01
In-person payments & POS
Connect checkout, customer experience, reporting, and day-to-day operations with a system suited to your counter.
Explore POS solutions
Payment processing for ambitious businesses
Find the payment setup that fits.
Credit card processing, merchant services, and payment technology built around how your business sells—not a one-size-fits-all package.
Thoughtful recommendations. Clear next steps. Human guidance.
01 In store
02 Online
03 On the go
04 Recurring
Countertop & POSBuilt for the flow of your floor
Online checkoutConnect commerce and payments
Mobile acceptanceTake payments where work happens
Recurring billingSupport repeat revenue
Processing cost simulator
See what a better-fit rate could mean.
Use your actual effective rate—the total processing fees divided by card sales—to model the financial impact of a different payment setup.
Your assumptions
Illustrative impact
Potential annual savings$2,88012.7% of estimated current processing cost
Monthly savings$240
First-year net benefit$2,380
First-year ROI476%
Estimated break-even2.1 mo.
Current monthly cost$1,890
Compared monthly cost$1,650
Estimated transactions1,091/mo.
Estimates are illustrative, not a quote or guarantee. Actual costs and savings depend on card mix, transaction types, monthly fees, equipment, integrations, provider terms, and underwriting. First-year ROI equals annual savings minus the changeover cost, divided by that cost.
The MerchantLocating difference
Your business is specific.
Your payments should be too.
A retailer, restaurant, contractor, and ecommerce brand can process the same card and still need completely different systems. MerchantLocating starts with your workflow, sales channels, and priorities—then helps identify a payment approach that makes sense.
Why businesses choose usA better place to start
Find your payment fit in three questions.
Tell us where you are now and what needs to improve. We’ll point you toward the most relevant next conversation.
No jargon-heavy questionnaire No generic package recommendation Built around your sales model
Question 1 of 3
Are you processing card payments today?
Built for the way you sell
One payment strategy.
Every place revenue happens.
02
Online payment processing
Support secure, convenient ecommerce payments through a gateway that works with your digital storefront.
Explore online payments03
Reporting & visibility
Bring transaction activity into clearer view so your team can reconcile, review, and make informed decisions.
Explore payment toolsCompare what matters
A low headline rate is not the whole story.
The right credit card processing partner should fit the complete operation—not only the transaction.
Decision areaWhat to examineWhy it matters
Pricing clarityMarkup, monthly costs, equipment, contract termsKnow how the full structure affects your economics
Sales-channel fitCountertop, ecommerce, mobile, recurring, MOTOKeep payments aligned across customer touchpoints
TechnologyPOS workflow, gateways, integrations, reportingAvoid forcing the business into disconnected tools
Service modelOnboarding, account support, issue resolutionGet context-aware help when questions arise
Business profileIndustry, volume, ticket size, operating historyStart with a setup aligned to how you actually trade
A clear way forward
From payment friction to a practical fit.
Share your needs
Tell us how you sell, what you process, and what you want to improve.
Review the complete picture
We look beyond a single rate to channels, tools, support, and business fit.
Explore your options
Get a focused path forward based on the information you provide.
Move with confidence
Understand the next steps, requirements, and setup considerations before moving ahead.
Payment clarity
Questions small businesses ask before switching.
Useful answers for evaluating merchant services and choosing a payment processor with greater confidence.
Visit the learning center