Free Payment Processing For Small Business

We can get you from application to approval to saving within one business day. Please read the steps below, and let’s eliminate your business credit card processing fees forever:

1. As soon as we receive your online application, one of our small business processing experts will contact you for a quick call to guide you through the process. It will not take more than a few minutes, and it is totally free. In addition to the application, all we need is a copy of your driver’s license and a voided check. A bank verification letter will work fine if you do not have a void business check. Once we receive that information, we will submit your file to underwriting.
2. Underwriting may ask for your last 3 months of business bank statements and merchant processing statements, but this is rare. Once approved, you will receive an email informing you of your approval. You will also be receiving a call from one of our US-based support representatives telling you about your acceptance.
3. If you require any equipment, it will be programmed and tested from our headquarters and shipped to your business location. A tracking number will be emailed to you upon shipment. Once you receive the equipment, please take it out of the box and set it up. It is designed to be plugged in and ready to use, but instructions and a support number are included if you need any help along the way.
4. If you opted for a virtual online terminal, those login credentials should have already been emailed to you. If you haven’t received them, they should be sent out soon. From your online portal, you can start making transactions immediately. Please look through the portal to see all the different functions and reports you can run.

Different credit card processing companies for small businesses charge varying payment processing fees—most charge between 1.5% and 3.5% of each transaction’s total cost. However, Merchant Cash Advance charges a flat rate pricing set at $79.99. This monthly fee covers credit card processing and all other expenses.

You can save thousands of dollars in processing fees by finding a processing company that offers transparent pricing and lower processing fees. Unfortunately, most companies’ fee structures are complex and complicated. However, we offer one of the most affordable rates for a comprehensive range of credit card processing services.

Credit cards offer one of the safest payment methods. They minimize the risk of fraud, and customers’ data is secured through PCI DSS compliance. Most credit card providers also offer payment protection.

Processing companies incur costs when delivering services such as processing payments and providing merchant accounts. Consequently, they charge their clients for these services.

The best payment processors come with loads of additional features. Additional features are designed to streamline processes, offer more flexibility, and enhance the overall payment processing product.

Merchant Cash Advance offers these additional features:

Cash Discounts & Surcharges

Small business owners incur additional costs when accepting payments via credit card or online. These fees and other transactions charges add up as you receive more credit card payments. Fortunately, we offer two innovative features designed to limit your monthly fees and provide more options:

Cash Discounts

Provide customers who pay with cash a slight discount, such as $.10 on each cash-tender transaction. 

Card Payment Surcharges

Alternatively, you can apply a small fee to all card payments.

Accept Mobile Payments

Credit card payments can now be processed on mobile devices. With our advanced mobile app, you can accept payments and process mobile payments with any mobile credit card reader, making the process easier for you and your customers.

Stay Up-to-date

We have created an automated account updater that automatically updates payment details in your customer’s account in your software platform for those customers who are storing their payment methods. This is useful for customers who have ongoing subscriptions, member profiles, or other recurring purchases.

Hosted Payment Page

Businesses that accept online payments will also appreciate a hosted payment page. This payments transaction page integrates with our hosted payment gateway to process online payment methods from any e-commerce site.

Hosted payment pages come with a variety of benefits, including:

• Customizable email alerts
• Customizable reports to track sales
• Free virtual terminal
• Tokenization encryption
• Integrate your website branding and logo
• Eliminates the need for expensive SSL certificates

Online Reports

Online reports are also available for everything related to your transactions, including your customers. Among the details included in the reports are employee sales reports and information on client purchases. The data can be invaluable for planning and analysis.

StorageSafe

We use the best cybersecurity technology to ensure our clients’ data is safe with StorageSafe. It uses state-of-the-art security systems to protect data stored off-site. StorageSafe encrypts every transaction as it goes out or comes in. Additionally, merchants can set up recurring billing without accessing sensitive data every time a transaction is processed.

Payment Account Reference (PAR)

The Payment Account Reference (PAR) feature can help you show your appreciation to your customers. You can use this feature to identify your most loyal customers by analyzing and reviewing their buying patterns. You can then implement loyalty rewards programs for them. Additionally, this feature can help you build deeper CRM capabilities and better manage customer accounts.

Visa Merchant Purchase Inquiry (VMPI)

You must always provide your customers with the best service possible. The last thing you want is for a customer to believe you conned them, which is why it is advisable to resolve disputed transactions as soon as possible. VMPI (Visa Merchant Purchase Inquiry) is designed for this purpose.

