Dignity, discretion, and deposit flexibility.
Large-ticket processing, installment-friendly billing, and reliable underwriting for a business that can't afford surprise holds.
The wrong time for a payment problem
Funeral services often involve a single large ticket — frequently in the five figures — paid by a grieving family, sometimes split across multiple cards or family members. That profile triggers underwriting flags at generic processors: high average ticket, card-not-present, multiple cards on one transaction. The result is reserves, holds, or a declined authorization during an interaction that cannot tolerate friction. We underwrite funeral homes correctly from the start — realistic ticket sizes, card-on-file for installments, and authorizations that clear on the first try.
The right program for this category
Cash Discount / Dual Pricing (0% processing)
Our first-choice program for this category.
Interchange-Plus if you prefer to absorb the fee
Honest pass-through alternative — no surprise markups.
Cash discount is available, but many funeral homes choose to absorb processing cost given the sensitivity of the service. Interchange-plus is the most transparent pass-through option if that's the route you prefer.
Hardware, POS, and gateway matched to the category
Payment terminals
Dejavoo Z11 countertop, Clover Flex for arrangement-room use.
Point-of-sale systems
Clover or EposNow integrated with your funeral-management software. We connect at the processor layer so your existing workflow stays intact.
Gateway
NMI for installment payment plans, online deposits, and family-split multi-tender workflows.
Add-ons and integrations
High-ticket authorization thresholds, tokenized card-on-file for installment plans, multi-tender for family-split payments.
Category-specific safeguards
- Correct MCC 7261 placement
- High-ticket authorization configured in underwriting
- Tokenized card-on-file for installments
- PCI support included
Common questions
Can we split one service across several cards?
Yes. Multi-tender transactions are supported at the terminal and in the gateway, with a single consolidated receipt.
What if a family pays in installments?
We set up tokenized card-on-file with a recurring or scheduled-charge plan so families can pay on a cadence that works for them.
Will a five-figure authorization get flagged?
Not if underwriting is set up correctly. That's the part most generic processors get wrong on day one. We configure it before your first service.
Ready for a real quote?
Send your last statement. A specialist returns the math and the program that fits your business — usually the same day.