Merchant Financial Systems prides itself on being able to offer its clients solutions for all their electronic payment needs from a single source. With software like PC Charge™ and MyMerchantGateway™, we bring all you needs together into a unified processing solution. We also integrate our processing services with your functional website with shopping cart with Internet Payment Gateways. Partner with a progressive merchant service provider like us to keep you abreast of new developments and technologies.

Verifone®  Virtual Terminal Software Solutions

PC Charge is software that enables businesses with Windows-based systems to process credit cards, debit cards, EBT cards, checks, and gift/ loyalty cards on their PCs. It turns a PC into a virtual credit card terminal and by adding a “Mini Wedge” to swipe the credit cards yields rates comparable to a standard terminal. Each computer must be licensed separately, but the absence of a monthly gateway fee makes PC Charge an economical choice for many merchants. Both the Internet Payment Gateway and PC Charge can be used for recurring billing and for acceptance of electronic checks.

PC Charge is a PA DSS 1.2 validated solution that features many security safeguards and anti-fraud controls. Through its use, merchants are one step closer to achieving PCI (Payment Card Industry) compliance and protecting their business interests


PC Charge Pro™ PCI DSS Ver 5.9.x
Virtual Terminal Software
This award-winning, Windows-based payment processing software is designed to save medium to large businesses time and money by providing powerful features and performance at the point-of-sale. This cost-effective solution works great for all types of Merchents, even MOTO.

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PC Charge Payment Server™ PCI DSS Ver 5.9.x
For Integrated Applications
This Windows-based open architecture product is designed specifically to integrate payment processing into existing point-of-sale, order entry, or accounting systems. Our payment processing engine is an excellent solution for a broad spectrum customers, from a small retailer environment to an online merchant.

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My Merchant Gateway
Smart Payments Gateway/ Virtual
Terminal System / Integrations
Many small and medium-size businesses utilize PC’s for their Point of Sale systems and prefer to use the same PC for payment processing.TheSmartPayments™ Payment Server Standard Edition is specifically designed as a secure PC-based payment solution for small to mid-size merchants.

Web-based management interface and virtual terminals enables business owners to quickly install and process payments from their PC’s. For card-present environments, the Virtual Terminal supports magnetic stripe readers for credit transactions as well as PIN Pad and check reader support.

The SmartPayments Client can also be added to provide support for a wide range of card readers, PIN Pads, receipt printers and signature capture devices. It also provides integration with Point of Sale system software.




3rd Party Internet Payment Gateways
An Internet Payment Gateway allows you to fully integrate your website for automated credit and check acceptance on the Internet. With the use of a shopping cart, your website can process, authorize, capture and confirm selection, payment and shipping information. But a Payment Gateway is also an inexpensive solution to your virtual terminal needs if you don’t have an interactive website, and it can be accessed from any computer terminal with Internet access. All transactions are verified by email, and more than one operator can access it at once. For example, Authorize.net, eProcessing, USAePay, et al.

We have a fantastic Payment Gateway, so contact us for more information