You know the drill. Customer pays, you wait days for the money to hit your account. Meanwhile, bills pile up and opportunities slip by because your cash is tied up in processing limbo.
That changes now. With next-day funding, you get access to your money when you need it most. No more waiting around hoping the payment clears. No more juggling cash flow because some processor decided to hold your funds for “review.”
Your business runs on predictable cash flow. We make that happen by moving your money fast and keeping our fees transparent. You’ll know exactly what you’re paying and exactly when you’ll get paid.
Merchant Processing Solutions Inc has been helping Germantown businesses process payments for over 30 years. We’re not some fly-by-night startup that’ll disappear when you need support most.
We understand Germantown’s business landscape. From the professional services firms along Middlebrook Road to the retail establishments in Milestone Shopping Center, we’ve seen what works and what doesn’t. Your neighbors trust us because we deliver on our promises.
As a registered ISO of PNC Bank, we bring the stability of a major financial institution with the personal service of a local partner. When you call, you talk to real people who know your account and understand your business.
First, we evaluate your specific business needs. Not every company processes payments the same way, and cookie-cutter solutions usually create more problems than they solve. We look at your transaction volume, average ticket size, and business model to design the right approach.
Next, we handle the technical setup. Whether you need real-time processing for immediate transactions or deferred processing for order review, we configure your system to match your workflow. Our team connects your website, payment gateway, and merchant account so everything works seamlessly together.
Finally, we test everything before you go live. No surprises, no glitches on day one. You’ll process your first transaction knowing the system works exactly as promised. And if something does go wrong later, our 24/7 support team fixes it fast.
Ready to get started?
Your payment processing solution includes credit and debit card processing, electronic check conversion, gift card programs, and mobile payment options. We handle PCI compliance requirements so you don’t have to worry about security audits or data breaches.
For Germantown’s tech-savvy business community, we provide API integration and virtual terminal access. Process payments from any browser, including mobile devices. Set up recurring billing for subscription services or membership fees. Accept payments over the phone, online, or in person.
The local business environment here demands reliability. With Montgomery County’s high concentration of professional services and retail establishments, you can’t afford payment system downtime. Our redundant processing networks ensure your transactions go through even when other systems fail. Plus, detailed reporting helps you track sales patterns and optimize your business operations.
Most businesses can start processing payments within 24-48 hours after approval. The exact timeline depends on your business type and processing history, but we prioritize quick setup for established Germantown businesses.
Our streamlined application process eliminates the usual paperwork headaches. We handle most of the documentation requirements and work directly with underwriting to expedite approval. For businesses with existing processing history, we can often provide same-day approval.
Once approved, our technical team configures your payment gateway and tests all systems before you go live. We don’t just flip a switch and hope everything works – every integration gets thoroughly tested to ensure smooth operation from day one.
We use interchange-plus pricing, which means you pay the actual interchange rate plus our clearly disclosed markup. No hidden fees, no surprise charges, no monthly minimums that suddenly appear on your statement.
For most Germantown businesses, you’ll pay interchange plus 0.50% and 10 cents per transaction for standard processing. This transparent model lets you see exactly how much revenue we generate from your account – something most processors won’t show you.
Compare this to tiered pricing where processors bundle everything into “qualified” and “non-qualified” rates. Those systems are designed to maximize processor profits, not save you money. With interchange-plus, you know you’re getting fair pricing based on actual card network costs.
Yes, we provide 24/7/365 customer support with real people, not automated systems. When you call our support line, you talk to knowledgeable representatives who can actually solve problems, not just read from scripts.
Our support team understands payment processing technology and can troubleshoot issues quickly. Whether it’s a declined transaction, a gateway connection problem, or questions about your monthly statement, we handle it promptly. No waiting on hold for hours or getting transferred between departments.
For Germantown businesses, this matters because payment problems don’t follow business hours. If your system goes down on a weekend or holiday, you need immediate help. Our support team has the authority and expertise to resolve issues fast, so you don’t lose sales while waiting for a fix.
Absolutely. We maintain PCI Level 1 compliance, which is the highest security standard in the payment industry. This means we follow strict protocols for handling, storing, and transmitting credit card data.
Your customer information is encrypted during transmission and never stored on your servers. All transactions go through secure, tokenized processing that replaces sensitive card data with random tokens. Even if someone intercepts the data, they can’t use it for fraudulent transactions.
We also provide fraud monitoring tools that analyze transaction patterns and flag suspicious activity. This protects both you and your customers from fraudulent charges. Plus, our security team stays current with the latest threats and updates our systems accordingly, so you don’t have to worry about emerging security risks.
Yes, we offer API integration and work with most popular business management systems. Whether you use QuickBooks for accounting, Shopify for e-commerce, or custom software for your operations, we can usually integrate payment processing seamlessly.
Our technical team handles the integration work, so you don’t need programming expertise. We provide ready-to-use plugins for common platforms and can build custom integrations for specialized software. The goal is to make payment processing fit your existing workflow, not force you to change how you operate.
For businesses that need multiple payment channels, we synchronize everything through one system. Process in-person payments, online orders, and phone transactions through the same platform. All data flows into your existing reporting and accounting systems automatically, eliminating manual data entry and reducing errors.
Switching is easier than most businesses expect, and we handle the heavy lifting. Our team manages the transition process to minimize disruption to your operations. Most businesses experience zero downtime during the switch.
We start by analyzing your current processing setup and monthly statements to identify potential savings. Then we configure your new system to match or improve your existing functionality. Our technical team coordinates the cutover timing to ensure seamless operation.
There are no long-term contracts or cancellation fees with us. If you’re ever unsatisfied with our service, you can leave without penalties. We earn your business through performance, not by locking you into restrictive agreements. This approach has kept our client retention rate high for over 30 years.
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