Quantum Merchant Services is a U.S.-based financial technology company specializing in secure and scalable payment processing solutions for businesses of all sizes. Headquartered in Oakdale, Minnesota, Quantum provides end-to-end merchant services, encompassing card processing, POS solutions, web integration, and financial services. The company has built a strong reputation for its customer-centric approach, transparent pricing, and ability to support high-risk merchants, making it a go-to provider for retail, hospitality, e-commerce, and service-based businesses.
Core Business and Offerings
Quantum Merchant Services delivers a comprehensive suite of services, including:
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Payment Processing:
- Credit and debit card processing
- ACH and eCheck processing
- EMV chip and contactless transactions
- Mobile wallet integration (Apple Pay, Google Pay)
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POS Equipment & Software:
- Hardware solutions from Clover, Verifone, Dejavoo, Pax, and MicroSale
- Inventory, employee, and customer management tools
- Secure and scalable mobile and countertop POS systems
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Web & E-Commerce Services:
- Custom web design and graphic branding
- SEO optimization and online ordering platforms for restaurants and retailers
- E-commerce integration with gateways and shopping carts
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Financial Services:
- Merchant cash advances
- Dual pricing and surcharge programs to offset processing fees
- High-risk merchant account support for industries like CBD, adult, and subscription-based businesses
Specialization and Unique Selling Proposition (USP)
Quantum stands out in the crowded payment processing industry due to:
- High-Risk Merchant Support: Offers tailored solutions for businesses often denied by traditional processors, including thorough underwriting and chargeback management.
- Transparent Pricing Models: Emphasizes clear, itemized pricing with no hidden fees, including flat-rate and interchange-plus plans.
- All-in-One POS Ecosystem: End-to-end POS setup with hardware, software, training, and support.
- US-Based Support: Dedicated account representatives and 24/7 technical support.
Financial Overview
While Quantum Merchant Services is privately held and does not publicly disclose its full financials, industry benchmarking and client reviews suggest:
- Transaction volume exceeds $500 million annually
- Supports thousands of merchants across 50 U.S. states
- Recurring monthly billing models with average client retention over 36 months
The company benefits from partnerships with First Data (Fiserv) and other major processing platforms, enhancing transaction reliability and scalability.
Shipment and Deployment Metrics
- Processes and ships hundreds of POS terminals monthly across retail and food service industries.
- Average POS deployment time: 3–5 business days with on-site or remote training.
- Maintains a logistics network enabling fast replacement of faulty hardware within 48 hours for subscribed merchants.
Target Market
Quantum’s solutions are designed for:
- Retailers (brick-and-mortar and e-commerce)
- Restaurants and hospitality businesses
- Service-based firms (salons, healthcare providers, legal services)
- High-risk sectors (CBD, adult services, debt consolidation, subscription businesses)
The firm also works with independent agents and ISO partners to extend reach across niche verticals.
Capabilities
- Integrated Gateway Solutions: Connects with Authorize.net, NMI, and proprietary Quantum gateways.
- Custom Payment Portals: Offers secure customer-facing portals for invoice and subscription billing.
- PCI Compliance Management: Proactive assistance for merchants to stay compliant with PCI DSS regulations.
- Multi-location Management: Unified reporting and control across all business sites and payment channels.
Certifications and Compliance
- PCI DSS Level 1 Certification
- EMV Certified POS Devices
- HIPAA-Friendly Solutions for healthcare service providers
- High-Risk Compliant Underwriting and Chargeback Monitoring
Customer Testimonials
“Quantum’s team helped us launch a full POS system in less than a week. The training and ongoing support have been phenomenal.”
— Owner, Midwest Restaurant Group
“We were turned away by several processors due to our industry, but Quantum came through. The high-risk program has been reliable and secure.”
— Founder, Online CBD Retailer
Major Achievements
- Partnered with over 3,000 merchants across the U.S.
- Recognized by regional business associations for outstanding service in fintech
- Trusted reseller of Clover POS systems and First Data merchant accounts
- Achieved 95%+ customer satisfaction across review platforms including BBB and Trustpilot
Quantum Merchant Services continues to redefine merchant support by combining enterprise-grade solutions with personalized service. Whether serving start-ups or high-volume merchants, Quantum delivers efficiency, security, and flexibility in every transaction.
