Payment Processing That Actually Saves You Money

Merchant Select Rate helps small and mid-sized businesses cut credit card processing costs by up to 30%, with 100% US-based support and zero hidden fees.

30% Avg Savings
8h Settlement Time
99.9% Uptime
10+ Yr Track Record

Merchant Select Rate is a payment processing consultancy founded by Ari Galperin, based in Independence, Ohio, providing customized merchant services, POS systems, and business solutions for small and mid-sized businesses nationwide.

Trusted By Businesses Like

The Hidden Cost Problem

Most Businesses Overpay for Payment Processing

If you process meaningful transaction volume, there is a strong chance you are quietly losing up to 28% in extra fees to junk charges, surprise rate hikes, and PCI non-compliance penalties (based on MSR client audits).

Hidden fees are only half the problem. Terminal downtime during peak hours, gateway outages mid-checkout, and a customer service queue that sends you to a different agent every call all cost real revenue.

Merchant Select Rate fixes both sides. Customized payment systems built for your industry, transparent monthly statements, and one US-based representative who knows your account.

Customized payment processing solutions
1-on-1 US-based support reps
Transparent fees, zero hidden costs
99.9% uptime with secure transactions
Payment processing terminal accepting cards
28%
average overpayment uncovered in MSR client audits before switching
$0B+
In Processed Transactions
0+
Clients Nationwide
0%
Average Savings on Processing Fees
Who We Serve

Customized Solutions for Your Industry

Every industry has its own payment headaches. Here is what we have built for the four verticals we know best.

01

E-Commerce

High volume processing for online stores. Streamline checkout, scale without rising costs, and keep settlements moving in as few as 8 hours.

Get E-Commerce Processing Quote
02

Consultants & Service Providers

Built for law firms, consulting practices, and design studios. Split payments, recurring billing, IOLTA and PCI compliance, plus CRM and accounting integrations.

Get a Tailored Solution
03

Transportation & Warehousing

Field-level payment platforms with Level III compliance and click-to-pay invoicing for distributors, fleets, and logistics operators.

Get Fleet Payment Demo
04

Retail & Hospitality

Multi-state inventory and accounting integrations for shops, restaurants, c-stores, and pay-at-the-pump fuel sites. Self-checkout kiosks included.

Get a Free Audit
Why Merchant Select Rate

Why Business Owners Choose MSR

What you actually get when you stop renting from a faceless processor and start working with a payments consultant.

World-Class Payment Solutions

Accept cards, Apple Pay, Google Pay, and Samsung Wallet across in-store, online, and mobile, on a single platform built for high-volume businesses.

100% US-Based Phone Support

Real people in the United States answer the phone. One representative who knows your account, not a different agent every call.

99.9% Uptime, Bank-Level Security

PCI-compliant infrastructure with redundant gateways. Your terminals stay online during peak hours and your data stays protected.

One-Click Invoicing & Phone Payments

Generate invoices in one click, accept secure payments over the phone, and reconcile everything inside your existing accounting system.

Done-for-You Shopping Cart Integrations

Shopify, WooCommerce, BigCommerce, and custom carts: we configure the integration, test it end to end, and hand back a checkout that converts.

Transparent Fees, No Surprises

Itemized statements every month with no junk fees, no PCI non-compliance penalties, and no surprise rate hikes after the first quarter.

All-in-One Plans

All-in-One Business Solution Plans

Choose from bundled plans or get a custom quote. All plans include 0% credit card processing via our Cash Discount Program.

Essentials

$49 /month
  • FREE Smart terminal
  • 0% Credit Card Processing via our Cash Discount Program
  • Free Membership in the MSR Savings Program
Choose Plan

Professional

$139 /month
  • Free POS Hardware
  • 5 Page Website Build
  • Social media advertising bundle for Facebook posting
  • 0% Credit Card processing via our Cash Discount Program
  • Free Membership in the MSR Savings Program
Choose Plan

Enterprise

$269 /month
  • Free POS Hardware
  • 5 Page Website Build
  • Social media advertising bundle for Facebook posting
  • 0% Credit Card processing via our Cash Discount Program
  • Free Membership in the MSR Savings Program
  • Full HR Suite with Payroll processing services, HR compliance, Time and attendance, Recruitment management, Job costing, and many more features
Choose Plan
How It Works

Get Started in 3 Simple Steps

From first phone call to settled transactions in under a week.

01

Free Merchant Audit

We review your current processing fees and identify exactly where you can save.

02

Custom Solution Design

We build a payment processing package tailored to your business type, volume, and growth goals.

03

Full Setup & Ongoing Support

We handle the full setup and provide ongoing US-based support. Settlements in as few as 8 hours.

Ari Galperin, founder of Merchant Select Rate, in business attire shaking hands
The Founder

Meet Ari Galperin

Ari Galperin grew up around financial consulting work and learned early how small operating costs compound into the difference between a healthy business and a struggling one. He earned his degree in Finance and Entrepreneurship from Case Western Reserve University, then went looking for the place where his background could solve a real problem for working business owners.

