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MERCHANT SERVICES & PAYMENT SOLUTIONS
Zaidwood's Merchant Services practice equips operating businesses with the payment infrastructure and working capital required to scale. From interchange-optimized processing and enterprise-grade point-of-sale deployment to revenue-based advances against future receivables, we architect merchant economics with the same rigor we apply to institutional transactions. Leveraging direct processor relationships, underwriting expertise, and advanced marketing, we deliver superior rate structures and expedited capital access — with full transparency at every stage.
Our Processing Network
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.
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.
The approach is consultative by design. We sit on the client's side of the table: we source, compare, and negotiate, then present the economics openly so the decision is yours to make on complete information. Clients are educated on what every term and fee actually means, because a merchant who understands their statement makes better decisions than one who doesn't.
Our Solutions
Payment Solutions
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Merchant Capital
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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 you commit.
The same discipline governs how we structure processing. Interchange — the wholesale cost of running a card — is set by the issuer and identical for every provider in the market. What separates a competitive merchant account from an expensive one is the margin layered on top of it, and how clearly that margin is disclosed. We conduct a full statement review, identify where you are overpaying, and restructure onto transparent interchange-plus pricing with the hardware and gateway configuration your operation actually requires. No opaque factor rates, no undisclosed stacking, no fees you learn about on a statement.
Eligibility Criteria
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We’d love to work together and create something special.
