Payment solutions built for growing businesses. Zero-fee processing, fast funding, and approvals for every legal business type.
Our partners
Numbers reflect aggregate PMP account volume, merchant placements, and rate reviews completed across our partner bank network.
Payments facilitated
Businesses served
Average effective rate reduction
Real human support
Send us a current statement. If we can't beat your effective rate, we'll tell you straight and you keep the analysis — free, with no contract and no cancellation fees on our side.
Every account is onboarded on PCI DSS Level 1 rails with EMV and P2PE-ready hardware.
Chip, tap and tokenized card-on-file so chargeback liability stays where it belongs.
Standard retail and restaurant files are typically approved the same business day.
A dedicated rep who knows your account — not a ticket queue or an offshore script.
What we do
Payments, capital, CBD and high risk are handled in-house by people who actually pick up the phone.
Stop paying processing fees
Card-present and card-not-present payment processing built around your actual volume, ticket size and card mix. Dual pricing and cash discount programs let many merchants move to effectively zero cost on day one.
Counter, tableside and mobile setups
From a single smart terminal to a full restaurant or retail POS, we place systems that match your workflow — tip adjust, inventory, open tabs, dual pricing and pay-by-text all reporting to one account.
Sell anywhere your customers are
Free payment-link website, digital invoicing with automatic reminders, mobile card readers, hosted online ordering and e-commerce gateways — all reporting back to one dashboard.
Get paid without the card fee
Electronic check acceptance, recurring ACH debits and check verification with real-time risk scoring — so you cut interchange on large tickets and stop eating returned-check losses.
Up to $5M in as little as 48 hours
Our lending desk funds expansion, inventory, equipment and payroll fast. Unlike traditional banks, we give real businesses a fair shot — approvals available with less-than-perfect credit.
Turn one-time buyers into regulars
Gift cards, loyalty rewards, text marketing and review requests tied to your transaction data. We set up programs that are simple to run and pay for themselves by bringing customers back more often.
Turn foot traffic into surcharge revenue
Free ATM placement, purchase or full-service programs with cash loading, monitoring and maintenance handled for you. You earn a share of every surcharge while cash sales cut your card volume.
Compliant accounts that stay open
We understand the underwriting that CBD merchants face. Our banking relationships keep your account stable, your funding predictable and your compliance documentation clean.
Every legal business type approved
Legal cannabis, adult, online gaming, nutra, firearms, travel — if it's legal, we place it. Secure, compliant processing built around the realities of your vertical.
Included at no charge
We build you a clean, branded landing page with a built-in payment link you can share by text, email, invoice, or QR code. Your customers pay in seconds — no separate web developer, no monthly hosting bill, no third-party checkout needed.
Free hosted website
Shareable payment link
Mobile-first checkout
Built-in QR code
Pay securely from any device
No extra cost
$0/mo
How PMP works
We read your current statement line by line and show you exactly where your money is going — interchange, padding, junk fees and all.
We build the program around your counter: dual pricing, the right terminal, POS or gateway, and funding if you need capital to grow.
You keep the difference. Most merchants move to effectively zero cost processing and stay with us for the life of the business.
Statement review back in 24 hours — no obligation, no pressure.
Why merchants switch
Six things we do differently — and the reason our merchants stay for the life of the business.
Every engagement starts with a line-by-line review of what you pay today: interchange, assessments, padded basis points, PCI fees, batch fees, junk fees. You see the real number before you decide anything.
Card brand rules on surcharging and cash discount are strict and state-specific. We set your program up the right way, post the required signage, and train your staff so it holds up under review.
We're a Registered Sales Office of Powerhouse Payments, North American Bancard, Priority Payment Systems, Elavon and Maverick — so your file goes to the bank most likely to approve and keep it.
Working capital, equipment finance, merchant advances and lines of credit from $5K to $5M, with programs for credit-challenged owners and renewals reviewed before you ask.
You get a direct line to the person who wrote your account — not a 1-800 queue. Terminal down at 7pm on a Saturday is still a phone call, not a ticket.
No four-year leases on a $300 terminal, no early termination surprises, no auto-renew clauses buried on page nine. If we stop earning it, you can leave.
Real people
Most processors hand you an 800 number and disappear after the install. We do the opposite: every PMP merchant gets a dedicated partner who knows your equipment, your deposits and your business by name — available around the clock.
You get the direct cell of the payment expert who wrote your account — the same person every time you call, for the life of the account.
Terminal down at 7pm on a Saturday, or a batch that didn't settle on a holiday weekend? Someone real answers, not a ticket queue.
No phone trees, no offshore scripts, no "please hold for the next available agent." You call, we answer, we fix it.
