Merchant Accounts
Competitive processing through FiServ, TSYS, and Global Payments — with local support from Carson City.
Payment Processing That Fits Your Business
Every business is different, and your payment processing should reflect that. At Sierra Merchant Solutions, we work with multiple processing platforms to find the best fit for your transaction volume, card mix, and business type. We don’t lock you into a single processor — we match you with the right one.
Supported Processing Platforms
FiServ (First Data)
One of the world’s largest payment processors. Reliable infrastructure, extensive reporting tools, and a wide range of integration options for businesses of all sizes.
TSYS (Global Payments)
Known for transparent pricing and excellent merchant support. Strong in both card-present and card-not-present environments with fast funding options.
Global Payments
A versatile platform with advanced reporting, multi-location support, and robust fraud protection. Ideal for growing businesses that need scalable solutions.
What Affects Your Processing Rates
Processing rates aren’t one-size-fits-all. Several factors determine your effective rate, and understanding them helps you make informed decisions:
- Card mix — Debit cards cost less to process than premium rewards cards. Your customer base directly impacts your average rate.
- Monthly volume — Higher volume often qualifies for better interchange tiers and lower per-transaction fees.
- Average ticket size — Small-ticket merchants may benefit from different pricing structures than high-ticket businesses.
- Business type and risk profile — Industry category (MCC code) and chargeback history influence available rates.
- Card-present vs. card-not-present — In-person transactions typically cost less than online or keyed-in transactions.
We analyze your current statements (free of charge) to show you exactly where your money is going and where there may be room to improve.
What's Included With Your Merchant Account
✓ Fast Funding
Next-day or same-day funding options depending on your processor and bank.
✓ Detailed Reporting
Online dashboards with transaction details, batch summaries, and monthly statements.
✓ Dispute & Chargeback Support
We help you respond to chargebacks and implement prevention strategies.
✓ PCI Compliance Guidance
We walk you through PCI requirements and help you stay validated year after year.
✓ Local Support
Based in Carson City. When you call, you talk to someone who knows your business.
✓ No Long-Term Contracts
We earn your business every month. Most of our merchant agreements are month-to-month.
Onboarding: What to Expect
Getting started with a new merchant account is straightforward. Here’s what the process typically looks like:
Consultation
We review your business needs, current processing, and goals.
Application
Simple application with basic business docs (EIN, bank info, ID, voided check).
Approval
Most accounts approved within 24-48 hours.
Go Live
Equipment configured, gateway activated, and you’re processing.