Orlando-based merchant services provider offering payment processing, POS terminals, and business cash advance/loan programs for businesses of all sizes across the US and Canada.
Editorially reviewed by Harvey Brooks
Global Merchant Services is an established merchant services company headquartered in Orlando, Florida, serving small and mid-sized businesses across the United States and Canada. The company positions itself as a specialized provider in the merchant services industry with a stated focus on personalized client service and understanding unique business needs across diverse sectors.
The company's service portfolio extends beyond traditional payment processing to include credit card merchant services (Visa, MasterCard, American Express, Discover), debit and check card processing, EMV smart chip card terminals, mobile and wireless payment solutions, point-of-sale (POS) systems, e-commerce and virtual terminals, merchant cash advances, and business loan programs. They also offer ancillary services including ACH check processing, gift and loyalty cards, NFC payments, EBT processing, and ATM machine services. Their POS terminal offerings include the Poynt EMV/NFC terminal and E700 smart POS terminal, marketed at approximately $2 per day.
Global Merchant Services emphasizes customized solutions tailored to specific business verticals including restaurants, retail, medical practices, law firms, home-based businesses, mobile operations, e-commerce, and public sector organizations. They advertise eliminating credit and debit card processing fees, annual fees, PCI fees, and monthly minimums, with no contracts or startup fees. The company claims to differentiate itself through dedicated account management and technological innovation in payment processing.
However, the website provides limited independent verification of claims, no transparent pricing details, no testimonials beyond two recommendations on Alignable, and minimal information about actual terms, rates, or customer experience. The assertion of "potentially eliminating all processing fees" requires direct inquiry to understand realistic scenarios and conditions. The company's leadership team information is absent from the provided content, and there is no published information about regulatory compliance, dispute resolution processes, or customer satisfaction metrics.
Yes. Global Merchant Services is a registered company headquartered in 121 S Orange Ave, Orlando, FL 32801. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
Global Merchant Services is best for established businesses needing integrated payment processing with access to alternative funding products like merchant cash advances. The primary caveat is that the company's website lacks transparent pricing and meaningful customer validation; prospective customers must contact directly to understand actual fees, terms, and approval likelihood for cash advance/loan products, as marketing claims of eliminated fees require specific clarification.
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the fastest way to reduce your total cost and pay off a loan early.
Example
You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.
Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.
Example
You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.
A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.
Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.
Example
A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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