Our Work
Merchant Max uncovers hidden problems faced by business owners through thorough reviews of each business case, revealing solutions to problems they never knew existed. With a keen understanding of the marketplace, Merchant Max empowers entrepreneurs to take more ownership of their credit card processing.
Health Insurance Companies Brokers & Affiliates
The Problem
Health Insurance companies / brokers / affiliates pay some of the highest fees in the payment processing industry.
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Credit card networks and processors often treat you as “high risk,” inflating your fees well above 3%.
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Payout delays and rolling reserves choke your cash flow, while standard processors ignore the realities of your industry.
The Merchant Max Solution
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Specialized high-risk expertise: unlike general processors, we understand high-risk industries, avoid mismatches, and structure accounts to reduce freezes, reserves, and risk blocks.
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Transparent, lowest‐possible pricing: no hidden fees, and guarantee to negotiate the best rate where possible
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White-glove, concierge-level support: every merchant gets a dedicated account manager to guide onboarding, respond rapidly, and tailor solutions.
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Flexible & integrated payment tech: support for POS, mobile, virtual terminals, gateway APIs and custom builds so merchants can accept payments wherever and however they need
For health plan providers, brokerages, and affiliates, Merchant Max removes the hidden fees and risks that traditional processors bury you under.
Moving Companies & Logistics Providers
The Problem
Moving companies face some of the harshest processing conditions:
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High-ticket deposits and final payments flagged as “risky.”
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Seasonal spikes in volume trigger account reviews or freezes.
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Frequent changes, cancellations, and disputes create chargeback headaches.
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Off-the-shelf processors lump movers in with generic retail, leading to higher fees and more reserves.
The Merchant Max Solution
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Accounts Built for Movers — Take deposits, process large final payments, and scale without hitting arbitrary limits.
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Integrated Workflows — Collect deposits, schedule payments, and reconcile seamlessly with your dispatch or CRM system.
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Chargeback Defense — Proactive alerts and coaching help you keep disputes below thresholds.
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Transparent Interchange-Plus Pricing — Say goodbye to inflated “tiered” pricing models.
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Reliable Cash Flow — Eliminate the rolling reserves and surprise fund holds that cripple operations.
For movers, your payments should move as smoothly as your trucks. Merchant Max gives you freedom from hidden fees and cash flow bottlenecks.
E-Commerce & Retailers
The Problem
E-commerce and retail businesses face some of the toughest challenges in payment processing:
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High Processing Fees — Most online stores and retailers pay 2.9% + $0.30 or more per transaction, eroding already thin margins.
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Account Freezes & Fund Holds — A sudden spike in orders, cross-border sales, or an increase in disputes can trigger frozen payouts or even account termination from mainstream processors like Stripe, PayPal, or Shopify Payments.
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Chargebacks & Fraud — Online transactions are prime targets for fraud, and excessive disputes lead to rolling reserves or penalties.
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Platform Lock-In — Standard processors tie you to their ecosystem, making it costly to scale or switch.
The Merchant Max Solution
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Transparent Interchange-Plus Pricing — No more blended rates. You pay exactly what Visa, Mastercard, and other networks charge, plus a flat, disclosed margin. Our clients save 20–40% compared to off-the-shelf processors.
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High-Risk Friendly Accounts — We underwrite you properly from the start, so fast growth, high-ticket sales, or seasonal spikes won’t cause account shutdowns.
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Built-In Chargeback Defense — Alerts, fraud filters, and coaching help you prevent disputes and keep ratios under control.
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Flexible Integrations — Works with Shopify, WooCommerce, BigCommerce, Amazon, Magento, or your own custom checkout.
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Predictable Cash Flow — Reliable settlement schedules without surprise rolling reserves or random freezes.
Why Choose Merchant Max for E-Commerce & Retailers
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Lower Fees, Higher Margins — Save significantly on every transaction.
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Stability You Can Scale On — No more worrying about whether your processor will shut you down during peak season.
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Real People, Real Support — A dedicated account manager who knows e-commerce, not a ticketing bot.
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Omnichannel Capabilities — Handle online, mobile, and in-store payments under one roof.