Secure payment processing for municipalities.
FullPay boards cities, counties, and special districts onto credit card and eCheck payment processing, with pricing and service built around the needs of government.
Don't have an account yet? Contact your FullPay representative.
Built for how cities and counties actually work
Government clients have unique requirements that traditional processors don't accommodate. FullPay is different.
Government-specific
Pre-negotiated amendments for the legal concerns every city attorney raises: personal guaranty, indemnification, jurisdiction, public-funds security interests.
Credit card + eCheck
Accept both payment methods under one relationship. Powered by Payarc (via Evolve Bank & Trust) for cards and Paya/Nuvei for ACH.
Secure document handling
Upload banking information, EIN letters, and officer details through an encrypted portal — never again via insecure email.
Self-serve reconciliation
Fee calculator, settlement timing explainer, and bank-whitelisting letter generator — answers to the questions your accounting team will ask.
Dedicated support
A real person on every account — plus direct line to processor support when you need it. No ticket queues, no black boxes.
Transparent pricing
Simple, flat-rate pricing that can be passed through to the payor. No interchange guessing, no end-of-month surprises.
Simple, transparent pricing
Two options — choose what works best for your municipality.
Option 1
Credit card · per transaction
eCheck · per transaction under $500,000
- $15 monthly account fee
- Muni absorbs processing fees
- Best when fees are budgeted centrally
Option 2 · recommended
Credit card · per transaction
eCheck · per transaction under $500,000
- No monthly account fee
- Fees passed to the payor as a convenience fee
- Best for municipalities that can't absorb fees
What happens after you sign up
Apply online
Complete the intake form and upload required documents through the secure portal.
Review agreements
Your pre-filled Payarc + Paya agreements arrive with legal FAQ addressing the most common attorney concerns.
Sign via DocuSign
Your authorized officer signs digitally, securely — no printing, scanning, or faxing.
Go live
Whitelist processor IDs with your bank (we generate the letter for you) and start accepting payments.
FullPayment LLC · Registered ISO of Wells Fargo Bank, N.A., Concord, CA
Facilitating the exchange of electronic value since 2006.