Chargeback responses, interchange re-reviews, processor escalations and hardware swaps get handled by us — not handed back to you.
Merchant stories
Restaurants, shops, garages, clinics and high-risk operators who moved their processing or funding to PMP — and what it actually changed.
“We were paying just under $3,100 a month in processing. After the switch we pay effectively nothing and my customers never blinked. PMP walked my whole staff through it before we went live.”
Marcus D.
Owner, Quick Stop Market · Sterling, VA
$36K saved / yr
“Three banks told us no because of the hemp side of the business. PMP had us approved and processing in nine days, and the account has been stable ever since.”
Priya R.
Founder, Verdant Wellness · Richmond, VA
MID live in 9 days
“I needed $180K for equipment and my bank wanted 60 days of paperwork. PMP funded me in under 48 hours and never made me feel like a credit score.”
Tony V.
Owner, V&S Auto Body · Baltimore, MD
$180K in 48 hrs
“They actually read my statement with me on a video call and showed me the padding my old rep had buried in there. That kind of honesty is rare in this industry.”
Danielle K.
GM, Harbor Table Restaurant Group · Annapolis, MD
4 locations moved
“As an agent, day-one residuals and a portfolio I actually own changed my career. The training and mentorship are the real deal.”
Chris B.
Senior Sales Partner · Remote
Lifetime residuals
“Our chargeback ratio was killing us. Their risk analyst restructured our descriptors and gateway rules and we dropped under threshold in one cycle.”
Sam O.
COO, subscription e-commerce brand · Online
Ratio back under 0.9%
Merchant names abbreviated at their request. Savings figures reflect the merchant's own reported processing costs before and after switching; results vary by volume, ticket size and card mix.
The people behind PMP
Payments, lending, underwriting and tech support are handled in-house — not outsourced to a call center. These are the folks working on your account.
Founder & Managing Partner
Vince opened PMP-Processing to help merchants stop overpaying for card acceptance. He still reviews the most complex statements personally and trains every new agent on the 'read the line, not the headline' method.
Head of Underwriting
Julia spent a decade on the bank side of the business before joining PMP. Her specialty is placing CBD, hemp and high-risk accounts with processors that will actually keep them open.
Senior Funding Advisor
Marcus has helped place over $40M in working capital for Main Street businesses. He treats every file like a puzzle and celebrates hardest when a bank turns a merchant down but PMP still gets it funded.
Agent Development
Aisha runs the sales partner program: onboarding, mentorship, residual reporting and field coaching. She built the curriculum that takes new agents from first call to first funded account in 30 days.
Technical Operations
Derek programs terminals, integrates gateways and keeps the tech stack simple. If a POS needs to talk to a payment device, he's the one who makes the handshake happen before go-live.
Built for your counter
POS, gateway, funding and support bundled into one program — configured differently depending on how you actually take money.
Countertop or smart terminal with dual pricing built in — customers see cash and card price up front.
See the program
Handhelds, tableside tipping, online ordering and next-day deposits on weekend volume.
See the program
Gateway, tokenized card-on-file, recurring billing and chargeback tooling that actually fights back.
See the program
Deposits, invoices and pay-by-text for repair tickets — no more chasing customers for card numbers.
See the program
Patient payment plans, HIPAA-aware workflows and card-on-file for recurring treatment balances.
See the program
Level II/III interchange optimization on commercial cards plus ACH and invoicing at lower cost.
See the program
Pay-by-text for insurance deductible pickups, mobile invoicing for fleet accounts and terminals that work in the shop or on the road.
See the program
Recurring billing for commercial contracts, card-on-file for residential clients and simple invoicing from any phone.
See the program
Fast mobile payments at the roadside, stored cards for fleet and motor club accounts, and funding that covers fuel and payroll gaps.
See the programWho we place
Standard retail and restaurant accounts go live in days. Hemp, cannabis-ancillary, firearms, nutra, travel and other flagged verticals go to underwriters who actually want the business — so the account stays open.
Industry playbooks
Full-service and QSR accounts get POS or terminals with tip adjust, open tabs and pre-auth, plus next-day funding on weekend volume. Where dual pricing is allowed, we post compliant signage and train the floor so guests see one clear price at the table and staff never have to argue about it.
Typical result
2.6% avg effective rate removed
Attention top-tier sales professionals
PMP-Processing is seeking the best talent to join our winning team. We empower our agents with real training, real mentorship and a portfolio you own — unlimited earnings, personal growth and financial freedom.
Straight answers
Still not covered? Call us — a real person answers.
Next step
Send us one recent statement. We'll show you the true cost of your processing and what PMP can put back in your pocket.
60+ verticals placed & supported
