Stop Paying
Processing Fees.
We're a local, independent payment processing agency — and we've been helping businesses like yours keep more of every dollar since 2013. Zero processing fees, no runaround.
Just straightforward solutions from people who actually pick up the phone.
A Note From Us
We Work for You.
Not for a Bank.
When we started Stateline Merchant Solutions in 2013, we had one goal: give local business owners the same payment technology that big retailers use — without the big fees, the confusing contracts, or the call center that puts you on hold for 45 minutes.
We are an independent agency. That means we don't work for a processor or a bank — we work for you. We look at your business, learn how you take payments, and find the solution that saves you the most money. If our program isn't the right fit, we'll tell you that too.
We serve businesses across west-central Illinois and northeast Missouri — and when you call us, a real person answers. That's not a marketing line. That's just how we operate.
No Long-Term Contracts
We earn your business every month. No lock-in, no early termination fees, no surprises.
We Answer When You Call
No call centers, no ticket systems. You get a direct line to someone who knows your account.
Free Statement Review
Send us your current processing statement and we'll show you exactly what you're paying — and what you could save.
Serving This Region Since 2013
We're local. We know the businesses here, the communities here, and what it takes to run one.
Point of Sale Systems
Terminals & POS Systems for Every Business
We provide modern, easy-to-use terminals and POS systems tailored to your business — whether you run a retail shop, restaurant, auto repair garage, or veterinary clinic. Free terminals with every account, and affordable POS system options to fit any budget.
- Free credit card terminal with every account
- Affordable POS systems available for any business type
- Touchscreen systems for fast, accurate checkout
- Works with all major credit and debit cards
- Inventory tracking and sales reporting built in
- Local support from a team that knows your business
The Dual Processing
Zero-Fee Program
Our dual processing program gives your customers a choice at checkout — pay with cash or debit for a slight discount, or pay with credit card at the standard price. The result? You keep 100% of every sale. Zero processing fees. Ever.
Industry-Specific Solutions
Built for Your Business
We specialize in the industries we serve — so you get a solution that actually fits your workflow, not a generic one-size-fits-all package.
Reduce overhead on high-ticket procedures. Zero-fee processing keeps more revenue in your practice.
Learn more
Keep more of every sale. Our zero-fee program works seamlessly with any retail checkout setup.
Learn moreLarge repair tickets mean large processing fees — until now. Keep your margins where they belong.
Learn more
High transaction volume, thin margins. Our zero-fee program protects every dollar you earn.
Learn moreCredit Card Processing
Accept all major cards — Visa, Mastercard, Amex, Discover — with our zero-fee dual processing program. No monthly fees, no hidden charges, no surprises. Just straightforward processing built for small business owners.
Learn moreMerchant Loans
Need capital to grow? Our merchant cash advance program gives you fast access to funding based on your sales history — not your credit score. Quick approvals, flexible repayment, and no collateral required.
Learn more
Terminals & POS Systems
We provide free credit card terminals and full POS systems tailored to your business. From countertop terminals to full restaurant POS with table management — all set up and supported by us personally.
Learn more
The Stateline Difference
We're Not Like the Other Guys.
A lot of processors will get you set up, hand you a terminal, and disappear. You'll call their 1-800 number, sit on hold, and eventually give up. We built this business on doing the exact opposite.
They Set It and Forget It.
We Stay in Your Corner.
Most reps will get you set up, walk out the door, and you may never see or hear from them again. We check in. We answer when you call. We’re here for the long haul — not just the commission.
They Bury Fees in Fine Print.
We Show You Everything Upfront.
Hidden fees, rate increases buried in page 4 of your statement, auto-renewing contracts with termination penalties — that’s the industry standard. We put everything on the table before you sign anything.
They Have a Call Center.
We Have a Real Person.
When something goes wrong with your terminal on a Friday afternoon, you don’t want a ticket number. You want someone who knows your account and can fix it fast. That’s what you get with us.
Let's Talk
Ready to Stop Losing Money
on Processing Fees?
Call us or send us your current statement — we'll give you an honest, no-pressure review and show you exactly what you could save. No obligation. No sales pitch. Just straight answers from a local team that's been doing this since 2013.