Business Card Processing Made Easy (Yes, Really!)
Simplifying Payment Acceptance for Your Business
Business card processing is the technology and service that allows your business to accept credit and debit card payments from customers. It involves the secure transfer of funds from your customer's account to your business bank account.
What is Business Card Processing in a Nutshell:
Component Description Authorization Verifying the customer has sufficient funds Processing Transferring payment data through networks Settlement Moving funds from customer account to merchant account Fees Typically 1.5% to 3.5% per transaction depending on provider and card type Hardware Card terminals, mobile readers, or virtual terminals for online payments
Business card processing is essential for modern businesses, with over 77% of consumers preferring to pay with cards rather than cash. In fact, cash payments now account for only 16% of in-store transactions as of 2023.
The days of "cash is king" are over. Your customers expect convenient payment options when they shop with you – whether in-store, online, or on the go. Without card processing, you're likely missing out on sales and limiting your business growth.
Modern payment solutions offer more than just transaction processing. They provide valuable data insights about your customers' buying habits, help maintain security compliance, and can integrate with your point-of-sale system to streamline operations.
I'm Lydia Valberg, co-owner of Merchant Payment Services, where I've spent years helping small businesses implement transparent, affordable business card processing solutions that eliminate hidden fees and confusing contracts. My approach focuses on educating business owners about the payment ecosystem so they can make informed decisions that support their growth.
What Is Business Card Processing?
Ever wonder what actually happens when your customer hands over that little piece of plastic? Business card processing is far more than just a simple money transfer – it's a carefully choreographed dance happening behind the scenes in mere seconds.
When your customer pays with a card, they're kicking off a complex process involving multiple financial institutions, security protocols, and verification steps. Yet for you and your customer, it all happens seamlessly.
Business card processing breaks down into three main phases:
Authorization: Your customer's card details are verified and their bank confirms they have enough funds.
Authentication: Security measures check that the transaction is legitimate (not fraudulent).
Settlement: The money moves from your customer's account into your business account.
As Sarah, a boutique owner in Columbus who switched to our services last year, told us: "I used to think card processing was just about swiping plastic. Now I understand there's an entire ecosystem working behind each transaction, which helps me explain the process to my staff much better."
The Nuts-and-Bolts Workflow
Let's walk through what actually happens during a typical transaction:
Your customer presents their card (or enters details online), and your payment terminal captures this information. This data gets encrypted immediately and zips off to a payment processor, who routes it to the appropriate card network like Visa or Mastercard.
The card network forwards everything to your customer's bank, where the magic happens – they check available funds, look for any fraud red flags, and send approval (or decline) back through the same channels. Your terminal displays the result and prints a receipt if needed.
At the end of your business day, all those approved transactions get "batched" together for settlement, and the funds land in your merchant account typically within 1-3 business days.
The whole authorization process takes just 2-3 seconds – which is pretty remarkable considering the journey that information takes!
Key Players & Terminology You'll Hear Daily
Understanding who's who in the business card processing world makes everything clearer:
Card networks like Visa, Mastercard, and American Express maintain the highways where transaction data travels. Issuing banks provide cards to consumers, while acquiring banks process payments for merchants like you.
Your payment processor handles the technical heavy lifting of moving data between all parties. If you sell online, a payment gateway securely transmits card data between your website and the processor.
All this activity happens through your merchant account – a specialized bank account designed specifically for processing card payments. Some businesses use a payment facilitator (PayFac) that lets them process under a master merchant account instead of opening their own.
"The terminology was overwhelming at first," admits Mike, who runs a food truck in Cincinnati. "But once I understood the basic roles everyone plays, choosing the right processing solution for my mobile business became much easier."
Understanding the interchange fees (what card-issuing banks charge for processing) and tokenization (replacing sensitive card data with non-sensitive tokens) helps you make smarter decisions about your payment setup. And knowing how chargebacks work protects your business when disputes arise.
When you partner with Merchant Payment Services, we walk you through all these concepts in plain English – because we believe educated merchants make better decisions for their businesses.
Why Your Business Can't Afford to Skip Card Payments
Remember the days when "Cash Only" signs were common? Those days are fading fast. The numbers paint a clear picture of America's shifting payment landscape: digital payments are on track to hit a staggering $12 trillion by 2028, with over half of all retail transactions now happening through smartphones. In 2024 alone, nearly 27 million QR code payments were scanned across the country.
