More Than
Just Processing.
Stop Paying Processing Fees. Keep 100% of YOUR Profits!
KNOWLEDGEABLE
Deep expertise in payment processing to guide every decision.
ACCOUNTABLE
We stand behind our service with personalized, hands-on support.
TRANSPARENT
No hidden fees, no surprises — just honest, straightforward pricing.
We Serve Every Business Type
Zero Fee Processing
Eliminate Credit Card Processing Fees
Learn how to eliminate credit card processing fees entirely. Eliminating these fees can significantly boost your business's bottom line. By understanding these strategies, businesses can minimize costs while maintaining convenience for their customers.
Get started with Pratt Merchant Services today to keep 100% of your profits. Our surcharge and cash discount programs are fully compliant and easy to implement.
What We Offer
Quality Payment Processing
& Merchant Solutions
At Pratt Merchant Services, we understand that choosing the right payment processing partner for your business is crucial to its success. As a family owned, locally operated company, we are uniquely positioned to provide exceptional service.
Zero-Fee Processing
Eliminate 100% of credit card processing fees with our surcharge and cash discount programs. Keep every dollar you earn.
Free Equipment
Get state-of-the-art payment terminals and POS hardware at no cost. We provide the equipment, you keep the profits.
No Contracts
We earn your business every month. No long-term contracts, no early termination fees — just exceptional service.
Business Analytics
Real-time reporting and insights to understand your sales, track trends, and make smarter business decisions.
Local Support
Nationwide reach with local expertise. Our team is always available to provide hands-on, personalized support.
Fast Onboarding
Get up and running in as little as 24–48 hours. Our streamlined setup process gets you accepting payments fast.
About Pratt Merchant Services
Family Owned.
Nationwide Reach.
Pratt Merchant Services was founded with a simple mission: help small businesses across America stop losing money to processing fees. As a family owned and locally operated company headquartered in Jackson, MS, we understand the challenges businesses face every day.
Our team is committed to building meaningful relationships with our clients, and we are dedicated to helping them grow. We've grown organically, with a focus on hard work and strong business ethics — invested in our clients' success, not just our own.
Our Solutions
Complete Payment Solutions
For Every Business
From countertop terminals to online gateways, we have the right solution for your business — all with zero processing fees.
Payment Terminals
Countertop and wireless terminals for every business type.
POS Systems
Full point-of-sale systems with inventory and reporting.
Virtual Terminals
Accept payments from any browser, anywhere.
Mobile Terminals
Turn your phone into a payment terminal on the go.
Online Gateways
Secure payment gateways for your e-commerce store.
Recurring Billing
Automated subscription and recurring payment management.
Card Vaulting
Securely store customer card data for future transactions.
Paperless Invoicing
Send digital invoices and get paid faster.
Why Choose Us
The Pratt Merchant Services Difference
Keep 100% of Profits
Our zero-fee programs mean every dollar you earn stays in your pocket.
No Hidden Fees
Transparent pricing with no surprises. What you see is what you pay.
Dedicated Support
A real person answers when you call. Local expertise, nationwide reach.
Quick Setup
Start accepting payments in 24–48 hours with our streamlined onboarding.
Customer Stories
What Our Customers
Are Saying
"There are several really great features with using Pratt Merchant Services. The product is great, easy to use, a piece of cake to change over. Now by paying the fee customers can directly help support local business. Truly a win win."
From High Fees to High Growth.
A real story from a real merchant — and the numbers that changed everything.
Paying a flat rate of 3.5% plus transaction fees — totaling over $1,600 every month. Over a year, that's nearly $20,000 lost just to accept payments. Plus, technical issues meant hours on hold with automated chatbots.
- Zero-Fee Merchant Program implemented
- Two sleek touchscreen Smart Terminals provided free
- Full setup completed in under 48 hours
- Zero downtime during their busiest sales weekend
- Dual-Pricing model offsets processing costs entirely
"Switching to Pratt Merchant Services was the single most impactful financial decision I made this year. I'm no longer paying a 'tax' on my own hard work."
How Much Is Your Processor
Costing You?
Enter your monthly card sales volume below and see exactly how much you could keep with Pratt Merchant Services' Zero-Fee program.
Get My Free Profit Analysis
Enter your details to see your personalized savings.
Quick Reference: Annual Savings by Volume
| Monthly Sales | Yearly Fees (Others) | Your Savings |
|---|---|---|
| $10,000 | $3,600 | $3,600 back in your pocket |
| $25,000 | $9,000 | $9,000 back in your pocket |
| $50,000 | $18,000 | $18,000 back in your pocket |
| $100,000 | $36,000 | $36,000 back in your pocket |
* Estimates based on an average effective rate of 3% for standard aggregators.
What could you do with an extra $18,000 a year?
- → Hire new staff to help your business grow
- → Upgrade your technology and equipment
- → Expand your marketing to reach more customers
- → Boost your bottom-line profit instantly
Smart Money
Moves Ahead.
Join businesses nationwide that have eliminated processing fees and kept more of what they earn. Get started today — it's free.
Get Started Today
Ready to Keep 100%
of Your Profits?
Join businesses nationwide who have eliminated processing fees with Pratt Merchant Services. No contracts, no leases, free equipment.