All-in-one AI business management software · Payments, AI & automation on one loginFlorida & New York · 305-954-7362
MerchFinTech
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Industry edition · Any small business

Small business software that handles the money too

CRM, booking, invoicing, marketing, a website and an AI that builds your workflows from a sentence. One login instead of 20 subscriptions. Payments are built in, so Basic is $99/mo, credited back on your processing statement while you process with Merch FinTech.

Get a free quoteSee the platform
Replace 20 toolsDescribe a workflow, AI builds itBasic credited back with processingSet up for you
Merch FinTech · Today at a glanceAll systems live
$22.8K
Collected this month
64
Bookings
9
New leads today
LD
Leads9 new, every one answered within a minute
AI
IV
Invoices14 sent this week, 11 paid, 3 reminded
Auto
RV
Reviews5 requests sent, 3 posted
Auto
WF
New workflow"Quote not accepted in three days → text, then call Friday"
Built
Illustrative.
Built for any business

The platform is a canvas

A tutor books lessons and charges the card on file. A photographer takes a deposit on the contract. A groomer texts "ready for pickup". A CPA bills the retainer by ACH. Same platform, different setup.

CRM & lead captureEvery call, text, form and chat lands on one contact record. Pipelines show who's new, who's quoted and who's paid.
Online bookingCustomers book from your site, Google profile or a text link. Reminders cut no-shows; a card on file covers the ones that still happen.
Invoicing & paymentsInvoices, deposits, card on file, recurring billing and pay links, by card or ACH at a flat per-item fee. Unpaid invoices chased automatically.
Email, SMS & WhatsAppNewsletters, offers and win-back campaigns from the same contact list. Two-way texting in a shared inbox your whole team can see.
Website, funnels & reviewsOne website included on Basic, landing pages and funnels on Pro, and review requests after every job.
Describe it, the AI builds it"When someone books, send intake. If they don't fill it in 2 days, text them." The workflow builder assembles it from the platform's blocks and asks before switching it on.
AI, in your words

What the AI does for a small business

The way the owner who also answers the phone would describe it.

Answers while you're with a customerThe AI receptionist picks up calls, texts and website chat around the clock, answers from your FAQ and price list, and books into your calendar. You get a summary, not a voicemail.
Chases the invoice so you don't have toUnpaid after 5 days: a text with the link. Day 10: an email. Day 14: a polite call. You see what came in; the awkward conversation never happens.
Builds the automation you describeYou don't learn a workflow editor. You type what should happen, in English, and review what it built. Every workflow becomes a template you can reuse.
Brings back the customer who went quietAnyone who hasn't booked or bought in 90 days gets a text with an offer, and a review request goes to anyone who just did. Both run without you.
Payments built in

Why the software is on us

We earn on the payments. That is why Basic is credited back on your processing statement while you process with us, and why we show you the fee math instead of hiding it.

Two ways to price it. Interchange-plus with one small, disclosed margin, and the math on your statement. Or a compliant dual-pricing program that posts the cash price and the card price up front, so you save on card fees versus flat-rate pricing; send a statement and we show the math.* Either way, each business holds its own merchant account, in its own name, with our processing partner, and your stored cards and customer records move with you as tokens and exports if you ever leave.

  • In person: countertop terminal, mobile reader or tap-to-phone (hardware)
  • Online: hosted checkout, pay links, invoices and the client portal
  • Card on file, recurring billing and smart retries for failed payments
  • ACH at a flat per-item fee instead of a percentage for larger invoices and retainers; you decide whether the payer covers it (ACH)
  • Business banking and expense cards through our partner bank (banking)
  • No PCI program fee from us; the processor's non-compliance fee applies only if the annual questionnaire isn't completed, so we help you complete it

Everything we accept, A to Z →

*Dual-pricing and cash-discount programs are subject to card-brand rules and state law and are not available everywhere.

Your statement, line by line
InterchangeCard networks' published rates, passed throughOur marginOne small, disclosed lineBasic plan, $99/moCredited back while you process with usACHFlat per-item fee, not a percentagePCI program feeNone from usReturned paymentsProcessor's fee at cost, two retriesEverything elseDisclosed before you sign
Send a statement and your software bills; we'll run your real numbers.
Banking and cards. Business banking and cards are provided through our partner bank and card program partners, subject to approval. See banking · See cards.
What you can cancel

20+ tools, one login, one bill

The stack most small businesses stitch together, and re-type data across.

HubSpotCRM
CalendlyBooking
AcuityScheduling
MailchimpEmail
PodiumTexting
WixWebsite
ClickFunnelsFunnels
BirdeyeReviews
QuickBooks invoicingInvoicing
JotformForms
GrasshopperPhone line
ZapierAutomation
SquareCard reader
Plans for small business

Which plan fits

Start on Basic ($99/mo, credited back on your monthly processing statement while you process with Merch FinTech): CRM, booking, invoicing and payments, two-way texting, forms, one website, the client portal and two users. Your environment is ready in about three business days; going live takes one to two weeks, subject to underwriting and carrier text-messaging registration. Move to Pro ($299/mo, or $249/mo billed annually) when you want email and SMS campaigns, the AI receptionist, the workflow builder, funnels, reviews and unlimited users. See pricing. Need it built around how you run? Custom builds from $1,999.

Run a salon, a restaurant, a school or a contracting company? One of the 150 ready-made editions on the industries page has your workflows pre-built. Don't see yours? Tell us what you run; we build new editions regularly.

FAQ

Small business questions

What kinds of businesses is this for?
Any business that books customers, bills them and wants them back: tutors, photographers, groomers, consultants, studios, repair shops, accountants, coaches, clinics. If one of our 150 ready-made editions fits you better, start there; the platform underneath is the same.
Is Basic really on us?
Basic is $99 a month. While you process with Merch FinTech we credit it back on your monthly processing statement, so the software is on us. If you stop processing with us, Basic bills at $99 a month, or you export your data and leave; your stored cards and customer records move with you as tokens and exports.
Will it replace the tools I already pay for?
For most small businesses, yes: CRM, booking, invoicing, texting, email, forms, website, reviews, phone line and automation are built in. Our onboarding team migrates contacts, products and recurring customers for you.
Do I need to be technical?
No. The platform is set up for you, and the AI workflow builder takes plain English. Describe what should happen, review what it built, and switch it on. If you would rather we build it, custom workflows and automation start at $1,999 one-time.
What does processing cost?
Interchange plus one small, disclosed margin, with the math on your statement; or a compliant dual-pricing program that posts the cash price and the card price up front, within card-brand and state rules. ACH is a flat per-item fee instead of a percentage. We charge no PCI program fee. Each business holds its own merchant account, in its own name, with our processing partner.

One login. One bill. Basic credited back while we run your payments.

Send a statement and we'll show the fee line next to the subscriptions you'd stop paying for.

Get a free quoteSend a statement for a free comparison

305-954-7362 · hello@merchfintech.com