Processor Directory > Payment Oasis

Payment Oasis Review

Founded in Houston, Texas, Payment Oasis provides credit card processing services to businesses in a variety of industries, including retail, restaurants and food services, lodging, health and fitness, medical offices, and more. The company can also provide services to businesses classed as “high-risk.”

Payment Oasis has advised us that its website is undergoing an update to include more information about its payment processing services. In the meantime, here’s what you need to know about the company’s services, costs, and equipment.

Payments Services

Payment Oasis originally focused more on ATM placement and services but has since expanded to offer credit card processing capabilities. When you use Payment Oasis for your processing, you’ll be able to accept Visa, MasterCard, Discover, and American Express. The company offers OptBlue pricing for Amex, which has the potential to cost less than traditional American Express acceptance.

Related Article: What is Amex OptBlue?

When you work with Payment Oasis, you’ll have the ability to take credit cards in whichever manner works the best for your business and customers. If you take payments in person, the company can set you up with a countertop terminal, POS system, or card reader for mobile devices to allow for secure swiped transactions. Looking for online payments instead? The company can set you up with a gateway and hosted payment pages for easy ecommerce transactions. Or, if you accept payments by phone or mail, you can take advantage of a convenient virtual terminal, turning your existing computer into a secure web-based processing machine.

Payment Oasis homepage

Payment Oasis offers a choice of equipment for processing no matter which method you choose, and has options for countertop terminals, mobile payments, and virtual terminal browsers for phone or mail order processing.

You’ll also have access to detailed reporting to help you make informed business decisions. You can see historical trends for sales and other variables, evaluate marketing campaigns, and track important customer data.

The company also boasts next-day funding to give you fast access to your money, and utilizes a monthly discount system for collecting processing fees.

Related Article: Daily vs. Monthly Discount.

Other Services

Credit card processing isn’t all that Payment Oasis offers. The company also provides ATM placement services, gift and loyalty cards, and working capital cash advances.

ATM Options

In addition to processing, Payment Oasis offers an ATM placement program, allowing you to install an ATM machine in your business. You can take advantage of the company’s free ATM program, or purchase an ATM outright. Payment Oasis offers several models, including Nautilus, Genmega, and Triton machines. Prices start at $2,399.

The free ATM program is available to qualified businesses and includes placement of the machine and no cost to you for ATM transactions made by your customers. A surcharge will be assessed on transactions. You may be eligible to receive a portion of the surcharge.

The Payment Oasis ATM programs include free lifetime maintenance to ensure your machine continues to work smoothly for your customers’ convenience. ATMs are available for single locations, chains, schools, financial institutions, and municipalities.

Working Capital

For businesses that need access to additional funds to expand, purchase inventory or equipment, pay for marketing campaigns, or cover any other business expense, Payment Oasis offers working capital solutions, also sometimes called merchant cash advances. The application is free and funding boasts flexible repayment with no fixed monthly payments.

Working capital is sometimes referred to as a loan, but it’s not quite the same thing. Working capital cash advances are repaid automatically through a portion of your daily credit card sales. Additionally, there’s no fixed repayment period and no set monthly payment. Traditional interest also doesn’t apply, though there are fees associated with taking out the advance.

In some cases, merchant cash advances can be significantly more expensive than traditional small business loans. Be sure to consider all aspects of funding before taking any cash advance or loan.

Gift and Loyalty Programs

These days, most business owners want to offer gift cards or loyalty programs to drive sales and encourage repeat business. Payment Oasis offers branded gift cards and a customizable loyalty program so you can reward your most loyal customers.


While Payment Oasis references countertop terminals, POS systems, mobile devices, and virtual terminals, it doesn’t provide any details about the brands or models available. We’ve reached out to Payment Oasis for more information on available equipment and will update this review as more details become available. The company does state that equipment is available for free with your merchant account, and states that it works with several POS systems.

In the meantime, if you need equipment, be sure to browse our credit card processing equipment directory to read reviews of popular models and find the right device for your business.

Payment Oasis Rates and Fees

Like many processors, Payment Oasis doesn’t publish rates or fees on its website. Your pricing will be specific to your business. Payment Oasis claims competitive pricing and transparency, but doesn’t provide further details.

However, that doesn’t mean you can’t quickly and easily see pricing. Payment Oasis will place a free, no-obligation quote through CardFellow for you, allowing easy comparison with other processors. Here’s how it works:

The CardFellow quote request tool is completely free and private (no pushy sales calls!) and you can compare pricing from as many processors as you’d like. Try it now!

Payment Oasis Reviews

Reviews is another area that’s currently short on details. Payment Oasis doesn’t have a testimonials section on its website, nor does it have a profile with the Better Business Bureau despite the logo on its homepage.

There are also no reviews on any of the popular review channels, including Google Reviews, Yelp, Ripoff Report, or Consumer Reports.

We regularly monitor companies’ reputations online, and we’ll continue to do that for Payment Oasis as well. As reviews become available, we’ll update this profile to accurately reflect customers’ opinions of the company.


Unlike general web reviews, verified reviews are posted by businesses that have chosen the processor's quote through CardFellow's marketplace, and CardFellow has confirmed with the processor that the business is using its service. Businesses can update verified reviews at any time to ensure the review accurately reflects the processor's performance over time.

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Posted by CardFellow on Apr 25, 2018


Payment Oasis offers credit card acceptance services to businesses in practically any industry, including "high risk" industries.