Clarity over cleverness
Every rate, fee, and term written so a busy owner can read it in a minute. If it needs fine print to be true, it doesn't ship.
About Merchafi
The processor that acts like a partner.
Merchafi exists for one reason: merchants should keep more of what they earn. We do it with transparent payment processing, point of sale that actually fits the counter, and funding on terms that make sense.
Our story
Built from a decade on the merchant's side of the counter
Merchafi started the way most good businesses do — with a frustration. After years inside payments and advisory work, our founders kept watching the same story: business owners signing processing agreements they couldn't read, paying for hardware they didn't need, and waiting on hold when something broke.
So we built the company we would have wanted as merchants. Transparent rates written in plain English. Hardware and point-of-sale systems sized to the business, not the commission. Funding through a lender network we vet ourselves. And a phone that gets answered by the person who set up your account.
Today Merchafi supports hundreds of merchants across a dozen industries — and the operating rule hasn't changed since day one: act like the merchant's side of the table, and the relationship takes care of itself.
Four rules we don't bend
What we value
The merchant's side of the table
We recommend what fits your sales mix — not what pays the highest commission. Your effective rate is our scoreboard.
Own it end to end
No outsourced support lines. The people who set up your account keep it, train your team, and pick up when you call.
Results you can measure
Payment processing, POS, funding, and the advisory to connect them — one team accountable for whether the whole system works, not just their slice.
Qualified on every side of the transaction
The certifications and affiliations behind the work — so you know exactly who is handling your money.
01
Acquiring & processor relationships
Independent merchant services with relationships across major acquirers — we place your account with the processor that fits your sales mix, not the one that pays us most.
02
POS platform certifications
Certified to configure and support leading point-of-sale platforms across retail and hospitality, from counter terminals to full back-office integrations.
03
Vetted lending network
A vetted lender network for working capital, equipment financing, and expansion — every referral reviewed against terms we'd accept ourselves.
04
Senior practitioner team
Senior consultants with backgrounds spanning payments, operations, and finance — the same people who advise on strategy are the ones who configure your hardware.
Next step
Meet the team behind your terminals.
Tell us how you take payments today — we'll tell you plainly whether Merchafi would make it better.
Start a conversation