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Designed for your bottom line.

We tailor payment processing solutions and sales development programs to your real-world environment, identifying profit stealers and loopholes for fraud -- all with an eye to minimizing your bottom line costs of doing business and growing your sales.

90% of the costs to your business for payment processing and merchant services has nothing to do with advertised discount rates, and everything to do with precisely when and how customers pay you.

We're here to streamline operations so that your business can grow, focusing on asking the right questions and sharing our knowledge instead of distracting you with marketing gimmicks. When you grow, we grow.

Let's do it right.

You're in
good hands.

  • Founder Bill Mitchell has dedicated the past 20 years to expanding his knowledge of merchant practices from small to large and across multiple key industries. He sits on the Verifone Advisory Board and is one of the only beta-testers for First Data, working to bridge the gap between vendors and merchants. Bill believes in mutually beneficial business partnerships that are founded upon transparent and clear communications.

  • April knows the retail industry from both sides of the cash register, as well as the challenges that come with training staff that is able to handle delicate financial transactions while providing excellent customer service. April is the queen of making things happen; as our senior advisor she believes that by staying on the side of her clients, any obstacle in the way of their goals can ultimately be overcome.

  • Ashley is a customer service veteran who joined Merchant Concepts from the credit card processing industry and was surprised to notice that our phones rarely rang. She was quick to embrace the culture of proactive client development that focuses on ongoing training, monitoring, and assessment of changing business needs. Ashley is a Portland native, and is proud to be working with the best merchants in town.

  • Having grown up in Japan, Israel, and later graduating from Princeton University in New Jersey, Josh is excited to call Portland home. His approach to business development is to identify and implement the right solutions at the right time. Josh is an educator at heart, his work driven by a passion for empowering others to achieve their goals by sharing his knowledge with them.

Helping the best
merchants be better.


Some of the largest independent retailers in the Pacific Northwest come to us for payment solutions and business consulting, and we take great pride in the merchants we partner with. Big or small, our promise to you is an unwavering commitment to the long-term success of your business. In fact, we don't do early termination fees, because we expect to be held as accountable to you as you are to your customers. Read below how we've earned our 12-year average retention rate.

Merchant Voices

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  • We have been a happy customer of Merchant Concepts for many years. Bill and his team are always ready to help us with any questions or problems that arise. They provide us with training classes for all of our stores to make sure we are up-to-date with the latest procedures. The very best part of Merchant Concepts is always knowing that they are just a phone call away. We appreciate Merchant Concepts and all they do for us.

    Credit Manager, Appliances

    Credit Manager, Appliances

  • Merchant Concepts has been extremely effective in providing the most relevant technology available. A friendly, professional, and knowledgeable staff who furnish us with immediate results when questions arise, cost-saving suggestions and reporting information that allow to make full use of card processing choices, and excellent in-house training and follow through that ensure the most expedient and secure transactions.

    CFO, Designer Fashion

    CFO, Designer Fashion

  • As an auto dealership, we are highly susceptible to increased credit card processing costs. Merchant Concepts not only monitors these charges, but also provides on-site training for our staff to equip them with the tools necessary to process each transaction in the most cost effective manner. In a business climate where customer service seems to be on a constant decline, Merchant Concepts continues to impress with quality service.

    CEO, Auto Dealership Group

    CEO, Auto Dealership Group

  • Merchant Concepts provides the same great service that we strive to give our customers. They designed a payment processing solution that fits our needs perfectly. When we changed our processing methods they kept pace with the transition and complemented our efforts perfectly. I get calls every week advertising low rates, but I trust Merchant Concepts to give us the best service, support and expertise while keeping bottom-line costs down.

    President, Hardware

    President, Hardware

  • Merchant Concepts is everything most credit card processors are not. They are informed, understanding and patient providers of absolutely top-notch service. There is no question that they have increased both the efficiency and profitability of our business, taking the time to understand the nuances of our operation and to tailor the program accordingly. I would strongly encourage any business to consider Merchant Concepts as their partner.

    GM, Fine Dining

    GM, Fine Dining

We are your voice.


Merchant Concepts maintains strong relationships with banks, credit card processors, and technology vendors -- but we never forget whose side we're on. Trust us to be your ally and representative to the industry.



Proud member of the Pearl District Business Association.
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It starts with a hello.

Many others have attempted to present themselves as our agents or representatives. We've always conducted our business directly and personally, because we're here to establish long-lasting partnerships, not generate sales commissions.

Use the form below to let us get to know you and how you do things, and we'll share with you everything we've learned over the years about running a smooth merchant operation. Let's talk business.



Tell us which payment processing features are important to you:


 Multiple Locations / Departments NFC Payments EMV Chips Signature Capture Phone Orders Online Payments Mobile Transactions Fraud Protection High-Risk Transactions Encrypted Transactions Voiding Transactions Partial Refunds

 Virtual Terminals Customer Management Gift Cards Reward Programs Inventory Management Staff Payroll PCI Compliance POS Systems Expansion Ready 3rd Party Integrations Email Receipts Print Receipts


Write, call, visit.

Merchant Concepts, Inc. is a registered ISO of Wells Fargo Bank, N.A., Walnut Creek, CA
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