Point Of Sale.

OJM Payments provides cost effective credit card processing, innovative point-of-sale systems and business loans with same day approval and funding.

The Challenge.

The payment processing industry has a bad reputation. Unscrupulous sales agents, hidden fees, complex rates and outdated technology.

We’re Different.
It’s Refreshing.


Great customer service is our number one priority. Not only for businesses near to our office in Brookings, SD but to all our clients.


We value honesty. All processing fees, equipment costs and financial obligations will be disclosed in full.


Our job is to provide your business with the most technologically advanced credit card terminals and POS systems on the market.


You have many options for accepting payments. Our knowledge and common sense approach helps you make the right choice.


OJM merchant accounts come with CardPointe, the secure payment processing and transaction management platform from CardConnect.


Easily process transactions and perform actions against any completed transaction including void, refund, re-process and emailing receipts.


Manage processed payments and view full transaction lifecycle reports in real-time.


Bring secure payments to any software and business application with our API, SDKs and out-of-box integrations.


CardSecure uses patented tokenization to secure all credit card data and reduce PCI scope.

Our Pricing:
Simple. Fair.

Interchange-plus is the most transparent pricing model in the payments industry. With fixed margins over cost, it’s the only model we use. Our rates start at 0.06% + $0.06 for all transaction types.

Point Of Sale

Clover has the right mix of POS hardware and software. Accept debit/credit cards, EMV chip and NFC payments safely and securely.


The Clover suite of solutions: Clover Station 2018, Clover Mini, Clover Mobile, Clover Flex, Clover Go.


Clover devices come pre-installed with a variety of essential business tools and applications.


Every Clover device comes with Clover Security, which provides tokenization and encryption with every swipe.


The Clover App Market has solutions for back office, employee & customer management, and over 300 third party applications.

Get Paid.
Sell More.

Clover builds smart, customized point of sale systems that make running your business easier.


OJM has partnered with OnDeck to provide small business loans with real-time approval and same day funding.


Term loans up to $500,000 with rates as low as 9.99% AIR.


Lines of credit up to $100,000 with rates as low as 13.99% APR.


Decision in minutes – applying will not impact your personal credit score.


OnDeck business loans are typically 50% less expensive than a cash advance.

Business Loans.
Growth Capital.

OnDeck is 100% committed to serving customers with the smartest financing solutions and world-class service.

Our Partners:

We have very high standards. Our A+ rated partners have innovative technology, amazing software and fanatical customer support.

For more information on Credit Card Processing, download a free e-book from CardConnect – Credit Card Processing 101.

Our Process.
How We Help.


The first step is a free consultation. We assess equipment, security and pricing. We determine your expectations and goals.


Once complete, we make efficiency suggestions, demonstrate hardware and software, and create a customized pricing plan.


We work with many types of non high-risk business. Retail. Restaurants. Online. B2B. Healthcare. Non profit. Education. Service.

Free Consultation.
Call Today.


120 22nd Ave S. Ste 104, Brookings, SD 57006