Software · Payments · AI — one login

All-in-one AI business management software. Payments included.

Merch FinTech runs your card and ACH payments and hands you the software that runs the rest: CRM, booking, invoicing, marketing and automation on one login. Pick one of 150 ready-made editions — Basic is on us while you process with us — or have us build your workflows from $1,999.

Get a free quote Pick your edition

Basic credited back with processing150 ready-made editionsZero-cost processingCustom builds from $1,999

Basic is $99/mo, credited back on your monthly processing statement while you process with Merch FinTech.

Merch FinTech · Today at a glanceAll systems live

$41.2K

Collected this month

Bookings made by AI

97%

Invoices paid on time

Failed payments3 failed — messaged automatically, 2 fixed

Auto

AI receptionist14 texts answered overnight, 6 appointments booked

Auto

Invoices$8,400 paid today, 2 reminders went out

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Reviews9 requested after 5-star visits, 4 posted

Auto

Illustrative.

PaymentsCard, ACH, card on file, pay links and terminals. Interchange-plus or a compliant zero-cost program. Everything we accept, A to Z →

AutomationFailed-payment recovery, reminders, follow-ups and review requests that run without you.

AI assistantAnswers texts, chats and calls day and night, books the calendar and chases unpaid invoices.

CRMEvery contact, conversation, booking and balance in one record your whole team can see.

Full marketing suiteEmail, SMS, WhatsApp, funnels, websites and reputation from the same login.

Payment companies & software companies

Have a book of merchants? Put your brand on it.

Payment companies and software companies resell a white-labeled version; we run the software company behind it — editions, onboarding, help center, support, updates — and split the revenue.

Your brand on your own dedicated environment, all 150 ready-made editions loaded with your price book. We board your merchants in cohorts, run the branded help center and desk, train your reps and ship updates. Keep your processor or run on our rails.

Partner Program Software companies (ISVs)

Your Brand · Partner consoleRun by Merch FinTech

1,000

Merchants in your book

4 / 12

Onboarding cohorts done

150

Ready-made editions, your prices

Cohort onboardingThis week's merchants imported, applications pre-filled, logins sent under your brand

On track

Branded help centerYour reps hold tier one; our desk takes tier two, business hours Eastern

Staffed

Updates shippedEdition updates rolled out overnight, release notes in your name

Auto

Illustrative.

Who it's for

Four ways in. One platform.

Businesses buy it direct. Institutions get a dedicated edition. Partners put their own name on it.

For businessesThe all-in-one AI business platformCRM, booking, invoicing, marketing and automation with payments built in. Pick an edition or have us build yours.See the platform →For schools, camps & shuls613OS, our dedicated editionTuition, dues, donations and registration, with the software credited back while the school processes with us.Our vertical brands →For payment companiesYour brand, our software companyWhite-label the platform for the merchants you already have. We board, support and update under your name; the revenue is split.Partner Program →For software companiesShare in the processing marginYou earn a published share of the processing margin on every customer you bring; we board, support and report.ISV program →

Zero-cost processing

Stop paying to get paid

A compliant dual-pricing or cash-discount program posts a cash price and a card price, so the card covers its own cost. Prefer traditional pricing? Interchange plus one small, disclosed margin, with the math on your statement.

What you pay to get paid

Per month$0

Per year$0

Recoverable with zero-cost processing$0

Illustrative, from your own rate. Dual-pricing programs are subject to card-brand rules and state law.

Get my exact numbers

Surcharges are capped at the lesser of 3% or your actual cost of acceptance and lower in some states; debit cards are never surcharged; programs are not available everywhere. How it works →

The difference

Your other tools store what happened. Ours does the work.

A CRM remembers that an invoice is late. Ours texts the client, retries the card and books the call.

