Merchant Accounts Simplified
Payment Processing
Solutions FOR BUSINESS
We provide affordable, trusted high risk merchant accounts to accept credit cards for businesses of all sizes and types. We specialize in simplifying merchant services with the best rates and industry leading personal service.
*Rates are quoted as % above card brands interchange costs, dues, fees, and assessments.
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*Any rates are quoted as % above card brands interchange costs, dues, fees, and assessments.
Merchant Accounts
Payment Processing for Every Type of Business
Our merchants come from every part of every industry; from low risk, such as simple retail, to high risk, such as tech support and regulated products. We invite you to learn more about just a few of the industry segments we serve. Curious if we can help you? Need to learn more about your risk profile or our solutions in general? Just get in touch.
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eCommerce
Our Merchant Accounts for eCommerce have the lowest rates and are targeted specifically to your online business. We have solutions for high-risk and will ensure full, seamless integration into your web environment. Kiss SquareUp goodbye.

Small Business
Whether you’re a local retail, food truck or pop-up, our lowest rates and industry-specific merchant accounts will allow you to accept credit cards and put more money in your pocket. Our Mobile Payment options are ideal for you.

Commercial Accounts
Hotels, franchises and national retailers need specialized attention and highly detailed, cost-saving merchant account solutions. Our expert agents will manage your account with the greatest care.

High Risk
We specialize in High Risk Merchant Accounts for adult, travel, tech support, supplements, nutra and more. Our solutions are vetted, trusted, reliable and our agents know the high risk space inside out. Not sure if you’re high risk? Click here!

Repair Services
Allowing your home repair or auto repair customers to use credit cards gives them a sense of security, plus they get to add points or miles to their account which makes them feel better about a large ticket purchase. But you’ll need a low-cost merchant account to compensate for the loss in revenue.

Legal Services
Merchant accounts for lawyers allow you to abide by the regulations of a IOLTA account, but also to get paid by credit card quickly and easily. You need a payment processor that understands the nuances of your industry to ensure funds are collected and managed in accordance with best practices and legal requirements. Learn more.

Dental Office
Merchant accounts for dentists allow you to take credit card payments for dental services. With the high price of care, patients often require the use of cards, and payment at the time of service prevents billing issues. But with so much of your business being paid by cards, you need the lowest rates and a trusted payment processor.

Salons and Service Providers
From personal service businesses, such as salons, to business services such as accounting, your small business needs reliable payment processing at the lowest rates. If you have multiple locations or accept payments online, you’ll need to ensure your solution works seamlessly across all verticals.

eCommerce
It may be easy to sign up for Square but you’ll be paying high rates and be subject to their restrictive terms and conditions, which also prevent high risk eCommerce like supplements. A merchant account specific to your products and services will lower your processing rates while integrating directly into your online store, regardless of what software or system you’re using.

Retail
Today’s retail environment requires modern payment processing – contactless payments, mobile payments, and low rates to help you meet your bottom line. And now with many brick and mortar stores selling migrating to eCommerce you need a seamless solution that will work with your POS and website. We ensure full integration and the lowest rates.
Small Business merchant Accounts
Low-cost payment processing that’s right for your business type.
Especially during a fragile economy, your small business needs to capitalize on every opportunity to make money and protect the profits. Our payment processing solutions for small business have competitive rates, no hidden fees, and are custom-tailored to fit your specific business needs. Reliance on Square will only bring you high rates and impersonal service. It’s time to find a credit card processing option that meets your needs. One that makes your customers happy and integrates seamlessly into your business workflow.
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Restricted Content or Regulated Products
If you sell supplements, tobacco, vape, run a head shop, or are involved in age-restricted eCommerce such as adult entertainment or gambling, you’ll no doubt need specialized payment processing. Low-quality merchant accounts abound – work with us and our CPP-certified payment professionals will ensure you receive the best rates and legitimate ways to accept credit cards.

History of Chargebacks
You’ll likely find yourself in the high-risk category if you’ve had a history of high chargebacks even if your products are “vanilla.” Underwriters will assess your processing history and even a rate of 1% could be grounds to put you in a high-risk merchant account. Take advantage of our training documents to learn more about preventing and managing chargebacks.

