We Lower Your Monthly Credit Card Processing Rates

Nationwide. All businesses. Reliable. Next day payments. Great technology.

Stop Giving Away Your Profits to Your Processor

Our businesses save money every month by lowering their credit card processing fees while getting the service they deserve. That’s our way, The Merchant Way. Fill out our form for a free analysis.

Get contacted by an agent today.

Nothing will effect your credit score.

Lower your rates with traditional or cash discount processing.

  • Our Traditional Processing Rates

    The most competitive rates in the industry. We offer interchange plus processing, flat rate, and 3-Tier. Easily switch between processing types as your business needs.

  • Cash Discount

    Consider passing through some or all of your credit card fees to your customer. By passing through your fees to your customer you can save 3% every month.

  • Fast Setups and Easy Batch Outs

    After you are approved we can have you setup in less than 24 hours to start processing payments. You’ll be able to get paid the next day after you batch out at your point-of-sales system.

Hear from our customers.

  • “Extremely professional.”

    Maya Cameron, Owner

    Boogie Smoothies Restauant

  • “5 stars. Responsiveness, quality, professionalism, value.”

    Toriano Gordon, Owner

    Vegan Mob Restaurant

  • "Great customer service! Always available to answer any questions and meet the needs of your company no matter at what stage you are! Thank you for helping get our venture on the run! 🙏🏼"

    Johanny Puello, Owner

    Las Alba Retail Clothing Store

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

    Marilyn Rosa, Head Administrator

    Integrative Medical Doctor’s Office

  • "We love it because we pass the fee onto the customer and save 4% every month. It is amazing for our business."

    Julia Loncar, Co-Owner

    Idylwild Property Management

  • "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 Restaurant

  • "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 Racing 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. Industrial Supplies

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

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.

Read Our Recent Articles

How Switching to Our Processing Saved
Integrated Medical NY Money Each Month

Integrated Medical NY made the change to our processing and technology in June of 2023. They started lowering their monthly rates and using an in-person PAX A920 terminal and virtual terminal. They love the user interface. And they love that they are saving money every single month. They’re saving on average $600 every month.

How Hoboken Hot Bagels Saved More Each Month

Rick’s credit card processing fees were costing him 4% each month. This was $800 every single month. After switching to our Cash Discount option, we changed their processing and updated their terminal to pass through the fee onto the customer. Now, processing is not one of their expenses and they are saving $800 every month! A huge difference!

Our Sign-Up and Setup are Smooth and Easy

Our team makes the process so smooth for transitioning from your old processing to our new one that you will barely notice it even happened. First, our team will call you, and do a statement analysis. Then, once we pick the traditional processing or pass through processing terms, we will decide on the systems that are right for your business. After that we’ll process your application, and ship you the terminals you need all within 24 to 48 hours. After that it’s an easy plug in and you’ll be ready to start processing. We’re with you every step of the way; text or call.

Lower Rates, Nationwide, Next Day Payments