PDQuick Merchant Solutions for Your Business

 Merchant services refer to a suite of financial services designed to help businesses accept and process payments. These services typically include:

• Payment Processing 
• Point of Sale (POS) Systems 
• Merchant Cash Advances or Business Funding 

Among these, payment processing is the most widely used, followed by POS systems and, to a lesser extent, business loans and funding solutions.

A Merchant Services Provider (MSP) is a company that offers one or more of the above services to businesses. While not all MSPs provide business funding, most offer payment processing and POS systems.

MSPs act as intermediaries between the merchant’s bank and the customer’s bank. They supply the equipment and technology—such as credit card terminals, mobile readers, or software integrations—needed to accept payments via:

• Credit and debit cards 
• Checks 
• ACH (Automated Clearing House) transfers 

During a transaction, funds move from the customer’s bank to the merchant’s bank via the MSP. Depending on the transaction type and provider, this process typically takes 12 hours to 3 business days. 

Credit Card Processing:

This core service enables merchants to accept card payments via terminals, POS systems, or virtual terminals. Virtual terminals are web-based and can offer additional features like recurring billing and card storage.

Payment Gateways & eCommerce Processing:

Payment gateways connect two parts of a payment system, such as an online store's shopping cart and the merchant's payment processor. They’re essential for e-commerce and sometimes required for POS systems as well.

Virtual Terminals:

Virtual terminals allow businesses to accept card payments through a computer or online dashboard—ideal for phone or remote orders. Many also support recurring billing and tokenized card storage.

Offer credit, debit, mobile, and online payments to meet customer preferences and avoid missed sales. If you have an FNS number, you can accept EBT payments too.

 Flexible payment options attract more customers and increase the likelihood of purchase. 

Secure payment systems show professionalism and build long-term customer confidence.

Quicker access to funds and efficient processing reduce payment delays and improves cash management.

Eliminate the risk of bounced checks with secure card and electronic payments.

Faster, more convenient payment options result in better service and increased loyalty.

 Merchant services often include reporting tools that help track sales trends, customer habits, and inventory levels. 

Modern systems include fraud protection and encryption to safeguard your business and customer data.

e-Commerce capabilities allow businesses to reach new markets and grow revenue online.

Integrations with POS and accounting software automate transaction recording, reduce errors, and streamline operations.