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Why Spearhead Merchant Services?

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Sylvana & Michael Murphy uncovered big savings for their small business. Now, they're sharing their family secret with you

Spearhead Merchant Services is proud to be your family owned and operated credit card processing solution

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Are you looking to eliminate costly credit card fees?

Our EDGE Program is your solution!

Eliminate or Reduce?

We offer programs that both eliminate or reduce your processing fees 

Follow these steps to see how our EDGE Program eliminates your expense

Business as usual

Your new equipment arrives pre-programmed and ready to plug and operate with the non-cash adjustment

Continue to accept all major credit cards and EBT where applicable

Full customer support

Our industry leading service team is here to help you every step of the way

Not that you'll need it!

How EDGE Works

While credit card fees cover operational expense, they also fund the rewards that we all love receiving when we shop

EDGE passes the fee back to the customer via a non-cash adjustment similar to sales tax

Unlimited flexibility

Enjoy complete control over your customer experience with the ability to waive the non-cash adjustment at checkout

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How it works?
The EDGE Program & Non-Cash Adjustments

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Cash discounting is a payment processing option that is rapidly gaining popularity with businesses large and small across the nation

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Cash discounting allows you to provide an incentive to cash buyers while eliminating almost all of your payment processing costs

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We provide branded signage stating that your posted prices are discounted for cash payments. For customers who choose to pay with a credit card, a non-cash adjustment of 4% will be automatically added

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The non-cash adjustment offsets your processing fees; growing your business's bottom line

Traditional Processing Solutions

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The lowest rates in town. Guaranteed

In addition to the EDGE Program, we're proud to offer the lowest rates you'll find anywhere for traditional payment processing services

How much can we help you save for what's really important?

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Complimentary Savings Analysis

No Cost, No Obligation

Apply today in 5 minutes or less

Our complimentary savings analysis gives you all of the tools you need to make the best decision for your business

Simply submit your most recent credit card processing statement to begin the analysis

You'll receive a minimum of two quotes:

  • The EDGE Program

  • Improved Traditional Rate Program 

Receive your complimentary savings analysis and decide if Spearhead Merchant Services is right for you

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But Wait, There's More!

Spearhead Merchant Services is proud to offer the following amenities to our business partners

A wide selection of

point of sale equipment

Next day funding

on all accounts

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Exceptional customer service We fired the robots!

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