Credit card processing
Accept Visa, Mastercard, Amex, Discover and EBT in person, online, on the go, or on a recurring plan — all on one Miami merchant account.
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Miami Merchant Services · Credit Card Processing · Local & BilingualI help Miami business owners accept credit cards the smart way: a transparent, compliant zero-cost dual-pricing program that for many businesses brings the processing bill to near zero — plus the AI receptionist and website systems that bring the work in. Local, BBB A+ accredited, and available in English and Spanish. You’ll see your exact numbers before you change a thing.
Prefer to talk first? Call or text (305) 215-6132 · Se habla españolPlenty of companies offer Miami merchant services and credit card processing. What almost none of them do is build the rest of it — the AI receptionist that answers when you cannot, and a real, done-for-you business website at $750 up front, then $99/month. Same card acceptance everyone promises, and where I cut your card fees that saving helps pay for the rest.
Book a free 15-min review →Accept Visa, Mastercard, Amex, Discover and EBT in person, online, on the go, or on a recurring plan — all on one Miami merchant account.
A compliant program that offsets the cost of card acceptance at the point of sale, so for many businesses the processing bill drops to near zero. See how it works →
A professional, mobile-ready website and your own domain, designed and built for you — $750 up front and $99/month. Web design in Miami →
Clover, Square, Valor, PAX and more — countertop terminals, full POS, mobile readers, kiosks — matched to how you actually run. Explore equipment →
Reporting, fast deposits, gift & loyalty, Google Business Profile setup, and online ordering — tools that grow the business, not just lower the bill.
A real local person who answers the phone — setup, training, and ongoing help, in English or Spanish, from someone you can actually reach.
What it is. With a compliant dual-pricing program, your cash price and card price are both shown up front. A small fee is added when a customer chooses to pay by card — so the cost of card acceptance is offset at the register instead of coming out of your margin. A cash-paying customer still gets the lower price.
What it isn’t. It doesn’t mean payments are magically free. It means the acceptance cost is structured so it no longer eats into what you keep, through a program that follows card-brand rules and applicable law — with the signage and customer disclosure set up correctly.
If zero-cost isn’t the right fit for your customers, I’ll restructure your account on transparent interchange-plus pricing instead — a steep, honest rate reduction with no tiers and no padding. The free statement review tells us which path actually serves you.
What you keep, in full.
The card fee is added at checkout — paid by the customer who chooses card, not taken from your margin.
Signage and disclosure are set up correctly, per card-brand rules and applicable law. Full processing details →
A Miami-based payment guy, not a 1-800 call center. You get a name, a cell number, and someone who shows up when you need a hand.
Miami runs in two languages. I work with Spanish-speaking owners in español so nothing gets lost in the fine print. (Spanish page coming soon.)
An A+ rating with the Better Business Bureau — a Miami merchant services partner you can vet before you ever sign.
Real reviews from real business owners. Honest setup, plain-English pricing, and no surprise fees buried on page three.
The differentiator no other local processor leads with: a done-for-you website and domain, designed and built for you at $750 up front, then $99/month. See what is included →
If your current deal is genuinely good, I’ll tell you to keep it. You keep the free analysis either way — no obligation.
From Little Havana and Wynwood to Brickell, Hialeah, Coral Gables and Doral — restaurants, salons, retail shops, auto shops and service businesses across the city. Not in the list? I serve all of greater Miami and nationwide.
Restaurants, cafes, and service firms in Miami’s urban core.
Galleries, shops, bars, and fast-growing independents.
Family restaurants, ventanitas, and neighborhood retail.
Retail, auto, and Spanish-speaking small businesses.
Boutiques, salons, and professional services.
Retail, restaurants, and growing suburban businesses.
Hospitality, retail, and high-ticket service businesses.
Nationwide service for businesses beyond Miami, virtually.
Lowering what you pay to accept a card frees up money every month with no extra work and no new customers.
What are merchant services?
It’s the umbrella term for everything that lets your Miami business accept card payments — the merchant account, the credit card processing, the equipment, and the support behind it. I set it all up on one zero-cost account.
How much does credit card processing cost in Miami?
Many merchants on tiered or flat-rate plans pay roughly 3–4% all-in. With a compliant zero-cost dual-pricing program, that cost can be offset to near zero. The only way to know your true number is a free statement review of your own statement.
Is zero-cost processing legal in Florida?
Yes, when set up correctly. Dual-pricing and surcharge programs are governed by card-brand rules and applicable law, with requirements for signage and disclosure. I handle the setup within that framework so you stay compliant.
¿Hablan español?
Sí. Service is available in Spanish for Miami’s many Spanish-speaking owners. A full Spanish version of the site is on the way — in the meantime, just ask and we’ll walk through everything in español.
What Miami areas do you serve?
All of Miami-Dade — Little Havana, Wynwood, Brickell, Downtown, Hialeah, Coral Gables, Doral, Miami Beach, Kendall, Coconut Grove, Aventura and more — plus nationwide service across all 50 states.
Can I switch if I’m under contract?
Often, yes — more easily than owners expect. Bring your current agreement to the free review and I’ll tell you exactly where you stand, including any early-termination terms to plan around.
Tell me a little about your business and I’ll put together a transparent, no-obligation quote — including whether zero-cost processing fits your business.
Web design · AI receptionist · Credit card processing · Equipment · Packages & pricing · Free statement audit
Lowering what you pay to accept a card frees up money every month with no extra work and no new customers. The businesses that grow from there spend it on the three things that actually bring customers in: answering every call, a site that converts, and showing up on Google.
Bring your merchant statement to a free call and find out what you’re really paying — and exactly what zero-cost processing would do for your Miami business.
Prefer to talk now? Call or text (305) 215-6132