Targeted Merchant Solutions is committed to offering the innovative technology solutions developed for an array of business challenges. We understand that no two businesses are the same. Therefore, we provide merchants the solutions and corresponding technology that will allow for continued growth and success. Your business goals are important–that’s why Targeted Merchant Solutions provides solutions to simplify your business with credit card processing and more.

Credit Card Processing

Millions of consumers use credit cards to buy goods, and services because using cards is such a simple process. However, accepting credit cards is not as simple a process—a fact to which many small business owners can attest. The credit card processing industry has historically made it difficult for small business merchants to navigate the whole process.  It’s hard to know what they’re getting into, and they soon find themselves dealing with surprise fees, unfair contracts, and a lack of transparency. Small business owners who have never accepted credit cards before can be bamboozled this way by aggressive salespeople. Often times business owners get talked into paying exorbitant fees for services that turn out to be unnecessary.

Luckily for merchants, fair-minded processors are emerging that tout transparency, fair fees, and good customer service. This is true especially for online “e-tailers,” but also for small brick-and-mortar operations. There are Point-of-Sale (POS) System startups, such as Square, and subscription services such as Helcim, and even retailers such as Sam’s Club are getting involved.

Whether you need payment processing on the street or online, accepting credit cards and processing payments are still complicated, though. This is due to the sheer number of moving parts inherent in this aspect of merchant services and mobile payment processing. It’s also due to all of the various entities involved. Since rates and contracts vary by customer, it’s difficult to make a direct comparison between these providers.

In this roundup, we researched some of the most popular credit card processors on the market, and consulted with experts in the field at CardFellow and FreedomPay to determine how to choose a provider. We also interviewed the 10 processors featured here—Cayan,, Flagship Merchant Services, Intuit QuickBooks Payments, National Bankcard, Payline Data, Payment Depot, Sam’s Club Merchant Services, Square Point of Sale, and Editors’ Choice Helcim—to get demonstrations and clarify details about their fees and features. Finally, we looked at user reviews and ratings from the Better Business Bureau (BBB) to get a sense of customer service and reliability.

Common Questions

What are Merchant Services?

Merchant services enables your business, to process credit cards, debit cards, gift cards, and electronic check transactions. A typical Merchant Accounts is approved the same day.

What choices do I have to process Credit Cards?

  • Counter-top Terminal
  • Internet Gateway / Virtual Terminal
  • Mobile processing capabilities via Smartphone, Tablet and Laptop
  • Personal Computer
  • Restaurant / Retail Software Systems
  • Multi Location / Multi Merchant
  • Recurring Customer Billing

Which credit cards should I accept?

Visa, Master Card, Discover and American Express are the most popular forms of credit cards. There are also other branded cards that you may want to consider depending on your business. Our services allow you to offer and accept Gift/Loyalty Cards.

What exactly are chip cards?

Chip cards go by many names, including smart cards, smart-chip cards, chip-enabled smart cards and EMV (Europay, MasterCard and Visa) cards, to name a few. What they all have in common is a small, metallic square, or chip, on them. The chip cards differ from traditional magnetic strip cards in important ways. Magnetic strip cards contain sensitive information about you. If someone steals that card, the thief can take advantage of the data stored in the card to make fraudulent purchases because the data is unchanging. In contrast, chip cards create unique transaction codes each time they are used to make a purchase. Each code can only be used once. So if a thief tried to use that data again, they’d be
out of luck.

How much can you save me over my current processing fees?

Each business is unique. Our Company focuses not on only saving you money but making your processing effortless. We have many programs that will not only save you money, but make reporting less time consuming. We will look at your business and your processing needs and design a program that is right for your business.

What sets Targeted Merchant Solutions apart from other credit card processing companies?

Personalized service. We work with you in every aspect from pricing, equipment, reporting and future outlook for your business. Our office is fully staffed by Humans, there to quickly answer questions and assist you.