Merchant processing solutions built around your business. Learn how card processing works, what affects your cost, and how Flexcap Solutions can help.
Flexcap Solutions is a Miami-based commercial finance brokerage that has funded more than $100 million for U.S. businesses through a network of 100+ lender partners.
Merchant processing is the service that lets a business accept credit and debit card payments and receive the money in its bank account. Flexcap Solutions offers payment processing solutions with your business in mind, helping owners understand how processing works and what it really costs.
Merchant processing matters to any business that takes card payments, in person, online or over the phone. It deserves a closer look if:
Every card payment passes through several parties in a few seconds:
Processing fees generally have two parts. Interchange and card-network fees are set by the card networks and go largely to the card-issuing bank. The processor's own markup is what actually varies from one provider to another.
Your total cost also depends on:
A careful review of your current setup makes it easier to compare options. It helps to gather:
Card sales are part of the revenue that many funders look at, so clean, consistent deposits can support a stronger financing application. If you are also considering revenue-based financing or a business line of credit, we can talk through both at once.
A merchant account is what allows your business to accept card payments and receive the funds, while a payment gateway securely passes online payment details to the processor. Businesses that sell online generally use both.
Interchange is a fee set by the card networks and paid largely to the bank that issued the customer's card. It varies by card type and how the card is accepted, and it makes up a large part of most processing costs.
PCI compliance means following the payment card industry's security standards for protecting card data. Businesses that accept cards are expected to follow them, and your provider can explain what applies to you.
It can support an application, but it does not guarantee approval. Consistent card sales and deposits give funders a clearer view of your revenue, which is one of the main things they review.
Yes. Flexcap Solutions is based in Miami and works with businesses nationwide.
Want a clearer picture of what you pay to accept cards? Contact our team or call (888) 337-5557 and we'll walk through your setup. You can also see all of our services.
Last updated: November 2026
