Overview
Finical Holdings, LLC, doing business as Finical (also known as Finical, Inc.), is a payment processing company headquartered in Dallas, Texas. Founded in 2012, the company provides credit and debit card processing services to small and medium-sized merchants in the United States, including in-store, online, and mobile transactions, as well as point-of-sale terminals, virtual terminals, and mobile card readers. Finical operates as a registered Independent Sales Organization of Esquire Bank, N.A. (Jericho, NY) and Citizens Bank, N.A. (Providence, RI).
Ownership
In October 2023, Finical was acquired by Tennessee-based Celero Commerce, a non-bank payment processor backed by private equity firm LLR Partners. The deal was reported as Celero's tenth acquisition since the company launched in late 2018, and Celero's combined annual card volume was reported at approximately $25 billion following the transaction. As of 2026, Finical continues to operate under its own brand while integrated into the Celero Commerce portfolio.
Pricing
Processing Rates
Finical does not publish standardized processing rates on its website; merchants must contact the company for a custom quote. According to user reviews and expert content, Finical has advertised swiped, keyed-in, and virtual terminal rates in a range of approximately 1% to 4.99%, along with a monthly minimum fee of about $25. Finical also markets a dual-pricing or "zero-fee" program that passes a service charge to the cardholder at the point of sale rather than charging the merchant a percentage rate.
Other Fees
Specific payment gateway fees, early termination fees, PCI compliance fees, batch fees, and per-transaction surcharges are not publicly disclosed by Finical. Reported by user reviews and expert content, these ancillary fees vary based on the individual merchant agreement signed.
Contact
Ownership/Leadership: Aaron Nasseh (CEO and Managing Member)
Address: 5429 Lyndon B Johnson Fwy, Suite 725, Dallas, TX 75240
Phone: (888) 707-7258
Website:finicalholdings.com
Merchant Reports
Write a review →Finical Inc. helped us move away from a complicated setup with too many fees. Their onboarding was fast, and our equipment arrived ready to go. Since switching, we’ve had fewer service interruptions and clear monthly statements we can actually understand.