no hidden fees

NO HIDDEN FEES

no mark up

TRANSPARENT PRICING

no monthly subsciption

NO MONTHLY SUBSCRIPTION

no contact

NO Contract

How Does Merchant Bankcard Save You
On Credit Card Processing?

Its Simple... we eliminate all the middlemen that your paying every time you authorize a customers card

You run a transaction

You run a transaction

Transaction diagram arrow image1 Transaction diagram arrow image2
The sales agent who originally set up your account earns a commission not just on your business signing up with him, but also ON EVERY SALE CARD YOU RUN

The sales agent who originally set up your account earns a commission not just on your business signing up with him, but also ON EVERY SALE CARD YOU RUN

Transaction diagram arrow image3 Transaction diagram arrow image4
Independent sales Office (ISO) who the sales agent submits the application with takes a piece ON EVERY CARD YOU RUN
Transaction diagram arrow image5 Transaction diagram arrow image6

Independent sales Office (ISO) who the sales agent submits the application with takes a piece ON EVERY CARD YOU RUN

Payment processor that ISO office uses to authorize your sales takes a piece ON EVERY CARD YOU RUN

Payment processor that ISO office uses to authorize your sales takes a piece ON EVERY CARD YOU RUN

Transaction diagram arrow image7
Card Brand that issues a credit card charges fees for the risk of authorizing your sale

Card Brand that issues a credit card charges fees for the risk of authorizing your sale

Verses (VS) Image

You run a transaction

You run a transaction
Transaction diagram arrow image9 Transaction diagram arrow image
Transaction diagram arrow image11 Transaction diagram arrow image12
Card Brand authorized sale

Card Brand authorized sale

brand holder brand
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Like what you see? Get Started

Best in Class Credit Card Merchant Services 2025

Month to Month

Month to Month Merchant Services

Are you tired of getting hooked into long term contracts that disappoint on the service they deliver? We offer month to month services for all of our low risk retail establishments. This is the ideal situation for most small businesses as it forces us to compete for your business each month. If you arent satisfied with the services, simply return the machine to us and go elsewhere. No Early Termination Fees (ETF), no annual fees and no junk fees, no hidden fees.

We`ve Got Your Back

We`ve Got Your Back

Merchant Bankcard offers proven reliable equipment and a genius technical support staff to have you up an running at lightning speed.When you call customer support, you will ALWAYS talk to a real human being and will never be stuck on hold. NO more phone system mazes to find help. Test US OUT!

Talk to a real person who is available 7 days a week to take your calls, text/sms or emails.

We`d love to Help!

We`d love to Help

Merchant Bankcard knows that a small business owners time is precious. Merchant Bankcard is equipped with the best tech and customer support staff around. We pride ourselves in our 100% U.S Based customer service team are always prepared to help with whatever you need. Enjoy the benefits of working with a highly trained staff that has one job to do... Make sure your 100% satisfied with your merchant account!!

Dedicated Representative

We know how it important it is to have support, especially when your business needs it the most. Once you join the Merchant Bankcard family you will be assigned a dedicated account manager who will be your one and only contract for whatever you need at the time you need it. You will have your account manager personal cell phone number that you can call, text, or email at anytime. We are real humans here dedicated to helping you provide lowest fee, exceptional service you need in todays' business climate!

Solutions for Every Type of Business

  • Mobile EMV Card Reader

    Customer Pays Credit Card Fees

    We offer a fee savings program for restaurants, bars, retail storefronts, automotive centers, fuel / gas station, smoke shops, convenience stores, any retailer who wants to reduce and eliminate all of their credit card processing fees. Customer pays all fees which are added onto the receipt.

  • Ecommerce

    Ecommerce / Internet

    Internet merchant accounts Give your customers the power to make online purchases right from your website. Merchant Bankcard's secure gateway, will give you the tools you need to run any online store, from monthly billing systems, selling subscriptions to one-time bill payments.

  • Retail Credit Card Processor

    Retail Credit Card Processor

    Get a free credit card machine for your small business. No hidden fees, Month to Month, Cancel Anytime. Delivered ready to use for your wifi network, simply plug in and start selling securely. You pay the fee or customer pays the credit card fees.