Poor Personal or Business History
If you have a history of bad business and financial dealings, or if you have poor credit, you may find yourself in a high-risk merchant account. This is because underwriters will see a greater liability in working with you. However, our CPP-certified agents specialize in high risk payment processing and will evaluate your situation and find a solution that fits.
What Makes a High Risk Merchant?
High Risk Merchant Accounts
High Risk merchants require highly specialized payment processors. From the bank to the software to the rates, you need vetted, tested and legitimate solutions that are specific to your business model.
The businesses that need high risk merchant accounts include, but are not limited to, adult, firearms, online gaming, head shops and eCommerce shops that sell supplements, nutraceuticals or products with federally regulated and age-restricted ingredients.
You’ll also find seemingly “clean” businesses like travel, online tech-support and subscription-based businesses in the high risk category.
High chargeback ratios are the leading cause for a business or industry to be considered high risk when it comes to merchant services. Other factors that can place a merchant in a high-risk category can include business and personal finances and history.
To learn more about high-risk business click here. For a low-high risk evaluation, please contact us for a no-obligation call and rate quote.
Get a QuoteNext Generation Payment Processing
From mobile payments to contactless technology, the payment processing industry is changing as quickly as the world around it. Your business needs to adapt to a volatile and rapidly evolving retail and service environment, and the days of a clunky credit card machine next to your cash register are a thing of the past.
Thanks to new developments in NFC technology and mobile payments, businesses are now able to accept credit card payments quickly. Contactless payments now allow many customers to use their credit card by placing the card next to your reader. Touch-free payment processing is evolving, expanding and will become the gold standard.
Businesses are changing to survive. Brick and mortar stores are switching or expanding to eCommerce, high rents are forcing retailers to close up shop and sell at popups. Restaurants are closing but mobile food trucks are expanding. And every one of these businesses needs a merchant account provider who can not only keep up with these changes but can help guide the merchant to the newest, best and most affordable solutions.
It’s not enough just to switch to a new processor. You need to know the solution will be flexible and can integrate seamlessly with your business, whether it’s in a fixed location, online, or both. And if your business is expanding to multiple locations you’ll need payment processing specific to your needs, with the best rates that let you keep more of your profits.
Your business needs to adapt to changing times, and your payment processing can lead the way. Our agents and brokers will guide you to the next generation credit card solutions that will let you not only survive but thrive.
Get a QuoteIs Your Business Changing With The Times?

Mobile Payments
Mobile payments allow your business to accept credit cards independent of any single location. These “payments on the go” enable a a change or expansion of your businesses as markets shift radically due to Coronavirus. Your retail location may need to start taking credit cards at popups, or your restaurant may need to transition to a food truck. You may also start to do more deliveries which can require drivers to take payments by credit card. Customers are happiest paying on their own terms and at their convenience; by enabling mobile payments you’ll meet them out there where the money is and get paid on the spot.

Contactless Payments – NFC
Nothing seems more important in a Covid-19 world than minimizing “touch” – and that includes getting paid by your customers. Staying safe means reducing cash transactions and enabling touch-free methods of payment. Widespread in Europe, Contactless payments are becoming more common as NFC chip technology is adopted and customers look for ways to stay safe – and that includes not having to touch a pin-pad. To learn more about Contactless Payments, click here.

Cashless ATM
Cashless ATM allows customers to pay using their debit card while bypassing the traditional interchange network and allowing you to to mark up the transaction and keep the profit, or enable cash-back for your customers, which they love. In fact Cashless ATM increases sales and keeps profits in your account. They’re especially helpful for dispensary payment systems. Click here to learn more about Point of Banking/Cashless ATM.
Payment Processing News and Education
Certified Merchant Account Brokers
Our Agents are ETA CPP Certified and known throughout the industry for their best practices and fair and transparent pricing

Our Broker Qualifications
- A minimum of three years experience in the payments industry;
- Been recommended by a supervisor or manager from a company in the payments industry;
- Completed and passed a rigorous examination developed by industry experts and conducted by an independent testing firm that is not affiliated with any entity in the payments industry;
- Agreed to abide by the Electronic Transaction Association’s Code of Conduct; and
- Agreed to pursue continuing education credits as a requirement of recertification every three years.

