Minneapolis, MN

Credit card processing for Minneapolis businesses

We set up card payments for businesses all over Minneapolis — coffee shops in Northeast, salons in Uptown, contractors working out of a truck. You get a real person on the phone, a machine that arrives ready to use, and your money in the bank the next business day.

Book a free review 763-280-3155

Barista at a Minneapolis coffee shop counter handing a card reader to a customer paying with a tap

Typical approval time: 1 day
Money in your bank: Next day
Card machine cost: $0
Long-term contract: No

Quick answer

Minneapolis businesses can accept credit cards through a local merchant account with one flat rate, free card machines and next-business-day deposits. Setup usually takes about one business day once we have a recent statement or a few basic details.

Why Minneapolis owners switch to us

Most owners we meet in Minneapolis aren't unhappy with card payments — they're unhappy with not knowing what they pay. Their statement has a dozen line items, the rate changed twice last year, and nobody answers when they call. We start by reading your last statement out loud with you, in plain English, so you can see exactly where the money goes before you decide anything.

Downtown and North Loop businesses tend to care most about speed at the register during lunch rush. Uptown and Northeast shops care about tips and repeat customers. Contractors in the city care about getting paid before they drive away. The pricing is the same either way; the hardware and setup change to match how you actually take money.

Reviewing a credit card processing statement with a Minneapolis business owner

How setup works in Minneapolis

Step one is a short call — usually 15 minutes. Send a recent processing statement if you have one, or just tell us roughly what you run in card sales each month. Step two, we put your numbers next to ours in writing so there's nothing to guess at. Step three, if it makes sense, we open the account and ship the machine.

Machines arrive already programmed for your business, so you plug them in and take a payment. If you use a register or online store already, we connect to it instead of asking you to replace it. If something goes wrong at 6pm on a Friday, you call the same number you always call and get a person who knows your account.

Cash discount is popular here

A lot of Minneapolis shops, food trucks and salons now run a cash discount program: you post one price, customers who pay cash get a small discount, and card processing costs stop eating your margin. It's clearly signed at the register and it's legal in Minnesota when it's set up correctly — we handle the signage and the receipt wording so it is.

If a cash discount doesn't fit your customers, flat-rate pricing is the fallback and it's still simple: one percentage, one monthly statement, no surprise line items.

Salon front desk in Minneapolis taking a card payment on a tablet reader

How to start taking cards in Minneapolis

1
Send a recent statement
Email us your last processing statement, or just tell us roughly what you run in card sales each month.
2
See the numbers side by side
We put your current cost next to ours in writing, so you can decide without a sales pitch.
3
Plug in and take a payment
Approval is usually about one business day, and the machine arrives programmed for your business.

Most Minneapolis accounts are live within one business day.

Who we set up in Minneapolis

Restaurants and cafes

Tip prompts, split checks and handheld terminals so servers can take payment at the table instead of walking cards to a counter.

Retail and boutiques

Countertop terminals and tablet registers that connect to the POS you already use, with tap, chip and mobile wallets built in.

Salons, spas and studios

Card on file for regulars, easy tipping, and simple daily totals you can check from your phone.

Contractors and home services

Handheld readers that take payment on the job site, plus text-a-link invoices so customers can pay before you leave.

Areas we cover around Minneapolis

DowntownNorth LoopUptownNortheastLyn-LakeDinkytownLinden HillsLongfellow

Nearby communities we also serve

St. Louis ParkEdinaRichfieldBloomingtonGolden ValleyRobbinsdaleBrooklyn CenterColumbia Heights

Not on the list? We still cover you. Call 763-280-3155 and we'll confirm in a minute. You can also read how zero-fee processing works, compare processing fees, or see our full service area.

Questions from Minneapolis owners

How do I start accepting credit cards in Minneapolis?

Send us a recent processing statement or a few basic business details, and we'll open a merchant account for you. Most Minneapolis businesses are approved in about one business day, with a card machine shipped ready to use.

How fast do Minneapolis businesses get their money?

Card sales batch out at the end of your business day and land in your bank account the next business day. Friday sales typically deposit on Monday.

How much does credit card processing cost in Minneapolis?

You pay one flat percentage on card sales with no monthly terminal lease. Many Minneapolis owners cut that cost to near zero with a cash discount program, where cash customers get a small posted discount.

Do you charge a monthly fee or lock me into a contract?

No long-term contract and no terminal lease. You get flat pricing, and if it stops working for you, you can leave without an early termination fee.

Can you install the machine at my Minneapolis location?

Yes. For most Minneapolis and Twin Cities addresses we can walk you through setup on the phone in a few minutes, and if you'd rather have someone stop by, we'll arrange a visit.

Do you work with food trucks and pop-up markets in Minneapolis?

Yes. Mobile readers work over cellular or Wi-Fi, so you can take cards at farmers markets, festivals and events without a fixed counter.

Can I keep my current register or POS?

Usually yes. We connect to most common registers and online stores. If yours can't be connected, we'll tell you before you sign anything.

Do you support businesses outside Minneapolis?

Yes. We work with businesses throughout Minnesota and nationwide, with the same pricing and the same support line.

Talk to someone local

Call or email and we'll review your current statement and tell you honestly whether we can beat it.

763-280-3155 info@yourmerchantsolution.com

Other areas

Helpful guides

Send us your last statement

Email us a recent processing statement and we'll show you, line by line, what you're paying now and what you'd pay with us. No pressure, no sales pitch.

Get Started Call us: 763-280-3155