Serving DFW Since 2011

Compare Merchant Service Rates in Dallas

Get free, no-obligation quotes from competing credit card processors. Fill out the form and providers will compete for your business.

Free Quotes
No Obligation
14+ Years Experience
How It Works

Compare Rates in 3 Simple Steps

Getting the best deal on credit card processing doesn’t have to be complicated.

1

Complete the Form

Answer a few basic questions about your business type, monthly processing volume, and what you’re looking for. Quick, secure, and free.

2

Receive Competing Quotes

Multiple merchant service providers will send you rate quotes based on the information you provided. They compete for your business.

3

Choose the Best Deal

Compare the quotes, ask questions, and go with the provider that gives you the best combination of rates, service, and terms.

Who We Help

Merchant Services for Every Business Type

We work with businesses across the entire Dallas-Fort Worth Metroplex.

Restaurants and Bars

Full-service restaurants, quick-service spots, bars, nightclubs, pizzerias, bakeries, delis, and food trucks. Processors who understand hospitality and offer integrated payment solutions.

Retail Stores

Clothing shops, grocery stores, convenience stores, liquor stores, gift shops, and specialty retail. Fast, reliable processing that handles high transaction volumes.

Service Businesses

Salons, spas, auto shops, gyms, medical offices, law firms, and professional services. Payment processing that fits how you actually do business.

E-Commerce and Mobile

Sell online or accept payments on the go with virtual terminal solutions, payment gateways, and mobile processing options.

Point of Sale

Need a POS System Too?

If you’re also shopping for a new point-of-sale system, check out our sister site, Dallas POS Systems. They specialize in helping DFW businesses find the right POS software and hardware for restaurants, bars, retail, and more.

Visit Dallas POS Systems
SkyTab Restaurant POS System with Jon Taffer
About Us

Why Dallas Business Owners Trust Us

We’re not a faceless national company. Dallas Merchant Services is a division of Point of Sale USA (POSUSA), and we’ve been in the payment processing and POS industry since 2011. We’re locally based in the DFW area, and we’ve spent over a decade helping business owners navigate this space.

In my experience, the biggest mistake business owners make with merchant services is signing up with the first company that calls them. Processing rates and fees vary significantly from one provider to the next, and a lot of companies bury their real costs in the fine print. Comparing multiple quotes is the single best thing you can do to make sure you’re getting a fair deal.

We don’t charge you anything for this service. The providers who participate pay for the opportunity to compete for your business. That means the incentive is always on them to give you their best offer up front.

Testimonials

What Our Customers Are Saying

★★★★★
“We were paying way too much with our old processor and didn’t even realize it. Ended up saving over $300 a month. The whole process was easy and there was no pressure.”
Maria R.
Restaurant Owner, Plano, TX
★★★★★
“I’d been putting off switching processors for years. Turns out it was one of the simplest things I’ve done for my business. Got three quotes within a couple days.”
David K.
Retail Store Owner, Arlington, TX
★★★★★
“They took the time to understand my business before recommending anything. Connected me with a provider who already had experience in our industry.”
Jennifer L.
Salon Owner, Dallas, TX
FAQ

Frequently Asked Questions

What are merchant services?
Merchant services is the term for the financial services that allow a business to accept credit card and debit card payments. This includes the merchant account itself, payment processing, the credit card terminal or POS system hardware, and the payment gateway if you accept online payments.
How much does credit card processing cost in Dallas?
Most businesses in Dallas will see effective rates somewhere between 1.5% and 3.5% per transaction, though some processors add monthly fees, PCI compliance fees, and batch fees on top. The best way to know what you’ll actually pay is to get quotes from multiple providers and compare the total cost, not just the advertised rate.
What is interchange-plus pricing?
Interchange-plus pricing is a transparent pricing model where your processor charges you the actual interchange rate set by the card networks (Visa, Mastercard, etc.) plus a fixed markup. It’s generally considered the most transparent and fair pricing model for most businesses. It’s the pricing model we typically recommend.
Do I need a separate merchant account and POS system?
It depends on your situation. Some POS providers like Square and Toast include built-in payment processing, so you don’t need a separate merchant account. Others require you to pair them with a third-party processor. If you need both, our sister site Dallas POS Systems can help with the POS side while we help you find the best processing rates.
Can I switch processors without disrupting my business?
Yes. Switching is usually straightforward and can often be done with minimal downtime. The main thing to watch out for is early termination fees on your current contract. Before you switch, review your existing agreement to see if there’s a cancellation penalty.
Do you serve businesses outside of Dallas?
While we’re locally focused on the Dallas-Fort Worth Metroplex, the providers we work with serve businesses throughout Texas and the United States. If you’re in Fort Worth, Arlington, Plano, Frisco, McKinney, Denton, or anywhere else in DFW, we can help.
Can I accept credit card payments remotely or on the go?
Yes. A virtual terminal lets you process credit cards from any device with an internet connection, which works well for phone orders, invoices, and service businesses. Mobile payment apps let you accept cards on the go from your phone or tablet. Either option also doubles as a solid backup if your main POS or terminal ever goes down. Learn more at Virtual Merchant Services.

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