Welcome to No Rate.com, where expertise meets innovation in the realm of credit card processing services. With over 16 years of industry experience, No Rate™ is at the forefront of revolutionizing merchant services.
NoRate.com is a division of Palm Beach Merchant Services, a national payments consultancy started in January of 2009 by Robert Livingstone to help businesses survive The Great Recession.
As the trusted source nationally for reporters, Robert has been featured for his payments industry expertise in high-tier media outlets such as Bloomberg Businessweek, Entrepreneur Forbes, Fox Business, USA Today, The Wall Street Journal and many others.
Robert has also been featured as an enterprising CEO in South Florida locally in the Palm Beach Post and the Miami Herald as well as in industry trade magazines such as Ecommerce Times, Medical Office Today, Pizza Today and Restaurant Hospitality
As a family business, we are aware of all of the challenges with owning and running a company, which makes us uniquely positioned to relate to other business owners and their concerns. If you’re sick of talking to sales reps who talk a big game and disappear once the ink is dry, you’ll find NoRate.com to be a refreshing change of direction.
NoRate.com operates with the same consultancy model, which means that we represent the business, not the credit card processors. Due to our scale, we are able to get bulk industry discounts for our clients as well as access to solutions not readily available to most small businesses.
NoRate.com is proud to offer virtually the entire marketplace of products, whereas our competitors are typically tied to one credit card processor and only a couple of solutions. We don’t seek to put a round peg in a square hole just to get new clients. We want to solve the greatest concerns that our clients face including ease of use, efficiency, pricing, security, technology.
The best part about it is that we don’t collect any money from our clients. You get all of our advice and expertise without cutting us a check.
The payments landscape is changing. 15-20 years ago, when our team started in the payments industry, there were only 2 options for most businesses. Either, a standalone terminal or a virtual terminal/gateway for card-not-present transactions.
The standard process in the payments industry is to invite potential clients on a Zoom call or go to their location to force feed limited solutions and use high-pressure tactics to close a sale. Upon the client’s signature the sales rep disappears and the client has to figure out how to activate service.
Robert Livingstone has served as the Founder and Chief Executive Officer of Palm Beach Merchant Services Inc, the parent company of NoRate.com since 2009. Robert served as a specialized payments auditor for clients nationwide who were abused by large financial institutions and their associated credit card processing fees. The vision for his company was inspired by helping to level the playing field between small mom and pop businesses and the large payments providers. While many of his peers scoffed at this business model, Robert and his team found great success and scaled the company nationwide.
Robert has been featured for his industry expertise in outlets such Forbes, USA Today, Bloomberg, Yahoo! Finance and dozens of other industry publications. Due to the fact that Robert offers an unfiltered glimpse into the word of payment processing without holding back any information, he is often sought out as a source of truth in an industry rampant with misinformation.
Over time, clients from across the country asked if there were any options to reduce credit card acceptance costs even further. After conducting thorough research, Robert crafted the NoRate program to offer the greatest savings to small and medium businesses, often resulting in savings of $2k+ per month in fees.
We hope your company will reach out to Robert and his team to start your savings below.
We love to hear what our clients have to say about their time with us! So feel free to leave
us some feedback if you have worked with us in the past and love our work as much as we do.
“I have been with no Rate for almost 18 months and my credit card processing fees were reduced by over $30,000!”
Marc C.Accountant
“We have benefited from nearly a decade by having Robert and team navigate & mitigate complicated processing costs at our businesses. We are thankful...”
Marty S.Business Owner
“Absolutely hands down the best customer service you will find these days! In a time where it seems that customer service is dying off, it's nice to know...”
Rob M.Business Owner
“NoRate.com has got to be the best Merchant service provider I have ever worked with mostly impart to the customer service you will get from Robert...”
Plinio V.Business Owner
“I was referred to Robert by a friend of mine period and he did not disappoint exclamation point as a new business owner comma Robert made sure that...”
Yvonne L.Business Owner
“Robert was extremely thorough, detailed, and knowledgeable. The business that Robert was assisting with is in an industry that is considered extremely high risk...”
Clif C.Business Owner
“There are so many offers and sales pitches that the trust required to make the change has been hard to find. My client and I have been very fortunate to have found Robert...”
Christina P.Bookkeeper
“Robert was helpful & patient throughout the entire onboarding process with implementing credit cards for our business. A true pro every step of the way...”
Taimir T.Business Owner
“Thank you. 🙏
Jan G.Business Owner
we have been in business for many years period no rate.com has given us a great experience period...”
Most companies are dissatisfied with their current payment solution. Unfortunately, without any true regulation or certification governing credit card processors and what they do or say with their clients, there is a lot of dishonesty in the marketplace. Lack of honesty and high-pressure sales tactics leads to distrust by companies who would otherwise seek change.
NoRate™ is unique in that we only work for clients, not credit card processors. We don’t have sales quotas or bosses, which normally result in high-pressure sales tactics.
By working for clients, NoRate™ is uniquely positioned to find the best options and service providers in the marketplace at no out-of-pocket cost. Our scale of clients allows NoRate™ to offer the best possible pricing, including 0% out of pocket, and the widest selection of options to make sure that we find the best one for you.
Really, no charge to start service with us.
Stay with us because you want to keep using our amazing services, not because we penalize you to leave. Our agreements are month to month without any early termination fee.
We will dive deep into your business to find the best solutions for your needs. We’ll walk you through our logic and always give you multiple options to choose from to make you 100% comfortable.
The payments world is a dirty business without any licensure or certifications. We didn’t just pop up yesterday. Our parent company, Palm Beach Merchant Services, has been in business since 2009 and works mostly by referral.
We want you to get paid easier and faster. Upgrade your capabilities to payments to keep your receivables at a minimum.
We don’t work for any credit card processors. We have access to all major processing networks including Elavon, EPX, Fiserv, Global/TSYS, Vantiv/WorldPay.
We want our clients to be happy. If you are not happy with your platform or pricing model, we’ll be happy to make the changes necessary to meet your needs.
We also want to help drive more sales for your business. By offering consumer financing or pay-over-time options, you’ll increase sales and conversions.
You’ll receive a dedicated account manager from NoRate™ as well as direct 24/7 tech support. Whether you have a specific question about your processing setup or a tech emergency, we have you covered.
Get your money asap. Don’t wait multiple days to get paid when accepting credit cards.
Credit card processors love to make up additional rates and fees. We don’t tack on any junk fees. You’ll know exactly what you are paying for.
We make sure that your transition is as seamless as possible when you change to a new platform, hardware or gateway.
There is a reason that we have a 5.0 star rating on Google with over 100 reviews. We strive to make our clients happy.
We make sure that you are accepting payments in the most secure manner to protect your clients and your business.
We are a small business just like yours. Whether your company is located near our offices or across the country, we’ll make you feel like part of our family.
We are constantly scouring the marketplace for the best and most secure technology. Don’t accept payments with outdated hardware or platforms that will fail you at the worst times.
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Based in USA