Frequently Asked Questions

Ozark Merchant Services was built to give Arkansas business owners the transparency and local support they rarely receive from nationwide processors. Instead of confusing rate structures, hidden fees, and long wait times with outsourced call centers, our clients work directly with an Arkansas-based team that understands the local business landscape. We focus on simple pricing, responsive communication, and payment solutions tailored to the workflow of each merchant. Whether a business operates in Cabot, Little Rock, Conway, Sherwood, Jacksonville, or Searcy, our customers get real support from people who live in the same region they serve.

Our zero-fee program allows merchants to offset their credit-card processing costs by automatically applying a small discount for cash payments or a non-cash adjustment for card transactions. This approach is compliant, automated through the terminal, and designed to help business owners keep more of the revenue they earn. Instead of paying thousands in monthly processing fees, merchants can redirect those savings back into payroll, marketing, equipment, or growth. The program is fully customizable, and our team provides a clear explanation of how it functions so business owners always remain compliant and confident when using it.

No. Ozark Merchant Services does not lock merchants into long-term contracts or multi-year agreements. We believe that the quality of our service should earn continued business on its own. Our clients stay with us because they appreciate transparency, fast setup, fair pricing, and reliable support — not because they are stuck in restrictive agreements. This flexibility gives Arkansas businesses the freedom to scale up, adjust equipment, or change programs without penalty.

Most merchants can begin processing payments within twenty-four to forty-eight hours after approval. We streamline onboarding by handling all configuration, programming, and shipping directly. For Central Arkansas clients near Cabot, Jacksonville, or Little Rock, we can often deliver equipment and complete setup even faster. Once your system is connected, our team walks you through the first transactions to ensure everything works perfectly from day one.

We support both. Ozark Merchant Services provides full e-commerce integrations for online retailers, service-based websites, booking platforms, membership systems, and invoicing workflows. Whether you need an online checkout button, recurring payments, a custom API connection, or a full shopping cart integration, we ensure payments flow smoothly across all digital channels. For in-person businesses, we offer countertop terminals, portable Bluetooth readers, wireless devices, and full POS solutions. Many merchants use a combination of both, and we provide matched integrations for a seamless experience.

We work with nearly every type of operation in Central Arkansas. This includes restaurants, retail stores, professional offices, medical providers, home-service contractors, mobile vendors, non-profits, faith-based organizations, boutiques, bars, online shops, automotive businesses, salons, and more. Because every business operates differently, we customize equipment and programs rather than forcing a universal setup. Whether your business handles high transaction volume or seasonal peaks — or whether you operate on the road, from an office, or entirely online — we provide a secure and reliable payment solution designed specifically for your needs.

Yes. One of the strongest advantages Ozark Merchant Services offers is genuine local support from an Arkansas-based team. When a merchant needs help, they don’t wait on hold or speak with a distant call center. They reach someone who understands their account, their equipment, their history, and the challenges of doing business in Central Arkansas. This direct support creates faster solutions, fewer interruptions, and long-term trust between our team and the merchants we serve.

In some cases, yes. Many existing terminals and systems are compatible with our platform, and we will evaluate your current hardware before recommending any changes. If your equipment can be reprogrammed to work with our network, we will handle the process. If it cannot, we provide modern, affordable equipment options that are simple to use and backed by our local support team. Our goal is to ensure you have a reliable, efficient setup that fits your business — not to pressure you into unnecessary upgrades.

Security is a non-negotiable priority. All processing solutions through Ozark Merchant Services include point-to-point encryption, tokenization, modern chip-card readers, EMV compliance, and secure cloud-based reporting. Whether transactions happen online, in person, or through a virtual terminal, every payment is protected through industry-leading standards. We also monitor compliance requirements, software updates, and security protocols so our clients never have to navigate technical details on their own.

Yes. Every merchant receives access to detailed transaction reporting that can be viewed through a dashboard or mobile device. These tools make it easy to review daily batches, track card types, view customer trends, analyze deposits, and monitor business performance. For merchants operating multiple locations, the system can consolidate reporting into a single platform for clear visibility across all operations. Whether you’re reviewing the day’s total or planning for long-term growth, our reporting tools make decision-making easier.

Switching is simple. We begin by reviewing your current statements to identify unnecessary fees and cost-saving opportunities. Once your account is approved, we help you choose the right hardware, handle setup, and walk you through your first transactions. If you are currently locked into a contract, we will help you understand your options and determine the most cost-effective path forward. Our team ensures a smooth transition with minimal downtime, so your business continues operating without interruption.

Getting started is easy. Contact our team through the website or by phone, and we will guide you through pricing, equipment options, approval steps, and the programs that best fit your business. Whether you need in-person terminals, online checkout integrations, virtual invoicing, or a complete processing upgrade, we make the entire onboarding process fast and stress-free. Central Arkansas businesses rely on us because we simplify payments, eliminate confusion, and provide support that stays close to home.