POB/Cashless ATM

A Point of Banking (Cashless ATM) Terminals provides your customers with the convenience of using ATM/Debit cards and credit cards with pin based cash advances. Consumers expect to be able to use their ATM/debit cards to make purchases at all types of businesses. They will pay a surcharge fee for the convenience of an ATM, which helps them avoid a drive to the bank or another destination saving them time. Customers access their bank accounts with this Cashless ATM without leaving the establishment.

Point of Banking Terminals work similar to Cash ATMs except funds are deposited into any of your bank accounts at the conclusion of the customer’s purchase transaction. It is set up for $5.00 increments to closely match the purchase of your customer, and then you would simply give them change for the difference. Point of Banking terminals work with your customer’s banking as long as there is a 4 digit pin code assigned to the card being used.

This is how the process works. First, the merchant slides the customer’s ATM/Debit card through the POB terminal and chooses from which account to withdraw funds (checking, savings or credit). Then the customer enters their PIN# on the pin pad. The merchant enters the amount of the transaction closest to the $5.00 increment and asks the customer to agree to the $2.00 convenience fee. Then the terminal connects to the ACH network and validates the transaction in a matter of seconds just like a Bank ATM. The POB Terminal prints out a customer’s receipt and a copy for the merchant.


  • Program eliminates merchant paying processing fees
  • Equipment Package is only $399.95
  • Ready to use, out-of-box plug and play
  • Verified for security and PCI Compliance
  • Safer and more reliable than Cash ATMs
  • Reduces cash on hand at the business
  • Increases sales and average checks

Gift Cards

Gift cards are big business, even if your business is small. At your level, having the right gift cards for your business can either make or break business. The right gift card program can increase sales and improve cash flow. Turn your terminal into a money-making machine by offering Gift Card programs to your customers. Gift Cards keep customers coming back and they often spend 30% more than what’s on the card. Plus Gift Cards help simplify managing store credits.

There’s no one-size-fits-all gift card program. That’s where we come in. We can help you implement a creative and effective gift card program tailored just for your business.

Rewards Cards

Rewards Cards are another great way to boost sales. You can offer free products, $5 discounts or a percentage off future purchases, all of which are incentives for customers to keep coming back. When you reward your customers for making purchases, customer loyalty and profits increase. Global Merchant Solutions makes it easy and affordable to offer Loyalty Card programs to your customers.

Check Conversion

Are you looking to accept checks, but don’t want to assume the high risks that go with it?

We offer our merchants the ability to set up a check conversion account which allows them to authorize a check within seconds.  You can run the check verification directly through your credit card terminal or even over the phone or Internet. No more waiting in line at the bank or paying a $35 fee because of a bad check.

Merchant Cash Advance

Listen to a quick audio clip that explains the Merchant Cash Advance in simple terms:

A Merchant Cash Advance is the purchase of future credit card receivables from the business owner; it is not a loan and has no fixed term or fixed repayment schedule. Payment is deducted from daily credit card receipts.

The process for applying for a Merchant Cash Advance is much simpler than a bank loan or credit line and the funds are available in 3 to 7 business days. We understand that many small businesses struggle with cash flow and sometimes opportunities are missed due to of lack of funds. This program helps small and mid-sized businesses expand their company, purchase equipment, add additional inventory, or invest in the future growth of their company.

Here’s how Merchant Cash Advance works:

Your average monthly volume is reviewed to establish your maximum allowable advance. You review and sign the paperwork and the cash is sent to you within 3 to 7 business days via a direct deposit!

Benefits of Merchant Cash Advance:

  • Merchant can receive up to $500,000
  • Payback based on timing of Visa / MC / Discover / Amex receipts
  • No fees or penalty for extended payback period
  • A/B credit not required
  • Financials / tax returns not required
  • Requirements in order to be eligible for the advance:
  • Merchant must be in business for at least 3 months with 3 months of ownership
  • Your merchant account must be with us. If it isn’t already, we will charge nothing for you to switch and will meet or beat your current costs
  • You must provide the previous 4 months of processing statements, 2 months of bank statements, and a copy of a state or federally issued photo ID
  • Trade references are required

No Credit Check Financing!

