Dynamic Merchant Processing

What Dynamic Merchant Processing does

Dynamic Merchant Processing is a private payment processing company headquartered in Oxford, Alabama, founded in 2005 and operating as a registered Independent Sales Organization (ISO) of PNC Bank and TSYS/Global Payments. The company serves over 2,000 small and mid-market businesses across at least eight verticals — primarily restaurants (400+), retail, bars, B2B, professional services, healthcare, veterinary, and automotive — processing approximately $1 billion annually across 13 million transactions, with a 20+ year operating history under founder/President Dustin Wilkins.

The company's flagship offering is the Platinum POS Program, which bundles compliant dual pricing (cash discounting) technology with free or discounted premium POS systems, custom dual pricing menu design (via its Menu Works partnership), on-site installation, staff training, and 24/7 support. The dual pricing model displays two prices (card price and cash price), enabling merchants to shift processing fees onto card transactions and eliminate up to 100% of card processing fees while remaining compliant with card brand disclosure rules. Surrounding this flagship program, Dynamic offers modular products including B2B payment solutions (ACH/eCheck, Level II/III processing, invoice automation), eCommerce gateway services (Paytrace, Authorize.net, eProcessing Network), PCI compliance management, healthcare-specific HSA/FSA support and patient portals, pay-at-the-pump processing, and specialized 2A-friendly processing for firearms merchants.

Revenue is generated through transaction-based fees on payment processing volume, supplemented by POS hardware provisioning, B2B ACH fees, gateway markups, PCI compliance fees, and professional services such as menu design. The go-to-market is sales-led and consultative: free consultations, phone-based inside sales, on-site installations, and a typical 30-day rollout. Strategic moves include the 2018 introduction of compliant dual pricing, a 2021 doubling of workforce and sales force, the 2024 launch of the Platinum POS Program, and 2025 TSYS ISO registration enabling direct wholesale processor pricing.

Name

Dynamic Merchant Processing

Legal name

Dynamic Merchant Processing, LLC

Website

https://dmprocessing.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

11–50 employees

Short description

Dynamic Merchant Processing is a private payment processing ISO of PNC Bank and TSYS serving 2,000+ SMB and mid-market merchants across restaurants, retail, B2B, healthcare, and seven other verticals, processing $1B annually via its Platinum POS Program with dual pricing.

Ownership category

akta.pro rank

Product category

Merchant Payment Processing

akta.pro primary industry

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)

akta.pro secondary industries

Integrated POS Payments (ISVs & Vertical POS Platforms) (FSAMADAD), Card-Present Acquirers (Retail & POS Focus) (FSAMABAC)

Keywords

• Merchant payment processing
• Dual pricing solutions
• POS system integration
• Credit card processing
• ISO payment services

Headquarters

HQ city

Oxford

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure, Supply Chain

Revenue model

1. Payment Processing Fees: Revenue generated from merchant payment processing services. The company offers dual pricing that allows merchants to offset or eliminate card processing fees, passing fees to card-paying customers while offering cash discounts.
2. POS System Provisioning: Provides free or discounted POS systems to merchants as part of the Platinum POS Program. Revenue is supported by the savings generated from dual pricing fee recovery.
3. Menu Design Services: Custom dual pricing menu design services provided through Menu Works partnership, enhancing merchant compliance and customer experience.
4. B2B Payment Solutions: ACH and eCheck billing, Level II/III processing, and invoice automation services for B2B merchants with reduced fees for electronic payment methods.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Dynamic Merchant Processing is a registered ISO that provides merchant payment processing services primarily through its flagship Platinum POS Program, which pairs compliant dual pricing / cash-discounting technology with free or discounted POS systems, custom menu design, on-site installation, staff training, and 24/7 support to help merchants eliminate up to 100% of card processing fees. Around this core, the company layers modular solutions for retail, B2B, healthcare, restaurants, bars, mobile, eCommerce, ACH/recurring billing, PCI compliance, and firearms merchants.

