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Payment Solutions

At St. Louis Merchant Services, we help local businesses accept payments smarter — without hidden fees, long contracts, or out-of-town support teams.

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Modern Technology

Accept payments anywhere your customers are:

  • EMV chip & contactless
  • Tap-to-pay (Apple Pay & Google Pay)
  • Online checkout and payment gateways
  • Mobile payments & payment links
  • Smart POS systems & terminals
  • Table-side Processing

Transparent Pricing

No teaser rates. No confusing statements. No surprises. We offer straightforward pricing models including:

  • Traditional Processing
  • Interchange-plus Pricing
  • Dual Pricing Programs
  • Flat Rate Pricing

Fast & Secure

Fast, dependable processing that works every time, all the time.

  • Next-day funding
  • PCI compliant
  • Advanced fraud protection

Our Impact by the Numbers

Serving 15+ St. Louis counties with 25+ years of experience, supporting hundreds of local businesses and saving millions in processing fees.

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Low or No-Fee Processing

Credit card fees can quietly erode your margins. We offer solutions designed to reduce or offset processing costs while staying compliant and customer-friendly.

Our team will review your current statement and show you:

  • Where you’re overpaying
  • How to simplify your pricing
  • Options to lower or eliminate processing fees
  • Technology upgrades that improve cash flow
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Food & Beverage →

Payment Solutions Built for St. Louis Businesses

At St. Louis Merchant Services, we deliver secure, flexible payment solutions for businesses throughout the greater St. Louis area. From retail and restaurants to medical offices and service providers, we tailor credit card processing and POS technology to fit your needs — with local support and competitive pricing to help your business run smoothly and grow.

Retail & Storefront →
Professional Services →
Medical & Dental →
Automotive →
tap-to-pay
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online payments
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mobile terminals
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pos systems
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Simple. Secure. Supported.

  • Free equipment placement for qualified businesses
  • POS installation & training
  • Gateway & website integration
  • Recurring billing & invoicing setup
  • Ongoing account support
  • Continuous security monitoring to combat fraud

What St. Louis Businesses Are Saying

Hear directly from local business owners across the greater St. Louis area who trust St. Louis Merchant Services for reliable technology, transparent pricing, and responsive local support.

Always there when I need them.

I was skeptical to switch from my bank for my merchant services processor, but so glad I did. Their initial proposal was 15 perecent less than what I was paying with my previous processor and when the first statement came in, turns out I saved even more. The savings were over 20 percent. They are always there when I need them… much more helpful than my bank. St. Louis Merchant Services understands the credit card processing business better than anyone else. Thank you.

Julie B.

Very pleased.

The easiest and most accessible merchant service provider I have worked with. They are always just a phone call or e-mail away and will work to solve any issues you may have. We have been very pleased with their service.

Rick S.

The Best!

We have been in the jewelry business for over 30 years and have had different processing experiences, not many good ones. We went 3 years ago with St. Louis Merchant Services. Last year on the Sunday before Christmas we weren’t able to process cards. We hated contacting them on a Sunday, but it was our busiest time of year. Not only did one of the owners cancel their plans, but brought out a new unit and stayed at our store to make sure that we had no problem throughout the day. No bank or other processing company would ever do that type of service with the low rates on processing that they provide. In any of their services, you won’t be disappointed!

Michael M.

As a business owner, you deserve:

Transparent Pricing

& Cost Control

Every dollar counts. We review your current processing, compare major providers, and recommend the most cost-effective structure — including Interchange Plus options. No long-term contracts. No hidden fees. No surprises.

A Payments Advocate

For over 20 years, St. Louis Merchant Services has supported the St. Louis Metro area as an independent broker — not tied to one processor. We compare multiple providers to find the best fit for your business and protect your margins.

Payment Technology

That Fits

We serve retail, restaurants, automotive, nonprofits, and more. From terminals and POS systems to online gateways and mobile payments, we match you with the right tools for how your business operates.

Support That Doesn’t Disappear

We stay involved after setup. Our merchants receive PCI support, next-day funding options, technical assistance, and reliable customer service — so you can focus on running your business.

Contact Us

Request your free savings analysis today.

Request your free consultation now.

Call Us Direct:

(636) 232-5097

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Services

  • Credit Card Processing
  • Fee-Free Processing
  • Online Payments
  • POS Systems
  • Mobile Terminals
  • Tap-to-Pay

Address

  • (636) 232-5097