Merchantic places mid-market, professional-services, and specialty merchants with the processor whose underwriting and pricing actually fit — then supports the account directly, from onboarding through renewal.
Enter your current processing details for an instant estimate — no email required.
Estimate modeled on interchange-plus pricing; flat-rate, tiered, surcharge, and cash discount models are also available. Every account is underwritten individually — request a full rate review for exact numbers.
Every account is underwritten individually — not slotted into a template. That’s what makes the pricing hold up and the account stay open.
Every merchant is reviewed on its own risk profile, including high-risk and specialty verticals other processors decline.
Integrate with a documented custom API, or connect directly to the platforms your teams already use.
A named team that understands your account, not a rotating queue — from onboarding through renewal.
Cards, bank payments, and billing tools on one account — so you’re not stitching together three providers.
In-person and card-not-present payments on EMV terminals or online, priced on whichever model fits your volume and card mix.
Bank payments for high-ticket balances and recurring charges, at a fraction of card cost.
Send an invoice or payment link by email or text, and get paid online without a terminal.
Tokenized cards and bank accounts on file for subscriptions, memberships, retainers, and payment plans.
Deposits land the next business day, so cash flow isn’t waiting on settlement.
Connect online checkout to the ecommerce carts you already run — no rebuild required.
Volume, card mix, and regulatory rules differ by industry. Merchantic scopes pricing, underwriting, and processor placement to match.
Pricing structured to your volume, consolidated reporting, and multi-entity support for growing operators.
Compliant surcharge programs, ACH, and invoicing for firms that bill on retainers and statements.
Individual underwriting for high-risk and specialty categories most processors decline outright.
A single, documented API handles tokenization, processing, and settlement — built for engineering teams that want to integrate once and move on, not wrestle with a black box for months.
POST /v1/charges { "amount": 128000, "currency": "usd", "merchant_id": "mch_9f2a", "capture": true } 200 OK { "status": "succeeded", "settled_in": "1 business day" }
No pressure, no obligation — a straightforward look at your current processing costs and where Merchantic can improve them.