Guide
There are two common ways to accept cards: join someone else's master account, or have an account of your own. They behave differently.
✓ 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.
There are two common ways to accept cards: join someone else's master account, or have an account of your own. They behave differently.
A payment facilitator lets you start quickly under its master account, usually with a simple flat rate and a faster approval. A dedicated merchant account is underwritten for your business alone, with pricing built from your volume and a clearer view of your processing.
The right choice depends on your size, your risk profile and how much you value predictability versus speed.
Fast to start, simple flat pricing, less customization.
Underwritten for you, pricing based on your volume.
Facilitators may apply limits more readily.
Dedicated accounts often suit larger volume.
A market vendor starts on a facilitator for its quick approval. Two years later, with steady volume, a review of her statement shows a dedicated account would better fit her sales.
Owners tend to run into this when something changes: a new device, a new way of selling, a bigger month. Those are the moments to reread the agreement and ask what, if anything, moves.
None of this needs to be memorized. The practical habit is to know which questions to ask and to keep a recent statement where you can find it, so a call to your processor is short and specific.
The goal of a page like this is not to make you an expert. It is to make the next conversation with a processor or a salesperson shorter, because you know which question to ask and what a straight answer sounds like.
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.
The long-term question is not which is better but which fits now. A facilitator is a good start for a new or seasonal business that needs to begin quickly; a dedicated account fits a business with steady volume and a need for predictable funding. Revisit the choice at the same time each year, and ask what a move would involve and whether it is worth doing before a peak season.
As explained by Merchant Fund Express. Updated 2026.
A facilitator gets you started quickly; a dedicated account may fit better as volume grows.
Yes, with planning.
Both are subject to card network rules.
We explain the arrangement in your quote.
Call (305) 384-8391 and describe how you sell. We will recommend the lightest setup that does the job and tell you honestly if something you were considering is not needed.
Yes. A free statement review shows what you pay today and where a Clover setup would differ, with no obligation to change anything.
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.
