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NoRate.com CEO Robert Livingstone started in BNI in 2008 while working as a sales representative for a credit card processor. Joining a BNI group in his early 20’s and seeing so many inspiring entrepreneurs gave Robert the courage and motivation to start his own payments consultancy in 2009.
As a big believer in BNI Principles, especially Giver’s Gain. NoRate™ has been fortunate to be the recipient of thousands of BNI referrals from members who trust our payments expertise.
If you are in BNI and would like to refer yourself or someone else, please fill out the contact form on this page for additional discounts.
See What Our Clients Say
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...”
Why Choose Us?
$0 Application Fee
Really, no charge to start service with us.
$0 Early Termination Fee
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.
Education and Transparency
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.
Ethics and Experience
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.
Faster Collections
We want you to get paid easier and faster. Upgrade your capabilities to payments to keep your receivables at a minimum.
Full Access To The Marketplace
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.
Happy Client Priority
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.
Increase Sales
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.
Multiple Layers of Support
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.
Next Business Day Funding
Get your money asap. Don’t wait multiple days to get paid when accepting credit cards.
No Garbage Fees
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.
Onboarding Support
We make sure that your transition is as seamless as possible when you change to a new platform, hardware or gateway.
Reviews From Happy Clients
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.
Security
We make sure that you are accepting payments in the most secure manner to protect your clients and your business.
Small Business, Big Reach
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.
Technology
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.
Based in USA