Service Areas · Waco, Texas

Merchant Services in Waco, Texas.

POS systems, payment processing, dual pricing, and same day funding for Waco businesses — from a Texas partner that answers the phone.

Get Started (214) 838-1818
At a glance

Lone Star Payments serves Waco (McLennan County, pop. ~145,000) with POS systems, payment processing hardware and software, compliant dual pricing, PCI security, and same day funding. Preconfigured hardware ships overnight with live remote install and Dallas / Ft. Worth-based support.

Payments, built for how Waco does business

Between Baylor and a home-renovation-fueled tourism boom, Waco's downtown transformed in a decade — silo-district crowds now queue at boutiques and bakeries that didn't exist five years ago. Tourist-scale weekends need tourist-scale checkout.

We serve Waco statewide-style: preconfigured hardware ships overnight, a live Dallas / Ft. Worth-based specialist walks your team through a sub-one-hour install, and overnight replacement backs every device.

  • ★Dual pricing, configured for Texas: post a cash price and a card price and offset most processing costs — see the Texas card fee rules
  • ★Same day funding: batches before the cutoff land in your bank the same business day — how it works
  • ★Now offering Square: point of sale, hardware, and online tools from Square, set up with you by our Dallas / Ft. Worth team — see Square
  • ★Free statement review: send one month, we show your effective rate and what you'd save
The Waco market

Where Waco Does Business.

Waco’s week has a shape: tourism builds toward Friday, peaks Saturday around the Silo District and spills down Austin Avenue, then hands the town back to locals by Monday. Layer Baylor on top — move-in, home football Saturdays, graduation — and certain weekends stack both waves at once. Merchants here live with a five-to-one swing between their quietest and busiest days, which changes everything about payments: hardware headroom, staffing extra registers, and honest month-over-month reporting that doesn’t mistake a Baylor weekend for a trend.

Beneath the tourist economy, Waco is a genuine regional hub — healthcare, distribution, a growing food scene that serves residents rather than visitors, and the small manufacturers and trades that predate the boom. Those businesses care less about Saturday surges and more about fundamentals: predictable effective rates, B2B invoicing that corporate customers can actually pay, and service companies collecting in driveways across McLennan County. A payments partner in Waco has to serve both towns — the one on television and the one that was always here.

We deploy across Waco the same day-one-ready way — a Silo District boutique, an Austin Avenue restaurant, or a shop in Baylor’s Fifth Street orbit. Hardware arrives overnight, preconfigured in Dallas / Ft. Worth with your menu and pricing loaded; a live Dallas / Ft. Worth specialist runs the remote install with you in under an hour; and if anything fails on a Friday, a replacement is there before the Saturday crowds are.

Districts & corridors we serve in Waco

★The Silo District ★Downtown along Austin Avenue ★Baylor’s Fifth Street area ★Elm Avenue in East Waco ★The Valley Mills Drive retail corridor
What we deploy in Waco

Solutions Waco Businesses Run On.

★Square POS (New) ★Gift & Novelty ★Boutique ★Coffee Shop ★Restaurant ★Bakery ★Hotel & Hospitality
New  Square in Waco

Square, Built For Waco’s Saturday Rush.

Waco’s week builds toward Saturday. Visitors pack the Silo District and spill down Austin Avenue, Baylor weekends stack a second wave on top, and by Monday the town belongs to locals again. Square lets a boutique, bakery or coffee shop size checkout for the peak without extra counters sitting idle all week: staff add a phone-based tap line on Saturdays, then put it away. Shops along the Valley Mills Drive retail corridor, Elm Avenue in East Waco and Baylor’s Fifth Street area get the same item library on every device. We handle Waco setup remotely: a live specialist, connected from Dallas / Ft. Worth, configures modifiers, tax rates, tip screens, staff permissions and hardware with your team, then trains everyone before the weekend that matters. Browse the Square lineup.

Visitor tapping a phone to pay at a Silo District bakery in Waco
Square Reader / Tap to PayOn a Silo District Saturday, staff can work the line with Tap to Pay on their phones, so a second checkout lane appears only when the crowd does.Learn more Square AppointmentsCleaning crews that turn over short-term rentals around Waco can let hosts book online around the clock and collect a deposit to hold the slot.Learn more Square Loyalty & Gift CardsAustin Avenue bakeries and coffee shops can use a points program and email or text offers to bring locals back on the quiet weekdays after visitors head home.Learn more

Talk To A Specialist About Your Waco Business.

One call gets you a straight answer on pricing, hardware, and timelines — and a free review of your current statement if you have one handy.

Contact UsTake The 60-Second Quiz

Waco Merchants Ask Us

Does Lone Star Payments serve Waco?

Yes — Waco is a core service area. We serve Waco statewide-style: preconfigured hardware ships overnight, a live Dallas / Ft. Worth-based specialist walks your team through a sub-one-hour install, and overnight replacement backs every device.

What should credit card processing cost in Waco?

The same as anywhere honest: an all-in effective rate of roughly 2.5%–3.5% depending on your card mix, with every fee above interchange disclosed. Waco merchants can send us one statement for a free review.

Can Waco businesses use dual pricing?

Yes. Texas is one of the most merchant-friendly states for compliant dual pricing — posting a cash price and a card price — and we configure the hardware, receipts, and signage end to end.

Saturday crowds overwhelm our little shop — what helps most?

Line-busting handheld readers, tap-first checkout, and a second lane that appears only on weekends. Waco's tourism pattern is predictable — your hardware should be sized for the peak, not the average.

Waco’s restaurant scene is getting competitive — how do we pick the right POS?

Start from your service style — counter service, full service, and bar-driven concepts each point to different systems — then weigh kitchen throughput, online ordering, and what your staff can learn in a weekend. Our guide to choosing a restaurant POS walks through the decision, and we’ll spec it against your actual menu for free.

We clean and service short-term rentals around Waco — can we take payment in the field?

Yes — mobile readers and text-to-pay invoicing let cleaning crews, hosts’ handymen, and other tourism-adjacent service businesses collect on site or the moment a job wraps. See our field-service payments guide for how crews and back office settle together.

Can I get Square through Lone Star Payments in Waco?

Yes, and the timing is built around your weekends. Working remotely with you, our specialist covers plan and hardware choice, the item library, tax and tip settings, permissions and device pairing, then trains staff, with go-live set for a quiet weekday so everyone knows the system before Saturday. Square approves and runs the account itself; ongoing questions come to us at (214) 838-1818.

On The Ground In Waco

Nearby Service Areas

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