Retail solutions
Card-present, online and mobile acceptance, customized to how you sell — from a single storefront to a national operation.
Learn more →Merchant services & payment processing
Merchant processing, reimagined.
From the neighborhood eatery to the largest online operation, Oak's broker network matches your business with the right processor and payment solution — with concierge-level service behind it. We speak processing.
Solutions
Everything you need to take payments — and keep more of every one.
High-risk solutions
Load and bank balancing for businesses that demand it, with domestic and international processing options.
Learn more →ACH payments
Let customers pay straight from checking or savings — a simple, lower-cost alternative to cards.
Learn more →Hardware & software
Terminals, POS and gateways chosen for your business, set up and backed by ongoing support. All PCI compliant.
Learn more →Chargeback management
Integrated tools that keep dispute ratios in check — essential for merchants in the high-risk space.
Learn more →Merchant loans
Working capital to bridge lean seasons or fund what's next, sized to your business.
Learn more →Gift & prepaid cards
Bundled or custom-designed gift card programs, plus single-use and reloadable prepaid debit.
Learn more →Bespoke solutions
Unique needs get unique builds — from event ticketing to proprietary rebate programs.
Tell us what you need →The Oak pledge
The payments partner that actually picks up the phone.
Our success starts with the integrity of our agents and ends with the satisfaction of the merchants they serve. That's why we work only with agents of the highest caliber — and deliver the concierge service today's leading companies expect.
Concierge service
A dedicated team that knows your account — not a call queue.
Protect your data
Every Oak solution is PCI compliant, from terminal to gateway.
High-risk expertise
Load balancing, bank balancing and chargeback tools for complex businesses.
Capital when you need it
Merchant loans that help steady cash flow through lean times.
Who we serve
Built for the way your business gets paid.
OPG Vending Solutions
Digital vending, cashless from day one.
Card and mobile-wallet acceptance for vending machines, kiosks and unattended retail — with the reporting and support to keep every unit earning.
Explore digital vendingJoin our agent network
Build your book of business with Oak.
We educate and partner with agents of the highest caliber — and give them the products, pricing and service to win and keep merchants.
Payments insights
View all 215 stories since 2017 →Need help finding the right solution for your business?
Tell us how you sell today. We'll come back with a payment setup — and pricing — built around it.