Merchant Hub
- Company typePrivate
- Founded2003
- HeadquartersMiami Beach, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
Merchant Hub firmographics
Firmographics- Name
- Merchant Hub
- Legal name
- Merchant Hub Limited
- Website
- https://merchanthub.com
- Company type
- Private
- Founded year
- 2003
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Merchant Hub industry classification
Industry- Product category
- Payment Processing Services
- akta.pro primary industry
- Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)
- akta.pro secondary industries
- Merchant Acquiring & Processing Platforms (BPAMAFAB), Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA), Merchant Acquiring & Card Processing (PSPs) (CRAFALAB), Merchant Cross-Border Collections (Pay-ins) & Local Payment Methods (FSAGAKAD)
Keywords
Where Merchant Hub is headquartered
LocationHeadquarters
- HQ city
- Miami Beach
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Merchant Hub business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Infrastructure, Marketing or Sales
Revenue model
- Transaction Processing Fees: Merchant Hub charges percentage-based fees on credit and debit card transactions. For face-to-face payments under Pure & Simple plan: 1.3% + £0.02 for consumer cards, 1.85% + £0.02 for commercial cards. For e-commerce: 1.5% for consumer cards, 1.9% for commercial cards. MHUB Flex program offers interchange-plus pricing with pass-through of interchange costs plus markup.
- Monthly Service Fees: Monthly subscription fees for terminal rental (£15/month for card payment terminal) and PCI DSS compliance management (£4.99/month). Gateway fees for e-commerce at £8/month for first 100 transactions plus £0.08 per transaction thereafter.
- Same/Next Day Funding Premium: Faster Payments fee of £0.30 per day for batches of £1,000,000 or less, and £3.00 per occurrence for batches over £1,000,000, enabling same-day or next-day settlement.
- Business Cash Advances (EmFI): Merchant Hub EmFI provides business cash advances between £2,500 and £300,000 based on future card sales, repaid via pre-agreed percentage of transactions. One simple cost structure with no APR.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Pure & Simple - Face-to-Face for businesses processing under £180,000 annually |
| Transaction based/ take rate | Monthly | Pure & Simple - E-Commerce & Pay-by-Link for businesses processing under £180,000 annually |
| Hybrid | Annual | MHUB Flex - For businesses processing over £180,000 annually |
Go-to-market motion2 records
Distribution channels6 records
Marketing channels4 records
Merchant Hub product offering
Product offeringCore offering
Merchant Hub provides merchants with card acceptance for in-store, e-commerce, and remote payment-link transactions, supported by payment terminals, gateway services, and multi-processor ePOS integration. Its broader offering includes transaction monitoring, accelerated settlement, dynamic currency conversion, merchant cash advances, checkout advertising, APIs and SDKs, and partner-based distribution.
Product overview
Merchant Hub is a payment processing company offering a unified platform combining face-to-face payment acceptance, e-commerce solutions, and value-added services. The core product portfolio centers on Face-to-Face & In-Store Payments using smart terminals (PAX, Ingenico, Verifone, Castles) and E-Commerce & Pay-by-Link for online transactions. The ecosystem includes the InfomatixNow app platform powering Xnow for real-time transaction monitoring, the ePOS Integration Ecosystem for seamless hardware compatibility, and a suite of Value Added Services comprising Merchant Hub EmFI (business financing), Dynamic Currency Conversion (83 currencies), Same & Next Day Settlements, and DecisionPoint Network (digital advertising). Partner offerings include Talech and NFS Hospitality ePOS solutions with integrated payment processing. Pricing options include Pure & Simple (fixed rates under £180k annual processing) and MHUB Flex (interchange-plus for higher volumes).
Differentiator
Problem solved
Functional benefit
Brands
- InfomatixNow: Payment terminal technology platform powered by Merchant Hub, offering features such as live transaction monitoring, bill splitting, tip functionality, receipt management, and loan services.
