Online Credit Card Processing: All-In-One Payment Processing Solutions

Meet Seamless Merchant: The last merchant account you'll ever need for payments.

Our custom solutions and streamlined underwriting process allow you to start accepting credit card payments today.

No matter what your payment needs, we provide smart credit card processor solutions for all legal businesses.

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Merchant Services Tailored to Your Business

We’re trusted and loved by customers

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Merchant Maverick
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The Last Merchant Relationship You'll Ever Need


Industry Experience

Our founders have more than 30 years of experience in the payment processing industry.


Payment Expertise

We've provided secure payment solutions for thousands of high-risk merchant accounts.

Unique Relationships

Unique Business Relationships

Our 25+ bank relationships allow our merchants to enjoy flexibility, security, and choice with their payments.

The Seamless Merchant Advantage

No Contracts or Setup Fees

No Payment Contracts or Setup Fees

Enjoy hassle-free onboarding and fast approvals with our online app and eSign.

White-Glove Experience

White-Glove Experience

Get direct access to your dedicated account manager via Phone, Skype, or Slack.

Higher Transaction Approval Rates

Higher Transaction Approval Rates

Never miss another sale to potential customers due to unnecessary declines or low transaction approval rates.


Credit Card Payment Scalability

Grow your checking account each month without worrying about held funds or volume caps with your payments.

Flexible Reserve Terms

Flexible Reserve Terms

Conduct your business confidently knowing that our support team will be here for you when hiccups happen with the payment terminal or your account.

Direct Access to Risk

Direct Access to Risk

Make more strategic business choices with direct access to experienced underwriting and risk decision-makers in the payments processing industry.

Want to get started with processing payments?

Start accepting payments today with Seamless Merchant

True Payment Processing Experts

What makes Seamless Merchant different from other solutions? Simple: we're payment processing experts.

When you partner with us, you onboard a team of professionals that truly understand the needs of high-risk merchants who process payments from customer credit cards.

In fact, we created SeamlessMerchant so high-risk, e-commerce, and B2B merchants can focus on growing their businesses and leave merchant processing to the pros.

Isn't it time for merchant processing services that actually work for you and your customers?

Jonathan Albert
Jonathan Albert
Co-Founder, Chief Revenue Officer
Douglas Kelsey
Douglas Kelsey
VP of Sales

Our Website Integrations

and many more...

Our 4-Step Account Setup

Consultation Call

Consultation Call

During this call, we seek to understand how you run your business and payments, your pain points, and your goals for the merchant processing relationship.

Underwriting Pre-Vet

Underwriting Pre-Vet

Next, we provide an in-depth explanation of how the business functions, as well as its financial strength, processing profile, and credit card processing needs.

Underwriting Submission

Underwriting Submission

We submit a full merchant package and address all underwriting questions and requests before setting final approval terms for our services.

Merchant Deployment

Merchant Deployment

Finally, we provision the merchant account, assign a merchant ID (MID), and deploy the right payment equipment/gateway.

For eCommerce

Accept credit cards and ACH payments online.

  • 25+ Banks: Our unique banking relationships allow us to get hard to place payments done.
  • Scalability: Grow your business as needed.
  • Flexibility: Return and Chargeback
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Accept credit cards and ACH payments online.
Leverage our user-friendly portal for simple online reporting and financial management.

For Retail Merchants

Leverage our user-friendly portal for simple online reporting and financial management.

  • Free equipment: Choose your terminal or low-cost payment gateway.
  • Zero Cost Processing: Pass your processing fees to your customers.
  • White Glove Service: Each merchant is assigned an account support rep that they can speak with over the phone, text, email, or through our web chat. We guarantee same-day responses.
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Industries Served

Our bank relationships allow us to serve low- and high-risk businesses alike, as well as large and small business accounts.

If your business has struggled to find a way to accept credit cards online because of the nature of your industry, Seamless Merchant will be able to help.

  • Restaurants
  • Document Preparation
  • CBD
  • Financial Services
  • Credit Repair
  • Online Dating
  • Retail
  • Telemedicine
  • Adult
  • Logistics, Shipping & Movers
  • Charity Donations
  • Marketplace
  • Firearms & Ammo
  • Web Design & Computer Support
  • Travel
  • Multi-Level Marketing
  • Nutraceuticals
  • Online Gaming

You’re in good company with our card processing services

Thousands of business owners trust Seamless Chex to help them accept and send online payments.

As a business owner, Paynote has helped to significantly reduce the number of checks we have to put in the mail, which has saved us on postage and time spent.

Clifford Parker
Clifford Parker
CEO @Parker Insurance

Seamless Merchant has been a great asset to our organization for the past 5 years. They are always quick to respond and a pleasure to work with.

Marek Zribko
Marek Zribko
Manager @Omar Mediterranean Cuisine

Seamless Merchant has been great at keeping our payment processing fees at an absolute minimum.

Jared Lubel
Jared Lubel
President @Ruby & Jenna

Thanks to the insightful advice and great service offered by the team at Seamless Merchant, our ecommerce business operates more efficiently.

Hakan Lindskog
Hakan Lindskog
Chief Operating Officer NeuroHacker Collective

eCheck verification has reduced returned checks for our clients by 63% resulting in thousands saved on bank fees. They also offer A+ developer support!

J.W. Epply
J.W. Epply

Very reliable verification and great customer service. Customer Support is always responsive and available.

Rory Marks
Rory Marks
Managing Partner @Central Diligence Group

Paynote has helped to significantly reduce the number of checks we have to put in the mail, saving both money & time.

Alon Alexander
Alon Alexander
President @Kent Services

We have over 90 locations and Seamless Chex helps us collect out money faster, easier and more efficiently.

