A Smarter Alternative to Stripe
Stripe is great for developers, but its flat fees and rigid pricing aren't built for growth. MerchantMint helps you migrate off Stripe easily — retaining your tools while reducing costs.
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Clear, Margin-Friendly Payment Processing
Take control of your credit card fees with transparent, no-lock-in processing — built for modern businesses.
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Trusted by partners and customers
Why MerchantMint?
MerchantMint helps businesses of all sizes manage their margins with confidence.We offer clean, transparent pricing — no confusing rates, hidden markups, or lock-ins. With PayBright as our processor, you get top-tier infrastructure — with our transparent, merchant-first approach.
Transparent Pricing
Keep your existing POS (or let us upgrade it)
No long-term contracts
Fully PCI-compliant and secure
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Confused About $0 Fee Processing?
Here’s the Truth Behind the Marketing. MerchantMint supports compliant cash discounting and surcharging – but we don’t rely on gimmicks, misleading terms. But more importantly, we give you modern tools, transparent pricing, and full control of your margins — so you’re never locked into bad deals or unpredictable costs.
-Fully compliant surcharging (credit only)
Cash discount programs with transparent setup
No proprietary hardware or forced rate hikes
Clear disclosures for legal and customer protection
Maintain trust while protecting your margin
Optional: Stripe migration, Level 2/3, and high-risk support
"Zero fee" should never mean zero flexibility With MerchantMint, you stay in control.
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Lower rates, flexible pricing
Stripe alternative with better rates and flexibility
Transparent fee breakdown
Transparent breakdown of every fee and margin
No developer required
No developer needed to get started
Keep your stack or upgrade it
Keep your favorite toolsor upgrade your stack
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Built for Advanced Use Cases
Whether you run a SaaS business, professional service firm, B2B sales operation, or specialty merchant, MerchantMint can handle it.We even handle Level 2 and Level 3 transaction types for business/commercial cards, and we areadept at high-risk options as well.
Support for Level 2/3 transactions
High-risk merchant services available
ACH, invoicing, subscriptions, and more
White-glove onboarding if needed
Frequently Asked Questions
Got questions? We’ve answered the most common ones to help you feel confident and informed before getting started.
How do your fees work?
We charge a transparent, flat rate with no hidden markups. You'll always know exactly what you'repaying - and more importantly, what you're saving. No long-term contracts, no surprise rate hikes.
Is this service right for me?
If you process credit card payments and care about controlling your margins, MerchantMint is likely a strong fit. We work with retail, restaurants, professionals, online stores, B2B, and even high-risk merchants.
What makes you different from other financial advisors?
We're not financial advisors - we're merchant advocates. MerchantMint gives you direct pricing, lets you keep your existing system, and offers full transparency on every fee. We help you save - and understand exactly how.
Can I cancel or change my plan anytime?
Yes. You're never locked in. We don't use long-term contracts, cancellation fees, or early termination penalties. You can scale up, switch, or walk away at any time.
How soon can I see results from your services?
Typically within 1-2 billing cycles. We can show you projected savings within a day - and if you switch, you'll usually see the impact on your very first statement.
Want to See Real Savings?
Send us your most recent statement — or just tell us your average monthly volume. We’ll give you a clear breakdown of where you’re overpaying and what you could save with MerchantMint.
Location
Bay Area, California
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