Merchant Services & Payment Solutions
Payment infrastructure and working capital for operating businesses.
Zaidwood’s Merchant Services practice provides operating businesses with payment acceptance and working capital. Processing is structured on interchange-plus terms, with the point of sale configured to the operation rather than to a package. Capital is advanced against processing volume. Both are sourced across a panel of acquiring banks, processors and funders, negotiated on the client’s behalf, and priced in the open before anything is committed to.
The network
Our processing network
The partnership
Zaidwood is partnered with Minority Payment Solution (MPS) to deliver this service. The practice is led by Mahlon James, MPS founder, with 23 years in finance and merchant services spanning Bank of America, Electronic Processing Services, and cannabis-sector payment processing.
What it gives the client
Together we maintain direct relationships with acquiring banks, processors, and alternative funders, giving clients genuine optionality on rate structure, hardware, gateway, and funding source rather than whatever a single provider happens to sell.
We support the full merchant spectrum, including the harder-to-place verticals most providers decline, across the United States and Puerto Rico.
We sit on the client’s side of the table.
The practice is consultative. We source the alternatives, compare them on total cost rather than on headline rate, and negotiate against them. The comparison is set out in full, including the charges that surface only on a statement, and the decision rests with the client.
What we provide
Two lines of business
Payment acceptance for businesses that take card volume, and capital for the same businesses where that volume can be underwritten.
Payment solutions
Six capabilities
Card Present & Retail Processing
E-Commerce & Payment Gateways
Mobile & Contactless Acceptance
Point-of-Sale Systems & Terminals
B2B & Level III Processing
High-Risk Accounts
Merchant capital
Five structures
Merchant Cash Advances
Revenue-Based Financing
Working Capital Advances
Equipment Funding
Invoice Factoring
Merchant capital
Capital against future receivables
For operators who need liquidity on a timeline conventional lenders cannot meet, we structure merchant cash advances and revenue-based facilities underwritten against processing volume rather than collateral or credit history alone. Funding is advanced as a lump sum and remitted as a fixed percentage of daily or weekly receipts, payments that flex with revenue rather than fighting it. We source competing term sheets across our funder network, model the true cost of capital on each, and present the comparison before the client commits.
Monthly card volume
$400 minimum.
Operating history
Six months minimum.
Advance size
$25K to $5M.
Processing account
Approved and deployed in as few as 48 hours.
Capital advance funding
Typically three to five business days.
Industries served
Traditional retail, B2B, e-commerce, franchise operators, and hemp and cannabis-adjacent businesses.
Coverage
United States and Puerto Rico.
Processing economics
The same discipline, applied to rate structure
Interchange is the wholesale cost of running a card. It is set by the issuer and is identical for every provider in the market. What differs between a competitive merchant account and an expensive one is the margin applied above it, and whether that margin is disclosed. We review the statement line by line, establish where the account is overpaying, and restructure onto interchange-plus pricing with the hardware and gateway configuration the operation requires. Factor rates are stated rather than implied, facilities are not stacked without disclosure, and the fee schedule is agreed before the account is moved.