The Best Payment Solutions Company

Looking for a payment solutions company? As a business owner myself, I know first hand how challenging it is to find a reliable merchant processing company. Let us help. You won’t be disappointed! Click the button below now.

My Payment Solutions USA Services

Credit Card Processing

Is your business paying to much to process credit card payments? Contact us today for a FREE Merchant Evaluation. Call or book a time on our calendar below. You will be glad you did!

Point Of Banking/Cashless ATM

Generate additional revenue for your business by getting a cashless ATM machine, otherwise known as point-of-banking system. Plus, we offer traditional ATM machines.

High Risk Merchant Services

As a national provider of high risk merchant services we offer cashless ATMs, e-checks, and much more to help high risk businesses process credit and debit card payments.

Our Mission Statement

To deliver exceptional support and service to merchants for their transaction processing needs. We want our customers to have the confidence that My Payment Solutions USA is conducting business with integrity and care, while supplying products and merchant payment solutions focused solely on helping our clients make the right choice for their particular business needs. Our vision is to continuously develop our presence and to ensure our merchants have complete confidence and trust in our company.

My Payment Solutions USA Founder Sandra Logomasini

Business Payment Solutions

Are you looking for custom payment solutions for your business? Look no further than My Payments Solutions USA. Give us a call now to speak with one of our courteous credit and debit card processing experts. We offer fast, secure & reliable payment solutions for all you needs.

In fact, at My Payments Solutions USA we are dedicated to providing the most reliable and affordable merchant processing services for all types of businesses. We strive to do everything in our power to cater to the unique needs of our merchants by providing custom payment processing solutions.

We know that speedy processing leads to more transactions and increases your bottom line. Customer satisfaction is our utmost priority. Contact us today to learn more about our merchant processing services. You can also reach out to us on social media, and while you are there don’t forget to give us a like on our Facebook page.

What Makes My Payment Solutions USA Different?

1. Professional Customer Support

Whether you are a small or a large business, we are confident that our team can go above and beyond your expectations. Our staff is trained to listen and respond to your individual needs. We will help you select the best payment processing technology for your business, while also helping you comply with PCI standards to help protect your customers and your data.

2. Cutting-Edge Technology

We use the most advanced technology available in the payment processing landscape. From on-the-go mobile processing to NFC, EMV and PCI compliant credit card readers to make sure you always get quick and secure processing. No matter what your merchant processing needs are, you can be certain that your business will be outfitted with the most reliable and advanced equipment.

3. Prevent Chargebacks and Fraud

Chargebacks and fraud are one of the most common problems most merchants face. At My Payments Solutions USA, we give you access to best state-of-the art Fraud and Chargeback Prevention technology so that you can process payments smoothly, quickly and cost-effectively. Want to learn more? Give us a call now!

Industries We Service

  • Quick Serve Restaurants​
  • Bars
  • Bowling Alleys
  • Hotels, Motels, Lodging
  • Gas Stations
  • Grocery Stores
  • Retail Stores
  • Drive-Inns
  • Donut Shops
  • Nail Salons
  • Independently Owned Restaurants
  • Hair Salons​
  • Healthcare
  • Laundromats
  • Limousine Services
  • Laundry Mats
  • Grocery Stores
  • Colleges and Campuses
  • Convenience Stores
  • Farmers’ Markets
  • Food Service
  • Government Agencies
  • Bakery’s
  • Ice Skating Rings
  • Ice Cream Shops
  • Convience Shops
  • Roller Rinks
  • Auto Repair Shops
  • Auto Body Shops
  • Lunch Trucks
  • Non-Profit Organizations
  • Medical Marijuana, Dispensaries & Clinics
  • And More
The Cashless ATM Lady

What Our Customers Say About Us

No Hassle Small Business Payment Solutions

Are you ready to get your merchant account setup? Our team is here to provide the best payment processing solutions for your business.

Give us a call today to learn more!

Apply For A Payment Processing Account In Minutes

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Frequently Asked Questions (FAQ)
A merchant account is designed to help you, the merchant, manage “risk” levels by allowing you to accept different types of credit cards that are issued to different types of individuals and businesses. A merchant account facilitates the flow of cash flow into a merchant’s business checking account, within 24-48 hrs, once each credit card transaction is completed, in the form of an electronic “advance”. The “provider” must then attempt to secure the cardholders funds electronically via the bank that issued each “authorized” card. This often takes several days. Credit card charges and fees compensate the merchant’s “provider” for this “risk” in actually securing these funds.
A “swiped” rate is lower than a “keyed-in” rate because your customer is present at the point-of-sale (Face-to-face transaction). When your customer is in front of you, you can “swipe” their card through your credit card terminal and take the opportunity to validate the cardholders identity, thus you will receive a lower processing charge for that transaction.
1.) Utilize a desktop terminal to “swipe” or “key-in” a customer’s credit card number. 2.) Utilize a more expensive point-of-sale (POS) computer like system w/monitor to “swipe” or “key-in” a customer’s credit card number. 3.) Utilize an Internet connected home or office computer to “key-in” a customer’s credit card number. (Virtual terminal – requires manual input from business staff) 4.) Utilize a “wireless” hand held credit card terminal to “swipe” a customer’s credit card number. You will receive the lower “swiped” rate, and receive an “immediate” approval and authorization number for that specific transaction. This “immediate” authorization protects you the merchant, from unnecessary chargebacks. 5.) Utilize your own website to receive customer generated “keyed-in” credit card numbers. (Cardholder/customer enters all card data, requires no staff input).

