Home / Payments
💳 Credit Card Processing

Stop overpaying to get paid.

Most local owners are losing money to confusing tiered rates and junk fees. We'll audit your current statement for free, switch you to fair pricing, and set up modern terminals, with a real person handling every step.

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Transparent rates

Clear interchange-plus pricing; you see the real cost, never a padded blended rate.

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Modern terminals

Tap, chip, swipe, and mobile, countertop or handheld, matched to how you sell.

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Next-day funding

Faster access to your money with deposit reports you can actually read.

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No lock-in

No early-termination traps. We earn your business every single month.

The free audit

We'll show you the savings first.

Send us one recent statement. Within 48 hours, your advisor walks you through what you're paying now, what you'd pay with us, and the monthly difference, no obligation, no pressure.

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Line-by-line review of every fee you pay.
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Plain-English comparison, no jargon, just the numbers.
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A written estimate to keep, whatever you decide.
Request my free audit →
★★★★★Real client
$640/mo saved

"They found money I didn't even know I was losing. The switch took one afternoon."

Marisol VegaSalon Owner · Frisco
Accept every way customers pay

One partner for all your payments.

Tap, chip, swipe, mobile wallet, online, or on the go, set up the way that fits how you actually sell.

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Terminals

Wired & wireless countertop terminals, chip, swipe, tap, and mobile wallets, fast and secure.

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POS Systems

Full point-of-sale with quick install and on-site training so your counter moves faster, not slower.

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Mobile

Take payments on the go from iPhone or Android, your business never skips a beat.

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eCommerce

Secure online payment gateway that plugs into your website and checkout without a rebuild.

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Virtual Terminal

Key in phone and mail orders from any browser, no extra hardware required.

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Gift & Loyalty

Branded gift cards and loyalty that bring customers back and lift average ticket.

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EMV & Security

EMV chip, encryption, and PCI guidance to keep every transaction protected.

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High-Risk & Bank-Direct

20+ years of banking relationships to set up hard-to-place and high-risk accounts.

No more middleman

We go bank-direct, so you keep more.

Many processors stack an agent markup on top of your rate. We use our direct banking relationships, built since 2001, to cut out the middleman and pass the savings to you, with 100% transparency and no contracts.

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No agent markup inflating your effective rate.
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No hidden or junk fees, every line explained.
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We watch the market and flag changes early.
Get a free fee audit →
Made for local businesses

Built for the way you sell.

A customer paying with a card at a restaurant counter
Restaurants & cafés
A shopper checking out at a retail boutique POS system
Retail & boutiques
A client paying with a card terminal at a salon
Salons & spas
A homeowner paying a plumber with tap-to-pay
Service businesses
Payments FAQ

Questions about processing.

Are there any contracts or cancellation fees?+
No. We don't lock you into multi-year agreements or charge early-termination fees. We earn your business every month; if we ever stop delivering, you're free to leave.
How is your pricing different from other processors?+
We go bank-direct and remove the agent markup most processors bake into your rate. You get transparent, interchange-plus pricing, the true cost plus our flat markup, with no hidden or junk fees.
What does the free statement audit involve?+
Send us one recent processing statement. Within 48 hours your relationship manager walks you through your true effective rate, every fee you're paying, and what you'd pay with us, in writing, with no obligation.
Will switching disrupt my business?+
No. We handle setup, hardware, and staff training around your hours, and most switches are done in an afternoon. We won't recommend a change unless it clearly benefits you.
What hardware and payment types do you support?+
Wired and wireless terminals, full POS systems, mobile card readers, virtual terminals, and eCommerce gateways, accepting chip, swipe, tap, mobile wallets, and all major cards.
Do you work with high-risk businesses?+
Yes. With 20+ years of banking relationships, we specialize in placing hard-to-approve and high-risk accounts that other processors turn away.

Frisco, Texas based and serving the entire DFW metroplex and beyond. One friendly local team for payments, payroll, bookkeeping, marketing, and support.

© 2026 Merchantwide Services. Made in Frisco, TX.