Small Business Credit Card Processing & POS
Experience The
Effect
Powered by real people. Building genuine partnerships. Merchant payment processing redesigned around trust, transparency, and your bottom line.
Introducing The 
Stack!
FREE software and equipment customized for your industry.
Same platform, configured differently for every business we set up. You get the tools your day actually runs on and none of the ones you'd never open.
Difference
Built On Trust. Not Contracts.
At PayMint Solutions, we value lasting relationships over short term gains. Our mission is to educate and empower merchants with the knowledge and tools they need to make confident decisions. We keep things simple - no confusing jargon, no hidden agendas - just clear solutions designed around your business. Above all, we treat every merchant with the respect and honesty they deserve, because real partnerships are built on trust.
Trust & Transparency
We offer a different approach to merchant processing that puts our relationship and your best interests first. We believe that a partnership is only as strong as its foundation. For us, "relationship-first" isn't just a marketing buzzword, it's our business model. By aligning our success with yours, we ensure that every piece of advice we give and every tool we provide is designed to help your bottom line.
No Contracts — Ever
At PayMint Solutions, we pride ourselves on a no-contract approach. We believe in empowering businesses to make their own choices, which is why we don’t lock you into long-term agreements. Our confidence in providing exceptional solutions and real, personable customer service means you’ll choose to stay with us because you want to, not because you have to. Join us today and experience this refreshing approach to merchant services!
Personal Agent Support
We believe that your business deserves more than just a faceless ticket number. That’s why we offer a Personal & Dedicated Agent as your reliable partner in payments. Our commitment is to know your business inside and out, ensuring you get customized solutions that meet your specific needs. With your personal Agent by your side, we're not just resolving issues; we're building a strong partnership that empowers your business to thrive.
Everything below is included.
One platform instead of four subscriptions that don't talk to each other. Every feature here writes back to the same customer record and the same sale.
Point of Sale
Take payments and manage transactions from the terminal, a tablet or your phone.
Products & Inventory
Organize what you sell and keep stock counts tied to every checkout automatically.
Appointments
Customers book themselves in while your team manages availability in one calendar.
Invoicing
Create, send and collect invoices without paying for a second piece of software.
Memberships
Set up recurring plans and packages, then bill and manage them in the same system.
QuickBooks Sync
Sales and inventory flow into your books so month-end stops being a data-entry job.
And Much More
Customized solutions to fit your business needs.
*Additional features and capabilities beyond the core set may carry an added fee, and pricing varies with the solutions you choose. Your PayMint rep will build you a written estimate for your business before anything is signed.
Configured for how your business actually runs.
A salon and a warehouse both need to take a card. Almost nothing after that is the same. We set the stack up around your workflow, not a generic template.
Salons & Barbers
Chair-level booking, service menus, tip prompts, rebooking reminders and commission tracking by stylist.
Dog Groomers
Pet profiles with breed and cut notes, deposit-backed appointments, no-show protection and retail add-ons at checkout.
Fitness & Studios
Recurring memberships, class packs, front-desk check-in and failed-payment recovery that runs on its own.
Full Service Restaurant
Whether you operate a food truck, a sandwich shop, including coffe shops & cafes, we have the "Stack" for that.
QSR / Fast Casual
Whether you operate a food truck, a sandwich shop, including coffe shops & cafes, we have the "Stack" for that.
Catering
Schedule events, product inventory, track sales, Invoicing, and customer management all in one system.
Retail Shops
Barcode scanning, variants and sizes, purchase orders, and low-stock alerts before you sell out of the good one.
Trades & Services
Estimates that convert to invoices, deposits up front, on-site card and tap payments, and progress billing.
Walk away from the counter. Take the business with you.
The merchant app puts the whole operation on your phone. Check the day's activity, look up a customer, handle a schedule change, approve something from the parking lot.
Your customers get their own app too, which quietly removes a lot of phone calls from your week.
- Customers book and reschedule their own appointments
- Memberships managed without calling the front desk
- Invoices paid from the phone, not left on a counter
- Account and visit history always in their pocket
You get a person, not a support queue.
PayMint sets the system up, trains your staff on it, and stays your point of contact afterward. Same rep, same number.
Risk free to start
No software cost and no equipment cost to get running. If it isn't right for you, you haven't bought anything.
Built to grow
Add locations, staff, features and terminals as you need them. Your data and your customer history come along.
Support that answers
Professional support behind a local rep who already knows your setup and doesn't need it explained again.
Explore Our
Pricing Solutions.
Eliminate Credit Card Processing Fees.
Rising card acceptance costs have driven business owners to adopt differential pricing strategies to pass processing fees directly to customers based on their payment choice.
Dual Pricing
Keep 100% of your sale. This is the program used by most businesses today, because it allows you to establish a Cash Price and a Card Price. Dual pricing let's you effectively eliminate the cost of both credit and debit acceptance fees. Display two prices for each item - a cash price and a card price. The card price includes processing costs.
Key Points:
- Both prices clearly displayed
- Card price is the posted price
- Cash price is a discount
- Full transparency for all
- Customers choose how to pay
Cash Discount
A cash discount exists when you offer a discount from the listed / regular price when the client checks out. This program could be a great fit if you can implement a price increase across all items quickly and easily, then provide a discount at checkout. List price includes the 3-4% cost of credit card processing. Cash customers receive the discount automatically.
Key Points:
- No fees or surcharges added
- Cost built into list price
- Cash customers save 3-4%
- Discount applied at checkout
Surcharging
Involves adding a line-item fee at the counter, which is heavily regulated. Surcharges cannot exceed 3%, must apply exclusively to credit cards (never debit or prepaid cards, even if run as credit), and require a compliant platform that checks the card type prior to authorization. Surcharging is best suited for businesses with high average transaction tickets.
Key Points:
- 3% fee cap
- Credit cards only
- Simple and compliant
Traditional Pricing
Not every business needs a fee-shifting program. For merchants who prefer a simpler, more traditional approach, we offer flexible pricing options built to fit the way you do business.
Whether you want the transparency of Interchange Plus, the familiarity of Tiered Pricing, or a straightforward Flat Rate model, we tailor the structure to your sales volume, average ticket, and long-term goals—so you get pricing that feels practical, competitive, and easy to understand.