But what does this mean for your business? Simply put, business card processing isn't just nice to have—it's essential.
When Sarah opened her boutique in Cincinnati last year, she initially hesitated about card processing fees. "I thought I'd save money by staying cash-only," she told me. "Within two weeks, I realized I was losing customers who walked out when they saw my payment limitations. Getting set up with proper card processing literally saved my business."
What Sarah found reflects what we see across thousands of merchants: customers who pay with cards spend 12-18% more on average than those paying cash. When people aren't limited by the bills in their wallet, they often make that extra purchase or upgrade.
Business card processing also dramatically improves your operational efficiency. Rather than making daily bank runs with cash deposits or waiting for checks to clear, card payments can hit your account within 24 hours—sometimes even same-day. This predictable cash flow helps you manage inventory, make payroll, and plan for growth with confidence.
"The shift toward cashless has been remarkable," notes Marcus, who runs a food truck in Columbus. "Five years ago, maybe 30% of my customers used cards. Today, it's closer to 80%, with many using contactless payments or digital wallets. Without modern payment options, I'd be turning away most of my business."
Beyond convenience, accepting cards projects professionalism. When customers see you accept multiple payment methods, it signals that your business is established, customer-focused, and here to stay. It builds the kind of trust that turns first-time buyers into loyal patrons.
The contactless revolution has accelerated this trend even further. Tap-to-pay transactions skyrocketed during the pandemic and haven't slowed down. Many customers now actively prefer businesses that offer touchless payment options for both convenience and hygiene reasons.
Want to see these payment trends in action? Watch this video showing how different payment methods affect customer behavior and business growth.
In today's increasingly cashless America, business card processing isn't just about accommodating customer preferences—it's about staying competitive and positioning your business for growth. When you make it easy for customers to pay their way, you remove the final barrier between them and a completed purchase.
Types of Business Card Processing Solutions (In-Person, Online, Mobile)
Today's business card processing solutions come in many flavors to fit exactly how your business operates. Whether you're greeting customers face-to-face, selling online, or constantly on the move, there's a payment solution designed with your specific needs in mind.
In-Person Terminals & POS Systems
When customers walk through your door, you need reliable, easy-to-use payment options that won't keep them waiting.
Those sleek countertop terminals you see everywhere are perfect if you need something straightforward that doesn't hog counter space. They handle everything from traditional magstripe cards to the latest tap-to-pay options, all while taking up minimal real estate in your checkout area.
For businesses needing more muscle, modern POS systems do much more than just take payments. They're like the command center of your business operations, bringing together payment processing with inventory tracking, employee schedules, and detailed sales reports. Most include touch-screens, integrated card readers, receipt printers, and cash drawers all working together seamlessly.
"We upgraded from a basic terminal to an integrated POS last year," shares Mike from Dayton Bike Shop. "Now I can see which products are selling, track inventory in real-time, and even identify my best customers—all while processing payments faster than before."
The real magic happens when your payment system talks directly to your business software. These integrated solutions eliminate those end-of-day headaches of manually matching up sales and payments, saving time and reducing those frustrating human errors.
Denise from Bun Mee restaurant puts it simply: "Merchant Payment Services was super easy to work with and set up. It was a very easy transition. Staff was onsite to make sure that we were taken care of."
Business Card Processing for Online Sales
The digital storefront requires different tools to keep transactions flowing smoothly around the clock.
The payment gateway is the unsung hero of online sales—it's the secure bridge connecting your website to the payment processor. Good gateways offer customizable checkout pages, tools to fight fraud, and the ability to set up recurring payments for subscription-based businesses.
Most popular e-commerce platforms like Shopify and WooCommerce come with pre-built connections to payment processors, making setup relatively painless even for tech-shy business owners.
For businesses taking orders by phone or wanting to manually process payments, virtual terminals turn any computer into a payment processing machine. Simply type in the card details, and you're good to go—no physical card needed.
Service businesses love digital invoicing solutions that let customers pay with a simple click. "My clients used to mail checks, which meant waiting days or even weeks to get paid," explains Sandra, a consultant in Kettering. "Now I send digital invoices with payment links, and most clients pay the same day. It's transformed my cash flow."
For Ohio businesses looking to sell online without technical headaches, we offer seamless integration with all major e-commerce platforms, getting you up and running quickly with minimal setup.