In most cases no, however, if you are a high volume retail or restaurant business that will be processing multiple transactions in a “high transaction” per day environment, then having a separate “dedicated” phone line is a good idea. If you only have one telephone line at your business, you might be able to use a simple telephone line “splitter”.

Ninety five percent (95%) of all credit card terminals require a standard “analog” telephone line. Some newer buildings allow you to utilize your Internet connection via a “Router”. In some of these cases, you my need to connect your credit card terminal, or Point-of-Sale computer based system, with a Cat 5/6 line, or Ethernet cable. With a DSL line, you may need to utilize a DSL “filter”. It is important to determine what type of connection you will be utilizing at your place of business prior to purchasing just ANY credit card terminal. It is the merchants responsibility to provide an “active” line and proper connection cables for our Merchant Advisor or Technician to connect your terminal into.

Most definitely yes. More people carry ATM, debit and bank cards than have a credit card. Because of this a lot of the financial service industries are projecting the number of ATM machines, and ATM devices in the US to increase. People spend more if they have the option of using their debit cards, and POB terminals pay you every time someone swipes their card instead of you the merchant paying a fee’s.

We ship our terminals pre-programmed and ready to use. You just have to plug the power cord to a standard wall plug, and connect the machine to a standard analog phone line and your all set to start accepting bankcards at no cost to your business.

We charge a $10 monthly statement fee, this covers the processing and mailing of your monthly statement and ACH services and toll free tech support.

You are not required to have coverage on your machine even if you have a free placement or have purchased the terminal, however if you carry an insurance policy on your business assets we recommend that you tell your insurance carrier and add the terminal to your list of insured assets.
The funds the merchant pays out when honoring receipts from their terminal will be deposited into their bank account in 3 days ( this does not include weekends or holidays of course) through the banking system, the funds are FDIC insured. The profits from the surcharge for the merchant is deposited into the bank account by the 15th of every month for the previous months transactions.
That of course depends on the amount your surcharge is set at and if you purchase the terminal or if it is placed free. Please speak with your representative .They can also advise you on how much to charge your customers on the terminal and what is best for your type of business.
That depends on the type business you are inquiring about. Your representative will work with you to determine the most effective surcharge for your type business. The lower the surcharge the better reception, you want to make it affordable for your customers so they will use the terminal helping you to increase sales without having to pay any of the processing fee’s.
No, our terminals dial out to a toll free number so you will not have any long distance charges.

We will ship your terminal in approximately 7- 10 days one the application has been submitted. In some cases a representative will deliver you terminal, either way you are supported through the set up and trained on the terminal.

Yes Pin pads are great for drive-up windows. They are long corded and can reach out the window to the customer so they can input their pin number on the pin pad and never leave their vehicle.
Yes, Payment Solutions creates, develops, administers, fulfills and provides marketing support for your personalized gift cards. Gift cards are activated within seconds of the purchase by swiping them through the terminal and adding the desired dollar amount. A customized receipt will be printed with the remaining balance at the time of purchase. When the card’s balance runs low, customers can add money to the card, turning a one-time user into a lifelong customer.
A Point of Banking machine works like a traditional ATM except the Point of Banking Machine holds no cash. The Point of Banking machine prints out a receipt for preset dollar amounts (that the merchant controls) and the cashier redeems it for products, services, and or/or cash back for the customer. This allows you to offer your customers the convenience of a Cashless ATM like service without the expense, security risks or the refilling of cash like traditional ATM’s It’s truly a hassle free way to offer card payment options and cash back to your customers.

No, you don’t have to keep extra cash on-hand because merchants are able to limit the dollar amounts that the machine can run transactions for. If the machine is limited to say $10 or $20 dollars, most merchants will have no problem making change considering most customer using the machine are going to buy something from the merchant. Statistics show 90% of that cash will go back into the register through purchases.

A Cashless ATM system gives the customer a two piece receipt for redemption at the checkout in order to pay for products and/or services. The customer keeps the customer portion of the receipt or ticket, and you (the merchant) keeps the merchant portion of the receipt for your records.
A POB, also known as a Point of Banking ATM, is a process which appears very similar to a credit card processing terminal, but allows merchants to run transactions by having the customers agree to a fee similar to the way a standard ATM machine would operate. The only difference is that the merchant gives money back when they honor the receipts from the Cashless ATM that the cardholder gets when they run the transaction initially. These Cashless ATM’s are customer activated machines; they are operated by the customer and can be run before the customer gets into the checkout line. The great feature of Cashless ATM’s is that they help speed up checkout times because the transaction is run prior to the customer getting in line and paying for their purchases. The receipt is two fold; one receipt goes to the customer and the other goes to the merchant.
Yes, just ask your representative for details.
Yes we will provide you with a free online portal.

Yes we offer high risk credit card processing services at affordable rates. In addition to offering cashless ATMs for high risk merchants.

Yes! Give us a call today at 1-800-734-3424. You can also click here to book a time on our calendar.