Close-up of a credit card payment being processed at a POS terminal.

Nice Custom Merchant Services That Power Your Business

Your one-stop shop for secure, reliable, and fully customized payment processing solutions. From retail and restaurants to e-commerce and mobile, we provide flexible, cost-effective services tailored to your business. 24/7 support included.

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Tailored Payment Processing for Every Industry

At Westchester Merchant Services (WMS), we understand that staying ahead of the competition requires payment processing that is streamlined, cost-effective, and solutions-focused. Whether you’re in retail, food service, or e-commerce, our customized merchant services are built to support your success.

We pride ourselves on being a family-owned business since 2014, offering flexible, secure payment technologies with personalized support. Our team of integration specialists will tailor your payment systems for seamless, worry-free transactions, so you can focus on running your business.

Retail Payment Solutions That Adapt to You

WMS provides secure, fast, and adaptable payment solutions built around your retail needs.

State-of-the-art terminal and software technology
Customized receipts tailored to your brand
24/7 experienced retail support
Competitive industry-low rates
Fastest authorizations for credit/debit cards
Online account reporting access
Mobile and wireless technology integration
Support for EBT and merchant cashback programs

We offer the versatility and speed your customers expect, making shopping easy and hassle-free.

Restaurant-Specific Processing Support

We understand the complexities of the restaurant industry: tips, bar tabs, multiple card payments, and delivery. That’s why we offer:

Tip add-ons after authorization
Open bar tab support
Curbside and delivery wireless solutions
Bill splitting with multiple card support
Auto-batching and financial reporting
Next-day funding for server tips

Whether you’re a deli, diner, or fine-dining restaurant, WMS offers the service stability you need to keep every transaction smooth.

Cutting-Edge POS Systems

A modern Point of Sale system does more than complete a transaction—it drives your entire business.

Authorized resellers for Clover, Dejavoo, QwikPOS, 1up, and ParadisePOS
EMV transactions, promotions, discounting, and bookkeeping features
Inventory control and delivery tracking
Mobile POS options for full flexibility
Debit and credit card support
Real-time analytics and PCI-compliant security

We integrate with most existing POS systems to deliver speed, organization, and security in every sale.

Virtual Terminals Built for Security and Speed

Our virtual terminals allow you to securely accept credit or debit card payments online, directly from your own computer.

WMS is an authorized reseller of top-tier payment gateways:

Authorize.Net: Pre-integrated with 100+ shopping carts, fraud filters, and real-time balances
USAePay: Level 1 PCI compliance with mobile, mail, phone order, and POS solutions
Valor: Retail and services industry leader with safe cart integrations

You’ll be able to:

Process all major cards
Receive next-day deposits
Manage risk with secure PCI-compliant storage
Monitor activity from your website

Our award-winning management team offers round-the-clock support and tailored gateway selection.

Wireless & Mobile Terminal Technology

WMS leads in mobile POS innovation, ideal for on-the-go sales at trade shows, kiosks, and events.

Secure wireless POS options
Smartphone or tablet payment acceptance
Tap, wave, and contactless card compatibility
Paperless coupon and loyalty redemptions
Marketing data and sales performance access
E-ticket support for mobile checkouts

Serve customers anywhere while maintaining fast, secure payment processes.

Secure EMV Chip Card Processing

We prioritize your security and that of your customers.

EMV chip card readers encrypt transaction data
Significantly harder to counterfeit than magnetic stripe cards
Merchants without chip readers are liable for fraudulent transactions

WMS integrates secure hardware from Valor, Dejavoo, Pax, Clover, and more, ensuring fast, reliable authorizations with added memory for future upgrades.

Credit & Debit Card Processing You Can Count On

WMS offers a wide array of POS hardware, software, and mobile integration to support every business need.

We provide:

All major credit/debit card acceptance
EMV chip technology
EBT processing
Mobile wallet compatibility (Apple Pay, Google Wallet, Samsung Pay)
Merchant Cash Advance (MCA)
Same-day/next-day funding
Online merchant account access
Hosted payment forms for e-commerce
Card-not-present and recurring billing support

Your data is safe with us. Secured with state-of-the-art PCI compliance.

Cash Discount / Dual Pricing Program

Reduce or eliminate credit card processing fees by passing them on to cardholders, while offering discounts to cash-paying customers.

Lower your monthly processing bills
Encourage faster cash payments
Reduce fraud risk and chargebacks
Show dual prices (like at gas stations) with clear signage

WMS ensures this program is set up legally, efficiently, and in a way that maximizes your savings. Many clients report up to 95–100% reduction in monthly fees.

E-Commerce Solutions for Online Businesses

Whether you’re running a boutique or building an online presence for your retail store, we offer:

Seamless shopping cart and inventory integrations
Secure PCI-compliant checkout systems
Fast, smooth checkout experience
Recurring billing and gift card processing
QuickBooks compatibility
Fraud monitoring with built-in tools
24/7 expert online merchant support

Don’t lose customers at the cart. Optimize your checkout with WMS for better conversions and customer trust.

Why Choose Westchester Merchant Services?

Custom merchant service solutions tailored to your business
Family-owned and operated since 2014
Friendly, award-winning 24/7 support team
One-stop shop for retail, restaurant, mobile, e-commerce & more
Seamless integrations with your existing setup
Secure, fast, and dependable payment processing at every level

Let’s Build a Partnership That Works

Whether you’re just getting started or want to upgrade your existing system, our experienced team is here to help you grow. Contact one of our specialists today to get started with Westchester Merchant Services, where Nice Custom Merchant Services is more than a promise; it’s our way of doing business.