Merchant Service Sales
Merchant Service Sales is a Boynton Beach, FL-based merchant account provider offering flat-rate credit card processing at 0.20% to SMB and mid-market merchants across retail, restaurant, hospitality, medical, automotive, and high-risk verticals, operating as a registered agent for RBS WorldPay and EPI.
- Company typePrivate
- Founded2011
- HeadquartersBoynton Beach, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Merchant Service Sales does
Merchant Service Sales is a privately held merchant account provider founded in 2011 and headquartered at 9770 S. Military Trail, Suite B-7, Boynton Beach, Florida. The company sells credit card processing services to SMB and mid-market merchants across verticals including retail, restaurant, hospitality, medical/healthcare, automotive, wireless/mobile, eCommerce/MOTO, and high-risk categories (travel, adult, CBD). Its flagship offering is the ClearView Flat Fixed Rate program, which charges a single 0.20% rate per transaction with no batch, setup, annual, surcharge, or PCI compliance fees, and is positioned to deliver 15-20% savings versus traditional processors.
The company's product portfolio spans credit card terminal hardware (VeriFone, Nurit, Hypercom, WaySystems), virtual terminals and PC-based software integrated with Authorize.Net, PAYware Mobile (a VeriFone iPhone-based mobile acceptance solution), ATM processing services with direct network connections, gift card programs (Standard/Custom/Image), and a merchant cash advance referral product (up to $150,000) routed to Citiwide Merchant Funding. It also offers Retail Pro retail-management software through the RBS WorldPay network. Underlying infrastructure is provided by its status as a Registered Agent of RBS WorldPay and EPI (Electronic Payments Inc.), which gives the company access to Tier I and II bank relationships for merchant approvals.
Revenue is generated primarily through residual transaction fees on processed card volume, with secondary streams from equipment sales and merchant cash advance referral fees. Distribution is sales-led, combining a toll-free phone and website-driven inside sales function with a national ISO/agent partner program that pays lifetime residuals and offers web-based order entry, real-time residual reporting, training, and dedicated account support. Marketing relies on content (the "I Know My Rates" blog, RSS feed, email newsletter) and organic social (Facebook, Twitter, YouTube, LinkedIn, Yelp). The company is recognized by MerchantServiceReviews.com as a "Best Merchant Account Company in 2026" based on customer/peer reviews; no public financials, funding history, or M&A activity are disclosed.
Merchant Service Sales firmographics
Firmographics- Name
- Merchant Service Sales
- Legal name
- Merchant Service Sales
- Website
- https://merchantservicesales.com
- Company type
- Private
- Founded year
- 2011
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Merchant Service Sales is a Boynton Beach, FL-based merchant account provider offering flat-rate credit card processing at 0.20% to SMB and mid-market merchants across retail, restaurant, hospitality, medical, automotive, and high-risk verticals, operating as a registered agent for RBS WorldPay and EPI.
- Ownership category
- akta.pro rank
Merchant Service Sales industry classification
Industry- Product category
- Merchant Payment Processing Services
- NAICS
- Computer and Computer Peripheral Equipment and Software Merchant Wholesalers (42343), Sales Financing (52222)
- akta.pro primary industry
- Card-Present Acquirers (Retail & POS Focus) (FSAMABAC)
- akta.pro secondary industries
- High-Risk / Specialty Merchant Acquirers (FSAMABAE), Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)
Keywords
Where Merchant Service Sales is headquartered
LocationHeadquarters
- HQ city
- Boynton Beach
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Merchant Service Sales business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Operations, Marketing or Sales, Personnel, Supply Chain, Infrastructure
Revenue model
- Credit Card Processing Transaction Fees: The company charges merchants a flat percentage rate (0.20% as advertised) on credit card transactions processed through their merchant accounts. This is the primary revenue stream, with no batch fees, setup fees, or annual fees to create additional revenue barriers.