- EmFI
- MHUB Pay-by-Link
- Xnow
- DecisionPoint Network (DPN)
Products and services
- Face-to-Face & In-Store Payments Payment processing for in-store and face-to-face transactions using card terminals, supporting contactless payments, mobile payments, and wearable payments.
- E-Commerce & Pay-by-Link Online payment acceptance through e-commerce platform integrations and secure payment links shared by email, SMS, or messaging applications, with two-factor authentication.
- PAX Payment Terminals A range of PAX smart payment terminals, including PAX A35, PAX A920 Pro, and PAX A77, for countertop, mobile, and wireless payment acceptance.
- Ingenico Payment Terminals Ingenico terminals including LANE 3000, LANE 5000, LANE 7000, DESK 5000, and MOVE 5000 for integrated or stand-alone use.
- Verifone Payment Terminals Verifone payment terminals including P400, V400c, T650c, T650p, and V240 for retail and hospitality payment environments.
- Castles SATURN 1000F2 A mobile and wireless payment terminal for stand-alone or integrated use in business environments.
- Datecs BLUEPAD 50 A payment terminal for integrated use with existing point-of-sale systems.
- Dynamic Currency Conversion (DCC) A currency-conversion service that allows international cardholders to pay in their own currency, with support for 83 currencies and transparent transaction amounts for merchants and customers.
- Same & Next Day Settlements Accelerated merchant settlement with same-day or next-day options; Faster Payments are available within eight hours, including weekends, for qualifying transactions.
- DecisionPoint Network (DPN) A digital advertising network that displays targeted content, video, and sound on payment terminals at point-of-sale locations such as stadiums, airports, hotels, and restaurants.
- Merchant Hub EmFI (Merchant Finance) A business cash advance service providing unsecured advances between £2,500 and £300,000 based on future card sales and repaid through a pre-agreed percentage of card transactions.
- InfomatixNow A mobile and web application platform powered by Merchant Hub that provides merchants with live transaction monitoring, bill splitting, tip management, receipt handling, branding display, and loan-access functionality.
- Xnow A real-time transaction-monitoring platform that lets merchants view live transactions and access historical data from payment terminals through mobile devices or the web.
- ePOS Integration Ecosystem A multi-processor payment-integration service that connects payment terminals to existing ePOS systems without hardware replacement across retail, hospitality, hotels, pharmacy, and services.
- Online Reporting & Statements A web-based reporting service that provides merchant access to statements, live transaction data, and historical records through Elavon Connect for monitoring and reconciliation.
- Pay-by-Link Portal A web portal for creating and managing secure payment links, monitoring payment-link status, and processing remote payments using 3DS and two-factor authentication.
Quantifiable outcome
- Over £4 billion worth of commerce securely handled annually
- +2 more outcomes
Companies that use Merchant Hub
Customer profileNamed customers7 records
Segments6 records
Ideal customer profiles4 records
Merchant Hub technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration61 records
Feature5 records
Merchant Hub partnerships and signals
Strategic signalPartnerships
32 partnerships are on record, tiered core and secondary.
- TalechcoreePOS partner providing comprehensive business management solutions for retail, restaurants, and services. Talech Register dual-screen terminal integrated with Merchant Hub payment processing. Talech offers sales analytics, inventory management, employee management, and customer relationship tools with seamless payment integration.
- NFS HospitalitycoreNFS Hospitality provides Aloha enterprise restaurant EPOS software and Cloud POS solutions integrated with Merchant Hub payment processing. Supports multi-site and multi-location hospitality businesses with guest management, inventory control, staff scheduling, and customer loyalty features.
- Oracle MICROScoreIntegration with Oracle MICROS hotel and restaurant management systems for seamless payment processing across hospitality operations. Supports Oracle Payment Interface (OPI) integration with capability to integrate with or without OPI installation.
- Aloha (NCR)coreEnterprise-grade restaurant EPOS software for multi-site and multi-location businesses, integrated with Merchant Hub payment processing for secure debit and credit card transactions.
- PredicommsecondaryePOS integration partner for retail operations providing payment terminal integration services.
