Power-up Your Payment Strategy

Get special access to tools to boost your bottom line

Profitability is an important part of operating a successful business. The co-op’s flexible and secure financial solutions empower you to give business – and margin – a boost in person, on-line, and on-the-go.

About our members-only payment & financing solutions

For members of The Bike Cooperative, making the most of (and paying the least for) modern payment processing solutions is coupled with powerful consumer financing and insurance benefits proven to drive sales and delight customers.

Customer Financing

Add flexible payment options that pay off

With the Freedom to Ride consumer financing program, members of The Bike Cooperative are equipped with a payment option proven to improve sales

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Payment Processing

Earn more from every credit card payment

Process transactions like your biggest competitors with access to lower fees and better service that ensures you get the best available rates

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Protection Plans

Offer extended warranty plans with ease

Increase your average transaction while decreasing the hassle and worry for your customers with protection plans that protect their purchases

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Customer Financing

With Freedom To Ride, members of The Bike Cooperative easily add a financing option that makes “new bike day” (and new sales records) all the more attainable.


The Freedom to Ride private label credit card promotes your store, not just the brands you carry

Convenient for customers:

Cardholders spend $545 more (on average) than the average shopper, and 87% feel promotional financing makes large purchases more affordable


Our exclusive ‘Mobile Apply’ feature makes in-store application simple, secure, and straightforward

Powerful for sales:

Whether it means affording a better bike, saving cash-on-hand, or financing a “need it now” purchase – Freedom To Ride has become a powerful sales motivator for member shops across the country

“Financing is an incredibly valuable tool for increasing sales. We find that, given the opportunity to finance, a customer is going to spend twice as much on a bike purchase and be even happier with their buying decision.” 

– Steve Beheler, Spokes Etc.  – Vienna VA

Payment Processing

Ensure the lowest possible processing rate, with members-only service & support

The most successful retailers win margin & create revenue wherever they can, and with more transactions being made with credit cards than cash, lower processing rates are a great place to start. With access to the scale of over $1 Billion in combined processing volume, The Bike Cooperative has negotiated exclusive rates for our members that are hard to beat.

Take control of your contract:

Say goodbye to early termination fees and multi-year contracts

Slash your fees:

Ensure you’re getting industry leading rates, and ZERO hidden fees

Add new flexibility:

Processing can take many forms, from mobile checkout to wireless terminals

Unlock Exclusive Payment Solutions

Ready to improve your margins with one-of-a-kind payment processing and consumer financing benefits? 
Become a member
Members: Get Started