- Equipment Sales: Sale of credit card terminals, POS software, wireless terminals, check readers, virtual terminals, and related hardware and supplies to merchants establishing payment processing capability
- Agent/ISO Program Revenue Sharing: Revenue generated from agent network where merchants are onboarded through independent sales agents, with residual commissions shared between the company and agent partners over the lifetime of the merchant account
- Merchant Cash Advance Referrals: Referral fees earned from directing merchants to Citiwide for merchant cash advance services up to $150,000 in working capital
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | ClearView Flat Fixed Rate - 0.20% per transaction |
| Unit Pricing | Pay-as-you-go | Terminal Equipment - New and Refurbished |
| Other | Pay-as-you-go | Merchant Cash Advance - Up to $150,000 |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
Merchant Service Sales product offering
Product offeringCore offering
Merchant Service Sales provides credit card processing services through its ClearView Flat Fixed Rate program at 0.20% per transaction, with no batch, setup, annual, surcharge, or PCI compliance fees. The company distributes merchant accounts as a Registered Agent for RBS WorldPay and EPI, complemented by terminal hardware, mobile payment solutions, virtual terminals, ATM services, and merchant cash advance referrals for SMB and mid-market merchants across verticals including retail, restaurant, hospitality, medical, automotive, and high-risk industries.
Product overview
Merchant Service Sales is a merchant account provider offering a comprehensive suite of payment processing solutions centered on its ClearView Flat Fixed Rate program. The core offering provides flat-rate credit card processing with transparent billing. The company distributes complementary products including PAYware Mobile for iPhone payments, credit card terminals (VeriFone, Nurit, Hypercom, WaySystems), virtual terminals, PC-based software, and ATM services. Additional offerings include merchant cash advance financing through Citiwide, gift card programs, and Retail Pro retail management software through the RBS WorldPay network. Industry-specific solutions are provided for retail, restaurant, hospitality, wireless, medical, and automotive sectors.
Differentiator
Problem solved
Functional benefit
Products and services
- ClearView Flat Fixed Rate Flat-rate credit card processing program charging a fixed 0.20% per transaction regardless of volume, with no batch, setup, annual, surcharge, or PCI compliance fees; targeted at SMB and mid-market merchants seeking transparent, predictable processing costs.
- PAYware Mobile Mobile payment solution that turns an iPhone into a secure payment portal, enabling merchants to accept credit card payments on the go.
- Merchant Cash Advance Working capital financing of up to $150,000 available in as little as five days through Citiwide, without requiring a bank loan; intended for business expansion, equipment, inventory, taxes, and payroll.
- ATM Services ATM processing services with direct connections to ATM networks nationwide, eliminating the middleman for faster transaction times and higher merchant profitability.
- Credit Card Terminals Hardware lineup of credit card terminals including Verifone, Nurit, Hypercom, WaySystems, wireless terminals, and PIN pads, with one-year warranty and 7-day refund policy.
- Virtual Terminals Web-based payment gateway solutions that allow merchants to process credit card transactions online without physical terminal hardware.
- Gift Cards Gift card programs offering Standard, Custom, and Image gift card options with personalization and delivery features for retail merchants.
- Retail Pro POS Software Retail management software offering point of sale, merchandising, inventory control, payment solutions, and business intelligence capabilities for retail merchants, available through the RBS WorldPay network.
- Industry-Specific Merchant Solutions Vertical-specific merchant account solutions tailored for retail, restaurant, hospitality, wireless/mobile, medical, automotive, travel, and adult merchants.
Quantifiable outcome
- Reduce credit card processing charges by 15 to 20%
- +1 more outcomes
Companies that use Merchant Service Sales
Customer profileSegments8 records
Ideal customer profiles3 records
Merchant Service Sales technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Merchant Service Sales partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- RBS WorldPaycoreMerchant Service Sales is a Registered Agent of RBS WorldPay, operating as part of their Member Service Provider (MSP) network. This partnership allows the company to offer merchant accounts through RBS WorldPay's banking relationships and processing infrastructure, including access to Tier I and II banks for merchant approvals.
- EPI (Electronic Payments Inc.)coreMerchant Service Sales is a Registered Agent for EPI, enabling the company to resell electronic payment processing services under EPI's processing network and infrastructure.
- Retail ProcoreAs part of the RBS WorldPay network, Merchant Service Sales offers Retail Pro POS software to retail customers. Retail Pro provides point of sale, merchandising, inventory control, payment solutions, and business intelligence features for retail management.
- Citiwide Merchant FundingminorReferral partnership for merchant cash advance services up to $150,000 in working capital. Merchants are referred to Citiwide for financing needs including opening new locations, remodeling, equipment purchase, inventory, tax payments, and payroll handling.
- VeriFonecoreHardware partnership offering VeriFone terminal products including Omni series and PAYware Mobile solutions for credit card processing.
- Authorize.NetcorePayment gateway integration providing e-commerce merchants with secure online transaction processing capabilities.
