Payment solutions that

move your
business forward

A smiling male bartender working behind the bar, using a touchscreen register, with shelves of bottles in the background.

Business owners deserve more than a one-size-fits-all payment processing option. Momentum Payments delivers the right credit card processing and POS solutions that suits you and your business.

Smiling older man with gray beard and glasses, wearing a blue jacket and a plaid shirt against a white background.

Meet Tom

Backed by more than 25 years of industry experience, Tom Downham is a true payments broker, he works for you—not for any single provider—shopping multiple processors to secure the best equipment, rates, terms, and long-term value.

Whether you’re taking payments online or need a POS system Momentum Payments is a partner who understands the pressures of running a business and ensures you have reliable, cost-effective payment tools that grow with you.

CONTACT TOM

Why Choose Momentum Payments?

A person is paying with a contactless credit card on a mobile device at a cafe table. There are glasses of water, a glass of dark soda, a smartphone, and other items on the table.

You’ve Got Options

We are not tied to any single merchant services company. We’ll shop multiple processors on your behalf, compare true costs (not teaser rates), and negotiate the right fit for your industry—especially if you’re in a field where specialized vendors or risk levels impact pricing.

Person using a card to make a payment at a checkout terminal with a touchscreen display in a retail environment.

You Get Solutions

Because every business operates differently, Momentum Payments provides access to multiple POS options and processor choices—including solutions built for specific industries with unique checkout or compliance requirements.

A tablet displaying a digital menu with food images and prices, connected to a card reader on a white counter in a cafe or restaurant setting.

We’ve Got Experience

Tom’s experience spans electronic payments, POS systems, switching services, backend processing, onboarding, billing, and support. You’re getting guidance from someone who has seen the industry evolve and knows how to protect your margins.

Three people working behind a coffee shop counter, with one man using a tablet and two others preparing drinks in the background.

You’ve Got ‘A Guy’

Since 2019 Momentum Payments has been about giving merchants transparency, freedom, and a service partner who truly advocates for them. When you need help you call “your guy,” not a department. We provide personal service that keeps your business moving ahead.

WANT TO KNOW MORE? CLICK HERE TO GET STARTED

Solutions That Fit Your Business

Whether you need a simple card reader, a full POS system, or integrated online payments, Momentum Payments has you covered.

  • Credit & Debit Card Processing – In-person, online, or on the go.

  • POS Systems & Hardware – From countertop terminals to custom setups.

  • E-commerce Integration – Secure, seamless, and built for conversions.

  • Mobile & Contactless Payments – Tap, pay, and go. We even have mobile text-to-pay options.

  • Gift Cards & Loyalty Programs - Create an opportunity for return business with these solutions.

  • High-Risk & Specialized Accounts – Flexible options for unique industries.

  • Transparent Pricing & Reporting – No surprises. No hidden fees.

Two people look at a tablet inside a store, with a display of products behind them and a staff member assisting customers in the background.
A woman with long brown hair in a red sweater smiling while speaking with another woman with curly red hair. The woman with curly hair is holding a tablet displaying a grid of images. They are inside a bright, modern shop or cafe with large windows, wooden beams, and various seating and decor.

Who We Serve Best

Momentum Payments supports a wide range of industries—from startups that need room to grow to established companies looking for better rates or more reliable service. Ideal clients include:

  • Startups scaling into established industries

  • Automotive and shop-based businesses

  • CBD, herbal/organic products, supplements, and other higher-risk categories

  • Businesses using or needing industry-specific POS vendors

  • Organizations who’ve outgrown Square, Stripe, or PayPal and want better pricing or support

  • If your industry has special requirements, higher-than-average risk, or specialized checkout needs, Momentum will find a processor equipped to support you.

Want to Know If You’re Overpaying for Payment Processing?

Most business owners don’t have time to decode processing statements, compare providers, or figure out whether their POS system is still the best fit. Momentum Payments offers a free payment processing review to help you understand your current setup, identify possible savings, and explore better-fit solutions for your business.

How It Works

  1. Tell us about your business
    Share how you currently take payments and what you need.

  2. We review your options
    Tom compares processors, equipment, rates, and terms.

  3. You get clear recommendations
    No pressure. Just honest guidance on what makes the most sense.

REQUEST A FREE PROCESSING REVIEW

What our clients are saying about Momentum Payments

  • "Not only has Tom saved our company from paying too much for credit card processing, his service is beyond exceptional. He truly delivers as promised, keeps in touch so that we are always compliant and in check, and is just a phone call away if we need anything at all."

    — Christie B., Owner