

Pricing at a Glance

Pricing Model

Tiered Pricing

Swiped Rate


Keyed-in Rate


Mobile Payment Rate


Virtual Terminal Rate


Monthly Fee


Payment Gateway Fee


Batch Fee


Early Termination Fee


PCI Compliance Fee


Equipment Lease Terms


Address Verification Service (AVS)


Application Fee


Account Setup Fee


Gateway Setup Fee


Annual Fee


Monthly Minimum


Statement Fee


Payment Oasis Contract & Terms

Payment Oasis offers monthly payment plans with no contracts or hidden fees. The monthly payment is based mainly on the size of the business.

Contract Length


Early Termination Fee


Payment Oasis Setup & Support


Payment Oasis offers 24/7 customer support and a fully certified and trained team to handle any issues with their credit card processing plan.

The company does not have a lot of details about the setup for its credit card processing services on its website. A telephone number and a contact form are available on the website and merchants can contact the company anytime.

Setup Highlights

  • Documentation / Knowledge Base

Support Highlights

  • Email Support

Payment Oasis Complaints, Ratings & Reviews

BBB Rating

There was no information about Payment Oasis on Better Business Bureau, neither negative nor positive.

Other Online Reviews

Payment Oasis features some testimonials on their website for their ATM placement services but did not offer any testimonials or reviews of their credit card processing service at this time.

There are no online reviews available for Payment Oasis at this time, neither positive nor negative.







0/5 based on the opinion of 0 people




Total Online Reviews

5 merchants reviewed it

Total Online Complaints




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