Merchant Services & Payment Processing
Transparent pricing.
Real expertise.
No surprises.
0%
No equipment lease gouging, junk fees, or deceptive bundling charges.
IC+
Interchange Plus pricing — the gold standard for cost transparency.
Why CommerceFlow
Built differently.
On purpose.
Most processors profit by obscuring what you're paying. We built CommerceFlow around the opposite idea — merchants who understand their costs make better decisions, and partners who help them do are worth keeping.
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Boutique-Level Support
You get a real person who knows your account, not a rotating call center. We're a boutique operation by design — when you call, we answer. When something breaks, we fix it before you ask twice.
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Seasoned Expertise
Our team has worked merchant processing from the inside. We know how statements are structured to obscure true costs, how interchange categories get manipulated, and how to architect a rate that actually benefits you.
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Transparent Interchange Plus
We don't bundle rates into opaque tiers that hide processor markups. Every merchant sees exactly what they're paying — interchange passthrough plus a clear, competitive markup. That's the whole bill.
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No Predatory Leases
We will never lock you into equipment leases that cost ten times the purchase price. We don't profit from trapping merchants in hardware contracts. Own your equipment, or we'll help you find the right terminal solution outright.
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No Junk Fees
Regulatory fees that aren't regulatory. Monthly minimums that aren't disclosed. Batch fees on top of batch fees. We audit our own fee schedule constantly and remove anything that exists only to pad a bill.
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Flexible, Merchant-First Contracts
No dead-end agreements designed to outlast your patience. We structure our merchant relationships so you stay because the service is worth it — not because an attorney told you the exit penalty isn't worth fighting.
Consulting Services
Helping businesses run leaner and grow stronger
CommerceFlow is more than a payment processor. Our founding team brings professional supply chain consulting experience to the table — which means we think about your business holistically, not just the fees on your processing statement. We offer advisory services designed to reduce costs, improve operational efficiency, and position your business for long-term growth.
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We analyze your procurement, vendor relationships, and logistics flows to identify cost savings and reduce inefficiencies — from sourcing strategy to last-mile delivery.
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Leverage our group purchasing network and vendor relationships to reduce what you pay for goods, services, and supplies — across multiple categories.
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We take a structured look at your workflows, overhead, and technology stack to surface opportunities to reduce waste and improve margin.
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From payment infrastructure to POS systems and back-office tools, we help you build the operational foundation your business needs to scale.
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As our portfolio grows across Kansas City and beyond, we're building collective buying power that puts real savings back into the businesses we serve.
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We decode your current processing statements line by line — identifying exactly where you're being overcharged and what a fair rate should look like for your volume and industry.
Our Approach
We start with education, not a sales pitch
Most merchants don't know what they're actually paying — and processors like it that way. We flip that model. Our first conversation is about understanding your business and showing you exactly what you're paying and why. From there, we build a solution that makes sense for your volume, your industry, and your goals.
"We built the kind of company we wish had existed when we were on the other side of the table."
— CommerceFlow founding team