If you run a real business, you already know this: customers want to pay the way they want to pay. Cards, tap-to-pay, online checkout—whatever is fastest and easiest in the moment. That’s not a trend. That’s the new normal.
The good news is credit card processing doesn’t have to be complicated—or loaded with hidden fees. The key is choosing a processor that’s clear, dependable, and built for how you actually operate.
This guide breaks down what matters most, what to avoid, and how Diverse Merchant Solutions (DMS) approaches merchant processing.
Why accepting cards is no longer optional
Whether you’re retail, restaurant, service-based, e-commerce, nonprofit, or even in certain higher-risk categories, accepting card payments removes friction at checkout and helps you close more sales.
If customers can’t pay the way they prefer, they’ll often find someone else who can. Simple as that.
The payment types customers expect today
A strong processing setup should support the methods people use every day:
- Credit & debit cards (major brands)
- EMV chip cards
- NFC contactless (tap-to-pay, Apple Pay, Google Pay, etc.)
- EBT (where applicable)
DMS merchant accounts are designed to support major cards, EMV, contactless payments, and EBT transactions.
What a proper merchant account setup should look like
A merchant account is what allows your business to accept card payments and receive deposits. In plain English: it connects your customer’s card payment to your business bank account.
Here’s what you should expect from a solid provider:
1) Fast approvals and straightforward onboarding
You shouldn’t need weeks to get rolling. In many cases, approval can happen quickly—often the same day.
2) Funding speed that fits your cash flow
Waiting around for your deposits can choke a business. DMS offers same-day or next-day funding options (depending on your setup).
3) A rate review if you already process cards
If you already accept cards, you shouldn’t guess whether you’re overpaying. A proper rate review compares your real statement, not a “promotional rate” on a flyer.
4) Clear pricing and full disclosure
This is where a lot of processors play games: teaser rates, add-on fees, weird “service” charges, and statements that feel like they were designed to confuse you.
DMS focuses on:
- Accurate rate quotes
- Full disclosure of potential fees
- Clear statements that reduce misleading charges
5) No junk setup charges
DMS advertises no application, programming, or setup fees—the kind of nonsense charges that processors love to tack on.
6) Real support when something breaks
When your terminal fails or a batch doesn’t close, you don’t want a ticket system that takes days. DMS highlights round-the-clock toll-free live support plus online account access.
Tools that go beyond “just taking payments”
A processor should give you visibility and control—not mystery.
DMS includes a free online merchant portal intended to help you track activity and manage your account. Depending on your setup, you can typically use tools like:
Manage the stuff that costs you money
- Track refunds
- Manage disputes
Reporting you can actually use
- Run reports by date range
- Export reports as CSV or PDF
Snapshot dashboards
- View totals like gross sales, transaction counts, and average ticket size
Employee tracking
- Sort performance by employee and generate quick reports
Inventory and catalog controls (for the right businesses)
DMS also describes inventory tools like low-stock alerts, barcode scanning, performance tracking by item/category, and CSV exports.
Customer insights and loyalty building
They also describe customer profiles and receipts you can customize to encourage repeat business (feedback links, promos, etc.).
The fee traps to watch for (before you sign anything)
If you want to avoid getting stuck in a bad processing deal, watch for these red flags:
- “Low rate” quotes without a full fee list
If they won’t show the full schedule of fees, assume there are surprises. - Confusing statements
If you can’t understand your bill, you can’t control your costs. - No live support
If payments stop, your business stops. - Locked hardware/software
You want terminals and software that work with your systems—not something that forces you to change your entire operation.
DMS highlights integrated terminals and software designed to fit your business needs.
Who DMS is a fit for
If you want a traditional, straight-shooting approach—reliable processing, clear terms, fast setup, and support you can actually reach—DMS is built for that.
They support a wide range of business types, including retail, restaurants, service businesses, e-commerce, nonprofits, and certain higher-risk industries, with options for POS systems, terminals, and online processing.
Ready to review your rates or get set up?
If you want to start processing or you’d like a rate review to see whether you’re paying too much, DMS offers a free consultation.
Use the Get Started option on the website or call 800-343-5122 during business hours (Monday–Friday; Saturday by appointment).