Welcome to MerX Payments A Revolution In Merchant Services

MerX Payments provides business leaders with insight and knowledge necessary to navigate the payments landscape and select the most cost-effective and efficient payment processing solutions. With over a decade of experience within the Retail, Hospitality, Business to Business, Non-Profits, eCommerce, and Mobile sectors, MerX Payments’ professionals help drive overall operational efficiency, improve risk management, and increase customer retention.

Utilizing a holistic, service-oriented approach to formulate customized solutions, MerX Payments creates competitive pricing strategies that lower costs and increases profits. All while keeping cybersecurity and PCI Compliance a top priority. These innovative customer solutions are the tenants that make MerX Payments the preeminent Xpert Payment Xchange.

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What is an Xpert Payment Xchange?

Frequently Asked Questions?

Put simply, a merchant account is the bank account that allows a business to accept credit cards or ACH (e-check) payments.

A signer (person who accepts responsibility for the account) with a driver’s license or other government-issued ID, such as a passport.

A copy of a voided business account check or a bank letter with your company’s name, account number, ABA bank number and signature from a bank officer.

Proof of marketing material, such as a website, advertisement or sales sheet.

Depending on the processing volumes requested, you may be required to provide additional information, such as bank statements and financial records.

How long does the approval process take?
Processing time is approximately 24 hours or less after all necessary application information is received. Once approved, we will notify you immediately and deliver your terminal equipment or software.


We accept most retail, professional, trade show, mail order, telephone order, internet-based, and home-based businesses and some high risk categories.

Yes, if you are a corporation. If you are a sole proprietorship, you may use either your business or personal checking account.

Technically, your personal credit score does not affect your merchant account rates, but if you have a low credit score there is the possibility that you may not be eligible. In these cases, we may have a high risk solution to offer.

We're impacting businesses bottom line. Are you ready?

Testimonials

Last year was very trying, however, you, Jeff and [the processor] were there to help us navigate a very difficult time. Thank you, thank you, thank you.

Alfred(CFO/Controller)

A pleasure to work with! Debbie communicates effectively, and goes out of her way to make sure she is doing right by you. Couldn't recommend her enough. Thanks Debbie!

Dr. Christopher(Chiropractor)

  • Last year was very trying, however, you, Jeff and [the processor] were there to help us navigate a very difficult time. Thank you, thank you, thank you.

    Alfred(CFO/Controller)

  • A pleasure to work with! Debbie communicates effectively, and goes out of her way to make sure she is doing right by you. Couldn't recommend her enough. Thanks Debbie!

    Dr. Christopher(Chiropractor)

  • Debbie came into my business and not only saved me money on my credit card processing, but also provided me with excellent service, and she continues to follow up on any issue that has come up quickly and effectively. She's a pleasure to work with and I have recommended her to other businesses I know who are looking for credit card processing and i would do so again in a heartbeat.

    David(Owner & President)

  • Debbie has built a long-term relationship with us and many other organizations with which I am familiar, by going above and beyond anyone's expectations in the services she provides. She is dependable, efficient and attentive to all her client's needs. Most highly recommended.

    Patti(Marketing Manger, Web Master)

  • I have known Debbie personally and professionally for many years. She is a dynamo and a pleasure to work with! She has saved us lots of money on financial fees for our credit card service and we are a lucky Company to work with Debbie and her team!

    Sarah(Owner & Photographer)

  • Debbie is very knowledgeable about the various options available for people who need to process credit and debit card payments.  She is a very hard working and conscientious. We have worked together on projects at the Morris County Chamber. She is a joy to work with.

    Allan(Business Architect and Strategist)

  • Debbie is a high energy go-getter! She has been very responsive when I have passed opportunities to her for my clients. The proposals have also very competitive. Talk to Debbie if you're looking at your credit card processing!

    Rich(Owner & CFO)

  • Debbie was "quick to respond" to a Client we had and for whom we were building a low-impact eCommerce website. Her ability to manage both the Client's needs and coordinate the appropriate technicians/talent who needed to speak in order to get this job done were exceptionally well-executed. Debbie is a professional who does "what's right" for the situation, but also does it with class.

    K. Daniel(Founder, Business Advisor)

  • I just ran our first credit card using the [virtual online tool]. It was awesome. I did it right from my computer and printed the receipt to put in the patient chart!!!

    Trish(Business Manager)

  • Thank you for always be so efficient Debbie! You are such a joy to deal with and I wanted you to know how much I appreciate it! 🙂 Thank you, -Mary

    Mary(AR-Credit/Cash App Manager)

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