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  • No contract or early termination fee, ever. 

  • No annual rate increases, ever.

  • Local customer service representative who you can reach via cell phone, always.

  • PCI Compliance, always.

  • Fair and affordable pricing from day one, not after you complain about your fees.

  • Next Day Availability of funds

  • Fairly priced hardware, no more unfair leases or expensive terminals.

Why Local Matters

MerchantFirst Payments is a Northern Colorado-based merchant services business known for its integrity, honesty, and exceptional customer service. As a local company, we understand the needs of area businesses, offering transparent, tailored payment solutions without hidden fees or complicated contracts. We provides personalized support, quick responses, and expert guidance, making us a trusted partner for businesses of all sizes.

Cash Discount Program

Learn about Cash Discounting and how it can help you completely eliminate processing fees

Our Services

Our Services

1

Mobile Processing

Need to take payments on-site or at the customer’s location? Process payments directly through your mobile device!

2

POS Systems
 

A Point Of Sale system does more than look good at the counter! Let us show you how a POS will let you track inventory, profit, and loss. Perfect for shops and restaurants!

3

Credit Card Terminals

Fast and dependable!  Accepts EMV, magnetic swipes, keyed entry, ApplePay / GooglePay Electronic Wallets.

4

QuickBooks Integration

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If you are using the default payment gateway in QuickBooks you are simply paying too much. Let us cut your processing costs and show you how easy it is to integrate with our secure payment gateway.

5

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Payment Gateways

Want to take payments on your website or are simply not happy with your processing fees? We have several payment gateways that can be integrated on any website platform. 

5

Virtual Terminals

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Accept payments at your desktop!
Virtual Terminal makes it easy for merchants to accept card and ACH payments with just a computer, no extra hardware required.

Our Mission
 

Taking Your Business to
the Next Level

Our mission is to empower local businesses with knowledge, satisfaction, savings, and smart solutions. MerchantFirst Payments clients save an average of 30% on processing costs alone.

We are small business owners who understand the pain points that you face on a day to day basis. 

No Contracts

MerchantFirst Payments is redefining the industry with a contract-free approach. Long-term contracts are becoming a thing of the past—don’t let your current processor or bank trap you in one. If they insist on it, there’s probably a reason—and it’s not in your best interest.

Free Equipment

Tired of spending hundreds or even thousands on a credit card machine? You should be. At MerchantFirst Payments, we provide all our merchants with free equipment and POS systems, giving you the best and most cost-effective solutions.

NO Rate Increases

Revolutionizing the way payments are processed. Unlike most competitors, MerchantFirst Payments guarantees never to raise your processing fees. No more renegotiating rising costs or getting locked into unfair rates. It’s time for a fair, transparent rate—forever.

We also offer

Contact Us,
We are Always Happy to Help!

 

Get in touch for any inquiries, become a merchant or simply provide feedback.

Please fill out the form and we will get back to you shortly.

MerchantFirst Payments LLC

Loveland, Colorado

970-391-4090

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© 2025 MerchantFirst Payments LLC

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