Guide
A free reader is rarely free. The cost has to be recovered somewhere, so ask where.
✓ Installed by our team and supported by phone. Rates and equipment are quoted to your business.
Merchant Fund Express explains payments in plain English so owners can make better decisions about equipment and processing.
A free reader is rarely free. The cost has to be recovered somewhere, so ask where.
Offers that advertise free equipment usually recover the cost through the processing rate, a monthly fee or a longer commitment. Sometimes that is a fair trade; sometimes it is expensive.
The question to ask is not "is the device free?" but "what do I pay in total, for how long, and what happens if I leave?"
How long are you committed?
What does the effective rate look like across your card mix?
Are there monthly, statement or cancellation fees?
Do you own the device or lease it?
An owner is offered a free reader and finds a long term and a higher effective rate. Comparing total cost over the term with a quote that included the device showed the free offer cost more.
This comes up for almost every owner at some point. Most of the stress is not the problem itself but not knowing the next step, so having the steps written down before you need them is the real fix. Print the steps, put them where your team can see them and rehearse them once.
Talk to a person at (305) 384-8391. Describe your counter, your busiest hour and how customers pay, and we will recommend the lightest setup that does the job, with installation and training on site.
As explained by Merchant Fund Express. Updated 2026.
No. It can be fine when the total cost is fair. The point is to know the total.
Buying avoids long lease obligations; we explain options in your quote.
Compare the effective rate and total cost over the term, not the equipment price alone.
Yes. Send it with a statement and we will walk through it.
Call Merchant Fund Express. We install it, train your staff and stay on the line after launch. Ask for a free rate review while you are at it.
