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The last few years brought new challenges for small businesses and their customers alike. The pandemic has put a laser-like focus on safeguarding the cardholder payment experience and providing new ways of doing business. Now, more than ever, it’s crucial to prepare your business, your employees and your community for a new market reality.

Providing a touchless experience

As we transition to a new business reality, enabling customers to pay their preferred way is key to customer satisfaction. Simply accepting credit and debit card payments is no longer enough.

Contactless/mobile wallets

The ability to accept contactless payments should be an essential component of operating safely and minimizing the spread of germs. Contactless cards, mobile wallets and smartwatches are all convenient and quick ways to pay while avoiding contact at the point of sale. EMV/NFC-enabled POS devices are the most essential part of accepting contactless payments in-store and on the go. Contact your payment processor about special offers and equipment rental programs to get up and running quickly. 2020 was poised to be the year of contactless adoption before business changed as we know it, and now its adoption is increasing exponentially.


As online shopping and ordering reach a tipping point, a business’s ability to add ecommerce payment functionality to their business is key to future success. Look for flexible solutions that multitask – including accepting payments in-store, online, via mobile or phone.

Cloud-based POS solutions can help you simplify your operations and uncover strategic insights that can empower your small business to grow.

Managing cash flow

Want to reduce business costs and expenses? You can access your payment proceeds faster and control payment processing interchange expenses with new funding speed solutions, surcharging and Commercial Card Optimization.

Funding solutions

Cash flow is the core of keeping a business open and running. Whether it’s paying invoices or payroll, investing in a new technology or upgrading to new customer engagement channels, having money in your account enables you to achieve your goals.

Benefits of cash flow management

  • Have cash on hand ready to invest in any opportunity
  • Balance deposits versus withdrawals to avoid delays in paying bills, invoices or other costs
  • Know when cash will be available to schedule payments
  • Easier reconciliation of batch versus funding deposits

Fast Track Funding is great for businesses that close out batches late at night, or for businesses that are experiencing funding delays of two business days. Available for every business within the United States regardless of state, region or banking relationship.

True Daily Funding is part of the Real-Time Payments (RTP) network, and if your bank is a provider within the RTP network, you could be funded within just hours of closing out your batch. The best part of True Daily Funding is that it works on weekends, not just weekdays, which means funding is direct to your deposit account every day of the week. If you’re interested in faster access to cash flow, let us help you identify if there is an opportunity for faster funding times based on your Demand Deposit Account (DDA).

Solutions that lower costs

Everyone wants to save money, especially if it’s done without giving up a great customer experience or downsizing offerings. Interchange and assessment rates make up the majority of card acceptance costs, and we’ve developed opportunities to help reduce these costs in all business environments:

Optimize interchange costs associated with commercial card payments. Commercial card usage has been steadily growing since 2014, and the cards aren’t set to reach maturity until 2022, which means market usage of these cards is still on the rise.1

However, when we look at our own internal data, we know that most merchants are not processing these cards at their most optimal interchange rate. We created a software called Commercial Card Optimization that auto-populates the fields necessary to achieve lower interchange rates on commercial card transactions. No upgrade or download required.


Offset credit card acceptance cost with a surcharge. If you’re looking for a solution that gives you complete control and predictability in your card acceptance costs, surcharging could make it happen. Surcharging is a percentage-based fee applied to the final total of a transaction. This fee is used to offset the cost of credit card acceptance for the transaction, which means the cardholder paid for the majority of the acceptance cost instead of the business.

Whether it’s online or in-person, surcharging is a strong option for businesses looking to take charge of their credit card acceptance costs. Plus, debit cards are set at a flat rate cost, regardless of PIN entry or not, which makes billing statements easier to read and evaluate.


Providing a secure payment experience is top of mind for you and your customers. Contactless payment technology utilizes EMV/chip card technology which inherently makes transactions safer.

The increase in online transactions also means taking a closer look at card-not-present (CNP) fraud. As more customers turn to ecommerce transactions, it’s important you have the tools in place to prevent malicious account takeover and phishing schemes.

Be sure to look for advanced fraud solutions that provide a frictionless cardholder experience while offering stronger security and authentication protocols.

A note on friendly fraud

CNP transactions come with their own rules and chargeback guidance that may be new to merchants unfamiliar with online transactions. Ask us about tips and tools that could help manage this new payment channel, reduce chargebacks and avoid fraud losses.

 4 - Mercator 

Request a call back

We want to hear from you. If you are interested in setting up a new merchant account with us, please contact us through the form below and we'll call between the hours of 9:00 AM and 7:00 PM EST, Monday-Friday. If you require assistance with an existing account, please call our customer service line 24/7/365. 

This contact form is for US customers only. If you are looking for one of our other locations, please visit to find your country or region. 

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If you would like to speak to someone now, please call 1-866-671-1583 to be connected with a payments professional. 

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