Merchant Total

Credit Card & ACH Payment Processing

Seamless payments, simplified.

Whether you’re accepting credit cards online, in person, or via recurring ACH, MerchantTotal delivers the reliability and speed your business depends on. Our platform ensures smooth customer experiences, faster settlements, and the flexibility to grow without disruption. From API integrations to tailored rate structures, we make payment acceptance effortless and secure.

Why Our Payment
Processing Solutions?

Fast Setup

Start accepting payments quickly.​

Chargeback Protection

Reduce disputes and protect your revenue.

Global Coverage

Domestic and international banking solutions.

Dedicated Support

One-on-one account management that lasts.

Seamless Credit Card & ACH Processing — Built for Every Transaction

Whether you’re collecting payments once or on a recurring basis, MerchantTotal delivers a smooth, secure processing experience. Our platform supports credit card, ACH, and e-Check transactions with the same reliability and speed — helping you get paid faster while reducing friction for your customers. With advanced fraud protection, transparent pricing, and real-time reporting, you’ll have complete visibility and confidence in every transaction. From online checkout to invoicing and direct payments, MerchantTotal makes accepting funds effortless and dependable.

Industries We Support

If you’ve been turned away before, we’ll help you find the right path forward.

Supplements

Adult

CBD

E-commerce

Coaching

Travel

Memberships

Tech Support

Many More

Partner with Merchant Total

Partnering with MerchantTotal means gaining a trusted payment ally that prioritizes stability, transparency, and long-term growth. With our advanced credit card, ACH, and e-Check solutions backed by strong banking relationships, you’ll enjoy faster settlements, fewer disruptions, and seamless support every step of the way.

Frequently asked questions

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Let's Talk

Or simply fill out our contact form and we’ll get back to you as soon as possible.