What is proMerchant?

Boston-based proMerchant offers credit card processing for most standard-risk business types. In August 2021, they were acquired by food ordering company Waitr. The executives leverage their extensive payment processing expertise to ensure clients get set up with the right rate plan and processing system to yield the highest degree of savings and success.

ProMerchant prides itself on offering merchants best-in-class service, care and support. They believe it is essential to have a complete understanding of their client’s businesses as it is key to providing a successful service. This is why they allocate a dedicated team to assist and support each client.

Month-to-month contracts and no early termination fees sets proMerchant apart from their competitors. proMerchant offer same-day account set-up through an online application and overnight delivery of equipment. They don’t charge any set-up or application fees either. This combination of features is ideal for brand new companies or individuals who do business intermittently, such as pop-up stores or people who sell merchandise at festivals and art fairs.

In current market most merchants don’t have the luxury of choosing between different fee rating options, but ProMerchant accommodates the choice between flat monthly fees and fixed rates to serve a broader range of businesses. Their Interchange Plus Fixed Rate is a low-cost plan where the Interchange rates that Visa and Mastercard charge is broken down with the best ones that apply to the merchant’s type of business. The low percentage rate and transaction fee added on top of the Interchange, are fixed. Flat Rate Pricing plan on the other hand eliminates any variation in rates and presents merchants with one fixed rate for any and all credit cards. Merchants can also opt for an extension of this plan that reduces overall credit card processing fees down to 0%.

The company has flexible payment processing options that works even for high-risk businesses that don’t usually get accepted by other providers, like debt consolidation companies. proMerchant has a network of 12 high-risk service providers for merchants that are well-known for having lots of credit card chargebacks.

proMerchant can also equip you with the appropriate terminal and equipment as required by your business. You can choose from POS system to virtual terminals for online payments. If you don’t want this free terminal placement solution, you can purchase the equipment of your choice instead.

proMerchant doesn’t offer a free trial and that could be due to the fact that their contracts are month to month. There may not be a pressing need for a trial given you can cancel at any time.


What popular features do you get with proMerchant?


  • Free terminal placement program
  • Flexible pricing options to choose from
  • Fraud mitigation tools for high-risk merchants

  • Personalized customer support for each client
  • EMV-compliant, Bluetooth-connected mobile card reader available
  • Shopping cart and payment gateway integrations

  • MX Merchant Express app in conjunction with an EMV-compliant card reader available for mobile payments
  • Low-cost rates
  • Clover hardware

Customer Support is available at proMerchant

proMerchant have a dedicated customer support that is available 24/7. You can contact a representative via phone on 1-888-712-3316 or send them an email using the online contact form found on their site. After you sign up, a dedicated team is allocated to they offer personalised support and advise unique to your business needs. They can help you set up or trouble shoot any issues with the system.

What kind of business is proMerchant ideal for?

ProMerchant is a good option for a host of industries that want to take advantage of the flexible pricing options offered by the company. It works for brick and mortar establishments such as restaurants and retail shops as well support online payments, e-commerce integrations, phone and mail orders.

ProMerchant offer solutions with fraud mitigation tools for high-risk merchants like include airlines, credit repair, charities, employment agencies and insurance, making them a reliable merchant service provider. They are also suitable for intermittent businesses such as outdoor festivals, convention sellers and pop up merchants which need to get set up quick.

proMerchant works well for small to medium businesses as their contracts are not complicated and you can sign up on a month to month basis. Their fee structure is easy to understand and the interchange fees and percentage rates of each transaction are deducted daily from transactions processed.

Pros and Cons

  • Month to month contract
  • No set up fees or application costs
  • No cancellation fees
  • Free equipment placement
  • Interchange-plus or subscription-based pricing options available
  • EMV-compliant, Bluetooth-connected mobile card reader offered
  • Free equipment placement
  • Personalized and dedicated support team


  • No ACH Processing offered
  • Pricing is not disclosed online and you will need a quote to get estimates.

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How much does proMerchant cost?

*based on information provided by the vendor. Actual cost may vary.

ProMerchant has two separate pricing plans rather than offering a tiered pricing structure:

Interchange Plus Fixed Rate Plan

  • Fixed transaction fee
  • Fixed percentage rate
  • Swiped Rate: Interchange + 0.5% + $0.15
  • Keyed-In Rate: Interchange + 0.5% + $0.15
  • Virtual Terminal Rate: 2.90% + $0.30

Interchange Plus Flat Monthly Fee
(Suitable for merchants taking in at least $15,000 monthly in transactions)

  • Fixed all-inclusive monthly fee – not disclosed

Other prominent charges:

  • Payment Gateway Fee is $25 monthly
  • No Early Termination fees
  • No set up or application fees
  • No equipment placement fees

Final thoughts...

ProMerchant offers a variety of credit card payment processing options with up-front pricing plans to suit your specific business needs. It specializes in robust solutions for a wide range of merchants including those in high-risk industries. It is suited to small business owners especially in the retail, restaurant and food services, mobile services, or phone and mail-order industries. Month-to-month billing, interchange-plus pricing and a dedicated 24/7 support team put them ahead in the market. The pricing is not clearly stated on their website so it is recommend to get a quote and compare it to what other providers can offer your business.