Merchant Services | Merchant Payment Services for Small Business  – Charleston, South Carolina

“Merchant Payment services” is a term whose meaning includes a broad range of services related to payment processing.  Credit and debit card processing, payment gateways, business statistics and reporting are just a few examples.

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Credit and Debit Card Processing

The most basic merchant service would have to be credit card processing.  We help you accept credit or debit cards with low transaction fees.  We establish a relationship with all major acquiring banks so that payments quickly appear in your merchant bank.

Payment Gateways

Payment gateways are used by online stores and retailers to securely handle payment transactions.  This service is built into the website of your business.  We specialize in hiding the gateway code in the back end of your website, so your theme and content is not disturbed. More information about payment gateways can be found at Wikipedia:

IP Terminals

There are two types of IP terminals, either wired or wireless.  A wireless connection may not be as reliable as a wired connection.

Online Transaction Processing

Processing transactions online may be done by a payment gateway through the back end of a website or integrated directly into an app for mobile transaction processing.

Point of Sale (POS) Systems or Mobile Point of Sale (mPOS) systems

A POS system is another name for an IP Terminal, while a mPOS refers to online transaction processing through a smart phone or tablet.
Payment Reporting and Analysis
Most modern POS systems or mPOS systems come pre-packed with analytics and other resources to help you monitor the status of your business.


All of these services come with their own pricing and fees.  When you choose Merchant Cooperative, we will work with you to find the very best fit for your company with the lowest fees.

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