The processor that puts your margin first. We build the right payment stack for your business, set it up, and stay on the phone when you need us. 5K+ merchants trust us to protect their margin.
Real humans on the phone · Transparent pricing · Built around your business
No bots, no auto-responders — a real human looks at your stack and writes back.
A PayMullet specialist just got your request. Expect a real reply shortly.
From boutique retail to high-risk gaming, we've paired merchants in every category with the right processor, terminal, and pricing program. Pick your industry — we'll bring the receipts.
The processor merchants choose when they’re done overpaying. We price you right, build the stack, and handle everything from your first swipe to your next expansion. One conversation. Every payment solution your business actually needs.
Card fees, passed compliantly to the card — not buried in your statement. Our 0% processing program is already running in thousands of US stores, with plain-English disclosure at the point of sale.
We set you up on Clover, Valor, or EPOS — configured for your business before it ships. No 40-page manual, no IT call required.
Browse terminalsAccept cards on your website through NMI or Authorize.Net — two of the most trusted gateways in the US. We handle the setup so you just take orders.
See gateway optionsHigh-risk doesn't mean hopeless. We place CBD, firearms, subscription, and other flagged businesses with processors built for your industry — at honest rates.
See high-risk optionsA merchant cash advance up to 150% of your monthly volume — no collateral, no lengthy bank process. Apply in minutes, fund in days.
Check eligibilityWhether you take payments or you build the tools that take them, we plug the right pieces together — and we run the boring parts so you don't have to.
Our 0% processing program passes the card-brand surcharge to the customer paying with credit — compliantly, with plain-English disclosure at the terminal. You keep 100% of the sale. Cash and debit customers pay no surcharge. If a traditional interchange-plus quote wins for your business instead, your specialist will say so.
A real onboarding timeline — not a sales funnel. Drop a statement today, ship a programmed terminal by the end of the week. No lease traps, no sales tower, no ticket queue.
Drop your last processing statement into the form. A specialist runs a free line-by-line audit — interchange, assessments, junk fees.
We don’t sell one stack. Your specialist designs the gateway and terminal that fit your ticket size, industry, and risk profile — processed in-house, end to end.
Application and underwriting move in under 24 hours on most files. We handle the paperwork — you approve the quote and sign once.
Your terminal is programmed and shipped within 72 hours of approval. Gateway goes live the same day it arrives. Your specialist stays on call — and unlocks same-week MCA capital when you’re ready to expand.
I was paying $3,200 a month in processing. My specialist put me on a compliant 0% program in 36 hours — now it’s closer to $180. Receipts and signage showed up the same week.
Two other processors shut us down for being nutra. PayMullet had us running on a high-risk MID in four days and funded a $180k MCA the week after. They don’t flinch.
We run five locations on Clover — all placed, programmed, and shipped by PayMullet for free. When I have a problem I text the same person who set me up. Not a 1-800 queue.
Your processing fees move from your bottom line to a small, clearly disclosed service fee added to card payments at checkout — signed, disclosed on the receipt, and capped within card-brand and state limits. We build the program compliantly from day one and give you the signage, receipt language, and training. Full details on pricing.
No. PayMullet is the processor, but we support the gateways and terminals that fit your business — Clover, Valor, EPOS Now, NMI, Authorize.Net, and more. Your specialist picks the right stack on day one and you keep your hardware if anything changes.
Most straightforward merchants are approved in 24 hours, with a programmed terminal shipped within 72 hours and live the day it arrives. High-risk verticals typically take 3–5 business days depending on underwriter response.
Yes — it’s a compliant surcharge/cash-discount program that passes the card-brand fee to the customer at the point of sale, with plain-English disclosure on the terminal and the receipt. It meets Visa, Mastercard, and applicable state rules. If your industry or state has a restriction we can’t work around, your specialist will flag it upfront and quote you interchange-plus instead.
Yes — 40+ verticals including nutra, CBD, firearms, ticketing, subscription boxes, travel, adult, and more. Most placements are approved within 3–5 business days once documentation is in. Start a placement conversation.
Processing merchants qualify for up to 150% of monthly card volume as a merchant cash advance. Funded same-week, paid back as a small percentage of daily processing (6–18% holdback, typical). No hard credit pull to pre-qualify.
We’re the processor. PayMullet underwrites, boards, and processes your transactions directly — not a sales office reselling someone else’s account. Because we run the back end ourselves, we can build the gateway and terminal stack around your business instead of forcing one rigid setup.
The three things merchants worry about most — and what actually happens.
If your current contract has an ETF, send us a recent statement. We'll quote your savings net of the ETF and tell you the actual break-even — usually 1–3 months.
Zero, for most setups. We program the new terminal before it ships and you swap it the morning your new MID activates. No closed register, no missed sales.
Your POS data, customer list, and reporting stay where they are. We move the processor underneath, not your software. Most Clover, Square, and gateway setups carry over with the same login.
Send your last statement, get a free line-by-line audit, and a same-day custom quote. If we can't save you money, we'll tell you.