Payment Simplified
Florida Merchant Services is the highest rated credit card processor in the Florida area. We have consulted thousands of businesses over the years and saved millions of unnecessary junk fees to small business owners. We offer clients single solution for end-to-end payments, data, and financial management. Meet the financial technology platform that will help you achieve your goals quickly. Our team of agents can provide support in not only English but also Spanish and Mandarin.
WE OFFER NO CONTRACT
There is no penalty if you decide to close you account. Simply return the equipment.
NEXT DAY DEPOSITS
With deposits posted by 7 PM, money is available the next day.
FREE LOANER EQUIPMENT
Free standard equipment on loan for the duration of your service.
LOWEST RATE PROCESSING
We work hard to make sure you get the lowest rate possible for your business risk category.
Our Vision
“To be recognized as the standard for customer satisfaction.”
"Work at everything you do with all your heart. Work as if you were working for the Lord, not for human masters."
- Colossians 3:23
Locally Owned and Operated
Get the help you need fast. Don't settle for card processing with an 800 number for customer support. When a need arises, contact one of our skilled local experts who can offer you solutions immediately.
3 Common Disputes and How to Prevent Them
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Our Partners
Looking for top-notch IT solutions to safeguard and optimize your business in Central & Southwest Florida? Look no further than Computer Screen Investigators! With over a decade of experience, founder Nicholas Barraco's expertise and passion for IT have driven the company to provide exceptional managed services and cybersecurity solutions. Whether you're a small business owner or a medium-sized enterprise, Computer Screen Investigators offers comprehensive IT support, from proactive monitoring and data compliance to expert cybersecurity solutions. Worried about cyber threats? Their "Hacker-Proof Site Assessment" provides a free analysis of your security vulnerabilities, helping you understand and fortify your systems against potential breaches. With a dedicated team of certified professionals and an array of industry certifications under their belt, including PCI QIR, Net+, A+, Security+, Cloud+, Linux+, and more, Computer Screen Investigators is your trusted partner for all your IT needs.
LIFE Outreach International, driven by its Christian faith, is fervently committed to sharing God's love through both words and deeds. With a multitude of transformative initiatives, from the Christmas Shoe Project's joyful gift of new shoes to corrective surgeries through Christmas Smiles, LIFE's efforts radiate hope and healing. Through programs like Water for LIFE and Mission Feeding, they provide essential resources to communities worldwide, while Mission:RescueLIFE fights against human trafficking. Crisis Relief aids disaster-stricken regions, and evangelism spreads the message of salvation. Anchored by the impactful LIFE TODAY TV program and a dedicated network of believers, LIFE Outreach International epitomizes faith-driven action, bringing love, hope, and healing to a world in need.
Merchant Services Payment Solutions
FMS is a reseller of Clover™ business management solutions. Clover combines flexible, scalable point-of-sale software, more than 300 apps, and a variety of hardware options (Station, Mini, Mobile and Flex) to deliver the most powerful, yet affordable, business management solutions in the industry. For customers not yet looking for a smart terminal or a full business management solution. Florida Merchant Services also offers a wide variety of traditional, EMV-compatible terminals, all at excellent prices.
State of the Art Credit Card Processing
We are the Central Florida technology leaders in POS systems. We work closely with our providers to ensure our customers have the most up-to-date equipment. When it's time for an update, a local representative will work with you for a seamless transition.
Lowest Rate Card Processing in Central Florida
You'll never have to shop for rates again with the Florida Merchant Services lowest rate card processing solutions. Nobody can beat our rates, and our outstanding customer service will make you a lifelong customer.
Join the thousands of other small business owners who have discovered FMS and switched to the lowest rate credit card processing for small businesses.
Excellent Rates for Small and Mid-Sized Businesses
We understand that running a business is expensive and time consuming. We guarantee that our rates are the lowest available in Central Florida. We go the extra mile to keep costs low for our clients while expanding their credit capability.
More Satisfied Customers than any other Merchant Processing Service in Central Florida.
Our local skilled team is here to help you every step of the way. Making your business better is our priority.
"Jamaar is a professional at his job. Honesty from day one. I waited a good while before writing a review just in case my service dropped off. The service became better as time went on. Jamaar always answers his phone and is always eager to help when needed. To me, Jamaar is the face of Florida Merchant Services. Lucky to have him."
Autoplexx
"Professional, knowledgeable and reliable service! The Florida Merchant Services team is always available for their customers and backed with extensive experience and resources. As a business owner & customer, there is no other organization I would rather have and trust with my merchant processing. I recommend FMS to all my clients!"
Jackie C
“Florida Merchant Service was there at a time we needed the most. We are by all means indebted to them for their fast assistance, support and efforts to keep our business open and thriving during such a crucial time. ”
Sam Bassam
Virtual Terminals
Our Virtual Terminal provides all of the same great features as the eCommerce integration via the merchant web-portal. Sign in and run your business by collecting payments over the phone or through the mail all while using our Virtual Terminal to manage all of your processing in a secure and organized way.
Low-Risk, Medium-Risk, High Risk Card Processing
High-risk? Give us a call for details on how to lower your costs
Because we are a skilled and reputable payment processor, we make sure all customers benefit from the lowest possible rates and the best terms for merchant accounts and credit card processing in the Central Florida market.
Florida Merchant Services meets with each and every business owner to learn how to best serve their unique needs.
Meet Our Family
Because of the close relationship we foster with our customers, we refer to them as our family. With over 20 years of combined industry experience within our leadership in the payment space, we are truly experts when it comes to credit card processing.
FAQS
Here are answers to some common questions.
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Florida Merchant Services is a registered ISO of PNC Bank, N.A., Pittsburgh, PA – Member FDIC.
Florida Merchant Services is a contracted Partner of the First Data (and/or Clover) Solutions. This web page or website is not an official page of First Data Corporation, Clover, its subsidiaries or affiliated businesses.
Florida Merchant Services is a registered ISO of Citizens Bank, N.A., Providence, RI