- CSY Retail SystemssecondaryRetail ePOS system integration partner providing seamless payment processing integration.
- ICRTouchsecondaryTouch-screen ePOS system partner for retail and hospitality with Merchant Hub payment integration.
- ComputArtsecondaryRetail ePOS integration partner enabling Merchant Hub payment processing connectivity.
- Power ePOSsecondaryHospitality ePOS partner providing integrated payment solutions with Merchant Hub.
- TevalissecondaryHospitality management system partner with integrated payment processing through Merchant Hub.
- Epos NowsecondaryCloud-based ePOS provider integrated with Merchant Hub payment processing for small to medium businesses.
- FreedomPaysecondaryCommerce platform partner providing payment technology integration options.
- YumeesecondaryHospitality ePOS system partner with Merchant Hub payment integration capabilities.
- Silverware POSsecondaryRestaurant POS partner integrated with Merchant Hub payment processing.
- OrderpaysecondaryHospitality payment integration partner providing order and pay solutions.
- NedFoxsecondaryRetail ePOS partner for garden centres, DIY stores, pet shops with Merchant Hub integration.
- PharmatillsecondaryPharmacy-specific ePOS system integrated with Merchant Hub for prescription business payments.
- ATL SystemssecondaryPharmacy and medical prescription ePOS partner with Merchant Hub payment integration.
- GapptsecondaryServices industry ePOS partner with Merchant Hub payment processing integration.
- ShopifysecondaryE-commerce platform integration enabling Shopify merchants to accept payments through Merchant Hub gateway.
- Salesforce Commerce CloudsecondaryEnterprise e-commerce platform integration with Merchant Hub payment gateway for seamless checkout.
- WooCommercesecondaryWordPress e-commerce plugin integration with Merchant Hub payment processing.
- MagentosecondaryAdobe Magento e-commerce platform integration with Merchant Hub payment gateway.
- QuickBookssecondaryAccounting software integration for automated reconciliation of Pay-by-Link transactions with QuickBooks invoicing.
- XerosecondaryAccounting platform integration for automated reconciliation of Pay-by-Link payments with Xero invoices.
- SagesecondaryAccounting software integration with Merchant Hub Pay-by-Link for automated bookkeeping.
- PAX TechnologycorePayment terminal manufacturer providing PAX A35, A920 Pro, A77 devices running InfomatixNow software powered by Merchant Hub with features including bill splitting, tip entry, and receipt management.
- IngenicocorePayment terminal provider offering LANE 3000, LANE 5000, LANE 7000, DESK 5000, MOVE 5000, and DX8000 terminals integrated with Merchant Hub processing.
- VerifonecorePayment terminal manufacturer providing V400C, V400, V240, T650c, T650p terminals with Merchant Hub integration.
- Castles TechnologycorePayment terminal provider offering SATURN 1000F2 mobile wireless terminal with Merchant Hub integration.
- DatecssecondaryPayment terminal manufacturer providing BLUEPAD 50 with Merchant Hub integration.
- InfomatixNowcorePayment technology company bringing new features to payment terminals, powered by Merchant Hub. Provides InfomatixNow app with transaction history, bill splitting, tip entry, receipt management, branding, and loan access features.
Scale indicators3 records
Recent moves6 records
Merchant Hub competitors and assessment
Company assessmentBroad incumbents
- Worldpay (FIS): Global acquirer and payment processor serving SMBs through enterprise merchants across card-present and e-commerce. Highly comparable to Merchant Hub's full-stack acquiring + gateway model, but at vastly greater scale across multiple geographies.
- Elavon: Direct acquirer and Merchant Hub's upstream ISO partner; competes in the same merchant segments while also serving as Merchant Hub's processing infrastructure and reporting backend. Provides a useful reference point for pricing and feature parity.
- Adyen: Enterprise-focused unified commerce processor spanning in-store, e-commerce, and platform payments. Comparable in gateway + acquiring structure and global (multi-region) reach, though concentrated in larger merchants than Merchant Hub's SMB/mid-market mix.