  • Flat Rate Pricing

    Flat Rate Pricing 2.50%

    Pay one low flat rate for all retail credit card processing face-to-face transactions of 2.50% and .10 per transaction. Monthly Fee is 10.00 per month and is a month to month service, cancel anytime. Free Credit Card Terminal is included in this program. Rates are lower and cheaper then Square, Stripe and Clover! Save money for the same or better services. Why pay more for a service like Square that you can never call for help?

  • POS Retail Solutions

    POS System Solutions

    Whether you need a simple countertop terminal or an all-in-one point of sale system, we have the dynamic solutions your business needs. We support and integrate with all types of POS systems including traditional PC or Latop based POS, iPad, Android tablet based, stand alone and or Cloud Based POS systems.

  • High Risk Friendly Merchant Account

    High Risk Friendly

    We have multiple banks and can support all types of high risk merchants. We will approve every type of high risk credit card processing type and integrate with crm ystems, pos systems and ecommerce platforms. Merchant Bankcard supports all of the high risk merchant account categories. All of them! Please note that High Risk Merchant Accounts may be subject to additional fees and rates.

cost gurantee

CUSTOMIZED TO YOUR BUSINESSES UNIQUE NEEDS...AT MUCH LESS THAN THE COMPETITORS

Merchant Bankcard customers tell us over and over that thay have peace of mind knowing they have the lowest rates and they can actually understand their merchant statements.Rates customized to meet the unique needs of your business!

membership image

Retail Store

2.50% + .10¢
  • Lowest Monthly Fees $10 Per Month
  • Month To Month Service, No Contract /> Month To Month </li> <li><img src= Same Day Approvals
  • Next Day Merchant Deposits Next Day Deposits

Face To Face

Surcharge Customer

3.00% on All Transactions
  • 19.95 Monthly Service Fee$19.95 Per Month
  • Free Credit Card Machine FREE Credit Card Machine
  • Customer Pays CC Fees Customer Pays ALL Fees
  • Next Day Deposits Next Day Deposits

Save The Most

Internet/Website

3.50% + .10¢
  • Cheapest Monthly Fees$10 Per Month
  • Free Payment GatewayFREE Gateway & Set Up
  • Same Day ApprovalsSame Day Approvals
  • Next day Credit Card Processor DepositsNext Day Deposits

Card Not Present

Benefits

  • No Annual Fee Cancellation Fees
  • Free WiFI CC Terminal
  • Cheapest Flat Rate Pricing
  • Next Day Deposits
  • Live U.S. Based Support 24/7/365
  • Same Day Approval
Beneficial for Small Business

Take Advantage Of Our Satisfaction Guarantee

We understand that shopping around for a credit card processor can be a hassle. Keeping that in mind we offer low pricing to all of our merchants and you are never locked in to a contract giving you the benefit without the risk.


If your are not 100% satisfied for ANY reason al all, or you are satisfied but want to cancel... we will pick up the free equipment we send out to you and part ways free and clear.

satisfaction Guaranteed! Start Taking Advantage of These Benefits


  • Merchant Processing Solutions Built for Debt Collection Agencies
    • Customer Support icon

      Dedicated
      Customer Support

      We STRIVE to have the most dedicated and experienced staff in the entire industry. We will be here for you every step of the way

    • report in same day

      Same Day
      Approval

      Online Application Process takes 5 minutes and your terminal will arrive preprogrammed within 2 business days

    • Get Paid Faster

      Get Paid Faster

      Funds are deposited into your bank account with in 24 hours of processing transaction

    • Security

      Serious About
      Security

      We Protect your payment data with our bank highest level of security so you can concentrate on running your business

    • Free Trial

      30 Days Risk Free Trial.
      Talk is Cheap

      We know you will absolutely save money and love our service that you can try us out risk free

    Retail Swipe Save Money on Credit Card Processing Fees in 2025

    Start saving money on credit card fees and get the better service in 2025! Speak to real human beings who answer the phone, who work hard to deliver great service and are available by text, phone and email. Most of our stave have been merchants themselves and understand how the industry works from the business owner's perspective. We offer multiple options and transparent pricing structure with no hidden fees. Our month to month program ensures we stay honest with you and have to work hard everyday to deliver you great credit card processing service.



