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An industry leader that

Trusted by 32,000+ Merchants Processes Over +4 Billion Dollars Annually 24/7 Always Available Customer support 7+ Year Lock on Processing Rates No Early Termination Fee Free Terminal Program is A+ Rated with the BBB Over +460 Software Integrations Guaranteed Savings or We Pay You $1000

Why Join The Nation's #1 Cash Discounting & Surcharging Platform?

Keep 100%
of Your Sales

iMerchant Direct lets you keep all of your profits by eliminating your credit and debit card processing fees by passing the fees onto the customer. A Non-Cash Charge is automatically implemented in each transaction mode using o credit or debit card. The Non-Cash charge covers interchange costs, authorization costs, credit transaction costs, and merchant support.

Accept Card
Payments Anywhere

As an iMerchant Direct merchant you hove access to a suite of the newest POS systems and terminals that will allow you to take payments anywhere on-the-go, making your job and your customer's life much easier. Being able to accept payments at any given lime opens your business up to a new world of opportunities and profitability.

Reward Cash
Paying Customers

iMerchant Direct not only eliminates your business's card fees with our Non-Cash Charge, but it also encourages your customers to pay with cash helping you further avoid cord fees and putting cash straight into your pocket. iMerchant Direct gives your business the unique ability to reword cash paying customers by giving them a lower price.

  • Cash Discounting is Fully Compliant with Federal and State Laws
  • The Durbin Amendment does not allow any payment card network to inhibit a merchant's ability to implement a cash discount.
  • The U.S. Has the Highest Interchange Rates
  • U.S. interchange rates are unregulated, allowing payment card networks (Visa. MasterCard, etc.) to charge what they want at any time. Interchange fees will continue to increase to the merchant.
  • Raising Your Prices Loses Customers
  • It has been proven that raising prices costs far more customers than implementing a cash discount program.
  • Offset the Rising Minimum Wage Rate
  • States across the U.S. are raising minimum wage rates, especially in the Tri-State area with New York at $15/hour with New Jersey soon to follow.
  • Avoid Junk Fees and All Other Miscellaneous Fees
  • Junk fees are just one example of a junk fee charged by your traditional credit card processor.
  • Removing Minimum Credit or Debit Card Signs
  • Cash Discounting removes the need to display a minimum debit or credit card sales signs.
  • Offset Other Constantly Crowing Costs of Doing Business
  • From rising rent to inventory costs, the cost of doing business grows every year for merchants with no relief.


Perhaps the most simple and easy to understand pricing program. What you see is what you get here.

Pay the same rate all the time. Really helping you understand your true costs and never surprising.


For more complex merchants that need a comparison to what they currently have.

Be Guaranteed the lowest rate for you rest assure you have a custom rate designed for you and your type of business.

Top Business Types Using iMerchant Direct

Delis & Supermarkets

Grocery stores & Supermarkets no longer have to lose customers to Credit Card Minimums and can accept credit cards, regardless of the amount, with no fee.


Eliminate the minimum sale credit/debit card signs and offset increasing minimum wages and food costs through iMerchant Direct. No longer do Pizzerias have to worry about decreased profits from processing fees.


Increases in the minimum wage and other costs make it difficult for restaurants to make a profit. iMerchant Direct offsets these costs by eliminating their processing bill.

Bars & Nightclubs

Whether it be a VIP/Bottle Service establishment, a bar, or lounge all can benefit from eliminating processing fees. When people are celebrating or out partying, they are unlikely to complain about a small charge when using a card for payment.

Salons & Spas

Beauty Salons love iMerchant Direct. Whether it's a manicure or a complete makeover; the amount they charge is the amount they receive.


Retailers are prime candidates for iMerchant Direct, because net margins are much smaller compared to other industries. Retailers know that overhead cost, labor, and inventory slims down your margins significantly.

Liquor Stores

Using iMerchant Direct helps liquor stores recover the profits lost due to increased labor and inventory costs. iMerchant Direct has brought increased profit to this industry.

Professional Services

Doctors & Dentists are always complaining about credit card fees, especially when it comes to Co-Pays. Lawyers have no reasons to pay fees when accepting cards for legal retainers. Now, through iMerchant Direct they have been eliminated.

Service Industries

Merchants within the service Industry love iMerchant Direct. When assisting a customer with needs like Towing, HVAC, Locksmith etc. The customer has no problem paying for the convenience of using their Credit Card in these urgent situations


Thanks to iMerchant Direct Wholesalers can now collect payments up front via Credit Card, rather than giving terms. Through iMerchant Direct their profit margins are not affected!

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