Merchant Services · Credit Card Processing
GET PAID. IN STORE. ONLINE. EVERYWHERE.
Credit card processing, POS terminals, online payments, ACH and high-risk merchant accounts — from a Houston, Texas team that explains your pricing up front. Start with a free review of your current processing statement.
- Houston, Texas
- Registered ISO / MSP
- In-Store · Online · ACH
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Ways to Get Paid
In-person, online, ACH & recurring billing
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Statement Review
A free, no-obligation look at what you pay today
ISO / MSP
Registered Merchant Services
Merchant accounts through our sponsor bank
HOUSTON, TX
Local Team
Serving businesses across the United States
Payment Solutions
Every way your customers want to pay.
Card-present, online, bank transfer and recurring billing — with one team helping you choose and set up the right mix.
01 · Card-PresentIn-Person & POS Payments
Terminals, POS systems & mobile readers
Accept chip, tap and swipe payments at the counter, at the table or on the go with equipment matched to how you sell.
Includes
- Countertop card terminals
- Point-of-sale (POS) systems
- Mobile & wireless card readers
- Contactless & mobile wallet acceptance
- EMV chip card acceptance
02 · Card-Not-PresentOnline & E-Commerce Payments
Payment gateway, virtual terminal & payment links
Take payments on your website, over the phone and by link with a secure payment gateway and virtual terminal.
Includes
- Payment gateway for your website
- Virtual terminal for phone & mail orders
- Payment links & hosted checkout
- Secure card-on-file payments
- Fraud screening tools
03 · Specialty UnderwritingHigh-Risk Merchant Accounts
For businesses mainstream processors turn away
Merchant accounts for industries that banks and mainstream processors consider high-risk — with honest guidance through underwriting.
Includes
- Subscription & membership businesses
- High-ticket & card-not-present sellers
- Travel, ticketing & future-delivery businesses
- Regulated & specialty industries
- Merchants with high chargeback history
04 · Bank & Billing PaymentsACH, Invoicing & Recurring Billing
eCheck, invoices, subscriptions & autopay
Get paid by bank transfer, send invoices customers can pay online, and bill repeat customers automatically.
Includes
- ACH / eCheck payments
- Online invoices with pay links
- Recurring billing & subscriptions
- Stored customer payment profiles
- Card and bank payment options
Free Statement Review
Do you know what you're really paying?
Processing statements are hard to read on purpose. Send us a recent statement and we'll show you exactly what you pay today — and whether there's a better setup for your business.
Line-by-line breakdown
We decode your statement so you can see every fee you're paying and why.
Your pricing model explained
Learn how your current provider prices your account and what your effective rate is.
A clear proposal
If we can offer a better fit, you'll get a written proposal you can compare side by side.
No obligation
The review is free. You decide what to do with it — switching is entirely up to you.
What you'll need
1–3 recent statements
PDF or photo. New to card processing? Skip the upload and tell us about your business.
How It Works
From statement to first sale.
A straightforward process with a real person guiding you through each step.
- 01
Step 01
Share Your Statement
Upload a recent processing statement, or tell us about your business if you're new to accepting cards.
- 02
Step 02
Review & Proposal
We break down what you pay today and recommend a setup and pricing structure that fits.
- 03
Step 03
Apply & Underwriting
We help you complete your merchant application and gather what underwriting needs.
- 04
Step 04
Start Accepting Payments
Once approved, we help set up your equipment or online tools so you're ready to take payments.
Industries
Built for the way you do business.
From corner stores to online brands to businesses other processors turn away.
01Retail & Boutiques
Fast, reliable checkout at the counter, plus the option to sell online and take phone orders from the same account.
02Restaurants & Food Service
Payments built around tables, tips, takeout and the lunch rush — from quick-service counters to full-service dining.
03E-Commerce & Online Sellers
A payment gateway and merchant account for your online store, with fraud screening for card-not-present orders.
04Professional & Medical Services
Invoices with pay links, card-on-file and recurring billing for practices, firms and consultants.
05Home, Auto & Field Services
Get paid on the job site, in the shop or by invoice — with mobile readers and payment links that travel with your crew.
06High-Risk & Specialty Merchants
Businesses that mainstream processors decline — reviewed honestly and prepared for specialty underwriting.
Where Are You Starting?
Wherever you are, we'll meet you there.
Pricing is built around your business type, card mix, volume and average ticket — so every proposal starts with understanding your business.
New Businesses
Opening your doors or accepting cards for the first time.
- Help choosing the right setup
- Guidance through your first application
- Equipment and online options explained
Switching Providers
Already processing and want to know if you're getting a fair deal.
- Free line-by-line statement review
- Side-by-side comparison
- Help planning a smooth switch
High-Risk & Specialty
Declined elsewhere, frozen funds, or an industry most processors avoid.
- Honest up-front assessment
- Application prepared for specialty underwriting
- Subject to underwriting approval
All merchant accounts are subject to credit and underwriting approval. How processing pricing works →
Security & Compliance
Protect every transaction.
Accepting cards comes with responsibilities. We help you put the right protections in place for how you take payments.
PCI compliance support
Guidance on meeting the card industry's data security standard (PCI DSS) for your setup.
EMV chip & contactless
Modern card-present acceptance built around chip and tap transactions.
Tokenized card storage
Card-on-file and recurring payments without keeping raw card numbers in your systems.
Fraud & chargeback tools
Screening options and practical advice that help you spot fraud and respond to disputes.
Houston · Texas · USAAbout Us
Merchant services from Houston, Texas.
INCHIP MERCHANTS is a Houston-based registered ISO/MSP helping businesses across the country accept payments with clear pricing, the right tools and a real team behind every account.
Free Statement Review
Ready for payments that make sense?
Send us a recent processing statement — or tell us about your new business — and we'll show you exactly what you're paying and what we'd recommend.