Business Card Processing on the Go
Mobile payment solutions have changed the game for businesses that don't stay in one place.
Those tiny card readers that plug into smartphones or tablets let plumbers, food truck operators, and festival vendors accept cards anywhere with cell service or Wi-Fi. No more "cash only" signs turning away potential customers!
The latest innovation—Tap to Pay on iPhone—turns compatible iPhones into payment terminals without any extra hardware. It's perfect for pop-up shops, delivery services, or creating additional checkout points during busy periods.
Pay-by-link technology lets you send payment requests via text or email that customers complete on their own devices—ideal for curbside pickup, delivery services, or remote consultations where physical card exchanges aren't practical.
Mobile POS apps bring full-featured point-of-sale capabilities to tablets and smartphones, giving you the power of a complete checkout system that fits in your pocket.
"Being able to accept card payments on-site increased our sales by 30%," a mobile service provider in Beavercreek told us. "Customers appreciate the convenience, and we appreciate getting paid immediately rather than invoicing and waiting."
From traditional terminals to cutting-edge mobile solutions, modern business card processing options can be custom to fit exactly how your business operates and where your customers prefer to shop. The key is finding the right mix of tools that make payments effortless for both you and your customers.
Understanding Fees & Pricing Models
Let's face it – the fees associated with business card processing can feel like trying to decipher a foreign language. When business owners come to me with questions, they're often frustrated by confusing statements and unexpected charges from their previous providers.
I'm going to break this down into plain English so you can understand exactly what you're paying for.
Interchange-Plus Pricing
Think of interchange-plus as the "what you see is what you get" model. It shows you both the non-negotiable card network fees and what your processor is charging on top.
What you pay: Interchange + processor markup (typically something like interchange + 0.15% + $0.07 per transaction)
This model shines with its transparency. You'll see exactly what Visa or Mastercard charges versus what your processor adds. For businesses processing over $10,000 monthly, this often results in the lowest overall costs.
The trade-off? Your monthly statements might look a bit like a math textbook, and your costs will fluctuate based on which cards your customers use. Business and rewards cards typically have higher interchange rates than basic cards.
Flat-Rate Pricing
If you value simplicity above all, flat-rate pricing might be your cup of tea.
What you pay: One consistent rate regardless of card type (like 2.6% + $0.10 per transaction)
Sarah, who runs a seasonal ice cream shop in Dayton, told me: "I love knowing exactly what I'll pay for each swipe. During our busy summer months, I can calculate my processing fees in my sleep."
Flat-rate pricing works beautifully for businesses with lower volumes or seasonal operations. However, as your volume grows, you're likely overpaying compared to interchange-plus, especially for regular consumer card transactions.
Subscription Pricing
This newer kid on the block flips the traditional model on its head.
What you pay: Monthly subscription fee + interchange + small per-transaction fee
Instead of marking up each transaction significantly, subscription models charge a monthly fee (often $99-$199) in exchange for much lower per-transaction fees. If you're processing higher volumes, the math often works in your favor.
James, who owns a busy hardware store in Cincinnati, switched to this model last year. "Even with the monthly fee, I'm saving about $400 a month compared to my old flat-rate processor," he shared.
Tiered Pricing
I'll be honest – we rarely recommend tiered pricing at Merchant Payment Services because it typically lacks transparency.
What you pay: Different rates based on whether transactions are "qualified," "mid-qualified," or "non-qualified"
While the statements look simpler, processors control which transactions fall into which tiers. That premium rewards card that should be "qualified" might mysteriously end up as "non-qualified" with a much higher rate.
Many businesses come to us after finding they're paying far more with tiered pricing than they initially understood.
Beyond Processing Rates: The Hidden Fee Minefield
Processing rates grab the headlines, but other fees can silently drain your profits:
Monthly fees can add up quickly. Watch for statement fees, PCI compliance fees, gateway access fees, and account maintenance fees that might be buried in the fine print.
Incidental fees hit when certain events occur – chargebacks ($15-50 each), refunds (sometimes you still pay the processing fee), and batch processing fees.
Hardware costs vary dramatically. Some providers offer "free" terminals that come with higher processing rates or long-term contracts, while others sell terminals outright or charge monthly rental fees.
Early termination fees can be the most painful surprise – sometimes thousands of dollars if you need to switch providers before your contract ends.
