About True Merchant
True Merchant is a woman-owned payment consulting company headquartered in Pittsburgh, Pennsylvania, dedicated to helping small and mid-sized businesses secure the right payment solution, competitive pricing, and dependable service.
As small business owners ourselves, we understand that payment processing can be confusing, expensive, and frustrating. Rates, fees, contracts, equipment, and technology can vary dramatically from one provider to another — and knowing what is actually best for your business isn’t always easy.
That’s where True Merchant comes in.
For more than a decade, we have served as a trusted advisor and advocate for business owners, using our industry relationships, experience, and expertise to evaluate options and recommend solutions based on what is best for each individual business.
True Consultation. Better Options. Better Payments.
We aren’t here to simply sell you a processing account. We take the time to understand how your business operates, how you accept payments, what you’re currently paying, and where opportunities may exist to improve your setup.
Our relationships with multiple payment-processing platforms and technology providers allow us to compare solutions instead of trying to force every business into the same program.
Our goal is simple: help you secure the best combination of rates, technology, service, and flexibility for your business.
What Matters to Us
Small business owners work hard for every dollar they earn. We believe they deserve transparency when it comes to the cost of accepting payments.
We help merchants understand:
- What they are actually paying to process payments
- Where unnecessary or excessive fees may exist
- Which pricing models make sense for their business
- What options are available to reduce or offset processing costs
- Which technology and payment solutions best support the way they operate
Our goal is to help you keep more of what your business earns — without sacrificing service, security, or technology.
What We Offer
Every business is different, and its payment solution should be too.
True Merchant provides customized payment consulting and processing solutions for businesses of all sizes and across a wide range of industries.
Whether you accept payments in-store, online, at the table, in the field, over the phone, or on the go, we help identify the technology and processing solution that fits your business today while giving you room to grow.
And our relationship doesn’t end once your account is set up.
We remain a resource for our merchants — helping with questions, reviewing costs, evaluating new technology, and advocating on their behalf when issues arise.
With True Merchant, you’re not just choosing a payment processor. You’re gaining a payment consultant who is invested in your business.
I called True Merchant today and spoke with Ruth Holt. We had a credit card transaction from Saturday that was not applied to our bank account from Saturday. Ruth called another Department and stayed on the line the entire time. We were then transferred to another department, and Ruth again stayed on the line to work out the issue with me. What an asset Ruth Holt is to the organization. She was helpful, courteous, and walked me through the entire process. I thanked Ruth for her superb customer service.
Cindy VescioPaladina Landscaping
The tutorial was very helpful and I love knowing that if I have any questions they are only a phone call away. No recordings, a live person ready and willing to help!
Cara Atkinson
We’ve tried other CC processing for our business but True Merchant has been the BEST! Lowest rates and most user friendly. Very happy with everything at True Merchant!!!
Leah Samara CullenResnick Roofing & Contracting
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I called True Merchant today and spoke with Ruth Holt. We had a credit card transaction that was not applied to our bank account from Saturday. Ruth called another Department and stayed on the line the entire time. We were then transferred to another Department and Ruth again stayed on the line to work out the issue with me. What an asset Ruth Holt is to the organization. She was helpful, courteous, and walked me thru the entire process. I thanked Ruth for her superb customer service.
Cindy VescioPaladina Landscaping
The tutorial was very helpful and I love knowing that if I have any questions they are only a phone call away. No recordings, a live person ready and willing to help!
Cara Atkinson
We’ve tried other CC processing for our business but True Merchant has been the BEST! Lowest rates and most user friendly. Very happy with everything at True Merchant!!!
Leah Samara CullenResnick Roofing & Contracting
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Next
Why Choose True Merchant
By partnering with True Merchant, you’ll have a trusted advisor in all things payment processing.
Once we’ve earned your business, you can count on our ongoing support and guidance. Customer satisfaction is our number one priority, and it’s our dedication to our clients that truly separates us from other providers. With True Merchant, you’ve found the last credit card processor you will ever need!
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