Direct peers
- Stripe: Integrated payment processor with gateway and developer APIs, dominant in e-commerce and increasingly in face-to-face (Stripe Terminal). Closest direct competitor in product shape — API-first processing, gateway, and multi-method acceptance — though Stripe is venture-backed and substantially larger.
- Square (Block): Integrated POS and payment processor targeting SMBs and mid-market merchants with terminals, software, and lending (Square Capital). Overlaps with Merchant Hub on hardware-led SMB acquiring and merchant cash advance, with more vertically integrated software.
- SumUp: SMB-focused integrated payment processor offering card readers, e-commerce, and pay-by-link across UK/Europe. Direct overlap with Merchant Hub on UK SMB merchant acquiring and POS hardware-led sales motion.
- takepayments (formerly Worldpay SMB): UK-focused SMB payment processor offering card terminals, e-commerce, and merchant services with transparent fixed-rate pricing. Closely mirrors Merchant Hub's Pure & Simple SMB pricing model in the same UK market.
- Dojo (Paymentsense): UK SMB payment processor offering card terminals, integrated payments, and merchant services with transparent pricing. Direct UK market competitor to Merchant Hub's face-to-face and SMB acquiring business.
Others
- Global Payments: Large-scale merchant acquirer offering integrated payment technology, terminals, and software-led commerce solutions. Direct competitor in card-present and e-commerce acquiring across multiple geographies, operating at materially greater scale.
Emerging players
- Handepay (Cardstream Group): UK SMB card payment processor offering terminals and merchant services to independent retailers and hospitality. Comparable to Merchant Hub's UK SMB face-to-face acquiring focus, with smaller scale and narrower geographic footprint.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Merchant Hub social profiles
Digital presenceMerchant Hub compliance and trust
Trust signalCompliance1 record
Merchant Hub financial estimates
Financial estimateRevenue estimate
Valuation estimate
Merchant Hub leadership team
Management profileNumber of profiles
Profiles5 records
Merchant Hub funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Merchant Hub M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Merchant Hub
What does Merchant Hub do?
Merchant Hub provides merchants with card acceptance for in-store, e-commerce, and remote payment-link transactions, supported by payment terminals, gateway services, and multi-processor ePOS integration. Its broader offering includes transaction monitoring, accelerated settlement, dynamic currency conversion, merchant cash advances, checkout advertising, APIs and SDKs, and partner-based distribution.
Is Merchant Hub a public or private company?
Merchant Hub is a private company. It is classified as unknown and is currently operating.
When was Merchant Hub founded?
Merchant Hub was founded in 2003. It employs 11 to 50 people.
Where is Merchant Hub based?
Merchant Hub is headquartered in Miami Beach, United States, in the North America region.
How does Merchant Hub make money?
Four revenue lines are on record. Transaction Processing Fees are the primary driver. The others are monthly Service Fees, same/Next Day Funding Premium and business Cash Advances (EmFI).
Who are Merchant Hub's main competitors?
Broad incumbents on record are Worldpay (FIS), Elavon and Adyen. Direct peers are Stripe, Square (Block), SumUp, takepayments (formerly Worldpay SMB) and Dojo (Paymentsense). Global Payments is listed as an others. Handepay (Cardstream Group) is listed as an emerging player.
Does Merchant Hub have an API?
Yes. Merchant Hub offers APIs and SDKs for payment integration. The platform provides developer-friendly APIs and extensions for integrating payments into existing storefronts. Multiple APIs enable seamless transaction processing for faster and more secure payments. Sample code is available for multiple programming environments to expedite development time. Developer documentation is at crm.zoho.com/portal/MerchantHub/crm/login.sas.
What industry is Merchant Hub in?
Merchant Hub's product category is Payment Processing Services. Its primary akta.pro industry code is FSAMABAA, Integrated Payment Processors (PSP/Acquirer), with a secondary code of BPAMAFAB, Merchant Acquiring & Processing Platforms.