He found it in payment processing. Small and mid-sized businesses were quietly overpaying by as much as 40% on credit card fees, often to companies who barely returned a phone call. Ari founded Merchant Select Rate to fix that: customized solutions, transparent rates, and a partner who picks up when you call. Today, Merchant Select Rate serves over 1,000 clients nationwide.

Case Western Reserve University BNI Member 10+ Years in Payment Processing
Talk to Ari
Client Stories

What Our Clients Say

We had actually been introduced to Ari by Lowe's business services here in town and they referred us to him when we were looking for somebody to help us with our credit card business. What prompted us to actually contact Ari was the fact that we had clients who asked us if they could pay their bills with credit cards because many of our users are HR professionals or small business owners and they wanted to easily pay the bills without going to a boss, let's say, and get approval for something...so we figured for those 2 accounts we're gonna do whatever we can to make them happy and they have been happy...they've been using our credit cards ever since we linked up with Ari and his company with no problems that I'm aware of. I think you should definitely use Ari and if I had to rate him on a 5-point scale they're a 5.

TO
Terry Owen
CEO · Pradco
Video

I've been working with Ari and his team for a number of years now, and it's been a wonderful experience. Most people I deal with in this space - the processing and the energy bills - they just wanna come in with the lowest price and I don't see them till it's time to renew but Ari's always checking in to make sure that everything's going well...that I'm happy with the service. And problems do come up - these are problems I used to deal with on my own because I didn't know I could go to my people but now I come to Ari and one of his team members and say I'm not getting paid on something or something just went wrong, whatever the case may be, and he insists on taking care of it. I'm happy with Ari. I recommend him to friends and colleagues in business and I'm always sending him out to see other people because I know that when he gets to service these people they'll call me and thank me and I've had such calls from people that have thanked me and I'm very happy.

RD
Randy Diamond
Business Owner · Diamond Men's Store

So Ari's been a fantastic partner for me. It's been about 10 years now. And he actually made the transition from the old shop to the new shop and helped us set up everything up in here and he's just been very responsive. You give him a call and he 's right on the phone right there real time. He helps me with credit card processing and it's probably the main thing. He's helped me with insurance issues. We did have some problems with our shop software issues in our shop management system trying to integrate the system with credit card processing and Ari stepped in and made that whole system seamless. Now, our customers could pay for their services without actually being here which is really nice.

SD
Simon Daher
Owner · Simon's Automotive

North Coast started utilizing Ari and his team about a year and a half ago. Ari's fantastic. He's available to answer you via text message, via voicemail or just picking up the phone and calling him. For example, a customer lost his credit card and we were not being able to refund it. He gave us multiple suggestions on how to get the issue resolved, and within 24 hours the customer had his money back into his account. If you're in the automotive industry or any other industry, Ari and his team are amazing. They'll save you money and they're there for customer service. Upfront fees, upfront customer service, great great service - highly recommended. Fantastic! Ari's the one - thumbs up!

IR
Isabella Rosales
Regional Manager · North Coast Auto Mall
Common Questions

Questions Business Owners Ask

What is a cash discount program and how does it work?
A cash discount program lets you offer a small discount to customers who pay with cash, and pass the card processing cost to customers who choose to pay with cards. The result for many MSR clients is effectively 0% credit card processing on their side. We handle the compliance setup so the program follows network rules in your state.
How much can I save by switching to Merchant Select Rate?
Most clients see savings between 15% and 30% on processing fees compared to what their previous processor was charging. The exact number depends on your monthly volume, average ticket size, and the mix of card types. The free merchant audit takes 15 minutes and produces a side-by-side comparison.
Do I need to sign a long-term contract?
No long-term contract is required and there are no early termination fees. We earn your business every month by saving you money and answering the phone, not by locking you in.
What types of businesses does Merchant Select Rate work with?
We work with retail, restaurants, automotive shops, law firms, e-commerce stores, transportation and logistics, consultants, c-stores, fuel sites, and high-volume B2B operations. Industries with complex compliance requirements, like IOLTA for legal or Level III for B2B, are a particular fit.
How quickly can I get set up?
Most clients are processing on the new system within 3 to 5 business days. The audit and account approval happen on day one, hardware ships the next business day, and our team handles the integration with your existing accounting or POS software.
What happens if I have a problem with a transaction?
You call your dedicated US-based representative, not a 1-800 queue. Most issues get resolved on the same call. For chargebacks and refund disputes, we walk through the documentation with you so the response goes out correctly the first time.
No Cancellation Fees
PCI Compliant & Secured
24/7 Dedicated Support
Get Started

Get Your Free Merchant Audit

Tell us about your business and we will design a custom payment processing strategy that saves you money.

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