Phil Levi
Phil Levi
Credit & A/R Manager@ Parts Authority, Inc.

Excellent service! Sending invoices with Paynote has significantly reduced A/R by letting our customers pay online.

Sam Ende
Sam Ende
CPA @Raich Ende

Malter & Co.

SeamlessChex helped us solve one of the crucial problems we were having as a business: recurring payment to vendors.

Justin Mitchell
Justin Mitchell
Founder, Owner@ SoFriendly

Paynote allows us to easily request one time and recurring rent payments from our tenants.

Sam Katz
Sam Katz
Executive Director@ Roxann Realty

SeamlessChex has made it easy for our business to receive funds the next day from our clients.

Tiffany Kapp
Tiffany Kapp
Managing Partner@ Custom Business Solutions

Every small business needs Paynote! Paynote's allowed me to send and receive payments quickly, securely, and reliably.

Jeff Swersky
Jeff Swersky
Owner @Jeff Swersky

SeamlessChex has been an invaluable addition to our company. It has drastically reduced the time to receive.

Alim Sunderji
Alim Sunderji
COO @Sleeptronic @Parker Insurance

Ready to get started?

Begin accepting and sending payments today.
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Discover The Payment Processing Solution That's Right For Your Business

Debit Bank Accounts via eCheck and ACH
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Accept Verified ACH Payments and Send Payouts
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Merchant Service
Accept Debit and Credit Card Payments
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Revolutionize Payment Processing Forever

Start accepting and sending customer payments today.

Frequently Asked Questions: Credit Card Processing

Why should I choose SeamlessChex Merchant Services?

  • Specialization: We specialize in merchant accounts for companies in high-risk products and hard-to-place industries. Our products help these businesses easily accept payments from customers via the internet.
  • Customization: We understand that every business is unique, which is why we offer customizable solutions to meet your specific needs. Whether you're a small startup or a large enterprise, Seamlesschex provides flexible options and personalized support to help you optimize your payment processing strategy and drive growth.
  • Expertise: SeamlessChex brings extensive expertise to the table with 30 collective years of experience in the payment processing industry.
  • Customer Support: Experience unparalleled service with our round-the-clock, 365 days a year support, complemented by a dedicated personal account manager.

How much does it cost to accept credit cards online?

The cost of processing credit card payments online can vary depending on several factors, such as the payment processor you choose, the type of online credit card transaction, and the volume of transactions your business processes. Here are some common fees you may encounter with credit card processing online:

  • Card transaction fees: This is a fee charged for each card transaction you process, which is usually a percentage of the transaction amount (e.g., 2.9%) plus a fixed fee (e.g., $0.30). You may also pay more to accept certain types of credit cards than you would others.
  • Monthly support fees: Some payment processors may charge a monthly fee for using their app and services, which can range from a few dollars to hundreds of dollars.
  • Chargeback fees: If a customer disputes a charge and initiates a card chargeback, the payment processor may charge you a fee for the payments.

It's essential to compare the fees and features of different payment processors to determine which one best suits your business needs and budget. Also, keep in mind that fees can vary depending on the size and type of your business and the volume and types of card transactions you process at your store.

Fortunately, you can save money and secure a fair credit card processing rate by shopping around for a merchant services account that actually meets your needs and supports your company.

What is a Payment Gateway vs. a Payment Processor?

While payment processors and payment gateways are two different things, they work together to allow your business to accept payments anywhere and anytime online. Your customers can easily purchase products from their mobile phone at home with the integration of a payments gateway and processor.

Here’s a quick breakdown of the difference between a payments processor and a payments gateway:

  • Payment processors like Seamless Merchant provide the merchant account that actually facilitates the financial transaction for customers when they use their credit cards.
  • Payment gateways like Plaid and Stripe provide a bridge between financial institutions. They communicate with your bank and your customers’ banks or credit card companies, encrypt and secure sensitive financial data like login and account information, verify payments, then communicate the approval or decline of financial transactions accordingly.

While payment processors provide a space for financial transactions to occur, they don’t move money, which is why you also need to partner with payment gateway services to accept credit cards online. 

That said, many payment processors have pre-existing relationships with payment gateways, so you won’t have to pick and choose your providers. 

Which card types can I accept?

Depending on your merchant account, you should be able to accept all major credit cards, including American Express, Discover, Mastercard, and Visa for contactless payments online.

For more information about the types of cards you can accept with your payment solutions, consult your merchant account partner.

How do I receive a credit card payment online?

To receive a credit card payment online, you will need to set up a payment processing system. 

Here are the steps to follow to enable digital card payments:

  • Choose a payments processor: There are many payment processors available to partner with, including Seamless Merchant, Square, and others. Choose one that suits your billing needs and create an account.
  • Integrate with a Payment Gateway: Most payment processors will provide a payment gateway you can integrate into your website or online store. This will allow your customers to enter their payment information and complete the card transaction. For example, a merchant account like Seamless Merchant offers more than 25 bank relationships, allowing businesses to accept credit card payments securely, quickly, and efficiently.

Our merchant account services also support returns and chargebacks, so you’ll have all the tools to manage credit card payments online and grow your business through electronic payments. As our client, we'll ensure that your online payments get processed seamlessly.

Enjoy zero-cost processing, white-glove service, and streamlined integrations to help your business run more efficiently. 

Which Documents are Required for Submission?

  • Employer Identification Number (EIN)
  • Articles of Incorporation
  • Photocopy of Driver's License
  • Three Months of Bank Statements (if accessible)
  • Three Months of Credit Card Processing Statements (if accessible)
  • Authorization for Call Script
  • Voided Check