Minnesota, MN

Merchant services and card processing across Minnesota

We work with businesses across the whole state, the Twin Cities metro, Rochester, Duluth, St. Cloud, and small main streets in between. Same deal everywhere: clear pricing, hardware included, and a person who picks up the phone.

Book a free review 763-280-3155

Owner of a small-town Minnesota hardware store ringing up a customer on a countertop card terminal

Coverage across MN: Statewide
Money in your bank: Next day
Card machine cost: $0
Long-term contract: No

Quick answer

Minnesota businesses can get a merchant account with flat-rate pricing, included card machines and next-business-day deposits. We serve the Twin Cities metro and the rest of the state, with setup typically finished in about one business day.

One processing rate across Minnesota, metro or up north

A shop in Duluth shouldn't pay more than a shop in Edina because it's further from the office. Our pricing doesn't change by zip code. Whether you're on a main street in Willmar, a resort road near Brainerd or an industrial park in Rochester, you get the same flat rate, the same included hardware and the same support line.

For seasonal businesses, resorts, orchards, festival vendors, snow removal, we set the account up so quiet months don't cost you monthly fees you're not using. Tell us your season and we'll build around it.

Reviewing a credit card processing statement with a Minnesota business owner

Card machines built for Minnesota weather and seasonal sales

Countertop terminals for fixed registers. Tablet systems for restaurants and retail that need menus, items and reporting. Handheld and mobile readers that run on cellular for job sites, farmers markets, curbside pickup and outdoor events, which matters when half the year is spent outdoors and the other half isn't.

Online and over-the-phone payments are included too, so a customer in another state can pay an invoice the same day you send it.

Local Minnesota support instead of a call center queue

We're based in Minnesota and we answer our own phone at 763-280-3155. That means someone who knows your account, your hardware and your season, not a script. If a terminal fails during your busiest weekend, that difference is the whole point.

We'll also review your current statement for free, anywhere in the state, and tell you honestly whether switching is worth it.

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

How to start accepting credit cards in Minnesota

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
Step 2: Compare your rates side by side
We put your current cost next to ours in writing, so you can decide without a sales pitch.
3
Step 3: Plug in and take your first payment
Approval is usually about one business day, and the machine arrives programmed for your business.

Most Minnesota accounts are live within one business day.

Businesses we set up in Minnesota

Retail

Registers and terminals for single shops or several locations, with reporting in one place.

Food and beverage

Counter service, table service, food trucks and seasonal stands, whatever your setup, there's hardware for it.

Health and wellness

Recurring payments, memberships and card on file for clinics, gyms and studios.

Trades and field service

Take payment where the work happens with handheld readers and payment links.

Neighborhoods and areas we serve around Minnesota

MinneapolisSt. PaulBloomingtonRochesterDuluthSt. CloudEden PrairieMaple GrovePlymouthWoodbury

Nearby Minnesota communities we also serve

MankatoMoorheadWinonaBrainerdAlexandriaHibbingWillmarOwatonna

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.

Credit card processing FAQs for Minnesota businesses

How do I start accepting credit cards in Minnesota?

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

How fast do Minnesota 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 Minnesota?

You pay one flat percentage on card sales with no monthly terminal lease. Many Minnesota 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.

Do you serve businesses outside the Twin Cities?

Yes, Rochester, Duluth, St. Cloud, Mankato, Brainerd, Moorhead and small towns across Minnesota. Pricing and support are identical to the metro.

Can you handle a seasonal business?

Yes. Seasonal shops, resorts, orchards and event vendors can run without paying for months they aren't open. Tell us your season and we'll set the account up around it.

Do you support businesses with more than one location?

Yes. Multiple locations can run under one account with reporting in one place, so you can compare stores without logging into separate systems.

Do you support businesses outside Minnesota?

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

Talk to a local Minnesota payments specialist

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