Merchant Services → Low-Risk Accounts
Low-Risk Merchant Accounts
If you've been with Square, Stripe, or PayPal for more than 6 months — you're almost certainly overpaying. Let us show you how much you could save.
Get a Free Rate Analysis Merchant Services → Low-Risk Accounts
If you've been with Square, Stripe, or PayPal for more than 6 months — you're almost certainly overpaying. Let us show you how much you could save.
Get a Free Rate AnalysisSquare, Stripe, and PayPal are great for getting started — but their flat-rate pricing model is designed for businesses processing under $5,000 a month. Once you're established, those flat rates cost you significantly more than interchange-plus pricing through a dedicated merchant account.
We analyze your last 3 months of statements and show you exactly how much you could be saving. Most businesses save between 20–40% on processing fees by switching to a dedicated merchant account.
Built around your business — not a one-size-fits-all platform.
The most transparent pricing model in the industry. You see exactly what Visa/Mastercard charge and what our markup is — no surprises on your statement.
Get your money faster. Most low-risk accounts qualify for next-day or same-day funding direct to your bank account.
Send us 3 months of statements and we'll show you exactly what you're paying now vs. what LM can offer. No obligation required.
Works with Clover, Toast, Square hardware, Lightspeed, and more. Keep your existing equipment and just lower your rates.
Month-to-month agreements on most accounts. We earn your business every month — not by locking you in with early termination fees.
Based in Bothell, WA. Real people who answer the phone and know your account personally.
Takes less than 5 minutes. Chip guides you through every step.
Register in the portal and tell us about your business type and monthly processing volume.
Securely upload 3 months of your current processing statements through the merchant portal.
We come back with a clear side-by-side showing your current rates vs. what LM can offer — in dollars, not percentages.
Find out exactly how much your business could save with a free, no-obligation rate analysis.
Chip
Your Merchant Onboarding Guide