Unlock Seamless Payment Solutions
Reliable merchant accounts and payment processing built for your business.
Comprehensive Billing Solutions
Reliable merchant accounts and global payment options — Credit Card, ACH, Crypto, and specialized High‑Risk programs.
High‑Risk
- Experienced & Reliable: Clear insights to help you make confident decisions.
- Chargeback Prevention: Robust fraud detection system maintains account.
- Dedicated Bank Account: Specialized bank account built for ACH processing.
International Payment Processing
- Multi‑Currency Support: Accept payments in all major currencies with real‑time FX conversion.
- Global Banking Network: Partnered with international banks for fast, secure settlements.
- Cross‑Border Compliance: Navigate regional regulations and stay fully compliant worldwide.
Credit Card & ACH
- Fast & Secure Transactions: Lightning‑fast processing with built‑in fraud and chargeback protection.
- Transparent Pricing: Simple, predictable rates with no hidden fees or surprise markups.
- Easy Integration: Plug into major CRMs, invoicing tools, and e‑commerce platforms instantly.
Crypto Payments
- Major Assets Support: BTC, ETH, and leading stablecoins like USDC/USDT.
- Auto‑Conversion & Settlement: Settle to USD or stablecoins with configurable rules.
- Chargeback Immunity: On‑chain finality removes traditional card chargebacks.
How it works
Contact us by completing our form and sharing your processing requirements.
Submit your application for review to match with the right banking partner.
Install our checkout snippet or connect through API, plugin, or hosted page.
Start accepting payments across Crypto, ACH, Credit Card, and more.
Funds are automatically settled in your preferred currency or wallet.
From the blog
Payments, risk, and growth tactics from the MerchantTotal team.
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Get started with Credit Card & ACH
Tell us about your products and expected volumes; we'll match you to the right acquiring bank.
By submitting, you agree to MerchantTotal’s terms & privacy policy.
Frequently asked questions
BTC, ETH, and major stablecoins like USDC and USDT. Additional chains on request.
Choose USD bank settlement or crypto settlement. Auto‑convert rules let you keep a % in crypto.
Yes. Create a refund from your dashboard; funds are returned on‑chain to the customer.
We support KYB/KYC, AML screening, and Travel Rule data exchange with partner providers.
Yes—drop‑in checkout, copy/paste snippet, or full REST API & webhooks for custom flows.
On‑chain payments are final. Standard card chargebacks do not apply.