Your Credit Card Processing
The Right Way,
The Merchant Way

With headquarters in Hoboken, NJ and Las Vegas, NV, we have over 20 years of experience. We provide transparent credit card processing to small businesses, with no junk fees, fully integrated systems, and available customer service agents every time you need us.

Best Technology, Lower Rates, and Great Service

  • Unified systems to integrate online and in-person

    Our experts help you choose the best technology to mesh with your business. From in-person to virtual solutions to on-the-go businesses, our team helps you choose the right processor for your business.

  • Lower your rate to near 0% per month

    We have three types of terms: traditional interchange processing, cash discount, and 3-Tier. Easily switch between processing types as your business needs.

Hear What Our Customers Say About Us

  • "Saves us a lot of money every month on processing fees! We pass the fees to the customer and it helps us use that money for other parts of our business."

    Julia L., Property Management
    Idyl Realty

  • “Extremely professional!"

    Maya Cameron-Gordon, CEO
    Bougie Smoothies

  • "Great customer service! Always available to answer any questions and meet the needs of your company!"

    Johanny Puello, Owner
    Las Alba

  • “You get quality, value, responsiveness with a professional staff."

    Toriano Gordon, Restaurant Owner
    Vegan Mob

  • "Virtual terminal is extremely user friendly. Customer service is excellent. Always very informative and helpful every time!"

    Marilyn Rosa, Administrator
    Integrative Medical

  • "I am pleased to say that I have had the best support and professional and caring service from Tom and the high standards for taking care of people. I have many times needed assistance and was always given the attention and resolution to anything with diligence and details to everything...I highly recommend this company."

    Diane Harpest, Owner
    Dyan’s Country Kitchen

  • "We love using this product [from The Merchant Way]. Its a GREAT tool when processing cards at our busy events. Highly recommend!"

    Elvi Guzman, CEO
    Winning Events Group

  • "The Merchant Way has helped me save on card processing fees and allows me to accept payments in many different ways from clients all over the globe. Great team, really responsive. Cannot recommend more highly. Stop Wasting Money."

    Howard Rudin, Owner
    Ace Belting & Power Lines Inc. Industial Supplies

Elvi Started Saving With Us on Every Transaction

If you can recover a few hundred to even thousands of dollars each month on a consistent basis, then you might be able to take that vacation, hire that employee, or save more money! Take it from Elvi, this is the change that keeps on giving.

Learn More About What Customers Say About Us

Howard Rudin, CEO Of Ace Belting & Power Lines Inc., talks about why he decided to switch to The Merchant Way processing. He runs a nationwide belting and manufacturing supply company and emphasized his need for reliable service. He explains that he uses a virtual terminal and The Merchant Way was able to save him money on costs.

Cutting-edge unified technology.

  • Accept Any Payment

    Take payments by chip, swipe, contactless, or keyed in transactions and accept all credit cards - Master Card, Visa, Discover, and AmEx.

  • Customer Data

    Collect and edit customer contact info in one convenient place to streamline your marketing and sales efforts. Track purchase history to see what’s selling.

  • Bill Your Customers

    Send payment links, email invoices, or use recurring payments. Try keying in transactions in-person or on-the-go with our unified terminal systems.

  • Easy bookkeeping

    Speed up your bookkeeping. Export transaction reports in a format compatible with third-party tools like QuickBooks and Excel.

Start Saving With Better Technology

Read Our Recent Articles

Lower your processing rates.

We beat current credit card processing fees OR with Duopricing, you can stop paying fees and put that money back into your business.

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Stay up-to-date with contactless point-of-sale systems.

We ship our systems already setup, so all you have to do is plug and start processing with your contactless system.

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No headache invoicing and virtual solutions.

We work with online processors so we can beat your current rates and lower your fees, increasing your profits.

Great service for your small business.

Smart Solutions

Of experience in business, finance, and engineering giving your business the smartest solutions.

100+

National company with 100+ businesses in our network. We’ve been growing our network of small businesses giving them the support they deserve.

Top Partners

That we work with to give you the best that the industry has to offer.

 FAQs

  • We have Traditional Processing and Cash Discount (Zero Fee) processing:

    Traditional Processing:

    Our first pricing plan option is Traditional, which offers a fixed percentage rate and transaction fee. This easy and direct pricing structure enables business owners to understand what they are actually being charged for their merchant transactions. As well, your rates will never be raised unless Visa and/or MasterCard alter their own Interchange rates, which stabilizes your operating costs and allows you to accurately forecast business profitability.

    Cash Discount (Zero Cost) Processing:

    Our second plan is a Zero Cost Processing option. This plan shifts the percentage rates over to your customers. It saves your business a lot amount of money, which is very helpful during good or bad economic cycles.

  • Yes, our systems allow you to accept all types of credit cards, CHIP cards, and contactless payments. These include Samsung, Apple Pay, Google Pay and more.

  • We want what works best for your business. Monthly commitments allow you to stay nimble and lets keep up with you as you grow.

  • We pride ourselves with supporting your growth. If you do not need a credit card reader, you can simply ship it back to us, and we’ll remove the processing from that device. Visa versa, if you need to add a reader, we will ship you a new programmed device within 48 hours.

  • Yes, we carry multiple types of in-store POS systems and our representatives will help you pick the best one for your business needs.

  • Yes, we carry the best virtual terminal software and our representatives will help you pick the best one for your business needs.

  • After you sign up, your system will be programmed and sent out immediately, arriving within 2-3 days.