We offer specialized merchant services designed to support small businesses in their financial transactions
Merchant Broker Now prides itself on providing an exceptional service that is hassle-free. When you choose to partner with Merchant Broker Now, you become a valued member of our family. We are committed to helping your small business thrive, which is why we offer merchant services with no contracts or hidden fees. Our small business clients stay with us because of our superior service and competitive rates, not because they are bound by any obligations. We are eager to know: what areas of your small business would you like to enhance?
Payment Processing
Take credit card payments for your small business at any location and at any time. Our services cover all types of payments, whether you need a credit card terminal for your store, online credit card processing for your website, or a mobile payments EMV reader for your on-the-go business. We've got you covered!
Point Of Sale
At Merchant Broker Now, we recognize that each small business has unique requirements for merchant services. That's why we provide a wide range of point of sale system solutions, such as Clover POS, Vital POS, SwipeSimple, and Bonsai. Rest assured, we have the ideal point of sale solution.
Small Business Loans
We provide a variety of funding options tailored to meet the needs of small businesses. Our small business loans and merchant cash advances are highly personalized. Click the button below to speak with a specialist who can guide you through the various small business loan and funding options we offer.
Enhancing Transparency via Education
Our team specializes in small business merchant services, payment processing, and point of sale. We understand that it can be overwhelming, so we take the responsibility of educating our small business merchants about the services they will receive.
It is quite rare to find transparent pricing for merchant services, such as ours. Therefore, we believe it is crucial for small business merchants to familiarize themselves with various pricing models in order to comprehend the cost-saving benefits our services offer compared to the competition.
Contact us now and we will provide answers to all your inquiries, as well as guide you on effective ways to save money and enhance your small business merchant services.
Merchant Services for Small Businesses
If you are new to small business merchant services, here are the fundamental principles you need to know.
What do Merchant Services entail?
Merchant services encompass a range of financial services designed for businesses. These services comprise payment processing, point of sale systems, and merchant cash advances. Among these, payment processing is the most widely used, followed closely by point of sale systems, and finally business loans and funding.
Can you explain the role of merchant services providers?
Merchant service providers, also known as MSPs, are businesses that provide businesses with payment processing, point of sale, and potentially merchant cash advance loans. While some MSPs may not offer loan services, the majority do offer payment processing and POS systems. Acting as a middleman between the customer's bank and the merchant's bank, MSPs provide the necessary equipment and systems for merchants to accept payments via credit or debit card, check, or ACH.
The transfer of funds from the customers' bank to the merchants' bank is facilitated by the merchant service provider during a transaction. The duration of this transfer varies between 12 hours and 3 business days, depending on the type of transaction (credit, debit, ACH, or check) and other factors.
Management of credit and debit card processing.
Credit card processing is an integral part of merchant services, enabling merchants to accept payments from customers using credit and debit cards. The most common method is through a traditional credit card machine or terminal. However, there are also other options available such as point of sale systems that combine the functionalities of a credit card machine and order entry system, as well as virtual terminals that provide computer-based credit card processing capabilities along with additional features.
E-commerce and Payment Gateways
Merchant service providers offer payment gateways as a payment processing service. These gateways are commonly used to connect different parts of a payment system. For example, in e-commerce, a payment gateway is often required to connect a website's shopping cart system with the merchant's payment processing account. Additionally, some point of sale systems also rely on payment gateways to connect to the processing account.
Virtual Terminal
A virtual terminal functions similarly to a physical processing terminal, but operates on a computer or online platform. In addition to accepting credit and debit card payments, virtual terminals often offer extra capabilities like storing tokenized card details for recurring payments.
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