Merchant Processing
Merchant Processing Company (MPC Solutions) is a Princeton, NJ-based private payment processor that provides credit, debit, gift card, check, and electronic signature capture services to tens of thousands of U.S. SMB merchants, with a dedicated focus on high-risk verticals such as cannabis, adult entertainment, travel clubs, and credit repair.
- Company typePrivate
- Founded2006
- HeadquartersPrinceton, United States
- Headcount—
- GTM typeB2B
- OfferingServices
What Merchant Processing does
Merchant Processing Company, doing business as MPC Solutions, is a privately held U.S. payment processor founded in June 2006 with over $25 million in initial capital and headquartered at 259 Nassau St, Suite 115, Princeton, New Jersey. The company provides electronic payment processing services to tens of thousands of small and medium-sized merchants across the United States, operating as a one-stop shop for credit card processing, PIN-based debit, gift cards, check services (guarantee and conversion), and electronic signature/receipt capture.
Its core product suite runs on the proprietary Merchant Diamond terminal platform, which integrates value-added features absent from competing commodity terminals, including a one-button 'Call-Me' callback to customer service, customizable receipt advertising messaging, and the Merchant Intelligence Dashboard that aggregates transaction data into customer-location, income-level, competitor-mapping, and advertising-effectiveness analytics. Equipment — Merchant Diamond, wireless, IP, landline, and virtual terminals — is supplied to merchants at no additional cost while they process through MPC. The company supports a card-not-present product line (virtual terminal and high-risk payment gateway) and integrates with major e-commerce platforms (Shopify, WooCommerce, Wix, Magento, BigCommerce, Volusion, 3DCart) and payment gateways (Authorize.net, NMI, USAePay).
MPC makes money primarily through transaction-based merchant discount rates on credit and debit processing, supplemented by add-on service fees, equipment shipping/handling charges for unreturned equipment, and a Cash Advance product for existing merchants. Go-to-market is sales-led through a national network of Independent Sales Agents (ISOs) who conduct on-site merchant presentations using company-provided laptops; agents are paid $341 per closed account daily plus tiered monthly bonuses (14-16 accounts = $250, 17-19 = $350, 20+ = $450). MPC holds PCI DSS certification, is a member of the Merchant Acquirers' Committee, Electronic Transactions Association, and International Association of Financial Crime Investigators, and maintains underwriting relationships with Wells Fargo, BMO Harris, Esquire Bank, and Chesapeake Bank, alongside high-risk channel partners EMS (Enhanced Merchant Services) and GreenPay.
Merchant Processing firmographics
Firmographics- Name
- Merchant Processing
- Legal name
- Merchant Processing Company
- Website
- https://merchantprocessor.com
- Company type
- Private
- Founded year
- 2006
- Operating status
- Operating
- Short description
- Merchant Processing Company (MPC Solutions) is a Princeton, NJ-based private payment processor that provides credit, debit, gift card, check, and electronic signature capture services to tens of thousands of U.S. SMB merchants, with a dedicated focus on high-risk verticals such as cannabis, adult entertainment, travel clubs, and credit repair.
- Ownership category
- akta.pro rank
Merchant Processing industry classification
Industry- Product category
- Payment Processing Services
- akta.pro primary industry
- Merchant Acquiring & Processing Platforms (BPAMAFAB)
- akta.pro secondary industries
- High-Risk / Specialty Merchant Acquirers (FSAMABAE), Card-Present Acquirers (Retail & POS Focus) (FSAMABAC), Merchant Risk, Underwriting & Portfolio Monitoring (FSAMALAH), Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management) (FSAMABAF)
Keywords
Where Merchant Processing is headquartered
LocationHeadquarters
- HQ city
- Princeton
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Merchant Processing business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Operations, Marketing or Sales, Technology or R&D, Personnel, Infrastructure
Revenue model
- Payment Processing Transaction Fees: Primary revenue from transaction fees charged on credit card, debit card, and electronic payment processing. All merchants receive equipment included with processing services.
- Additional Payment Services: Revenue from additional services including check processing, gift cards, receipt capture, PIN debit, and cash advances offered as add-on services.
- Agent Commissions: Sales agent commissions of $341 per account closed, paid daily. Agents can sell additional services for full commission.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Standard Merchant Processing |
| Transaction based/ take rate | Pay-as-you-go | Sales Agent Commission Structure |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Merchant Processing product offering
Product offeringCore offering
Merchant Processing Company is a one-stop electronic payment processing provider that enables small and medium-sized businesses across the United States to accept credit cards (Visa, MasterCard, American Express, Discover), PIN-based debit, gift cards, checks, and electronic signature capture, with all equipment (including its proprietary Merchant Diamond terminal, wireless, virtual, landline, and IP terminals) provided at no additional cost. It operates a dedicated High Risk Merchant Account Program for industries typically declined by traditional banks (CBD/cannabis, adult entertainment, travel clubs, credit repair, debt collection, telemarketing, tobacco, nutraceuticals), supplemented by a Chargeback Response Program, cash advance program for existing merchants, and a Merchant Intelligence Dashboard.
Product overview
Merchant Processing Company (MPC Solutions) is an innovative provider of electronic payment processing services serving tens of thousands of small and medium-sized businesses across the United States. The company operates as a "one-stop shop" providing a unified processing platform that includes credit card processing, pin-based debit, gift cards, check services, and electronic signature capture. All clients receive equipment (Merchant Diamond terminal, wireless, virtual, landline, and IP terminals) at no additional cost. The core product is the credit card processing service supporting Visa, MasterCard, American Express, and Discover, supplemented by specialized high-risk merchant account programs for industries including CBD/cannabis, adult entertainment, financial services, tobacco, travel, telemarketing, and vitamins/supplements. Add-on services include the Chargeback Response Program, Merchant Intelligence Dashboard, Receipt Advertising, and Call-Me feature. The company also offers a Cash Advance Program for existing merchants.
