No Hidden Fees.
No Headaches.
No More Bad Processing Stories.
No matter what business you're in, you've probably heard the nightmare: a client's funds were frozen by their processor—and suddenly, your payment is delayed. Merchly puts an end to that by providing reliable, fast, and secure processing for your clients.
Understanding Credit Card Processing Pricing
While we do not expect you to be an expert in credit card processing, it's important to understand the different pricing models and how they affect your client's bottom line.
Interchange
The base cost set by card networks (Visa, Mastercard, Discover and Amex) that varies by card type, transaction method, and business category. This is the foundation of all processing costs.
Flat Rate
Used by Square, Stripe, and QuickBooks, this model charges the same rate regardless of card type. While simple, it often costs more than necessary for many transactions.
Cash Discounting
A compliant way to offset processing costs by offering a discount for cash payments. This helps businesses maintain their margins while providing payment flexibility.
The Problem with Flat Rate Pricing
While flat rate pricing from providers like Square, Stripe, and QuickBooks seems simple, it often leads to higher costs because:
- You pay the same rate for all transactions, even when interchange rates are lower
- No flexibility to optimize costs based on your specific business needs
- Hidden fees and markups are built into the flat rate
- Limited ability to implement cost-saving strategies like cash discounting
At Merchly, we believe in transparent, interchange-plus pricing that gives you more control over your processing costs and helps you save money where it matters most.
Built for Better Outcomes
Merchly doesn't just fix overcharging processors—we help you become the trusted guide your clients remember. You bring the relationship. We bring solutions that make you look like a genius.
Tailored Pricing Models
Every business is unique. We craft fee structures aligned with real margins and industry type—not flat-rate band-aids.
Smart Payment Tech
From mobile to full POS to embedded ACH, we implement what works best for how your clients actually do business.
White-Glove Support
US-based teams that handle onboarding, training, and support. You'll never worry about your referral being ghosted again.
Advanced Analytics
Clients get detailed insights into transaction patterns and revenue streams with our comprehensive reporting dashboard.
Secure Processing
Enterprise-grade security with PCI compliance and fraud protection built into every transaction.
Revenue Optimization
Merchly saves your clients time and money by providing a better processing experience tailored to their business.
Make Referrals That Actually Matter
Help Your Clients Save More. Look Like a Genius Doing It.
Merchly gives you a smarter way to help your clients—and a partner program built to grow your business while making you look like a rockstar. No tech skills required.