Scale indicators1 record
Recent moves6 records
Expansion highlights5 records
Merchant Service Sales competitors and assessment
Company assessmentBroad incumbents
- PayPal: PayPal is a global payments incumbent offering SMB card processing, gateways, POS solutions (Zettle), and working capital products. Comparable broad SMB merchant services portfolio competing for the same merchant base.
- Clover (Fiserv): Clover is Fiserv's SMB POS and payments platform offering hardware, software, and processing for retail, restaurant, and service merchants. Comparable end-to-end SMB merchant services offering via a much larger incumbent.
- Heartland Payment Systems (Global Payments): Heartland, now part of Global Payments, is a large established merchant acquirer serving SMBs across retail, restaurant, and hospitality verticals. Comparable vertical-specific SMB processing offering at much larger scale.
- Chase Merchant Services: Chase Merchant Services offers SMB and mid-market credit card processing, POS solutions, and gateway products as part of a major bank. Comparable on core SMB acquiring capability and gateway offerings, though distributed through bank channels rather than ISO/agent networks.
Direct peers
- Payment Depot: Payment Depot provides wholesale/interchange-plus credit card processing to SMBs targeting cost-conscious merchants. Comparable SMB positioning and emphasis on transparent pricing that beats traditional processors.
- Toast: Toast is a restaurant-focused POS and payments platform combining hardware, software, and processing. Directly comparable to Merchant Service Sales' restaurant vertical solution and broader vertical-specialization strategy.
- Stripe: Stripe is a dominant payment processor serving SMB and enterprise merchants with transparent pricing, payment gateways, and developer APIs. Comparable as an SMB payment processor competing on pricing simplicity and gateway/terminal offerings.
- Helcim: Helcim is a Canadian-headquartered SMB payment processor offering transparent interchange-plus pricing and merchant tools. Closely comparable on flat/clear pricing philosophy, SMB focus, and multi-product suite (gateway, terminal, mobile).
- Stax (formerly Fattmerchant): Stax offers flat monthly subscription-based payment processing for SMBs, with no hidden fees and transparent pricing — a near-direct business model match to Merchant Service Sales' ClearView flat-rate positioning.
- Square (Block): Square is a leading SMB payments platform offering flat-rate credit card processing, POS hardware, and software to retail and restaurant merchants. Directly comparable on pricing transparency (flat-rate), SMB focus, and bundled hardware/services model.
Market position
Weaknesses5 records
Competitive moat3 records
Key risks5 records
Key highlights6 records
Customer concentration
Merchant Service Sales social profiles
Digital presenceMerchant Service Sales financial estimates
Financial estimateRevenue estimate
Valuation estimate
Merchant Service Sales leadership team
Management profileNumber of profiles
Profiles2 records
Merchant Service Sales funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Merchant Service Sales 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 Service Sales
What does Merchant Service Sales do?
Merchant Service Sales provides credit card processing services through its ClearView Flat Fixed Rate program at 0.20% per transaction, with no batch, setup, annual, surcharge, or PCI compliance fees. The company distributes merchant accounts as a Registered Agent for RBS WorldPay and EPI, complemented by terminal hardware, mobile payment solutions, virtual terminals, ATM services, and merchant cash advance referrals for SMB and mid-market merchants across verticals including retail, restaurant, hospitality, medical, automotive, and high-risk industries.
Is Merchant Service Sales a public or private company?
Merchant Service Sales is a private company. It is classified as unknown and is currently operating.
When was Merchant Service Sales founded?
Merchant Service Sales was founded in 2011. It employs 1 to 10 people.
Where is Merchant Service Sales based?
Merchant Service Sales is headquartered in Boynton Beach, United States, in the North America region.
How does Merchant Service Sales make money?
Four revenue lines are on record. Credit Card Processing Transaction Fees are the primary driver. The others are equipment Sales, agent/ISO Program Revenue Sharing and merchant Cash Advance Referrals.
Who are Merchant Service Sales's main competitors?
Broad incumbents on record are PayPal, Clover (Fiserv), Heartland Payment Systems (Global Payments) and Chase Merchant Services. Direct peers are Payment Depot, Toast, Stripe, Helcim, Stax (formerly Fattmerchant) and Square (Block).
Does Merchant Service Sales have an API?
No public API is recorded for Merchant Service Sales.
What industry is Merchant Service Sales in?
Merchant Service Sales's product category is Merchant Payment Processing Services. Its primary akta.pro industry code is FSAMABAC, Card-Present Acquirers (Retail & POS Focus), with a secondary code of FSAMABAE, High-Risk / Specialty Merchant Acquirers. Its NAICS code is 42343.