Payment processing
Every way to get paid, one platform
Countertop, phone, kiosk, website, invoice, text or bank transfer. Every payment lands in the same software that runs your business. Because we earn on the processing, the Basic plan is on us.*
Interchange-plus or zero-costFlat per-item ACHYour own merchant accountNo PCI, statement or annual fees
*Basic is $99/mo, credited back on your monthly processing statement while you process with Merch FinTech. Subject to approval.
$41.2K
Collected this month
318
Payments, all channels
$0
Processing cost (zero-cost)
INV
Invoice #1042 paid$1,850 by ACH, posted to the ledger and QuickBooks
SyncedFP
Failed payments3 failed, texted automatically, 2 already fixed
AutoDEP
Deposit reconciledYesterday's batch matched to the bank, to the cent
MatchedTXT
Text-to-payPay links sent on 4 open invoices
SentIllustrative.
Ways to pay
Every way your customers want to pay
One merchant account, one dashboard, one deposit. Add channels as you need them.
Countertop terminalTap, chip and swipe at the register, with tipping and both prices on screen.
Mobile readerA pocket reader paired to a phone or tablet for house calls, trucks and events.
Self-service kioskOrder kiosks for counters, donation kiosks for lobbies and shuls.
Tap on phoneContactless cards and wallets on a supported phone, no reader at all. For house calls, deliveries and events.
Hosted payment pagesA branded page for deposits, registrations and donations. Nothing to code.
Pay linksCreate a link for any amount and send it by text, email or WhatsApp.
Website checkoutOn the website we build you, or our form dropped into the one you have.
Invoices and estimatesSend an estimate, convert it to an invoice, get paid by card or ACH.
Card on file and recurringTuition plans, memberships, retainers and installments, with smart retries on failures.
ACHA flat per-item fee instead of a percentage for tuition, dues and large invoices. See ACH.
Text-to-payThe invoice goes out by text; the customer pays from their phone.
QR codesPrint a code for tables, pews, counters and flyers. Scan, pay, done.
Pricing
Priced two ways. You choose.
We never hide a markup inside a blended rate. Pick the model that fits your tickets and your customers.
Interchange-plus with one small, disclosed marginYou pay the card networks' wholesale cost plus one margin we show you on the statement. Businesses coming off flat-rate pricing usually save on card fees; send a statement and we show the math. Best for B2B, high tickets and anyone who wants to absorb the cost. See pricing.
Zero-cost: compliant dual pricing or cash discountPost a cash price and a card price set within the card-brand cap. Card payers cover the processing; you keep your cash price. Signage, receipts and debit handling are built in. See how zero-cost processing works.
Either way: no PCI program, statement, annual or customer-service fee. Switch models whenever your business changes.
Your effective rate todayFrom your statement, one numberJunk feesListed by nameInterchange-plusOur margin, disclosedZero-cost programCard price covers processingReturned to youWithin one business day
Your comparison uses your statement, line by line. Results depend on card mix, ticket size and state rules.
Your account
Your own merchant account, not a slot in ours
Every business on Merch FinTech holds its own merchant account, underwritten by our sponsor-bank processing partner. We are the referring agent, not an aggregator. Your funds are not pooled with other merchants and someone else's dispute never touches your account. Your merchant account is in your own name with our processing partner, and your stored cards and customer records move with you as tokens and exports if you ever leave. Software companies that want to bring their own customers should see the ISV program.
Built in
Payments that know what they are for
A card reader sends you money. A platform knows which invoice it paid and what to do when it bounces.
A paid invoice posts itselfThe payment marks the invoice paid, posts to the customer's ledger and syncs to QuickBooks. Nobody keys it twice.
Failed payments are retried and textedA declined card on file is retried on a schedule. The customer gets a text with a link to update it. You see what recovered.
Deposits reconcile to the bankEach batch is matched to the deposit it became, net of fees. Month-end is a glance, not a Saturday.
Reporting across every channelIn-person, online, invoice and ACH volume in one report, by location, staff, service or program. Export anything.
Lower costs
Two more ways to pay less
Level 2 and Level 3 data for B2BWhen another business pays you with a commercial card, we pass the line-item data the networks ask for. The transaction qualifies for lower interchange automatically.
Charity rates for nonprofitsQualified 501(c)(3) organizations can be boarded at the card networks' charity interchange rates, which are meaningfully lower than standard credit-card rates; we confirm eligibility per organization at underwriting. See the faith-based edition.
Everything we accept and do
Every card, wallet and bank payment, A to Z
One merchant account covers every way a customer pays and every way you pay out. The headline types are here; the full list runs from ACH to zero-cost processing.
Cards in person and onlineVisa, Mastercard, American Express and Discover; chip, tap, swipe, keyed and e-commerce; signature and PIN debit; international cards.
WalletsApple Pay and Google Pay on terminals, hosted checkout and pay links.
ACH and bank paymentsACH debit at a flat per-item fee instead of a percentage; eChecks; same-day ACH on eligible items.
Invoices and pay linksLinks by email, text, QR code and WhatsApp; partial payments; deposits and retainers.
Recurring and installmentsSubscriptions, tuition and membership plans, card on file with account updater and automatic retries.
Kiosks and unattendedDonation and self-order kiosks on unattended-rated devices; QR codes at the table, counter or pew.
PayoutsPay vendors and contractors by ACH credit from the dashboard, approved from your phone. ACH & payouts.
PayrollW-2 and 1099 payroll through our payroll partner, on the same login. See payroll.
Switching
Switching is free, and nothing goes down
We set up alongside your current processor, move your data, and cut over only when everything reconciles.
Parallel runYour old system keeps taking payments while we build the new one. Never a day you cannot get paid.
Free migrationContacts, customers, schedules and cards on file (as tokens, with your current provider) move at no charge.
Contract buyout helpStuck in a lease or early-termination clause? We review it case by case and often help offset it. See how switching works →
FAQ
Questions about processing
Do I have to use your software to get your processing?
No. Processing stands on its own. But Basic ($99/mo) is credited back on your monthly processing statement while you process with Merch FinTech, so most businesses turn it on and cancel the tools it replaces.
Who holds the merchant account?
You do. Each business signs its own merchant application and is underwritten by our sponsor-bank processing partner. Merch FinTech is the referring agent. Your merchant account is in your own name with our processing partner, and your stored cards and customer records move with you as tokens and exports if you ever leave.
How fast do I get my money?
Standard funding typically lands the next business day; your schedule is confirmed at approval. Faster and same-day funding options are available on eligible accounts and confirmed in writing. With business banking, deposits, reserves and cards sit in the same dashboard as your payments. See business banking.
What does processing cost?
Two ways. Interchange-plus: the card networks' wholesale cost plus one small, disclosed margin, shown on your statement. Or a compliant dual-pricing or cash-discount program where the card price covers the processing and your cost is zero. Either way there is no PCI program fee, statement fee, annual fee or customer-service fee. ACH is a flat per-item fee instead of a percentage.
Can I keep the terminal I already have?
Often, yes. We reprogram compatible terminals and PIN pads at no charge. Devices locked to another processor's platform usually cannot be reused; we tell you which during your statement review. See hardware.
Is card data stored in my software?
No. Card numbers are tokenized by the gateway and processor. Your records hold a token, the last four digits and the expiry, which keeps your PCI scope small. See security and compliance.
Send one statement. We show you the math.
A free comparison within one business day: your rate today, what interchange-plus would cost, what zero-cost would recover.
305-954-7362 · hello@merchfintech.com