Business Category
Merchant services provide the hardware, software, and payment processing that let your business accept credit and debit cards. The right provider saves you money on processing fees, offers fast deposits, and includes POS systems, invoicing, and payment gateways.
Merchant services encompass everything a business needs to accept electronic payments: credit card processing, POS (point-of-sale) systems like Clover or Square, payment gateways for online sales, mobile payment readers, and invoicing tools. Providers charge a mix of interchange fees, processing rates (flat-rate, interchange-plus, or tiered), and monthly fees.
Every business that accepts card payments needs merchant services. The difference between providers can be thousands of dollars per month in fees. Zero-fee processing (cash discount programs) can eliminate processing costs entirely by passing the fee to customers who pay by card.
| Service Type | Price Range |
|---|---|
| Flat-rate processing | 2.5% – 2.9% + $0.30 |
| Interchange-plus pricing | 0.1% – 0.5% + interchange |
| Zero-fee (cash discount) | $0 monthly processing cost |
| POS system (Clover, Square) | $0 – $200/month + hardware |
| Payment gateway | $10 – $25/month + per-transaction |
A cash discount program adds a small service fee to card transactions and offers a discount for cash payments. When set up correctly, the business pays $0 in processing fees — the customer effectively covers the cost of card acceptance.
Standard processing ranges from 2.5% to 3.5% per transaction, plus a per-transaction fee of $0.10–$0.30. Interchange-plus pricing is typically cheaper for businesses processing over $10,000/month.
Clover and Square are the most popular POS systems for small businesses. Clover offers more customization and integrations, while Square is simpler to set up. The best choice depends on your industry and volume.
Yes. Most processing contracts are month-to-month or have early-termination fees of $200–$500. Switching providers can save 20–40% on processing costs, especially if you are on a flat-rate plan.
Merchant Services
EVO Payments provides payment processing for small and mid-sized businesses from Atlanta, GA.
Merchant Services
Elavon provides merchant acquiring for small and mid-sized businesses from Atlanta, GA.
Merchant Services
American Merchants Inc. provides credit card processing for small and mid-sized businesses across the United States.
Merchant Services
USA Payments provides pos & processing for small and mid-sized businesses across the United States.
Merchant Services
SMB Merchant Services provides small business processing for small and mid-sized businesses across the United States.
Merchant Services
Point-of-sale systems, EMV-compliant credit card terminals, and pin-pad processing hardware. Mobile and in-store solutions for retail, restaurant, and service businesses.
Merchant Services
Smarter payment processing for businesses nationwide — credit/debit card processing, EMV-compliant terminals, mobile payments, gift cards, and check processing. Competitive rates with transparent pricing and no hidden fees.
Merchant Services
Lower your card-processing rates with no setup fees. EMV-compliant terminals, mobile payments, and cash advances. We beat competitor rates and provide a free rate review.