Best Credit Card Processing Company

Will Match or Beat Your Current Credit Card Processing Rate Guaranteed

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Save Up to 30% On Your Current Credit Card Processing Rates

See How Merge Stream Team of Experts Can Help You Save

Accept Credit Card Payments No Matter Where Your Customers Are At

Take Payment on the Platform You Prefer

In-Store Payments

In-store payments let your business accept payments using your Merge Stream POS systems. We support chip, tap, and contactless payments like Apple Pay, making checkout fast, secure, and convenient.

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online Payments

Online payments allow your business to accept online payments customer login portal. Customers can easily pay with their credit cards enabling secure transactions.

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Invoicing

Merge Stream Invoicing lets your businesses send digital invoices via email or text, allowing customers to pay online. This streamlines billing, enables automated reminders, and provides real-time tracking for payment status.

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Automated Payments

Automated payments support your layaway and installment plans. Payments are auto-deducted from a customer’s credit card, ensuring timely payments and predictable cash flow.

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Choose The Correct Credit Card Processing Program For Your Business

Let Our Team of Experts Help You Choose The Right Credit Card Processing Program For Your Business

Traditional Credit Card Processing

Traditional credit card processing charges merchants a percentage of each transaction as a processing fee.

  • Merchant-Paid Fees: Merchants pay transaction fees for every card payment.
  • Fixed Processing Rates: Rates vary based on the card type and network (Visa, Mastercard, etc.).
  • No Added Cost to Customers: Customers pay only for the product or service, not the processing fees.
  • Revenue Impact: Processing fees reduce profit margins for the business.
  • Industry Standard: Most businesses operate under this model, as it’s the most widely known method.
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Cash Discount Processing

Cash discount processing shifts the processing fees to customers by offering a discount for cash payments while charging slightly higher prices for card payments.

  • Customer-Paid Fees: Customers pay a small fee for using a credit card, encouraging cash payments.
  • Cash Discount Incentive: Customers receive a discount for paying with cash.
  • Business Cost Savings: Merchants avoid processing fees, increasing their profit margins.
  • Compliance with Regulations: This method complies with industry regulations if properly disclosed.
  • Growing Popularity: More businesses are adopting this model to reduce processing expenses.
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Credit Card Processing You Can Trust

Peace of mind comes standard with Merge Stream. Accept online and in-person payments securely, knowing that we prioritize the safety of your transactions. With advanced tools like data encryption, tokenization, and cutting-edge fraud prevention, we ensure your customers' card information stays protected.

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PCI Compliance

PCI Compliance ensures that your business adheres to the Payment Card Industry Data Security Standards (PCI DSS), safeguarding sensitive cardholder information. With Merge Stream, you can operate with confidence, knowing that every transaction meets strict compliance standards. 

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Data Encryption

Data encryption transforms sensitive payment information into unreadable code during transactions, protecting customer data from hackers and fraudsters. Merge Stream encryption technology to secure cardholder details from swipe to settlement. This ensures that your customers' data is safe and secured.

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A POS System Designed For Your Business

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Merge Stream POS simplifies grocery operations with fast checkout, mobile inventory tools, and support for scales and EBT. 

  • Integrated Scale Support – Seamlessly connect weight scales and price-embedded barcodes.
  • Mobile Inventory Tools – Add or update products using handheld scanners and printers.
  • Multi-Store Management – Control inventory and pricing across locations.
  • EBT and Dual Pricing Ready – Compliant with EBT and cash/credit price rules.
  • Automated Discounts & Promotions – BOGO, bundles, and cart-based discounts.
  • Customer Insights & Loyalty – Trigger Google reviews and track buying behavior.
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Merge Stream POS is built for real convenience stores — where speed, accuracy, and simplicity matter. Handle fast checkout, EBT, dual pricing, and multi-store inventory with ease.

  • Lightning-Fast Checkout – Speed up every transaction with an intuitive and reliable POS system.
  • EBT & Dual Pricing Built-In – Automatically apply EBT rules and cash vs credit pricing with full compliance.
  • Mobile Inventory Tools – Add or update products instantly using handheld scanners and printers.
  • Multi-Store Management – Control inventory, pricing, and product updates across all your locations.
  • BOGO, Mix & Match, and Bundle Discounts – Run automatic promotions that drive more sales.
  • Google Reviews & Loyalty Tools – Encourage customer reviews and track shopping habits with ease.
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Merge Stream POS gives liquor stores speed at the register, age verification prompts, and full inventory control—ensuring compliance while improving the customer experience.

  • Built-In Age Verification – Prompt cashiers to check IDs on alcohol and tobacco sales.
  • Case & Bottle Pricing – Sell items in units or bulk with flexible pricing options.
  • Scan and Go Inventory – Quickly add new products by scanning UPCs and entering price.
  • EBT Restriction Controls – Automatically restrict ineligible items during mixed cart purchases.
  • Real-Time Reporting – Track sales by brand, size, and category to optimize stock.
  • Promotion Engine – Apply mix-and-match discounts, happy hour pricing, or BOGO offers.
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Merge Stream POS helps cake shops and bakeries streamline custom orders, manage ingredient-level inventory, and speed up checkout — all while improving the customer experience and keeping your kitchen organized.

  • Cloud-Based System – Access from any device
  • Employee Clock-In & Shift Reports – Track staff time and performance with ease.
  • Real-Time Inventory Sync Across Devices
  • Dual Pricing Support (No Credit Card Fees)
  • Offline Mode for Uninterrupted Sales
  • Google Reviews - Google Reviews QR Code Printed Directly on Your Customer's Receipt
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Merge Stream POS gives food truck owners the freedom to sell faster, accept more payment types, and run their business on the go — even without internet. Designed for mobility and speed all from a compact, cloud-connected POS.

  • Mobile-Friendly Design – Compact hardware built for tight spaces and easy mobility
  • Accept Tips, Cash, Credit, and EBT – Fast and flexible payment support
  • Quick Order Entry – Pre-set popular items, custom modifiers, and speed keys
  • Real-Time Cloud Sync – View sales and inventory from any device
  • Offline Mode – Keep selling even when Wi-Fi drops
  • No Contracts. No Leasing. Cancel Anytime.
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Merge Stream POS brings precision to meat market operations with integrated scale support, price-per-weight automation, and EBT-ready transactions—so you can focus on delivering quality cuts.

  • Scale Integration – Accurately price items by weight with auto-calculating barcode support.
  • PLU and Label Printing – Print shelf or product labels with dynamic pricing and item info.
  • Custom Cut Support – Easily adjust weight and price for special meat orders.
  • EBT and Tax Rules – Automatically handle tax-exempt EBT meat sales by local regulations.
  • Sales Reporting – Track top-selling meats, employee performance, and profitability per SKU.
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Get started with Merge Stream Credit Card Processing With
3 Easy Steps

Contact Our Sales Team

Reach out to our sales team to discuss your business needs and goals. We’ll guide you through the credit card processing options and answer any questions to ensure the best fit for your business.

Get a Personalized Credit Card Processing Rate

Our team will evaluate your specific requirements and create a customized rate plan designed to save you money while providing seamless payment processing services.

Receive Your Equipment and Get Started

Once your plan is set, we’ll ship your equipment and help you set it up. You’ll be ready to start accepting payments quickly and efficiently with Merge Stream’s reliable credit card processing.

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Powering Retail Stores Nationwide

Over $100M+

In Sales Generated in 2024 Alone

Over 100K+

Over 100,000 Transactions in 2024

FAQ's

See Why Merge Stream Credit Card Processing Is the Best Option for Your Business