"When I first started looking at payment processors, the different pricing models made my head spin," says Ronak Shah, a retail shop owner in Cincinnati. "Merchant Payment Services broke down exactly what I'd pay with each model based on my specific business. That transparency was a breath of fresh air."
At Merchant Payment Services, we believe you deserve complete clarity. That's why we offer month-to-month agreements with no early termination penalties and transparent fee structures. You'll never find yourself locked into a costly long-term contract or scratching your head over mysterious charges on your statement.
Want to see how much you could save with more transparent pricing? Check out our guide to Affordable Credit Card Processing for a deeper dive into finding the right pricing model for your business.
Staying Secure & PCI Compliant
Security isn't just a technical checkbox—it's absolutely essential for your business survival. A data breach can do more than hurt your wallet; it can shatter customer trust that took years to build.
Understanding PCI DSS Compliance
Ever wonder why you get those annual questionnaires about your payment systems? That's PCI DSS (Payment Card Industry Data Security Standard) in action. Think of it as the security rulebook that every business accepting cards must follow—from the corner coffee shop to major retailers.
"When I first heard about PCI compliance, I nearly broke out in hives," jokes Maria, who owns a boutique in Dayton. "But our rep at Merchant Payment Services explained it in plain English and helped us get compliant without the tech headaches."
PCI compliance isn't optional, but the requirements do scale with your business size. If you process fewer than 20,000 transactions annually, you'll have simpler requirements than major retailers—but you still need to meet the standards.
The core of PCI compliance focuses on protecting your customers' card data through secure networks, strong access controls, regular testing, and having clear security policies. Think of it as a security blueprint specifically designed for businesses that handle payment cards.
Key Security Technologies
Modern business card processing uses several powerful technologies to keep transactions secure:
End-to-End Encryption (E2EE) works like an armored car for data—protecting card information from the moment your customer taps their card until it reaches the processor. Even if someone intercepts the data, it's unreadable gibberish to them.
Tokenization replaces actual card numbers with meaningless tokens in your system. If your business suffered a data breach, hackers would only find useless tokens instead of actual card numbers—like stealing a wallet full of expired gift cards.
EMV Chip Technology creates a unique code for each transaction, making cards nearly impossible to counterfeit. That's why we've all switched from swiping to inserting or tapping our cards.
Point-to-Point Encryption (P2PE) takes security even further by protecting data throughout the entire payment journey. It's like having security guards accompanying your data at every step.
For online transactions, 3D Secure adds an extra authentication step—usually a code sent to the customer's phone or an app verification—making it much harder for fraudsters to use stolen card information.
"I was nervous about handling customer card data at my small hardware store," shares Tom from Beavercreek. "Merchant Payment Services showed me how their systems keep the sensitive data out of my hands entirely—which protects both my customers and my business."
Practical Security Steps for Merchants
Beyond the high-tech solutions your processor provides, here are down-to-earth steps that make a real difference in payment security:
Your employees are your first line of defense, so train them well. Make sure they know how to spot suspicious cards or behaviors and understand your security protocols.
Use strong, unique passwords for all payment and business systems, and change them regularly. Yes, it's annoying—but not nearly as annoying as dealing with a data breach!
Keep all your payment software and systems updated. Those updates often contain important security patches that protect against newly finded vulnerabilities.
Limit access to payment information on a need-to-know basis. Your summer intern probably doesn't need full access to your payment processing dashboard.
Consider using fraud detection tools offered by your processor. They can flag suspicious transactions before they're completed, saving you from chargebacks down the road.
"Security was my biggest worry when I started accepting cards at my medical practice," says Dr. Williams from Fairborn. "Merchant Payment Services walked me through everything and simplified PCI compliance, which gave me peace of mind about protecting my patients' information."
At Merchant Payment Services, we include PCI compliance assistance with all our processing solutions. We believe security shouldn't require an IT degree—that's why we help businesses throughout Ohio maintain secure payment environments without the technical headaches.
For more detailed information, check out our PCI Compliance Guidelines where we break down exactly what you need to know.
How to Choose and Switch Providers Step-by-Step
Picking the right business card processing provider isn't just another business decision—it's one that touches nearly every aspect of your operation. From how quickly you get paid to how smoothly your customers check out, this choice matters deeply.
I've guided hundreds of business owners through this process, and I've seen how the right match can transform a business's financial operations. Whether you're accepting cards for the first time or feeling frustrated with your current provider, here's how to steer this important decision.