By using VMPI, you can directly connect to the banks that issue your customers’ credit cards. As a result, you can inquire about disputes and resolve them with disgruntled customers transparently. This feature works in real-time to resolve disputes as quickly as possible.

The majority of credit card processing companies offer the following features:

PCI Compliance

All businesses that accept credit card payments (no matter how big or small) are legally required to comply with PCI DSS (Payment Card Industry Data Security Standards) guidelines. These guidelines are designed to ensure credit card holders’ data security and privacy. These guidelines are so broad that they even govern the devices that process credit card payments.

A User-Friendly Interface

The back-end processing of credit and debit card payments is complicated. Most credit card processing companies strive to make their systems easy for their clients by designing user-friendly interfaces.

Multiple Layers of Security

The threat of cyberattacks is growing as hackers get access to more sophisticated programming technologies. However, most credit card processing companies have deflected such attacks because of their sophisticated multi-layer cybersecurity payment solutions. A payments processing company with lax security solutions can put your finances (and the finances of your customers) at risk.

Integration with a Payment Gateway

Some payment processing companies can have your money ready in your account in seconds, while others may take several business days. An integrated payments gateway solves this problem while you process payments and also helps improve users’ data privacy and security.

Every retail business must have an efficient and reliable credit card processor and a Point of Sale (POS) system. Merchant Cash Advance (MCA) offers a variety of countertop terminals and POS solutions for small businesses of all types. We can help you set up your card reader and payment processor quickly.

Our payment processor system and devices work with a range of payment terminals, including:

OVVI

OVVI is a complete point-of-sale system specifically designed for restaurants and retail businesses such as salons and convenience stores. The service is designed to integrate with several vendors that work with third parties, including Uber Eats and DoorDash. Additional features include a table layout, custom menu layouts, and unlimited split check options. The program consists of more than 600 built-in features.

Ingenico

Ingenico is one of the largest credit card terminal manufacturers in the industry. Its features and services include a virtual terminal for online businesses, contactless payments including NFC, fraud and chargeback prevention, ACH and eCheck processing, and mobile payment apps.

PAX Technologies

To provide high-quality POS machines, PAX Technologies utilizes the Android and Linux platforms. These machines are equipped with a large number of payment processing features. They accept a wide range of credit card and online payment options, including Apple Pay.

Clover

Clover offers an intuitive interface that is easy to use and learn, making it easy to set up. Clover provides a robust app marketplace. These apps can be integrated with the Clover POS to offer a wide range of business solutions, including tracking inventory, monitoring your revenue streams, generating analytical reports, and managing employees and customers. 

Fiserv (Formerly First Data)

Fiserv is one of the largest payment processing companies with more than six million users worldwide, processing more than $2 trillion per year. It is also estimated that they handle more than 40% of all transactions made with credit and debit cards in the U.S. Fiserv offers a variety of terminal and POS machines catering to businesses of all sizes.

Poynt

Poynt is an Android-based POS system that provides a comprehensive range of payment processing services. As a future-proof platform, it offers advanced features and solutions. Among these is the shift away from traditional debit cards and the rise of digital wallets and EMV chip cards. 

TSYS Vital POS

TSYS Vital POS offers a wide range of features. Among its features are inventory management, employee management, and tax reporting. It also provides countertop devices that can perform all POS functions for a more organized and less hectic approach to payment processing. Small and growing businesses can find this to be an excellent POS system.

Verifone

Verifone’s solutions include high-quality devices that can process up to 300 transactions on a single charge. The system also generates analytical reports, which helps with planning and marketing functions. It is compatible with Android, iOS, and web-based platforms and can be integrated with other third-party applications.

It is the businesses’ responsibility to protect their customers’ data when accepting credit cards and online transactions. The Payment Card Industry Data Security Standard (PCI DSS) rules and guidelines are designed to compel businesses to uphold reliable security standards.

Credit card processing service providers enforce these guidelines and rules. Failure to comply can lead to hefty penalties for your credit card processor, affecting your credit card processing services.

We make it easy for our clients to comply with the latest rules and guidelines. We offer a combination of tools designed to secure your customers’ data so that you don’t have to worry about tracking or breaking PCI compliance guidelines.

Credit cards are the preferred payment method today due to their convenience and speed. Card payments account for more than 70% of all in-person payments in brick-and-mortar stores and about 50% of all online transactions. Due to this, businesses without a credit card processor will lose a great deal of revenue.

Credit card processing has many benefits for large and small businesses, including:

• Accepting all types of debit and credit cards
• Offering customers alternative payment options
• Legitimizing your company among clients that prefer paying with credit cards
• Boosting sales to grow your business
• Improving your cash flow through your merchant account