What you have now

A stack of subscriptions that record things

A card declines and sits in a report until someone notices

A new inquiry waits in the inbox until Monday

Eight logins, eight bills, none of them connected

With Merch FinTech

One platform that acts on what it knows

Failed payment retried, client texted on day 0 and day 3, call task on day 7

New inquiry answered in seconds by the AI receptionist and booked

One login, one bill, and the money lands where the records live

Built-in AI

AI that answers, books and builds

Working from the platform's own calendar, contacts and payments. AI Unlimited is $127/mo.

AI receptionist LiveAnswers texts, web chat and calls day and night, books straight into the calendar, chases unpaid invoices and requests reviews.

AI workflow builderDescribe the automation in plain English and the platform builds it; our editions add payments-aware steps — failed-payment retries, balances, contracts, receipts.

AI office assistantActs across the account on command. Anything that moves money waits for your approval.

Two ways to start

150 ready-made editions, or built for you

Full editions for the industries we know best, configured editions for dozens more, and ready-made starting templates for the rest — each loaded with payments, calendars, pipelines and automations for how that business runs.

SchoolsTuition plans, enrollment, rosters, parent portal, bank payments at a flat per-item fee.InstitutionsLearn more →CampsRegistration, sessions, camper accounts, payment plans.InstitutionsLearn more →Faith-based organizationsMembership, dues, donations, event billing.InstitutionsLearn more →Nail salonsBooking, chair management, tips, memberships, gift cards.BeautyLearn more →Beauty salons & spasAppointments, stylist schedules, retail, rebooking.BeautyLearn more →Med spasConsultations, treatment plans, packages, deposits.WellnessLearn more →Field servicesEstimates, dispatch, invoicing, on-site payment.ServicesLearn more →Custom buildsWorkflows, automations, AI assistant and payment flows built around how your office runs; yours to keep on any plan.From $1,999 one-timeSee custom builds →

Every edition →

Why Merch FinTech

A partner, not a vendor

We only make money when you make moneyBasic is credited back on your processing statement while we run your cards. Our revenue is a slice of your volume, so your slow month is ours too.

Your own merchant accountYour merchant account is in your own name with our processing partner. Your stored cards and customer records move with you as tokens and exports if you ever leave.

One bill, one loginPayments, software and usage on one statement, every fee disclosed. No PCI program fee, no statement fee, no annual fee. Payroll runs on the same login through our payroll partner — see payroll.

FAQ

Questions we get every week

Is the software really included?

Basic is $99/mo. While you process with Merch FinTech we credit it back on your monthly processing statement, so the software is on us. Pro is $299/mo ($249/mo billed annually) and is credited back at higher processing volumes. Full pricing →

Do I have to move my payments to use the software?

No. Without processing, Basic is $99/mo. Most businesses move both, because the automations work best when the money and the records live in one place. Send a statement for a comparison.

What does zero-cost processing mean?

A compliant dual-pricing or cash-discount program posts a cash price and a card price, so the card covers its own cost. Surcharges are capped at the lesser of 3% or your actual cost of acceptance and lower in some states; debit cards are never surcharged; programs are not available everywhere. Interchange plus one small, disclosed margin is the alternative.

Who owns my merchant account and my data?

You do. Your merchant account is in your own name with our processing partner. Your stored cards and customer records move with you as tokens and exports if you ever leave.

What does the AI actually do?

The AI receptionist answers texts, chats and calls, books the calendar, chases invoices and requests reviews. The AI workflow builder takes an automation described in plain English and builds it; our editions add payments-aware steps such as failed-payment retries, balances, contracts and receipts. The AI office assistant acts across the account on command with an approval step for anything that moves money. More on AI automation →

How fast can we be live?

A demo environment set up for your industry in about three business days, and live in one to two weeks, subject to underwriting and carrier text-messaging registration. We import contacts, calendars and recurring billing. How switching works →

See what your business pays to get paid

Send a recent processing statement. You get a line-by-line comparison within one business day, and a demo of the platform set up for your industry.

Get a free quote Send a statement for a free comparison

305-954-7362 · hello@merchfintech.com