Merchant Bankcard




NO Contract

How Does Merchant Bankcard Save You 40%
Or More 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

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

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

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

You run a transaction

Merchant Bankcards securely
process transaction

Card Brand authorized sale

Savings Calculator

see How Much You Will Save Merchant Bankcards Direct Payment Processing


Merchant Bankcard direct pricing would have saved your business $ xxxx per month.

Call today to start saving risk free...NO RISK ALL REWARDS.

  • Monthly Savings $
  • annual Savings $

You overpaid by $1,223

  • You as & member $ 1,358
  • With your processor $ 3,008

* Calculations are based on averages, your bill may be vary.

Customer Support

Client Satisfaction

90% of clients of Merchant Bankcard award a score of 8 or higher out of 10 in terms of satisfaction. We treat our Customers just like we'd want to be treated. We strive to be as personal and caring as we can be with every one of our clients.

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.Calls are always answered by a real person within 10 seconds. NO more phone system mazes to find help. Test US OUT!!

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.

Solutions for Every Type of Business


  • Mobile EMV Card Reader

    Turn your mobile device into a handheld terminal with one simple attachment. Our EMV card reader allows you to securely accept payments on the go. Just download the mobile app and start swiping --- no additional equipment necessary.

  • Ecommerce

    Give your customers the power to make online purchases right from your website. Merchant Bankcards secure gateway, will give you the tools you need to run any online store, from selling subscriptions to one-time bill payments.

  • Retail EMV Terminals

    Whether you are looking for contactless, handheld or a countertop credit card terminal, all of our devices are PCI compliant, and EMV capable. Delivered ready to use, simply plug in and start selling securely.

  • Gateways

    Process and manage telephone and face-to-face transactions in real-time with MERCHANT Contactless, BANKCARD. This online card and check payment application lets you capture customer data, set recurring transactions, create customized reports and more.

  • POS Retail 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.

  • Quick Books

    If you already use QuickBooks®, we don’t need to tell you what a fantastic tool it is for small to medium-sized businesses. But, did you know Merchant Bankcard can save you money while using QuickBooks®? Not just a little money---a 80 to 90% less than what Intuit charges for credit card processing fees.


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!


1.39% + .10¢
  • $ 5 per Month
  • FREE EMV Terminal
  • Same Day Approvals
  • Next Day Deposits

Face To Face


1.69% + 0¢
  • No Transaction Fees
  • No Monthly Fees
  • FREE EMV Card Reader
  • Same Day Approvals
  • Next Day Deposits

On The Go

Keyed In

1.69% + .10¢
  • $8.95 Per Month
  • FREE Customized Gateways & Set Up
  • Same Day Approvals
  • Next Day Deposits

Card Not Present


  • No Contracts or Cancellation Fees
  • Free EMV Capable Terminal
  • Direct Pricing
  • Next Day Deposits
  • Live U.S. Based Support 24/7/365
  • 98% Same Day Approval Rating

Take Advantage Of Our Risk Free Guarantee

We understand that shopping around for a credit card processor can be a hassle. Keeping that in mind we offer direct pricing to all of our merchants which is guaranteed for the lifetime of the account, never locked in to a contract giving you the benefit without the risk.

Try us out without closing your current merchant account for up to 90 days and Merchant Bankcard will cover any inactivity fees from your current provider.

75% of new Merchant Bankcard clients cancel the old service within 15 days of starting with us, but you can decide on your own terms.

satisfaction Guaranteed! Start Taking Advantage of These Benefits
  • Award Winning
    Customer Support

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

  • 98% Approved
    Same Day

    Application Process takes 5 minutes and your terminal will arrive preprogrammed within 24 hours

  • Get Paid Faster

    Funds are deposited into your bank account with in 12 hours of processing transaction

  • Serious About

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

  • 90 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 without canceling your current service

Featured In The Press

The nation's only credit card processor who offers a TRUE RISK FREE OFFER
click here to learn more about satisfaction guarantee

"You'll definitely improve your odds against the big boys by making the switch."

"Businesses have always paid high percentage to a credit card processor, but not anymore"

"Today the answer to streamlining card payments and saving money in the process involves monthly plans."


The major four card brands have set October 2015 as a key date in the U.S' migration to chip technology for card present transactions. As of October, if a business has fraudulent activity as a result of being unable to accept chip cards you may be financially responsible

  • Losses due to card fraud in the U.S. are expected to top over $10 billion in 2015

  • Million cardholder records exposed by data breaches in 2013

  • Million is the average cost for every enterprise breached in 2014

  • Merchant/Retail sector data breaches reported.

  • Average cost to U.S. merchants per record compromised in 2014


Beginning in October 2015 when a fraudulent transaction occurs, liability for any resulting counterfeit losses will fall on whichever part of the chain is responsible for the EMV transaction not occurring.


EMV cards contain a chip, in addition to the traditional magnetic strip, that is used to transmit data. Unlike magnetic card, EMV card create a unique transaction code every time they are use.Each code can only be used once making fraud more difficult and less likely to occur.


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.


The EMV treminal validates or authenticates the card with the dynamic information inside the chip, and the cardholder validates that they are the owner of the card while the card is still in the EMV terminal.

  • 19 Days
  • 07 Hours
  • 51 Mins


Frequently Asked Questions

The nation's only credit card processing company offering wholesale rates.
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. Most ISO offices take anywhere from 24-72 hours . At Merchant Bankcard, this process is usually completed within an hour.

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 with a representative. Approval time is usually an hour. 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. is a registered ISO of Wells Fargo Bank, N.A., Walnut Creek, CA.
© 2015 MerchantBankcard.