Houston, Texas
Card processing at cost, priced from your statement, for Houston businesses
Houston's restaurants, family-owned retail and the industrial service companies along the Ship Channel all run on card payments, and all of them pay for it. We help Houston-area businesses switch to cost-plus pricing, and help B2B sellers cut the cost of corporate cards with Level 3 data.
- Serving Montrose, The Heights, Midtown & more
- Month-to-month
- AI answers 24/7, people on weekdays
Doing business in Houston
Who takes cards in Houston, and what it costs them
Houston is an energy, petrochemical, port and medical city, with a huge food scene on top. Behind the big names are thousands of suppliers, fabricators, field-service firms and distributors that bill other businesses, plus the neighborhood restaurants, salons and shops that serve everyone who works there.
Most processors price all of that with tiers or bundled rates, so the markup is hard to see. With cost-plus, interchange and card-brand fees pass through at cost, exactly as Visa, Mastercard, Discover and Amex set them, and Mojo builds a pricing program on top from your own statement: each part of the bill priced separately, the lowest price on the payments you run most, and tools that cut the cost of the rest. How our pricing works →
Areas we serve
Montrose · The Heights · Midtown · Katy · Sugar Land · The Woodlands · Pasadena · Pearland
- No tiers or "non-qualified" rates
- Every fee shown, current next to proposed
- Month-to-month, no cancellation fee
- Live in about 3 business days
Houston merchants
Why cost-plus fits Houston businesses
Industrial suppliers & field services
Invoices paid by corporate and purchasing cards. Level 3 line items can cut what those cards cost, and cost-plus shows you the difference line by line.
Restaurants
Lots of premium rewards cards. With cost-plus, each card passes through at its real interchange cost instead of falling into an expensive tier.
Convenience & retail
Thin margins and many small debit transactions. Debit costs little at interchange, and cost-plus lets you keep the savings.
Salons & spas
Steady, mid-size tickets with tips. Cost-plus has no tiers, so there are no surprise "non-qualified" charges, and every fee in your quote is shown and explained.
Level 3 in Houston
Selling to other businesses? Lower what their cards cost you.
Much of Houston's economy is business-to-business: refineries, plants, contractors and the port buy parts, services and supplies, often on purchasing cards. If you invoice those buyers, Mojo's invoice payments send each invoice's line items with the payment as Level 3 data, so qualifying commercial cards can get the lower rate.
What changed in 2026
Visa's Commercial Enhanced Data Program now checks that line items are real, and the old Level 2 rates ended in April 2026. Only invoice-quality line items qualify.
- Invoice pay links for card payments on a secure, processor-hosted form
- Your invoice's line items go with the payment as Level 3 data
- Biggest effect on corporate and purchasing cards; small-business cards save less
Switching
From statement to live in about 3 business days
Apply and upload statements
From any processor. We read them line by line: your card mix, your effective rate, and the markup hidden in tiers and bundles.
Get a side-by-side quote
Within 24 hours. If we can't save you money, we'll tell you.
Go live
On Clover or our virtual terminal, often on the equipment you have. Month-to-month, no leases.
FAQ
Houston merchant questions
Can Houston B2B companies take card payments on invoices?
Yes. With Mojo invoice payments you email or share a pay link for an invoice, your customer pays by card on a secure, processor-hosted form, and the invoice's line items go with the payment as Level 3 data. How Level 3 works.
What changed with Level 3 in 2026?
Visa's Commercial Enhanced Data Program now checks that line-item data is real, and the old Level 2 rates ended in April 2026. Only invoice-quality line items qualify, which is what Mojo sends from your invoices.
Is there a contract?
No. Mojo is month-to-month, with no cancellation fee and no equipment leases.
Is support local?
Our home base is Atlanta, and we work with businesses in all 50 states. Our AI assistant answers 24/7, and people are available weekdays, 9 a.m.–5 p.m. ET. Call (404) 918-6646.
Other cities we serve
Dallas · Phoenix · Atlanta · Miami · Chicago · Denver · Los Angeles · New York City · Boston
Mojo Payments works with businesses in all 50 states. Don't see your city? Get your free statement review anyway.
Your quote
See what Houston card processing should cost. Free, in 24 hours.
Apply online and upload your statements. We'll show you, line by line, what you pay today next to what you'd pay with a Mojo program, plus the card mix it's based on. No contract, no pressure, and if we can't save you money we'll say so.