• Call us: (877) 495-2419
  • Email: support@cmsrep.com
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Accept Cards

Increase Sales & Grow Your Business! Consumers have come to expect you to accept credit cards. Never miss a sale, take cards today.

Studies have shown that businesses who accept credit cards, increase sales and have higher average tickets. A reliable credit card processing service will help your business grow by enabling you to accept all forms of payment.

  • Accept Visa, MasterCard, Discover, & American Express
  • Take Debit Cards and Guaranteed Checks
  • Process In-Person or Online Sales
  • Payments direct deposited within 24 hours
  • FREE credit card reader
Apply Now! Get a Quote

Take Cards from anywhere

Accept credit cards securely and easily wherever you conduct business; in store, online, or on the go!


    Take payments at your retail location using a state-of-the-art Point of Sale system or credit card terminal.


    Process payments on your website or from any web browser, using a secure payment gateway with an online virtual terminal.


    Accept credit cards on the go using your mobile phone or a full-featured wireless credit card terminal.



Every business, large or small, has a unique set of payment processing needs. We offer a wide range of merchant solutions combined with individualized attention to provde a tailored soltion that meets your specific requirements.

Credit Card Terminals

Retail Business Service Shop

Perfect for in-person sales at small to medium sized retail locations. Accept all major credit and debit cards at the time of sale.

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Online Payment Gateway

eCommerce Phone Orders

Integrate with your shopping cart or online ordering system for real-time transactions on your website, and key enter sales via online virtual terminal.

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Mobile Phone Processing

Mobile Business Service Calls

Accept credit cards with your mobile phone and a credit card reader. Available for iPhone, Android and Blackberry devices.

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Point-Of-Sale System

Restaurants Retail Sales

Accept payments and track all your sales with a full-featured POS system. Includes touch-screen, cash drawer, receipt printer, & barcode scanner.

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Wireless Processing

Tradeshows Food Truck

Designed specifically for businesses to accept payments remotley, at tradeshows, service calls, food trucks, etc.

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ACH / Check Processing

Retail Sales Phone Order Ecommerce

Ectronic check processing, check guarantee and ACH services allow you to take checks with ease and confidence in person, online or by phone.

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Request a Quote

We'd be happy to discuss your payment processing needs and provide a no-obligation quote. We'll help you find the most appropriate and cost-effective solution for your business.

We can also conduct a free analysis of your current credit card processing to identify potential savings.

Toll Free 877 495-2419

Competitive Pricing

Great Rates

Don't be blindsided by unexpected charges. Simplify your processing fees with our clear and transparent pricing. From our $0 monthly fee plan to interchange plus pricing options, we offer great rates for all business types!

Pay as you go


No Monthly Fees

  • 4.95%
  • 35¢ Per Transaction
  • Payment Gateway
  • Virtual Terminal
  • No Hidden Fees
  • 24/7 Live Support



per month

  • Interchange +0.15%
  • 25¢ Per Transaction
  • Credit Card Terminal
  • Debit Pin Pad
  • No Hidden Fees
  • 24/7 Live Support



per month

  • Interchange +0.20%
  • 25¢ Per Transaction
  • Payment Gateway
  • Virtual Terminal
  • No Hidden Fees
  • 24/7 Live Support



per month

  • Interchange +0.20%
  • 35¢ Per Transaction
  • Mobile Card Reader
  • Virtual Terminal
  • No Hidden Fees
  • 24/7 Live Support

Interchange Plus Pricing is the lowest cost, most transparent pricing option available to merchants today. Interchange is the cost set by the card companies for each credit card transaction. These rates are the fixed cost of accepting their credit cards. With our interchange plus programs, you simply pay the interchange cost of each card, plus a small markup on each transaction. You don’t have to worry about downgrades or tiered rate structures. The above rates and fees are not meant to be entirely inclusive; other rates and fees may apply. Entire rate and fee schedule will be available for review prior the setup of your merchant account.

Who We Serve

Industry Types

We serve the payment processing needs of all types of organizations, including retail stores, eCommerce businesses, service providers, business to business, the hospitality industry, non-profits, and government agencies. We've provided our expertise to clients in nearly every conceivable sector.

LATEST Testimonials

Happy Clients

We understand the importance of having complete trust in your merchant account provider, which is why our clients are our number one priority and we provide them with the individualized attention they deserve.

American Senior Safety


"We couldn't afford to have our processing down for even one day. A seamless switch was very important to us and [CMS] ensured a smooth transition."

Jerry C. Miller


Digital Altitude


"We teach digital entrepreneurs how to start and grow a profitable online business. We not only use CMS, we recommend them to all our members."


Michael Force


St. George’s Episcopal Church

Germantown, TN

"With the help of CMS we've implemented an Online Donations program and we couldn't be happier with the results."

Robert Phelps


Fraternal Order Of Eagles

Bloomington, IL

"We have seen a significant increase in our bar sales after setting up to take credit cards, thanks to CMS."

Alan Brayfield

AERIE 527 Secretary

This is your chance! Make the switch and become one of our satisfied clients. Get Started, Apply Now

Get In Touch

Contact Us

Headquartered in Bloomington Illinois, Capital Merchant Solutions was founded in 2000. Since our inception the company has become a national provider of payment services, serving thousands of clients throughout the US.

TakeCards Today.com

A service of Capital Merchant Solutions, Inc.


3005 Gill Street, Suite A
Bloomington, Illinois 61704

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Capital Merchant Solutions, Inc. is a registered ISO/MSP of Deutsche Bank Trust Company Americas, New York, New York.