    High Risk Friendly Merchant Accounts Too

    Some other credit card processors will quickly close you and terminate your account due to being classified as "High Risk". But merchant bankcard supports high risk merchant accounts! We support all types of high risk industries including Debt Collection Agencies, Timeshare Companies, Airline Services, Cruise Line Services, Travel Companies, Hotel & Lodging, Gentleman Clubs, Head Shops, Adult Businesses, Credit Repair Companies, Loan Servicers, Title Loan Companies, Smoke Shops, CBD / Hemp / Delta-8 / THC-A CBD retailers, Kratom Companies, Pharmaceutical / Telemedicine Services, SEO/Internet Marketing Business, Digital Marketing Companies, PC Tech Support, Inbound / Outbound Call Centers, Telemarketing Companies, and So much more! Please note that high risk merchant accounts may be subject to higher rates and fees and do not necessarily qualify for the low risk flat rate programs.

    DON'T GET STUCK WITH A BAD CONTRACT

    We know that nothing is worse then a long term contract with a sucky service provider. So we offer month to month credit card processing that doesnt tie you up with a poor service provider with high early termination fees. If you arent happy just send us the credit card machine back and go elsewhere. No long term commitments.

    GET STARTED NOW!

    We make the setup process super easy! Just fill out an online app with your basic information about you and your business. If you are a retail swipe establishment, You will then receive an esign for a month to month agreement and upon approval a credit card terminal will be shipped to you free with 1-2 business days.

    FRAUD REDUCTION FRAUD REDUCTION

    Security features in EMV chip cards reduce lost, stolen, and counterfeit fraud. Unlike traditional magnetic stripe transaction, the EMV credit card terminals and chip-enabled cards works together to validate the card and cardholder.

    Free Credit Card Machine FREE MACHINE

    All of our retail swipe merchants will receive a free credit card machine that is fully capable of applepay, wireless pay, googlepay, android pay, samsung payments and is wifi compatible. Simply put the card in the machine and enter the dollar amount. Simple and easy! Our merchants who surcharge the customer, the credit card machine will automatically add 3% onto their bill.

    Start Saving Today in 3 easy Steps

    Frequently Asked Questions

    Click here to learn more about our satisfaction guarantee.

    Every time a customer swipes a credit card, the merchant must pay a small percentage of the transaction to whichever card brand (Visa, MasterCard, Amex, Discover) is involved. This mandatory, universal fee is determined by the risk/reward of the card. The higher the risk of the card holder not paying back the amount loaned to them on the card, or the higher the reward given to a consumer by using a credit card (miles, cashback, discounts, etc…) means the higher the wholesale rate. Most other payment processors take advantage of many variables in this system which results in business owners paying extremely high fees. At Merchant Bankcard, we are committed to providing our clients with an exceptional value.

    On average, we save members 40% or more! MERCHANT BANKCARD provides you with direct processing fees, so the more you process the more you save.

    We have no contracts and no cancellation fee. You can cancel anytime with no penalty.

    Once approved, we will reprogram your existing terminal for free or provide you with a brand new fully EMV capable terminal for free so you're covered no matter what.

    All banks require businesses to go through an approval process to protect against potential fraud. We will typically approve most retailers in 1 business day. Programmed and ready to go Free Credit Card Terminals will usually arrive to you in 1-2 business days.

    Funds are deposited directly into your account within 12 to 24 hours of processing your customer's card.

    Our application takes less than 5 minutes to fill out online. Once you are approved you will receive an email with your new terminal's tracking number which will show your terminal has been shipped and will be delivered within 24 hours.

    When your terminal arrives its ready to use. Simply plug it in, and begin running transactions. It’s that easy. If you require help our U.S. based team is available round the clock 24/7/365 to assist you with anything needed.