PL
PennyLarge
Contact
Austin, TX · Card · Crypto · Wire

Austin-based. Owner-operated. Built for every kind of business.

PennyLarge is the merchant services partner for local shops, professional practices, and high-ticket dealers. Card, crypto, and wire processing under one roof, with a real person on the other end of the phone.

Schedule a 20-minute call Call Brian directly

No setup fees. No monthly fees. No long-term contracts.

Austin
Local and owner-operated
3 rails
Card, crypto, and wire
48 hrs
From call to live
SOC 2
Bank-grade infrastructure
Who we serve

Built for every kind of business that takes payments.

We are the same processor whether you sell coffee, cosmetic procedures, or yachts. The difference is that we understand what your business actually needs, and we charge fairly for it.

Local and small business

If you run a restaurant, salon, retail shop, contractor crew, or any business serving the Austin community, we are the merchant services partner you have probably been wishing for. Lower rates than Square or Stripe, no long-term contracts, and a phone number that actually reaches a human.

  • · Restaurants and bars
  • · Retail shops
  • · Salons and spas
  • · Contractors
  • · Auto and repair
  • · Professional services
Elective medical and professional

Practices charging premium prices for premium work deserve a processor that handles chargebacks intelligently, supports financing integrations, and does not flag your business as risky just because of your specialty.

  • · Plastic surgery
  • · Cosmetic dental and ortho
  • · Regenerative medicine
  • · Law offices
Luxury and high-ticket dealers

When a single sale is six or seven figures, the aggregators freeze accounts, hold funds, and ask for paperwork. We have approved single transactions over a million dollars. We also have the only crypto rails in Austin built for buyers who prefer to settle in Bitcoin or stablecoins.

  • · Yacht and marine brokers
  • · Private aviation
  • · Exotic and classic cars
  • · Gold and bullion
  • · Estate jewelry and Rolex
  • · Fine art galleries
What we do

Three ways your customers can pay.

One merchant relationship, three rails. Most processors handle one well. We built PennyLarge to handle all three.

Credit and debit

Interchange-plus pricing directly through the bank. No flat 2.9 percent markup, no aggregator margin, no surprise fees on your statement. The same rates the big chains get, available to your business.

All major cards. Tap, dip, swipe, keyed, and online.
Most requested

Crypto

Bitcoin, Ethereum, USDC, USDT, and other major assets. Your buyer covers the network fee. You decide per sale whether to settle in dollars, hold the crypto, or split the two. Most merchants in Austin do not even offer this yet.

Settles in minutes. Reconciles to the dollar.

Cash and wire

Wire receiving, escrow integration, and cash deposit handling for in-person closings or large invoices. The kind of infrastructure your accountant actually wants you on.

Domestic and international wire. SWIFT supported.
Why this exists

Most merchants get treated like a category code, not a business.

The big processors are designed to scale. That works for them, not for you. Rates creep up quietly. Support means a ticket number. A single complicated transaction can mean a frozen account. PennyLarge was built around the opposite idea: one local team, fair pricing, modern payment rails, and a real person who knows your business by name.

A quick self-check

Reasons people call us.

If any of these sound like you, the answer is probably yes.

You are tired of guessing what your processor actually charges.
Interchange-plus pricing means you see the cost of the card brand and the cost of us, separately. No surprise line items, no quarterly rate creep.
You want crypto as a real payment option, not a novelty.
Your buyer pays in Bitcoin. You receive dollars by Monday, or hold the crypto if you prefer. No volatility exposure, no chargebacks, no surprises.
You need someone who picks up the phone.
Every PennyLarge merchant has Brian's direct cell. Not a support ticket queue, not a 1-800 number that routes overseas. The owner. That is the model.
Your business does not fit a standard template.
Large transactions, international buyers, complex closings, specialty industries. If your last processor called you risky or complicated, we have probably seen it before and know how to underwrite it.
Schedule a 20-minute call
BG
Founder

Brian Gilchrist

I started PennyLarge because Austin businesses deserve a payment processor who actually knows their name. I have helped a coffee shop on South Lamar drop their rate by half a point, set up the first crypto checkout for a classic car dealer in the Hill Country, and rebuilt the processing for a med spa after their last provider dropped them for one chargeback. Different businesses, same model: a real person, fair pricing, modern rails.

Every PennyLarge client has my direct cell. That is the model.

Questions we hear on the first call

Real answers, not boilerplate.

How does PennyLarge compare to Square or Stripe?

Square and Stripe are aggregators. They sit on top of a bank and add their margin. PennyLarge is a direct-to-bank merchant services provider, which means lower effective rates on most card types. We also handle crypto and wire under the same merchant relationship, which Square and Stripe do not.

Can I keep my current POS hardware?

In most cases, yes. We support a wide range of terminals, including Clover, PAX, Verifone, and many tablet-based POS systems. If your current hardware is locked to your existing processor, we can quote replacement terminals at cost rather than markup. We will tell you on the call which way is cheaper for your specific setup.

How quickly can I switch from my current processor?

Most merchants are live within two business days of submitting their underwriting paperwork. We coordinate the cutover so there is no downtime in your ability to accept payments. If you have a long-term contract with your current processor, we will help you understand what it actually costs to leave, which is often less than the early termination fee sheet suggests.

How does crypto actually work for a sale?

At checkout or invoice, the buyer sends payment in Bitcoin, Ethereum, or a stablecoin like USDC to a payment address generated for that transaction. The amount is locked to the dollar price at the moment of payment, so neither side carries volatility risk. You then choose to receive dollars in your bank account, hold the crypto, or split between the two. Settlement to dollars typically completes within one business day.

My business was labeled high-risk by a previous processor. Will you approve us?

Probably yes. Industries like plastic surgery, regenerative medicine, gold dealing, firearms-adjacent retail, and luxury goods get the high-risk label from mainstream processors because those processors lump them into broad risk categories. PennyLarge works with banking partners who underwrite businesses individually. We look at your actual operating history, not a category code.

What does the first 48 hours look like after I sign up?

After your call, we collect your business details and underwriting documents, usually a one-day turnaround on your side. Our banking partners review and approve, then we configure your terminals, online checkout, and crypto rails to match how you sell. Most merchants are live and able to take their first payment within two business days.

Ready to talk?

Twenty minutes with Brian. He will ask about your business, your current setup, and what is actually slowing you down. No script, no presentation, no pressure.

Book directly on Brian's calendar (512) 000-0000
@ brian@pennylarge.com

Start the conversation

Tell us about your business. Brian responds within one business day.

No setup fees. No monthly fees. No long-term contracts.

Call Book a call