Traditional Credit Card Processing
Reliable. Transparent.
Built for St. Louis Businesses
As an independent broker, we work for you — not the processor. That means we compare options across multiple national processing platforms to find the best fit for your business model, volume, and industry.
For more than 20 years, St. Louis Merchant Services has helped businesses across the Greater St. Louis area accept credit cards with confidence. Whether you run a retail store in St. Charles, a restaurant in Clayton, as far as Springfield, IL, we help you secure competitive pricing and dependable processing — without the headaches.
why choosing us
Why Traditional Processing Still Makes Sense
Traditional credit card processing is ideal for businesses that want:
Interchange Plus pricing
Clear wholesale pricing with a small markup — no inflated tiered rates.
Straightforward monthly statements
Easy-to-read statements so you always know exactly what you’re paying.
No contracts or cancellation fees
Stay because you want to, not because you’re locked in.
Transparent Rate Structures
Upfront pricing with no hidden fees or surprise increases.
Secure, Compliant Transactions
EMV-ready and PCI-compliant processing to protect your business and customers.
No equipment leases
Own your equipment outright — no long-term leasing traps.
Solutions for Every Industry
We proudly serve businesses throughout the St. Louis Metro Area, including:
We help you choose the right way to capture payments:
We also offer a Free Equipment Program for qualifying businesses!
What You Can Expect
When you partner with St. Louis Merchant Services, you receive:
