ProcessForLess Merchant Services.homeWholesale VISA/MASTERCARD Rates - SAVEMerchant Support and TrainingMerchant Cash Advances for Merchants and Commercial Invoice FactoringAbout ProcessForLess Merchant Services"Priceless" - Blog for Successful Merchants

ProcessForLess is Hiring - Be a part of our team!

Low Cost Credit Card Processing for ECommerce, Retail, Mail Order and Phone Order, Merchant Cash Advances, and Commercial Receivables Factoring to Small and Large Businesses.

ProcessForLess Saves YOU Money on services you already use and provides education and knowledge to help you earn more!

Merchant Account Comparison

  ProcessForLess Other Processors
Merchant Account Setup Cost FREE $50 and Up!
Gateway (Authnet/PayFlow/Etc..) From $0 - $50 $100 and Up!
Internet Merchant Account Rate 1.60% - 2.15% 2.20% - 3.00%
Internet Transaction Fee .05 - .15 .20 - .30
Retail Merchant Account Rate .95% - 1.69% 1.75% - 2.05%
Retail Merchant Account Transaction Fee .05 - .20 .22 - .35
UpCharges/Surcharges/Billback NONE MANY
Compatibility - Integrates Easily YES LIMITED
Approval Time 1-2 Days Week or Longer
Credit Requirements Liberal Strict
Personal Account Manager - Direct Support YES FEW


Merchant Services Quote | Ask A Question | No Obligation

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Read What ProcessForLess Merchants Say!

"Bob is great! I did nothing. All I had to do was give him my account info. I gave him access to our site I trust him with our store, he knows Yahoo stores in and out or you can do it....very simple) and it was up and running.

And talk about mellow - He does not try to sell you on anything! The guy wants to create long term relationships with his clients. He really wants people to do well. Can't go wrong with him!

i had a question the other day about our account and the guy got back to me within minutes!

I know some people are facing some slow times right now, so it's the perfect time to e-mail or call this guy & see what he can do for you. Start getting ready now for when things start picking up. It really will pay off to get in contact with him and making the switch is super easy!"


" It's true, Bob doesn't bite lol, will save you money, and actually treat you and your business like an old friend! I highly recommend him"


"How about another poll. "Do you actually KNOW what's going on with your payment processing?" and make sure the last option is "no but ProcessForLess does". 

See I'm not ignorant, I'm smart enough to leave it in the hands of the company who knows. I've got lots of stuff to do. With ProcessForLess, I don't have to worry about that. "

" I can tell you that working with ProcessForLess has been one of the best decisions I have ever made. Fair pricing and unsurpassed customer service exceeding expectations. "


We've been using ProcessForLess exclusively now on all our projects and have absolutely no complaints. They have spent countless hours on the phone with us discussing issues beyond setting up a merchant account, including next steps, best practices, etc.

We work on the First Data Platform, Nashville and Omaha


Contact Us (800) 528-0775

We Accept

We accept VISA, MasterCard, American Express, and Discover Cards


Saved $2300.00 Per Year
On VISA/MC Processing

Carey and Denise operate a specialty online store with approximately $23,000 in VISA/MC Sales monthly.

Using ProcessForLess' Wholesale Merchant Account Rates, they saved a lot by reducing their overall Merchant Account Rates.

In addition, they receive Diamond Level Support at no cost as a Member of the IMS Family.

Saved $7100.00 Per Year
On Merchant Processing

Peter is a Yahoo Store! Owner that runs an Auto Accessories ECommerce Store. Their sales average $135,000 per month.

Peter had a Merchant Account with low rates to begin with, but Wholesale Merchant Account pricing from ProcessForLess saved him even more!

$13,000 Cash Advance

Tina and Rebecca own a Retail Clothing Store and needed money for expansion. Banks would not give them a traditional loan.

ProcessForLess used their existing Credit Card Processing to Fund a $13,000 Cash Advance and it took less than 10 Days to complete!

Diamond Level Support

ProcessForLess Clients Qualify for FREE Diamond Level Support, Including Site Reviews, Business Advertising Consults, and all Diamond Level Webinars.

Your sales will soar and your knowledge will increase when your merchant services are with ProcessForLess.

$12,000 Invoice Loan Commercial Factoring

This busy Los Angeles Janitorial Company uses ProcessForLess' Commercial Invoice Financing to get advances against their unpaid invoices.

ProcessForLess buys the open invoices from their regular Commercial Janitorial Clients and pays the Janitorial Company immediately with no waiting for the customer to pay!

If your business has regular commercial clients, ProcessForLess may can help you get immediate access to your money!

Wholesale Credit Card Machines starting at $175.00
Credit Card Terminals as low as $175 with new account. You could pay more, but you don' t need to!