Differentiator
Problem solved
Functional benefit
Products and services
- Credit Card Processing
Quantifiable outcome
- Over 100,000 merchants served with free equipment
- +2 more outcomes
Companies that use Merchant Processing
Customer profileNamed customers6 records
Segments3 records
Ideal customer profiles3 records
Merchant Processing technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration10 records
Feature4 records
Merchant Processing partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- EMS (Enhanced Merchant Services)corePartnership for high risk merchant account program. EMS provides high risk merchant processing capabilities for businesses turned down by traditional banks.
- GreenPaycorePartnership for high risk merchant account program serving businesses requiring specialized processing solutions.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Merchant Processing competitors and assessment
Company assessmentDirect peers
- High Risk Pay: High Risk Pay is a focused high-risk merchant acquirer offering underwriting for CBD, nutraceuticals, supplements, adult, travel, and credit repair — categories that closely overlap with MPC's specialized high-risk program.
- CannaPayments: CannaPayments is a cannabis-specialized merchant acquirer offering processing for dispensaries and CBD merchants. Direct overlap with MPC's MMJ/CBD vertical served via National Processing Services partnership.
- Heartland Payment Systems: Heartland (a Global Payments company) is a direct SMB and mid-market merchant acquirer with ISO distribution and full POS equipment suite. Closest analog to MPC's retail/restaurant SMB book and ISO channel model.
- North American Bancard: North American Bancard (NAB) is a large ISO-driven merchant acquirer serving SMB and high-risk merchants, with a comparable agent-commission model. One of the most direct structural competitors to MPC in the ISO channel.
- Electronic Merchant Brokers (EMB): EMB is a high-risk merchant account specialist offering cash advance, credit card processing, and gateway services. Direct competitor in the cannabis, CBD, and adult verticals MPC serves.
Broad incumbents
- Adyen: Adyen is a global merchant acquirer serving omnichannel enterprise and SMB merchants. Indirect competitor for MPC's mid-market and e-commerce merchants; less direct in high-risk niches.
- Square (Block): Block's Square is one of the largest SMB merchant acquirers in the US, offering card-present, card-not-present, and integrated software. It competes with MPC for retail, restaurant, and service SMBs but does not focus on the high-risk niches MPC specializes in.
- PayPal: PayPal offers merchant acquiring through PayPal, Braintree, and Venmo, serving SMBs across card-present and card-not-present. Directly competitive with MPC's SMB and e-commerce merchants, though absent from MPC's high-risk niches.
- Stripe: Stripe is a leading merchant acquirer with strong developer APIs and omnichannel coverage for online and in-person SMB and enterprise merchants. Overlaps with MPC's e-commerce, retail, and MOTO segments through gateway integrations like Authorize.Net and USAePay.
Emerging players
- Chargebacks911: Chargebacks911 is a specialist in chargeback management, mitigation, and alerts — directly comparable to MPC's Chargeback Response Program offering and adjacent to its high-risk merchant focus.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Merchant Processing social profiles
Digital presenceMerchant Processing compliance and trust
Trust signalCompliance2 records
Merchant Processing financial estimates
Financial estimateRevenue estimate
Valuation estimate
Merchant Processing leadership team
Management profileNumber of profiles
Profiles2 records
Merchant Processing funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Merchant Processing 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 Processing
What does Merchant Processing do?
Merchant Processing Company is a one-stop electronic payment processing provider that enables small and medium-sized businesses across the United States to accept credit cards (Visa, MasterCard, American Express, Discover), PIN-based debit, gift cards, checks, and electronic signature capture, with all equipment (including its proprietary Merchant Diamond terminal, wireless, virtual, landline, and IP terminals) provided at no additional cost. It operates a dedicated High Risk Merchant Account Program for industries typically declined by traditional banks (CBD/cannabis, adult entertainment, travel clubs, credit repair, debt collection, telemarketing, tobacco, nutraceuticals), supplemented by a Chargeback Response Program, cash advance program for existing merchants, and a Merchant Intelligence Dashboard.
Is Merchant Processing a public or private company?
Merchant Processing is a private company. It is classified as unknown and is currently operating.
When was Merchant Processing founded?
Merchant Processing was founded in 2006.
Where is Merchant Processing based?
Merchant Processing is headquartered in Princeton, United States, in the North America region.
How does Merchant Processing make money?
Three revenue lines are on record. Payment Processing Transaction Fees are the primary driver. The others are additional Payment Services and agent Commissions.
Who are Merchant Processing's main competitors?
Direct peers on record are High Risk Pay, CannaPayments, Heartland Payment Systems, North American Bancard and Electronic Merchant Brokers (EMB). Broad incumbents are Adyen, Square (Block), PayPal and Stripe. Chargebacks911 is listed as an emerging player.
Does Merchant Processing have an API?
No public API is recorded for Merchant Processing.
What industry is Merchant Processing in?
Merchant Processing's product category is Payment Processing Services. Its primary akta.pro industry code is BPAMAFAB, Merchant Acquiring & Processing Platforms, with a secondary code of FSAMABAE, High-Risk / Specialty Merchant Acquirers.