Small Business
Credit Card Processing
Industry-leading service. Your lowest credit card processing fees yet.
Partnerships
Made Simple.
We Proudly Partner with Small- and Midsized Business Owners Like You
Our goal is to make credit card processing accessible to all.
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 specialize in identifying opportunities to lower your monthly bill without compromising on service quality.
Tailored Solutions
Your business is unique and so are your payment processing needs. Our team will work with you to help set up your new equipment, lower your rates, and answer questions at any time.
Dedicated Support
Our customer-centric approach means you’re never alone. We’ll support you every step of the way, beyond just setting up your equipment.
Currently offering a
Free POS System
Meet the P8
Our flagship terminal, built for modern commerce
The P8 is Harlow’s most advanced payment terminal—designed to deliver speed, reliability, and a premium checkout experience in one sleek device. Whether at the counter or in a fast-paced retail environment, the P8 handles high transaction volumes with ease while keeping every payment secure.
Powered by a modern Android platform, it combines intuitive usability with powerful performance, giving businesses the flexibility to operate smarter and serve customers faster.
Never switch payment solutions again
Harlow is the most comprehensive and accessible small business credit card processing solution.
Lower Rates
Our team reviews your current rates so that we offer you the lowest rates possible, guaranteed—even on rewards cards.
Surcharging Options
Our surcharging options are designed to proactively protect your financial security, helping you earn the most on every transaction.
Payment Experiences
Our POS and payment solution work together to give your customers the most client-first payment.
Price Protection
If you find a better offer, we promise to beat it. We will ensure you are paying the lowest rates any time after you sign up, so you never have to switch credit card processors again!
- PayFac
Embedded PayFac
Payments inside your platform. Revenue inside your business.
PayFactory’s Embedded PayFac enables ISVs and SaaS platforms to seamlessly embed payment facilitation directly into their software creating new revenue streams while increasing customer retention and “stickiness.”
From onboarding to secure payment flows, the platform supports encrypted and tokenized transactions, fraud monitoring, and streamlined launch paths so you can go live quickly.
News & Updates
- New
Stay informed with the latest announcements, insights, and developments in payment solutions and point-of-sale technology.
The Rise of Contactless Payments in San Francisco
How to Choose the Right POS System
Top 5 Features Small Retailers Should Look for in POS Software
Ready to power your payments?
Whether you’re looking for reliable hardware or want to embed payments directly into your platform, Harlow Payments gives you the tools to move faster and grow smarter.
Lower Credit Card Processing Fees.
No Payment Method Restrictions.