Product overview

Dynamic Merchant Processing is a payment processing company that operates as a single-platform payment solutions provider. The core offering is the Platinum POS Program, which combines compliant dual pricing technology with free or discounted POS systems to help merchants eliminate up to 100% of card processing fees. Around this flagship program, Dynamic offers modular add-on solutions including Cash Discount Programs, B2B Payment Solutions, Retail Credit Card Processing, Mobile Processing, eCommerce & Card Not Present services, Restaurant & Hospitality integrations, Pay At The Pump Processing, PCI Compliance support, ACH/ARC & Recurring Billing, and industry-specific offerings like HSA/FSA Card Support and Patient Payment Portals for healthcare. The company integrates with over 18 POS system partners (including Clover, Union POS, NCR Aloha, PAR, and others) and accounting platforms like QuickBooks Online and Xero. As a registered ISO of PNC Bank and TSYS/Global Payments, Dynamic delivers wholesale pricing direct from the processor.

Differentiator

Problem solved

Functional benefit

Products and services

• Platinum POS Program Flagship program combining compliant dual pricing / cash-discounting technology with free or discounted premium POS systems. Includes custom-built digital and printed menus, seamless POS integration, on-site installation, staff training, and 24/7 support designed to help merchants eliminate up to 100% of card processing fees (typically 2.25% to 3%).
• Cash Discount Program Dual pricing technology that offsets processing costs by offering a discount for cash payments, providing transparent pricing with zero hidden fees; available as a standalone option distinct from the Platinum POS bundle.
• B2B Payment Solutions Enterprise payment processing for B2B merchants including ACH and eCheck billing, Level II/III processing for commercial cards, invoice automation, recurring billing, QR code payments, and QuickBooks/Xero integration to reduce fees and improve cash flow.
• Retail Credit Card Processing Fast, secure card processing for storefronts of any size including shelf tag pricing, inventory tracking, gift cards, loyalty programs, and modern terminals to streamline every sale.
• Mobile Processing Mobile-first processing solutions that are easy to use, affordable, and secure for on-the-go payments across restaurants, auto, and field-service businesses.
• eCommerce & Card Not Present eCommerce payment services with direct gateway provisioning through Paytrace, Authorize.net, and eProcessing Network for internet retailers, including integrated Shopify storefront support.
• Restaurant & Hospitality Payment solutions integrating with top restaurant POS systems (NCR Aloha, Clover, Union POS, PAR, SkyTab and 17+ others), combined with wholesale pricing, for bars, restaurants, and hotels.
• Pay At The Pump Processing Petroleum processing program that works with most forecourt controllers and offers processing opportunities for fleet cards, targeted at gas stations and convenience stores.
• PCI Compliance Dedicated PCI administrators help merchants stay PCI compliant and protect cardholder data, with a security metrics portal for monitoring compliance status under PCI DSS, VISA CISP, and MasterCard SDP.
• ACH, ARC & Recurring Billing Accounts receivable automation products including ACH, ARC, and recurring billing designed to transform businesses into efficient billing machines with reduced fees versus card transactions.
• 2A-Friendly Payment Processing Compliant payment solutions for lawful Second Amendment-related businesses selling firearms, ammunition, gun parts, and accessories, both online and in person.
• HSA/FSA Card Support Healthcare-specific payment acceptance supporting HSA/FSA cards for medical offices, pharmacies, and veterinary clinics, enabling compliant health-spending-account transactions.
• Patient Payment Portals Custom payment portals for healthcare providers enabling patients to pay online securely, supporting treatment plan billing and recurring payment collection.
• QR Code & Hosted Payment Page Alternative payment methods for B2B and professional services enabling easy invoice payments via QR code or secure hosted payment pages.

Quantifiable outcome

• Merchants eliminate up to 100% of card processing fees
• +6 more outcomes

Named customers22 records

Segments9 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration27 records

Feature5 records

Partnerships

Four partnerships are on record, tiered core.