Unlike your traditional financing our No Credit Check Financing is a short term payment plan developed for those who have the ability to pay but their credit scores reflect history inconsistent with their current status. Plans range from 2 weeks to 12 months with amounts from a few hundred up to $10,000 per purchase of the total sale amount. We fund up to $3,500.00 up front. The remainder is paid over the remainder of the plan.

  • The ready and willing buyer becomes able through their income status.
  • Merchants have reported substantial increases in revenue using this innovative process. Sales that would otherwise be lost due to lack of credit or immediate funds availability are now within reach with our No credit check financing.
  • No credit check financing was created to be a mutual benefit to the consumer. Our flexible approval process examines several criteria benefiting customers who can afford to make a purchase. No credit check financing doesn’t replace traditional lending. It augments it by setting a viable standard for payment worthiness and creating a plan that fits within the customer’s budget. This is done by adjusting income requirements and other parameters on a daily basis fitting the sale amount to the customer’s ability to pay.
  • Businesses with sale amounts exceeding the cash in a customer’s pocket need this program. It helps build customer satisfaction and loyalty. Consumers need a responsible and affordable means to make their purchases. No credit check financing delivers that solution to the merchant and consumer.
  • The objective was to provide a level of service suited to the small to medium sized business by controlling cost without sacrificing quality. These goals have been met. In doing so we’ve created a multi-platform service to fulfill the needs of the growing enterprise seeking to expand their customer base.

High Risk Merchants

Global Merchant Solutions provides high risk merchant accounts for businesses in high-volume industries, high-risk industries owners with poor or bad credit, offshore or international needs, and many other circumstances that limit a company’s ability to perform credit card processing. When it comes to deciding on a merchant account provider there are dozens of companies to choose from but many of these require a merchant to pay high set-up fees, lease equipment or jump through hoops to begin offering credit card processing to customers. It doesn’t have to be a complicated process.

Our high risk merchant processing services will allow you to accept credit cards and payment within 48 hours of your application and approval. We support many payment gateway options and fees are low – even if you suffer from bad credit or have been turned away by banks or other merchant account providers in the past. In today’s economy, it is critical for merchants to offer convenient payment solutions in order to stay competitive in the market. In this soon to be cashless world customers not only prefer to pay with plastic, studies show consumers ultimately spend 30% more money when credit card processing is an option. No business owner should feel as if merchant processing is out of reach. Regardless of credit history or current credit score, there are payment options to help any merchant succeed – even those considered “High Risk”.
If you have struggled to find a processor to work with you or your business in the past, it is time to speak with the experts at Global Merchant Solutions.

With over a decade of experience, we recognize that even businesses in unconventional industries deserve an opportunity for long-term growth. Sign up today to get started with your high risk merchant account.

If you are conducting business face to face, accepting credit cards is a necessity. Whether you have a storefront, restaurant or kiosk in the mall, with rates as low as .79% Global Merchant Solutions can help your business set up a merchant account offering same day approval so you can start accept credit cards immediately.

Why have we become the choice of so many small business owners in a wide variety of specialties? The answer is simple: we are committed to you and your unique company and will make it our mission to help you prosper. We know that small businesses are not stamped out of a cookie cutter. Instead, each has its niche and caters to a unique set of customers with specific needs. Keeping them happy is the only way to guarantee that they will return to your establishment time and time again.

Of course, much of what ensures repeat business is your own stellar products and customer care. However, Global Merchant Solutions can enhance all of your hard work by providing credit card processing that will allow you to take payments quickly, securely and efficiently. Some of our services even give you the ability to accept payments on the go, making things even more convenient for your customers.

Credit Card Processing

The other side of the coin is the benefits that we can provide to you as a small business owner. Along with happy buyers must come products and services that make your life easier and as cost-effective as possible. The last thing you need are hidden or confusing fees and high rates. At Global Merchant Solutions, our promise is to be fully transparent with all fees and keep processing charges to a minimum. What’s more, it’s our privilege to offer credit processing equipment to you at absolutely no charge. That means free credit card machines for your small business.

As an entrepreneur, you know that success comes from a combination of positive factors. Happy customers and streamlined business practices are two of the most important. Let us at Global Merchant Solutions help to ensure that your company has both: Join us and see what a force we can be in promoting your success.