no hidden fees


no mark up


no monthly subsciption


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

Customer Support

Client Satisfaction

Client 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

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!!

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.

Solutions for Every Type of Business

  • Mobile EMV Card Reader

    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

    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

    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. We support and integrate with all types of POS systems including tablet based, stand alone and Cloud Based POS systems.

  • High Risk Merchants

    High Risk

    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!.

cost gurantee


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


Cost +
0.25% + .10¢
  • lowest cost available bullet icon1 $9.95 per Month
  • lowest cost available bullet icon2 FREE EMV Terminal
  • lowest cost available bullet icon3 Same Day Approvals
  • lowest cost available bullet icon4 Next Day Deposits

Face To Face


Cost +
0.45% + .05¢
  • lowest cost available bullet icon6$9.95
  • lowest cost available bullet icon FREE EMV Card Reader
  • lowest cost available bullet icon Same Day Approvals
  • lowest cost available bullet icon Next Day Deposits

On The Go

Keyed In

Cost +
0.35% + .10¢
  • lowest cost available bullet icon$9.95 Per Month
  • lowest cost available bullet iconFREE Customized Gateways & Set Up
  • lowest cost available bullet iconSame Day Approvals
  • lowest cost available bullet iconNext Day Deposits

Card Not Present


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

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
  • Customer Support icon

    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

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

  • Get Paid Faster

    Get Paid Faster

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

  • Security

    Serious About

    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




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

  • emv loses

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

  • emv digits first

    Million cardholder records exposed by data breaches in 2013

  • emv digits second

    Million is the average cost for every enterprise breached in 2014

  • emv digits third

    Merchant/Retail sector data breaches reported.

  • emv digits fifth

    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.

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. 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.