Do an online search for "Merchant Services", and you'll find THOUSANDS of companies offering "low rates" to try to earn your business.  When it's all said and done, there are only a handful of companies in the United States that have the network services to provide two basic functions: authorization, and settlement.

​

Some of the major processing networks (acquirers) are:

 

 

 

 

 

 

 

 

 

 

 

 

The way they make their profit varies from company to company, and from account to account. Here's the bottom line: merchant services providers often compete on their ability to "lower your rate"... but all things being equal, "rate" is no less a measurement of processing services than pounds is a measurement of height. The true measurement is MARKUP- or the nine-word question that SōBōNet has been teaching its clients since 2017: How much money are you making on my business?

​​

Here's some other valuable questions that are almost never asked:

• What processing network will you actually be on?

• What can you do to increase data security and protect my company?

• What services will I receive for the money I'm are charged each month.

​

Otherwise, how comfortable do you feel walking across the bridge built by the lowest bidder?

​