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T 516.333.3888
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Card Acceptance GuideDownload Our
Card Acceptance Guide


A Leader in the Credit Card Processing Industry Since 1988

For over 26 years IRN Payment Systems (IRN) has been helping businesses of all sizes accept credit cards as a proven leader and partner in the credit card processing industry.

IRN is a full service payment processor serving tens of thousands of clients nationwide. IRN knows that accepting credit cards for payment is essential for any business, that's why IRN supports processing solutions for all businesses and for all major credit cards including Visa, MasterCard, American Express and Discover, as well as providing processing services for Debit, EBT, government cards, checks, and gift and loyalty cards.

Our merchants range from national, multi-lane chain stores to mom and pop retail store fronts and restaurants. We support all types of retail, restaurant, multi-lane, e-commerce, internet, mail/telephone order, business-to-business and hospitality merchants.

IRN's processing solutions can accommodate virtually any type of credit and debit card equipment or platform. We offer the widest selection of credit card processing programs, products and solutions, and in most cases with same day approval.

Experienced 24/7 Customer Service & Support

At IRN we strive to provide the best service and support for our partners and customers.

That’s why we offer STARS, IRN’s own integrated and proprietary transaction reporting systems exclusively for all IRN merchants.

While other processors charge monthly for online reporting, the Star Transaction Account Report System is “free” for all IRN merchants.

With STARS you can view transaction activity, batch totals and daily settlement on your time and when you want. We also offer 24/7 customer service and technical support, with an experienced and knowledgeable staff that will assist you with any issue that you may have.

To learn more about a "Custom Tailored" merchant services program solution for your business, apply here or use the menu bar above to view IRN’s elite and industry first suite of products and services.


The industries first and only service that protects and secures your business with Access to Cash up to $250,000 per month (just like a line of credit) in the event of an emergency, shortfall or crises.

Since SalesGuard is NOT INSURANCE or a LOAN, there is NO monthly premium, upfront cost, obligation or commitment. You only incur an expense when and if you ever need to use SalesGuard.

Merchant Rewards Program

IRN through the Merchants Reward Network offers the first and only Rewards Program in the merchant services industry.

Just by accepting credit cards, merchants can earn Reward Dollars just like consumers do. Merchants can use the Reward Dollars they earn to purchase all kinds of products and services.

With a Market Place of over a $100 Million Dollars in items and services to choose from, merchants can spend their Rewards for things like Advertising such as Radio, TV, Newspaper, and Magazine, Printing and Business Related Services, Retail, Clothing, Auto, Restaurant, Travel and Hospitality Services just to name a few….making accepting credit cards both profitable and rewarding. Reward Dollars can also be donated to a charity of choice, making the donor eligible for a tax deduction.