Merchant Services

Accept payments anytime, anywhere. From in-store terminals to online checkout, we provide secure payment processing solutions tailored to your business.

1.59% Rates Starting At
24hr Fast Funding
100+ Payment Types
Merchant Services

Accept Every Way to Pay

From traditional cards to digital wallets, we process all major payment types.

Visa

Mastercard

American Express

Discover

Apple Pay

Google Pay

Payment Solutions for Every Business

RETAIL

In-Person Payments

1.59% + $0.10
  • Countertop and wireless terminals
  • Contactless/NFC payments
  • Chip card and swiped transactions
  • Receipt printing and email
  • Inventory management integration
Get Started
E-COMMERCE

Online Payments

2.29% + $0.30
  • Payment gateway integration
  • Shopping cart plugins
  • Recurring billing options
  • Fraud protection tools
  • Mobile-optimized checkout
Get Started
ON-THE-GO

Mobile Payments

2.29% + $0.10
  • Mobile card reader included
  • Accept cards anywhere
  • Digital receipts
  • Inventory tracking
  • Customer management
Get Started
KEYED-IN

Virtual Terminal

2.59% + $0.30
  • Process payments from any computer
  • MOTO (mail order/telephone order)
  • Invoice by email
  • Customer vault storage
  • Recurring billing
Get Started
ALL-IN-ONE

Omnichannel Processing

Custom pricing
  • Unified reporting across channels
  • Customer data synchronization
  • Inventory sync across stores
  • Buy online, return in-store
  • Dedicated account manager
Contact Sales

* Rates based on monthly volume and average ticket. Custom quotes available for high-volume businesses.

Payment Terminals & Hardware

Choose from a range of terminals designed for your business type.

Countertop Terminal

Countertop Terminal

Ideal for retail stores and restaurants

$299 or $9/mo
  • Fast chip and contactless
  • Receipt printer included
  • Ethernet or Wi-Fi
Mobile Terminal

Mobile Terminal

Perfect for restaurants and events

$199 or $5/mo
  • Wireless and portable
  • Long battery life
  • Receipt printing optional
Mobile Card Reader

Mobile Card Reader

For smartphones and tablets

$49 one-time
  • Plug into headphone jack
  • Bluetooth option available
  • Works with mobile app
Tap Terminal

Tap & Pay Terminal

Fast contactless payments

$349 or $12/mo
  • Tap, chip, and swipe
  • Large color display
  • Built-in receipt printer

Free Terminal Offer

Get a free countertop terminal when you sign up for merchant services and process $5,000 in the first 90 days.1

Why Choose Ashmore Trust Merchant Services

Next-Day Funding

Get your money fast with next-business-day settlement on all transactions.

EMV & PCI Compliant

Fully compliant with the latest security standards to protect your business.

24/7 Support

Dedicated merchant support line available around the clock.

Reporting & Analytics

Detailed transaction reports and sales analytics in your online portal.

Integration Partners

Works with QuickBooks, Shopify, WooCommerce, and more.

Interchange Plus Pricing

Transparent pricing with pass-through interchange rates.

Compare Pricing Models

Features Interchange Plus BEST VALUE Tiered Pricing Flat Rate
How It Works Interchange cost + fixed markup Bundled rates by card type Single rate all transactions
Swiped/Chip Rate Interchange + 0.10% + $0.05 1.79% + $0.20 (qualified) 2.29% + $0.10
Keyed-In Rate Interchange + 0.15% + $0.10 2.49% + $0.30 (mid-qualified) 2.59% + $0.30
Online Rate Interchange + 0.15% + $0.15 2.69% + $0.30 (non-qualified) 2.59% + $0.30
Monthly Fee $9.95 $19.95 $0
Transparency Highest - see actual interchange Low - rates vary by card Medium - simple but higher
Best For High volume, all business types Small businesses Micro-businesses, startups

Detailed Service Information

Pricing & Fees - Complete Details

We offer transparent pricing with no hidden fees. Choose the model that works best for your business.

Interchange Plus Pricing (Recommended):

  • Swiped/Chip: Interchange + 0.10% + $0.05
  • Keyed-in: Interchange + 0.15% + $0.10
  • Online: Interchange + 0.15% + $0.15
  • Monthly Fee: $9.95
  • PCI Compliance Fee: $19.95/quarter
  • Annual Fee: None
  • Cancellation Fee: None

Additional Fees:

  • Chargeback Fee: $25 per occurrence
  • Monthly Minimum: $25 (waived if fees exceed)
  • Equipment Lease: Starting at $19.95/month
  • Gateway Fee: $14.95/month (online only)
Hardware Options - Complete Details

Choose to purchase or lease your payment terminals. All equipment comes with warranty and support.

Purchase Options:

  • Countertop Terminal: $299 one-time
  • Mobile Terminal: $199 one-time
  • Card Reader: $49 one-time
  • Tap Terminal: $349 one-time

Lease Options (36 months):

  • Countertop Terminal: $9/month
  • Mobile Terminal: $5/month
  • Tap Terminal: $12/month
  • Bundle (2 terminals): $15/month

All terminals include free technical support and warranty. Leased equipment can be upgraded at any time.

Software Integrations - Complete Details

Our payment gateway integrates with leading e-commerce platforms and POS systems.

E-Commerce Platforms:

  • Shopify / Shopify Plus
  • WooCommerce (WordPress)
  • BigCommerce
  • Magento / Adobe Commerce
  • Squarespace
  • Wix

POS Systems:

  • Clover
  • Square
  • Toast
  • Lightspeed
  • Vend

Accounting Software:

  • QuickBooks Online
  • QuickBooks Desktop
  • Xero
  • FreshBooks

Frequently Asked Questions

How long does it take to get set up?

Most businesses can be approved and processing within 2-3 business days. Equipment can be shipped overnight if needed. Online payment gateway integration can be completed in as little as 24 hours with our developer-friendly APIs and plugins.

When do I get my money?

Funds are typically deposited into your business checking account within 1-2 business days. Next-business-day funding is available for qualifying businesses. Weekend and holiday transactions process on the next business day.

What types of businesses can apply?

We work with most business types including retail, restaurants, e-commerce, professional services, healthcare, and non-profits. Some high-risk industries may require additional underwriting. Contact us to discuss your specific business type.

Is there a contract or cancellation fee?

We offer month-to-month service with no long-term contracts and no cancellation fees. Equipment leases may have separate terms if you choose to lease rather than purchase. You're free to switch or cancel at any time.

What is PCI compliance and do I need it?

PCI compliance refers to Payment Card Industry Data Security Standards. All businesses that accept credit cards must be PCI compliant. We provide tools to help you maintain compliance, including quarterly self-assessment questionnaires and vulnerability scans. Non-compliance can result in fines.

Ready to Start Accepting Payments?

Get a free quote today or speak with a merchant services specialist.

Get Started Request Quote

1 Free terminal offer: Available to new merchant services customers who sign a processing agreement and process $5,000 in eligible transactions within first 90 days. Terminal model determined by bank. Limit one per business. Offer subject to change.

Rates shown are estimates and may vary based on business type, volume, and average ticket size. Interchange rates are set by card brands and subject to change. All merchant accounts subject to approval.

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