Steps to Get Started with a New Account
The journey to better payment processing begins with understanding exactly what your business needs. Start by taking a clear-eyed look at your sales patterns—do you mostly handle small transactions or larger purchases? Do customers primarily shop in-person, online, or both? These patterns matter tremendously in finding your perfect match.
Research is your best friend in this process. When comparing providers, look beyond the advertised rates to understand the total cost of doing business. A seemingly great rate can quickly lose its shine when monthly fees, statement fees, and compliance charges get added to the mix.
Maria, who owns a boutique in Beavercreek, told me: "I almost signed with a processor that advertised 1.9% rates, but when I dug into the contract, there were monthly minimums and statement fees that would have cost me hundreds more each year. Merchant Payment Services showed me the total picture upfront."
When you're ready to apply, you'll need to gather some documentation. This typically includes your business license, tax ID, bank account information, and personal identification for the business owners. This paperwork helps processors verify your business is legitimate and assess any risk factors.
The application process itself varies between providers, but generally involves submitting your paperwork, undergoing a review (called underwriting), and signing your processing agreement. This is where reading the fine print becomes crucial—look carefully for contract length, cancellation terms, and any fees that weren't previously disclosed.
Once approved, you'll need to set up your actual processing infrastructure. This might mean programming physical terminals, connecting a payment gateway to your website, or setting up a mobile card reader. Most importantly, take time to thoroughly test everything before you start accepting real customer payments.
Seamless Switching Without Downtime
Already accepting cards but feeling it's time for a change? Switching providers requires a bit more finesse to ensure you don't experience any payment interruptions.
Your first step should be to review your current contract thoroughly. Look specifically for early termination fees, equipment return requirements, and notice periods. Some contracts renew automatically if you don't provide notice within a specific window, so timing matters.
Jim, a hardware store owner in Fairborn, shares: "I was stuck in a three-year contract cycle because I missed the 90-day window to cancel before automatic renewal. When I switched to Merchant Payment Services, I was relieved to have a month-to-month agreement with no hidden renewal tricks."
Parallel processing is your secret weapon for a smooth transition. This means setting up your new processing system while your old one is still active, allowing you to test thoroughly before making the complete switch. Consider timing this switch during a naturally slower period for your business.
Hardware transitions require careful planning. Determine whether your existing equipment belongs to you or is leased from your current processor. In some cases, existing terminals can be reprogrammed to work with a new processor, saving you the cost of new equipment.
Don't forget about open batches and pending transactions. Make sure all transactions have settled with your old processor before deactivating that system, and keep sufficient funds in your account to cover any pending deposits or chargebacks that might still come through.
Finally, update any software integrations that connect to your payment system. This might include your accounting software, inventory management system, or e-commerce platform. Test each integration thoroughly to ensure data flows correctly.
At Merchant Payment Services, we've developed a reputation for handling these transitions with minimal disruption. We often hear from relieved business owners who expected the switch to be painful but instead found it surprisingly straightforward.
"We were nervous about switching processors because we couldn't afford any downtime in our restaurant," explains a business owner from Kettering. "Merchant Payment Services handled everything, from reprogramming our terminals to updating our POS integration. We literally switched overnight without missing a single transaction."
The best part? With our month-to-month agreement, you're never locked into a long-term commitment. We believe in earning your business every month through exceptional service and transparent pricing, not through restrictive contracts.
Frequently Asked Questions About Business Card Processing
What is a merchant account and do I need one?
Think of a merchant account as the middle-man between your customers' payments and your business bank account. It's a specialized account that temporarily holds funds from card transactions before they land in your regular business account.
Whether you need one depends on your business situation. Traditional payment processors require dedicated merchant accounts, which means going through an underwriting process and typically paying monthly fees. On the other hand, payment service providers like Square let you process payments under their master merchant account—no separate merchant account needed.
"When I was starting my coffee shop, I was confused about merchant accounts," shares Maria from Dayton. "Merchant Payment Services explained that as a new business, I could start without one and upgrade later as my volume grew."
We offer both options at Merchant Payment Services: dedicated merchant accounts for established businesses with higher transaction volumes, and simplified solutions without separate merchant accounts for smaller or newer businesses.
How fast will I receive my funds after each batch?
