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Whether you operate a medical practice, retail store, service-based business, or any other industry, Folium.Choice has the expertise and tools to transform your merchant process. 

Unlock The Right Merchant Solutions for Your Business

Schedule A Program Review

We offer various options to cater to your specific needs. If you're seeking personalized guidance and support tailored to your market, click the button below to schedule a One-On-One program review for financing. Alternatively, if you're interested in exploring our comprehensive Out-Of-Box Solutions and how they can benefit you, click the button for a detailed breakdown walkthrough. The choice is yours – let's start this journey together and unlock the possibilities that lie ahead!

Prequalify Today

Prequalify today and get started on the path to enhanced success! Click the 'Prequalify Now' button below and fill out the easy application in the next window. You'll be on your way to financing in no time! Don't wait; take charge of your financing future and Prequalify today.

Contact Us

We'd love to hear from you! Our team at Folium.Choice is here, ready to provide you with personalized guidance and support on your unique financial journey. Click that Contact Us button today and let's embark on this exciting adventure together. Don't wait – reach out now and discover the difference we can make in helping you achieve your financial goals!

Explore More

Are you ready to delve deeper into the world of Folium.Choice? Get ready to unlock a wealth of knowledge, expertise, and personalized solutions tailored to your financial needs. Click that Explore More button now and embark on a transformative journey towards financial success. Discover the possibilities that await and empower yourself with the tools to achieve your dreams. Don't hesitate – click and let us guide you towards a brighter financial future today!

Move Forward Today

Our Merchant Solutions

Buy-Now-Pay Later

Unlock seamless payments! Enroll for quick funding, as low as 0% APR options—free, easy enrollment. 

Contact and Contactless Proccesing

Whether you are brick-and-mortar or E-commerce business or even taking payments over the phone or email we have a invoice method for you

Healthcare Payment Solutions

Revolutionize healthcare payments! One-source solution, seamless EMR integration, easy patient portal. Elevate collections and efficiency now!

Same Day Funding

Simply open a business account with U.S Bank and get instantly qualified for same day funding

Security and PCI Compliance

All technologies and external parties are required to meet security and PCI compliance at all times.

Fee Reduction

We can compare your current fee with ours to ensure we offer you the lowest fee

Loyalty Programs and Gift Cards

We provide additional services and capabilities to ensure your customers continue returning.

24hr Top Notice Support

Always happy to help with training or be there for you for unforeseen issues

Point of Sale Hardware and Software

Elevate retail success! Boost sales with Talech POS hardware or Converage Software gateways we have an option for you.

Payment Optimization

A seamless and secure payment experience regardless of the transaction's location.

Commercial Card Optimization

Boost profits with Commercial Card Optimization – unlock automatic data enhancement for lower rates now, paid back to you via rebate!

Debit Optimization

Unlock savings! Choose PIN debit with Debit Optimization. Cost-effective, secure, and free. Optimize transactions now!

Cash Discounting

Choose savings at checkout! Credit card or cash? Your decision, your discounted cost. Act now!

Surcharge Capable

Revolutionize your transactions! Our cutting-edge systems enable surcharge capability, letting you boost revenue and pass on processing costs. Stay compliant effortlessly.

ACH Processing

Simplify transactions! ACH processing empowers businesses to securely receive direct payments, streamline refunds, and automate billing with efficiency and reliability.

Ecommerce Integration

Not just in your physical location, all features can be connected to your Ecommerce Shop

Operational Capital Inquiries

Are you looking for an operational loan, or maybe you need inventory for your business, e.g., a floor loan? Maybe you need a personal or standardized business loan; why not even a mortgage? We have a loan for you.

The right payment solution can help grow your business, increase customer loyalty, and set you apart from competitors. That’s why Folium.Choice. has partnered with U.S. Bank/Elavon to provide clients with innovative payment processing solutions.

Run your business better with U.S.  Bank/Elavon. 

Whether you do business online, in-person, or on the go, U.S. Bank/Elavon makes accepting credit and debit card payments quick, easy, and secure. More than a processor, their payment solutions help increase your sales, improve business operations, and control business costs.

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Accept all payment types anytime, anywhere

Whether on the go, online, in-person, by phone, or by mail, you’ll be able to accept credit, debit, and digital wallet payments.

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Save money

Solutions that help your business mitigate fraud, improve chargeback management, and reduce costs associated with accepting credit card payments.

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Get paid fast

Improve your cash flow with options from standard to funding available within hours – including weekends and holidays!

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Run your business better

Customized online reporting and support tools provide you with the right data to help you make informed decisions.

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With U.S. Bank/Elavon’s innovative technology and benefits, you can:

0% MDR for

60 day


Buy Now Pay Later with Avvance

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0% MDR for

60 days


  • No Recourse

  • Free enrollment

  • Same-day funding with a Business Account

  • Soft-pull (pre-qualification) credit check

  • End-to-end decision process; 60-seconds

  • Terms: 3 months – 60 months

  • APRs up to 24.99% OR 0% APR offers

  • loan amounts ($300 - $25,000) up to 4x

Merchant Services Meets Retail Credit powered by Avvance

Driven by U.S. Bank

Buy Now Pay Later and Full Merchant Services are Already integrated at Launch for businesses that opt-in.

Empowered by Our Partners

Through our partnerships and established network, we are able to provide our clients with the tools and features needed to stay profitable. 

U.S. Bank

U.S. Bank is a prominent American financial institution with a range of banking services, including partnerships with various organizations, offering diverse financial solutions and services to customers worldwide.

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Veracity Strategic Business Solutions cultivates trust, partnering with companies for lasting customer relationships. Offering improved financing options, they create a win-win ecosystem, benefiting merchants, finance companies, and customers alike.

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Elavon, a U.S. Bank subsidiary, is a global leader in payment processing for over 30 years. Offering scalable solutions, they serve businesses worldwide with comprehensive services, fostering revenue growth and satisfaction.

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Converge is a payment gateway and omnicommerce payment solution that offers businesses the technology and ability to accept credit card payments in-store, online, via mobile, or by mail order / telephone order (MO/TO).

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Whether you’re a cafe, clothing store, salon, church, or even on the go, our POS system is customized for your business. 

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U.S. Bank Avvance delivers tailored point-of-sale lending, offering consumers financial flexibility with installment loans at checkout. Empowering businesses and customers, Avvance enhances the checkout experience for life's meaningful purchases.

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