EBT Credit Card Processing

100% Transparent Pricing

Join more than 50,000+ convenience stores and grocery stores that have made the switch to Bankcard and simplified their EBT acceptance. With a flat rate, unlimited transactions, and 24/7 support, processing EBT payments is a breeze.

EBT Merchant Account Overview

Our program is designed to make growing your business easier by opening your doors to customers paying with EBT cards. Here’s why our customers love us:

  • Free EBT processing equipment 
  • No interchange or per-transaction fees
  • Unlimited transactions
  • Easy access for tracking EBT transactions
  • 24/7 support team
  • Free EBT machine & pin-pad
  • Lifetime warranty
  • $75 flat monthly fee
  • No contract

Already have your own equipment? No problem. We’ll work with you to integrate EBT into your system. 

EBT application

Fill out the form and we’ll be in touch right away!

ebt credit card processing merchant account

EBT payment processing

Every year, electronic benefit transfer (EBT) card payments account for roughly 2.6 billion transactions per year. The EBT system allows state welfare departments to issue benefits via a magnetically encoded payment card. 

Opening your doors by accepting EBT payments allows you the opportunity to grow your business while providing EBT customers access to your goods and services.

How to accept EBT payments

You must be eligible, approved, and authorized to accept EBT transactions before you can process these types of payments.

Fortunately, the requirements for approval are straightforward.

accept EBT payments

Be sure you meet the requirements

Stores must meet one of two requirements for staple foods (those that are most often prepared at home and account for a substantial portion of a person’s daily diet).

SNAP eligible foods must account for more than 50 percent of your store’s retail sales. Or, you must sell at least three varieties of qualifying food in each eligible food group, PLUS, offer perishable foods in at least two qualifying groups:

  • Breads and Cereals
  • Dairy
  • Fruits and Vegetables
  • Meats (including Poultry and Fish)

How to start accepting EBT payments

From signup through setup, we make accepting EBT easy and painless. We can help guide you through the process and get you going in no time.


Register for SNAP

Complete the FNS application process to become a SNAP/EBT authorized retailer. You should receive an application notification within 45 days.

Apply on Our Website

Once you’re approved as a SNAP authorized retailer, you will be assigned an FNS number.

Apply online with our quick and easy application to start processing EBT payments.

Start Accepting Payments

Once you're approved for an account with us, your free EBT processing equipment will be shipped for next-day delivery.

With 24/7 support, we’ll help get your EBT processing up and running in no time.

Our EBT Merchant Account Features

Our program is designed to make running your business easier and open your doors to customers paying with EBT cards. Why do businesses choose us? It’s simple:

Free Equipment

Reduce your overhead expenses by eliminating the need to lease or purchase costly EBT equipment.

24/7 Support

Get the support you need to get up and running or troubleshoot along the way. We’re here to answer your questions and fix any problems that may arise.

Predictable Costs

With one flat monthly fee, you enjoy the convenience of knowing your costs. Budget more effectively and save time on bookkeeping.

Unlimited Transactions

No matter how much of your business comes from EBT transactions, there's no need to worry about limits-swipe away!

Simple Application

No one likes paperwork. We’ve streamlined the process with a quick and painless online application.

Online Reporting

Access all of your account information, transactions, and statements online. Submit support requests through our online portal in minutes.

EBT Credit Card Processing Fees

100% Transparent Pricing

Flat EBT


Flat Monthly Fee


Transaction Fee


Batch/Settlement Fee


Annual Fee


Setup Fee


Cancellation Fee

Whether you’re switching providers or just getting started, we can help grow your business with simplified EBT payment processing.

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