• PNC BankcoreStrategic or Co-development Partner · 1 January 2025Dynamic Merchant Processing is a registered ISO (Independent Sales Organization) of PNC Bank, N.A., Pittsburgh, PA. This banking partnership enables the company to offer payment processing services under PNC Bank's sponsorship.
• TSYS/Global PaymentscoreStrategic or Co-development Partner · 1 January 2025Registered ISO of TSYS/Global Payments, sponsored by PNC Bank. This partnership enables the company to provide compliant payment solutions including specialized 2A-friendly processing for lawful firearms and ammunition merchants.
• NCR (Aloha POS)coreTechnology or IntegrationIntegration partnership allowing Krystal Hamburgers franchises to use existing NCR Aloha POS systems with true cash discounting, eliminating the need for costly hardware upgrades.
• Union POScoreTechnology or IntegrationIntegration partnership for Hula Hut restaurant deployment, enabling customer-led ordering, daily distributor discounts for alcohol, and full-service installation and support.

Scale indicators8 records

Recent moves7 records

Expansion highlights7 records

Broad incumbents

• Clover (Fiserv): Clover, owned by Fiserv, is a leading SMB POS and business management platform with integrated payment processing available through ISOs and direct channels. Comparable as Dynamic is a Clover integration partner and offers Clover hardware as part of its Platinum POS Program, but Clover itself is a broad incumbent with full-stack SaaS capabilities.
• Square (Block): Square, a subsidiary of Block, Inc., is a dominant SMB payments and POS platform serving restaurants, retail, and service businesses with integrated hardware and software. Comparable as a merchant acquirer and POS provider, though operating at vastly larger scale with technology-led (self-service) onboarding versus Dynamic's consultative-sales approach.
• Heartland Payment Systems (Global Payments): Heartland, owned by Global Payments, is one of the largest US merchant acquirers offering payment processing, POS, and payroll solutions. Comparable as a major ISO/merchant acquirer competing in restaurant and SMB verticals, though at vastly larger scale and with broader product portfolio than Dynamic.

Direct peers

• Dharma Merchant Services: Dharma is a merchant services provider offering payment processing with a focus on transparent pricing, dual pricing, and POS integrations for restaurants and retail. Comparable as a similarly-sized ISO with comparable product offerings and target verticals.
• Toast: Toast is a cloud-based POS and payments platform purpose-built for the restaurant industry, offering integrated hardware, software, and processing. Highly comparable as it competes directly in Dynamic's primary restaurant vertical with a similar bundled POS-plus-processing value proposition, though Toast operates at much larger scale and is publicly traded.
• National Processing: National Processing is a payment processing company serving SMBs with credit card processing, POS solutions, and cash discount/dual pricing programs. Comparable as a similarly-sized merchant services provider competing in the same SMB verticals with similar dual pricing and ISO business model.
• Helcim: Helcim is a payments platform offering processing, POS, and invoicing with transparent interchange-plus pricing for SMBs. Comparable as a payment processor competing in restaurant, retail, and B2B verticals with similar focus on transparent pricing and dual pricing/cash discount capabilities.
• North American Bancard: North American Bancard is a large independent sales organization (ISO) offering payment processing, POS, and cash discount programs to SMBs across multiple verticals. Comparable as a similar ISO model with comparable target customers and product offerings including dual pricing programs.
• Stax Payments: Stax is a payment processing platform targeting SMBs with subscription-based pricing (flat monthly fee + interchange) as an alternative to traditional percentage-based pricing. Comparable as a direct competitor offering differentiated pricing models, dual pricing/cash discount programs, and broad POS integrations across restaurant and retail verticals.
• Payment Depot: Payment Depot is a payment processing provider offering interchange-plus pricing and dual pricing/cash discount programs targeting SMBs. Comparable as a direct competitor in the dual pricing space serving restaurants and retail, with similar consultative-sales GTM.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Dynamic Merchant Processing