Variety of Payment Options
Let us help to grow your business by offering the ability to accept payments from your POS system, on your website, over the phone, in-person, or on a mobile device.
Simplified Payments
Improve cash flow, increase profitability and create predictable revenue with easy-to-use automated payment software. Enjoy simplified and easily understandable reports & statements.
Enjoy Nominal Rates
Our low credit card rates allow you to keep more of your money and spend less time dealing with overhead. Growing any business is a challenge; worry less about processing costs.
ACCEPT CREDIT/DEBIT & ECHECKS IN-STORE, ONLINE, AND MOBILE.
LETS GROW YOUR BUSINESS
Start saving your hard earned money with Your Merchant Guys. We are a first class processing service offering competitive rates. We care about our customers, their business and the bottom line.
YOUR ROAD TO PAYMENT SIMPLICITY
Your customers are demanding, but you’re up the challenge. Your job is to offer those customers with goods and services and experiences that surprise and delight. That’s enough work for a lifetime—you don’t also have time to become an expert in the world of payments. That's where Your Merchant Guys comes in to make the process as seamless and simple as possible.
FAST, SECURE PAYMENTS
Our lightning fast network delivers not only speed but ironclad encryption, PCI compliancy and security. Whether you’re selling in your shop, at a street fair or online, you can’t be worried about fraud. You need to know that payments are safe and secure.
ACCEPT PAYMENTS ANYWHERE, ANYTIME, ANYPLACE ...
Use a mobile credit card reader to accept payments on-the-go
Take payments anywhere your customers are with an easy-to-use mobile credit card reader that attaches directly to your smartphone or tablet. It’s the perfect add-on to a stationary credit card terminal or POS, and it’s a great stand-alone option for certain small business ventures and service providers.
How mobile card readers work
Mobile card readers allow a user to process payments without traditional payment hardware like a credit card terminal or point of sale (POS) system, and in some cases, without a merchant account.
THE HARDWARE
The hardware components of smartphone readers can vary. Some are basically a magnetic stripe reader that plugs into the audio jack or charging port of a smartphone or tablet. The user swipes the card through the magnetic stripe reader to enter the card info into the associated app on the phone or tablet.
Others connect the card reader to the phone and app via Bluetooth technology. The user pairs the device to the phone and then swipes the card.
Newer mobile card readers also use a chip reader to meet the EMV standard for fraud prevention when accepting cards with an embedded data chip. This version substitutes the magnetic stripe reader with a chip “dip” slot. When accepting a chip card, the user inserts the card into the device and leaves it during the transaction instead of swiping.
Mobile card readers are generally programmed to work with a specific payment provider. It’s a good idea to pick your payment partner, and then get the reader device, since a device you buy independently isn’t guaranteed to work with your chosen provider.
THE SOFTWARE
The software is generally accessed via mobile app. The user opens the app, enters a dollar amount to be charged in the sale total field, and swipes or dips the card to process the payment.
Then, the user is asked to sign their name (with a finger or a stylus) right on the phone or tablet, and may have the option to request a printed or emailed receipt.
Most providers charge for the device, not the app. But some will require a merchant account in order to process payments. All options have associated payment processing fees. Read along for more details about the costs.
Mobile payment card readers have a lot to offer.
Between their versatility, their mobility, and their small size, mobile card readers are a powerful addition to payments technology. There isn’t just one type of merchant who uses mobile card readers. Different types of businesses have different uses for mobile card readers.
BRICK & MORTAR ESTABLISHMENTS
Businesses that have a physical brick and mortar location have several uses for tablet and smart phone card readers.
New businesses with an unknown transaction volume amount - This type of merchant may be hesitant to purchase expensive POS equipment and enroll in a merchant services account since they’re just getting started. They may need all of their cash to fund other start-up costs like inventory and space rent. A mobile reader is a great stop-gap solution for hesitant and/or brand-new merchants. It will allow the merchant to capitalize on the benefits of credit card acceptance without much risk or upfront investment. It can also help establish a base-line of transaction frequency and volume that can come in handy during rates negotiations for a longer-term solution down the road.
The small operator - An established merchant with a known average sales volume and a steady credit card transaction history may determine that the low cost and simplicity of mobile card payments is a good long-term solution. This type of merchant likely doesn’t have a need for other business technology solutions that POS systems provide like inventory control, employee scheduling, and customer loyalty programs. With modest sales volume, manually reconciling cash with the credit card receipts isn’t a time-consuming burden for this merchant.
Established businesses with a tethered POS system - Some businesses with a brick and mortar location already have a POS system or credit card terminal, but occasionally do business away from their physical business storefront or restaurant. Consider seasonal events like street fairs, off-site concerts, road shows, or other special events. Before mobile card readers, these types of events required cash-only sales, which can greatly reduce overall revenue. With a mobile card reader, the business can take a credit card payment away from their brick and mortar location with no hassles.
The homebased business owner - A homebased business owner using a mobile smart phone card reader likely doesn’t have the kind of business model and/or sales volume that requires a brick and mortar storefront, employees, or cash register. They want to take credit card payments once in a while, without the hassle of establishing a standard merchant account and stationary payment system. And they aren’t worried about scalability at this stage.
The service provider - Service providers may be a mix of the above merchant types. They can be homebased, or working out of a physical location; they might have low sales volume with high dollar tickets, or any other combination of factors. They’re worth calling out separately because of the likelihood that they’ll need to take a payment away from their business office, or they may operate entirely without a centralized business office.
Why Your Merchant Guys
Focused Results, Excellent Rates, No Hidden Fees, Combined With World Class Service!
Personal Service
There is nothing more frustrating then needing solutions and getting an automated response when you need to talk to a real person. We won't have you pushing buttons to get to who you need to talk to. You call, a real person answers. We care about the service we provide to our customers.
Transparent Rates & Fees
There are multiple charges associated with each credit card transaction. We help you understand the whole fee structure, ensuring that you are using the best platform for for your business success.
Business Services For Growth
Grow your business with our data-driven solutions; helping you conduct more commerce and get more payments. Our comprehensive tools and practices will help improve your business with insights and options not found elsewhere.
Security Is Paramount
In today's bussling electronic market securing and assuring your business, and your customers is paramount. We utilize advanced fraud and protection services designed by big problem solvers so you can rest easy and focus on growing your business.
