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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.
Data compiled from public sources
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.
This is state-level context for Business Loans consumers in Orlando, FL. It does not confirm that Global Merchant Services or this specific location is licensed.
State regulator
Florida Office of Financial Regulation
Consumer protection
Status: Permitted
Rate context: 18% APR for loans under $500,000; no cap for loans $500,000 and above
Personal loans are regulated under Florida's usury laws (Fla. Stat. § 687.02). The Office of Financial Regulation oversees licensed lenders.
Status: Permitted
Rate context: Tiered rate caps under the Florida Consumer Finance Act (Fla. Stat. § 687.101-687.308): rates vary based on loan amount and structure; maximum rates generally range from 18-25% depending on loan size and repayment terms
Installment lenders must be licensed by the Office of Financial Regulation. The Consumer Finance Act establishes specific rate schedules for different loan amounts.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Global Merchant Services offers 12 services including Credit card merchant services (Visa, MasterCard, American Express, Discover), Debit and check card processing, EMV smart chip card terminals and NFC payment processing, POS terminals (Poynt and E700 models), Mobile and wireless payment terminals, and 7 more.
Global Merchant Services is best suited for Multi-location retail and restaurant businesses seeking consolidated payment processing, Medical practices and professional service firms needing specialized payment solutions, E-commerce and mobile businesses requiring flexible, wireless payment capabilities, Businesses exploring merchant cash advance or small business loan products alongside payment processing.
Key strengths: Offers multiple funding options including merchant cash advances and business loan programs in addition to payment processing; Serves diverse business types (retail, restaurants, medical, law firms, e-commerce, public sector, home-based); POS terminal solutions advertised at low cost ($2/day for Poynt terminal). Areas to consider: Website lacks transparent pricing details—claims of eliminating 'all fees' are vague and undefined without direct contact; Minimal customer testimonials (only 2 recommendations visible) and no third-party reviews or ratings provided.
In the Business Loans category, comparable providers include Automotive Fresh Start Center, Cocard, Florida First Capital Finance. Each company has different strengths — compare services, pricing, and consumer complaint records to find the best fit.
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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.
Auto lender specializing in vehicle financing for consumers with challenged credit, active bankruptcy, or no credit history. Offers direct-to-door delivery and works with multiple lenders to secure approval.
Best for: Consumers in active Chapter 7 bankruptcy seeking to purchase a vehicle during the filing process, Recently discharged bankrupts (within 1-2 years) unable to qualify for bank/credit union auto loans
Payment processing network of owner-operated ISOs offering credit/debit card terminals, mobile processing, and merchant services since 1999.
Best for: Small retail and restaurant businesses seeking payment processing with lower overhead costs, Mobile vendors, food trucks, and outdoor event merchants who need wireless or portable terminals
SBA 504 lender serving Alabama, Florida, and Georgia with fixed-rate commercial real estate, equipment, and debt refinancing loans for small businesses.
Best for: Established small business owners purchasing or expanding commercial real estate with 10%+ equity available, Companies seeking to refinance existing commercial debt at lower rates without business expansion plans
Answer 3 quick questions to see if this provider matches your needs.
1. What's your primary financial goal?
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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.
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.
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.
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.
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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