Knowledge and Service
By obtaining your payments processing solution from an ETA CPP, you can be sure that your representative is knowledgeable about the products and services they recommend and the expertise to recommend the best and most appropriate solution for your business.
We’ll ensure your merchant account is the perfect match at the lowest payment processing rates.

We’re Certified
Yes, agents and brokers in the Bankcard Brokers family are ETA CPP certified. This ensures that every contact you have with us will be with a trusted partner in your success. Our agents are recognized as the leaders in the industry and known for their dedication to each client.
Long-Term Merchant Account Relationships
Our team of merchant services brokers is always here for you with superior customer support and service, all from our 100% US based service centers. You need payment processing to be seamless and fully integrated into your business, 24/7. Let’s build your legacy with great rates and amazing support to ensure you are 100% satisfied.
Click me!Payment Processing With Integrity
We know it’s a careful decision when it comes to entrusting a credit card processing company to handle the payment transactions for your business. Why not work with someone who is just as interested in your success as you are?
Our philosophy at Bankcard Brokers is simple. Provide businesses the truth about credit card processing, become their trusted resource, and the result will be a successful long term business relationship. We believe the only way to continue to grow is by listening to our customers and implementing their ideas to help businesses succeed.
How to Apply for a Merchant Account
3 Easy Steps!

Step-1
We’ll provide you the basic documentation required to evaluate your needs and the best solutions. We’ll talk with you to get a hands-on feel for your business’ merchant services needs.

Step-2
We will evaluate your business history and processing requirements and take a step closer to getting you live to accept credit cards by comparing your needs with our solutions.

Step-3
Once your merchant account is approved, we’ll make sure you have the right equipment, if required, and that your operation is fully functional and integrated to accept credit cards.

Testimonials
I’ve always thought that accepting credit cards was more trouble than it was worth. I’m happy to say that I was wrong. I’m glad to have chosen Bankcard Brokers. After years of bouncing from one processor to another, trying to find an organization that stood behind their word, I finally found the right merchant service company for me. The staff at Bankcard Brokers actually follows through with their promises! Bankcard Brokers introduced me to accepting credit cards for the first time. Being a construction company, I was very leery of taking cards because all I have ever heard was horror stories. I traditionally allowed my customers to write me checks but after getting burned to many times by bounced checks, I thought that now is a better time than any to start accepting Credit Cards. They educated me on the entire process so I would not be surprised by the fees I was charged to accept the different type of cards. Bankcard Brokers set me up with an app on my phone so I can swipe cards anywhere. Love It! The bottom line is that I have gotten more jobs, I get paid faster and I have increased my revenue. After many bad experiences with our previous merchant service providers we were thinking of not accepting cards at all. They come in all the time, saying that they can save me more money than the last guy, then I get my bill and it is more! I was referred to Bankcard Brokers by a friend and was told to just listen to what they had to say. I was amazed on how much they taught me about who charged what and why. This is such a huge part of my business and not understanding it has wasted a lot of time and money over the last few years. I was always trying to save a dollar trusting people but now I realize it more than that with this business. Bankcard Brokers gave us straight answers and all of the information we needed to get set up properly. We appreciate the professionalism. I appreciate Bankcard Brokers expedited help with getting my merchant account set up so fast. Brett was very helpful! It’s rare that people go out of their way to help the little guy. Thanks for also sending me business. We have worked with Bankcard Brokers for over 2 years. The Bankcard Brokers staff has provided and continues to provide the best service and lowest pricing for processing credit card payments. Being a business owner as you well know, we are often contacted by other service providers saying they can beat our pricing and requesting past statement to show how they can save us money. It not only takes up a lot of valuable time for each of us, but thus so far no one has even come close to the pricing that my company gets being with Bankcard Brokers. I have referred Bankcard Brokers to several friends and family they are all very happy as am I. I know you will be too. Thanks Bankcard Brokers. Thanks for the fast cash Bankcard Brokers. Without it who knows what might had happened.Testimonial7
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