Side-by-Side Comparison

How We Stack Up: Pratt Merchant Services
vs. The Competition

Not all merchant service providers are created equal. See exactly how Pratt Merchant Services compares to Square/Clover and Traditional Banks — feature by feature.

Feature
Pratt Merchant
Services
Square / Clover
Aggregators
Traditional Banks
Legacy Processors
Processing Fees
0% — Keep 100% of Profit
2.6%–3.5% + Per Transaction
Varies (High Hidden Fees)
Contracts
No Long-Term Contracts
Month-to-Month
2–3 Year Commitments
Equipment
Free Smart Terminals Available
Pay Upfront or Monthly
Expensive Long-Term Leases
Accountability
Dedicated Pratt Family Support
Automated Chatbots / No Phone
Branch Appointment Required
Funding Speed
1–2 Business Days
1–2 Business Days
3–5 Business Days
Pricing Model
Transparent Dual-Pricing
Flat Rate (Expensive for You)
Complex Tiered Pricing
Setup Time
Fast (24–48 Hours)
Instant (High Risk of Holds)
Slow (Weeks for Approval)
Pratt Merchant Services Advantage Comparable Disadvantage for You

The Pratt Merchant Services Advantage

Three reasons why smart business owners choose Pratt Merchant Services over the big-box alternatives.

💸

Stop the Percentage Drain

Traditional processors and aggregators like Square take a percentage of every dollar you earn. Over a year, that can cost a small business thousands of dollars in lost revenue. Pratt Merchant Services uses the Dual-Pricing model to put that money back into your bank account.

🖥️

No Hardware Debt

While banks often lock you into four-year leases for outdated equipment, we provide modern, Apple-inspired Smart Terminals without the predatory debt. We believe you should own your business — not your equipment lease.

🤝

A Direct Line to Partnership

You've worked hard to build your brand; you shouldn't have to talk to a robot when you need help with your money. As a Pratt Family & Co. brand, we provide real, human accountability. When you have a question, you have a partner.

Ready to Stop the Percentage Drain?

Our team specializes in transitioning businesses from high-fee models to our Zero-Fee Merchant Program. We handle the paperwork, provide the hardware, and ensure you keep 100% of your profits.