Getting your money quickly matters—especially for small businesses managing cash flow. Here's what typically happens with business card processing:
Standard processing usually takes 1-3 business days for funds to hit your account. Next-day funding gets you your money the following business day (usually requiring you to batch out transactions by a specific cutoff time). Some processors offer same-day funding for an additional fee, while instant funding options are available from select providers at premium rates.
At Merchant Payment Services, qualified merchants receive next-day funding as our standard offering. We also provide same-day options for businesses that need faster access to their cash flow.
A food truck owner in Columbus told us: "Having funds available the next morning means I can buy ingredients for the day without dipping into my reserves. That next-day funding has been a game-changer for my daily operations."
Are there hidden fees or long-term contracts to watch for?
The payment processing industry has unfortunately earned a reputation for burying fees in fine print and locking merchants into restrictive contracts. Here's what to keep an eye out for:
Many processors charge hidden fees like PCI non-compliance fees, monthly statement fees, batch processing charges, annual "technology" fees, IRS reporting fees, and the dreaded early termination penalties. Contract terms to scrutinize include automatic renewal clauses, liquidated damages provisions, equipment leasing terms, minimum processing requirements, and rate increase conditions.
"After being hit with a surprise $295 'annual technology fee' by my previous processor, working with Merchant Payment Services has been like a breath of fresh air," says Tom, a hardware store owner from Beavercreek. "Their statements are crystal clear, and there are never any surprise charges."
At Merchant Payment Services, we've eliminated these industry pain points with transparent, month-to-month agreements. We believe in earning your business every month through exceptional service—not by trapping you in long-term contracts with painful exit penalties.
How do I choose between all the hardware options?
Selecting the right payment hardware doesn't have to be overwhelming. The best choice depends on how your business operates.
For retail stores, countertop terminals or integrated POS systems usually work best. Restaurants might benefit from tableside ordering and payment devices that improve turnover and customer experience. Mobile businesses like food trucks or service providers need the flexibility of smartphone card readers. High-volume businesses should prioritize processing speed and durability.
Also consider what payment types your customers prefer. Modern terminals should accept chip cards, contactless payments, and mobile wallets like Apple Pay and Google Pay. Think about future needs too—the payment landscape is constantly evolving.
Integration requirements matter as well. Will your payment hardware connect seamlessly with your existing POS system? Does it work with your inventory management software or accounting programs?
"I was overwhelmed by all the terminal options until my Merchant Payment Services rep asked me simple questions about how I run my business," explains a boutique owner from Kettering. "They matched me with exactly what I needed—nothing more, nothing less."
At Merchant Payment Services, we provide free terminals and various hardware options custom to your specific business needs. Our team helps you select the right equipment based on your unique requirements, without pushing unnecessary features or expensive leases.
Conclusion
Let's be honest—business card processing doesn't have to give you a headache. With the right partner by your side, payment solutions can be straightforward, secure, and actually help your business grow instead of becoming another source of frustration.
The world of payments is changing faster than ever. Contactless options, digital wallets, and smart business tools aren't just fancy add-ons anymore—they're becoming essential to staying competitive. Embracing these technologies isn't just about keeping up; it's about setting your business up for success in our increasingly digital world.
Here at Merchant Payment Services, we've built our reputation on making payment processing simple and transparent for businesses across Ohio—from Dayton to Cincinnati to Columbus and everywhere in between. We believe you shouldn't be locked into complicated contracts or be surprised by fees that mysteriously appear on your statement.
Our philosophy is refreshingly simple:
First, we believe in transparency. What you see is what you get—clear pricing with no surprises hiding in the fine print.
Second, we offer genuine flexibility with month-to-month agreements. No long-term contracts, no early termination penalties, and no pressure to stay if we're not delivering value.
Third, we provide local, responsive support from real people who understand your business challenges because we face them too.
"Switching to Merchant Payment Services was the best business decision I made last year," shares Mike from a popular Columbus restaurant. "They took the time to understand my business and set me up with exactly what I needed—nothing more, nothing less."
Whether you're just dipping your toes into card payments or you're fed up with your current provider's hidden fees and poor service, we're here to help you steer the options. Our goal is to find solutions that fit your specific business needs—not to sell you the most expensive package.
Ready to simplify your business card processing with a partner who values transparency as much as you do? Get started with online processing today and find why so many Ohio businesses trust Merchant Payment Services to handle their payments.
After all, shouldn't your payment processor work for you, not the other way around?