Merchant Services

Cut Fees.
Scale Faster.
Stay Sharp.

Merchant Samurai arms your business with every payment weapon it needs — credit cards, crypto, ACH, online invoicing, and API integrations. One partner, zero compromises.

0%
Processing fees possible
with cash discount
50+
Hardware &
platform partners
24h
Same-day or next-day
funding available
What We Offer

Every Way Your Customers Pay

From the countertop to the cloud, Merchant Samurai has the right processing solution for every channel and every business type.

Credit & Debit Processing
Visa, Mastercard, Amex, Discover — in-store, online, or on the go. Interchange-plus, flat rate, or cash discount pricing tailored to your volume.
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Crypto Payments
Accept Bitcoin, Ethereum, USDC, and more. Instant settlement to fiat or hold in crypto — your choice. Tap into a new wave of buyers who pay with digital assets.
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ACH & Bank Transfers
Low-cost ACH processing for recurring billing, B2B invoices, and large-ticket transactions. Reduce interchange fees on high-value payments significantly.
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Online & E-commerce
Hosted payment pages, embeddable checkout forms, shopping cart plugins, and gateway integrations. Sell anywhere on the web with a secure, conversion-optimized flow.
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Invoicing & Recurring
Send professional payment-enabled invoices by email or SMS. Set up subscriptions, installment plans, and autopay with full customer management built in.
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API & Developer Tools
RESTful APIs, webhooks, and SDKs for custom integrations. Build payment flows directly into your software, platform, or mobile app with full developer documentation.
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Hardware & Platform Partners

The Best Names.
All in One Place.

We partner with the industry's leading terminal and POS brands so you always get the hardware that fits your operation — not just what we happen to carry.

Square
Clover
PAX
Dejavoo
Valor PayTech
SkyTab by Shift4
SwipeSimple
accept.blue
Authorize.net
USAePay
NMI
Fiserv

Find Your Perfect Terminal

From countertop terminals to full POS systems, we'll match you with the right hardware for your volume, environment, and software stack.

PAX A920Pro smart terminal
A920Pro
PAX
Hover a model to preview it · click for specs
Dejavoo QD2 Android mobile POS terminal
QD2
Dejavoo
Hover a model to preview it · click for specs
Valor VL100 Pro countertop terminal
VL100 Pro
Valor
Hover a model to preview it · click for specs
Clover Flex handheld terminal
Flex
Clover
Hover a model to preview it · click for specs
Square Terminal all-in-one card machine
Terminal
Square
Hover a model to preview it · click for specs
+
More Available
Ask us →
Why Merchant Samurai

Precision Over Everything.

We're not a bank. We're not a software company. We're payment specialists who obsess over one thing: lowering your cost of accepting money.

01
Transparent Pricing
Interchange-plus and cash discount programs with no hidden fees, no surprises on your statement, and no lock-in contracts.
02
Every Processor, One Rep
We work with all the major processors and brands. You get the best fit for your business — not whoever pays us the highest referral fee.
03
Cash Discount Ready
Compliant zero-fee programs available. Eliminate processing costs entirely while staying on the right side of card brand rules.
04
Fast Funding
Same-day and next-business-day funding options. Your cash flows when you need it — not two or three business days later.
05
High-Risk Approved
We place businesses other processors turn away. CBD, firearms, nutraceuticals, and other high-risk verticals — we have the banking relationships to make it work.
06
Real Human Support
One direct contact. No call centers, no ticket queues. When something's urgent, you reach a person who knows your account.
Our Story

About Us.

Miles and Chris Choong, the brothers who founded Merchant Samurai, wearing black polos with the gold Merchant Samurai logo
Miles Choong
Co-Founder
Chris Choong
Co-Founder

Merchant Samurai was founded by two brothers who came up through the trades: job sites, service calls, and family-run shops where a handshake still meant something. That background shaped everything about how we do business: show up on time, do the work right, and treat people the way you'd want your own family treated.

Over the years, we watched the small businesses in our communities — the ones that sponsor the little league team and know their customers by name — get left behind by technology the national chains take for granted: clunky systems, hidden fees, and contracts written to protect the processor, not the merchant. We saw the gap, and the chance to close it.

So we started Merchant Samurai — the same caliber of payment infrastructure the big chains rely on, from processing and modern POS hardware to secure online gateways and integrated tools, built and priced for the independent operator. No jargon, no surprises, and a real person on the other end of the phone.

We're not here to sell you a terminal and disappear. We're here to help you run leaner, get paid faster, and compete on a level field. Because when small businesses grow, communities grow with them.

What are your current rates?

Send us your last three statements. We'll do a free fee audit and show you exactly where you're leaving money on the table — no obligation.

Get Your Free Audit →
Client Results

Merchants Who Made the Switch

★★★★★
"Switched from Square to a cash discount program through Merchant Samurai. We're saving over $800 a month and the terminal swap was completely painless."
Maria G.
Nail Salon Owner, Orlando FL
★★★★★
"Finally a rep who explained everything clearly. The crypto option was a big deal for my client base. Setup took less than a week."
Devon T.
Specialty Retailer, Miami FL
★★★★★
"They got my high-risk account approved in four days. I'd been turned away by three other processors. Merchant Samurai just got it done."
Javier L.
E-commerce Merchant, Tampa FL
Get Started

Let's Find Your Best Rate.

Tell us about your business and we'll put together the right solution — including a side-by-side comparison of what you're paying now vs. what you could be paying.

📍
Locations We Service
U.S. · Canada · International (Crypto)
📞
Call or Text
What Happens Next

You'll hear back from a real person within one business day. We'll ask a few questions about your volume and setup, then come back with a clear recommendation — and if switching doesn't save you money, we'll tell you that too.