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Merchant services agents play a crucial role in the world of small businesses by providing them with the ability to accept credit and debit card payments. As a merchant services agent, you have the opportunity to help small businesses increase their sales and streamline their payment processes. In this article, we will discuss how to become a merchant services agent and start selling credit card machines to small businesses.

What is a Merchant Services Agent?

A merchant services agent is an individual or company that partners with banks or payment processors to sell credit card processing services to small businesses. These services can include credit card machines, point-of-sale systems, virtual terminals, and more. Merchant services agents act as intermediaries between small businesses and payment processors, helping businesses set up and maintain their payment processing systems.

Benefits of Becoming a Merchant Services Agent

There are many benefits to becoming a merchant services agent. Some of the key advantages include:

1. Lucrative income potential: Merchant services agents earn commissions on the sales of credit card processing services and equipment. With the right approach and dedication, you can build a profitable business as a merchant services agent.

2. Flexible schedule: As a merchant services agent, you have the flexibility to set your own schedule and work when it is convenient for you. This can be especially appealing for individuals looking for a side hustle or a part-time business opportunity.

3. Opportunity for growth: The demand for credit card processing services is increasing as more small businesses move away from cash transactions. As a merchant services agent, you have the opportunity to grow your business and expand your client base over time.

Steps to Become a Merchant Services Agent

If you are interested in becoming a merchant services agent and selling credit card machines to small businesses, here are some steps to get started:

1. Research the industry: Before you start selling credit card machines, it is essential to familiarize yourself with the merchant services industry. Learn about different types of payment processing services, credit card machines, and payment processors. Understanding the industry will help you better serve your clients and make informed decisions about the products and services you offer.

2. Choose a payment processor: To become a merchant services agent, you will need to partner with a payment processor or bank that provides credit card processing services. Research different payment processors to find one that offers competitive rates, reliable service, and the products and services you want to sell to small businesses.

3. Get trained and certified: Many payment processors offer training programs and certifications for merchant services agents. These programs help you understand the products and services you will be selling, as well as the best practices for building and managing your merchant services business. Completing training and certification programs can also help you build credibility and trust with potential clients.

4. Build your client base: Once you are trained and certified, it is time to start building your client base. Reach out to small businesses in your area and offer your credit card processing services. Consider networking with local business associations, attending trade shows, or using digital marketing strategies to promote your services and attract new clients.

5. Provide excellent customer service: As a merchant services agent, it is essential to provide excellent customer service to your clients. Be responsive to their needs, answer their questions promptly, and provide ongoing support to help them get the most out of their credit card processing services. Building strong relationships with your clients can lead to repeat business and referrals.

6. Stay informed and adapt: The merchant services industry is constantly evolving, with new technologies and trends shaping the way small businesses accept payments. Stay informed about industry developments and be prepared to adapt your services and offerings to meet the changing needs of your clients. By staying ahead of the curve, you can provide value to your clients and differentiate yourself from competitors.


Becoming a merchant services agent and selling credit card machines to small businesses can be a rewarding and lucrative business opportunity. By following the steps outlined in this article, you can start your journey as a merchant services agent and help small businesses improve their payment processes and grow their sales. With dedication, hard work, and a commitment to providing excellent customer service, you can build a successful business as a merchant services agent.

What's a Merchant Referral Program?

A merchant referral program is a structured marketing strategy in which a business incentivizes its existing customers or partners to refer new customers to the business. This program typically involves offering rewards, discounts, or other benefits to the referrer for successfully bringing in new customers or clients. The goal of a merchant referral program is to leverage the existing relationships and trust that customers have with the business to attract new customers and increase sales.

To participate in a merchant referral program, existing customers or partners are usually provided with a unique referral link or code that they can share with their friends, family, or colleagues. When a new customer makes a purchase or signs up for services using the referral link or code, the referrer receives their reward. This type of program is beneficial for businesses as it can help drive customer acquisition, increase customer loyalty, and generate word-of-mouth marketing. Additionally, it allows businesses to track and measure the effectiveness of their referral marketing efforts and adjust their strategies accordingly. Overall, a successful merchant referral program can be a cost-effective and efficient way for businesses to grow their customer base and increase revenue.

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