Payment Solutions

Merchant Services and Payment Solutions

From credit card processing and ACH payments to POS systems, dual pricing, and smart terminals — we offer the full range of business payment solutions with transparent pricing and honest support.

Payment Processing

Credit Card Processing

Accept Visa, Mastercard, Amex, and Discover with transparent interchange-plus pricing. No hidden fees, no surprise charges — just clear rates and fast settlement for your business.

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ACH Payments

Accept bank-to-bank ACH transfers at a fraction of the cost of credit cards. Ideal for recurring billing, B2B invoices, large transactions, and any business that wants to reduce processing fees.

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Online Payments

Secure payment processing for your website or e-commerce store. Accept cards and ACH online with a hosted payment page, embedded checkout, or payment link — no complex integration required.

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Invoicing

Send professional invoices with embedded payment links so clients can pay by card or ACH directly from their inbox. Reduce collections time and get paid faster.

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Cost Reduction Programs

Dual Pricing

Display two prices — one for cash, one for card — so your business can offset processing costs while giving customers a transparent choice at checkout. Fully compliant and easy to implement.

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Cash Discount Programs

Reward customers who pay with cash by offering a discount, effectively eliminating your credit card processing fees. A simple, compliant way to protect your margins without surcharging.

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Statement Review & Savings Analysis

A free, no-obligation review of your current merchant processing statement. We identify your effective rate, flag hidden fees, and show you exactly where savings are possible — with no pressure to switch.

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Hardware & Technology

POS Systems

Full-featured point-of-sale systems for restaurants, retailers, and service businesses. Includes inventory management, sales reporting, employee management, and integrated payment processing.

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Smart Terminals

Modern smart terminals that accept chip, tap, swipe, and digital wallet payments. Fast, reliable, and easy to manage — with next-day funding and full reporting built in.

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Industry-Specific Solutions

Restaurant Payment Processing

Restaurant-specific processing with table management, tip handling, kitchen display integration, and dual pricing support. Built for the pace and complexity of food service operations.

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Retail Payment Processing

Retail payment solutions with inventory management, barcode scanning, multi-location support, and fast checkout. Designed to keep your line moving and your margins protected.

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Not Sure Which Solution Is Right for You?

Send your current merchant statement for a free review and we will identify the right services for your business — with no pressure and no obligation.

Send Your Statement for Review
The People's Merchant Trust Co.

Helping business owners make confident payment decisions through honest merchant processing, clear statement reviews, and modern payment technology.

[email protected]

Services

  • Merchant Processing
  • POS Systems
  • ACH Payments
  • Dual Pricing
  • Cash Discount Programs
  • Smart Terminals
  • Statement Reviews
  • Online Payments

© 2026 The People's Merchant Trust Co. All rights reserved.

Merchant Processing | POS Systems | ACH Payments | Dual Pricing | Statement Reviews