33 Years · Visa Certified · Nationally Recognized · Best of Annapolis 2023 & 2024
Zero Swipe Fees.
Keep EveryDollar You Earn.
Merchant Pro eliminates your swipe fees entirely, delivers next-day deposits, and installs world-class POS systems — saving small businesses thousands of dollars every year. Local DMV support. Real people. Real results.
Zero Swipe Fees ✦Save Thousands Every Year ✦Clover · PAX · Verifone · Ingenico · Dejavoo ✦Best of Annapolis 2023 & 2024 ✦Next-Day Deposits Guaranteed ✦Maryland · Virginia · Washington DC ✦PCI Level 1 Secure ✦BBB Accredited · Since 2007 ✦Zero Swipe Fees ✦Save Thousands Every Year ✦Clover · PAX · Verifone · Ingenico · Dejavoo ✦Best of Annapolis 2023 & 2024 ✦Next-Day Deposits Guaranteed ✦Maryland · Virginia · Washington DC ✦PCI Level 1 Secure ✦BBB Accredited · Since 2007 ✦
About
Gary Baillio Your Merchant Advocate
Gary Baillio
Founder · CEO · Merchant Advocate
1992
Founded Bancard Systems — Visa certified, building the foundation in merchant services
2007
Founded Merchant Processing Solutions, Inc.
2018
Launched the Practically Zero Fee program — now serving merchants across the US
Today
Still personally managing every account · Best of Annapolis 2023 & 2024
"I don't run a call center. I run relationships. When you call this number, you get me — not a ticket."
33
Years Experience
Gary Baillio has spent 33 years doing one thing: making payment processing honest, transparent, and affordable for small businesses. While most processors hide behind 1-800 numbers and fine print, Gary publishes the 24 "Sins of Omission" — the industry tactics used against merchants — and fixes every one of them for his clients.
His Practically Zero Fee program isn't a gimmick. It's a fully compliant dual-pricing model that has saved hundreds of businesses thousands of dollars per year.
Talk to Gary Directly
No sales team. No middleman. Gary calls you back personally.
Industry Authority & Credentials
One of America's Longest-Running
Tier 1 Visa Certified Processors
Since 1992, Merchant Pro has maintained uninterrupted Tier 1 Visa Certification — a nationally recognized designation held by only a select group of processing companies in the United States. Most processors you've heard of don't come close.
33
Years
Uninterrupted Tier 1 Visa Certification
T1
Tier 1
The highest level of Visa certification
1992
Founded
Bancard Systems → Merchant Pro Continuous certification
ISO
Registered
Registered ISO of PNC Bank, N.A. · FDIC
How We Compare
1992
Merchant Pro
2009
Square Founded
2010
Stripe Founded
2012
Clover Founded
We were already Tier 1 certified before our competitors existed.
In 33 years reviewing merchant statements, we have identified the specific questions that processors and banks systematically avoid — because the answers would cost them money and save you thousands.
SIN #1 — PLATFORM CONFUSION
"Do you know which of the 5 pricing platforms your account is on?"
Tiered, Interchange Plus, Flat Rate, Cash Discount, Surcharge. Your processor knows which one. They're counting on the fact that you don't.
SIN #6 — PIN DEBIT SECRET
"Has anyone shown you signature debit at $6.00 vs PIN debit at $0.35 — same transaction?"
Your processor makes 17× more on signature debit. This single change saves most businesses thousands every year. It's never mentioned.
Sin #17 — The Effective Rate
"Have you calculated your true effective rate — total fees ÷ total volume?"
Under 2.0% = great. Over 3.0% = very high. We've reviewed statements at 5.5%. Most merchants have never done this calculation. Their processor prefers it that way.
There are 24 total sins.
We've documented every one — with plain-English explanations and real dollar impacts.
Every program comes with one flat monthly subscription and unlimited processing — no surprise fees, no hidden charges. Pick the model that fits your business.
A 2.99% fee is applied to credit card transactions only.
*Your business cost on consumer debit cards is 1.5%+$0.25, Mid Qualified cards 2.50% and Non Qualified cards 3.50%. Key-entered debit transactions on the Merchant Pro Terminal do not qualify for the 1.5%+$0.25 rate and will fall into mid or non qualified rates.
Not sure which program saves you the most? Gary will review your current statement free of charge and show you exactly where you stand — call 888-573-1133 or use the savings calculator above.
Client Results
Real Merchants. Real Savings.
★★★★★
"
“I am a very very happy client of Merchant Pro. Getting set up with them was really
really simple and very very professional. I did not have to jump through a lot of hoops.
The paperwork was done in a very organized fashion. Everybody was in touch with my
team every single step of the way… I am very happy to recommend them to anybody
under any circumstances”
Tif
Tif’s Foreign Car Care
yvettemdavis@aol.com
★★★★★
"
“ I would like to extend my sincere appreciation and thank you for offering your services to Springfield Lorton Dental Group at a very generous savings of 30% on all our credit card processing fees. I will definitely be referring you to other businesses.”
Dr. Rosenman
Springfield Lorton Dental Group
★★★★★
"
“Besides getting us a great rate, they really helped us get our money released after we
did a launch and had a bunch of money held. They are always quick to respond, always
keeps us in the loop, and always shoot straight”
Ellyn
Ellyn B Designs
Ebaillio@outlook.com
★★★★★
"
“ Merchant Pro is a user friendly system that when coupled with exceptional customer
service – gives any business owner peace of mind. Big Thanks MerPro!”
Melvena L Sherard
Melvena L Sherard DDA PA
DRMLSHERARD@HOTMAIL.COM
★★★★★
"
Best customer service I’ve experienced, probably ever!
Dario and a few others assisted on getting my business up and going. Making sure
my clover was functioning how I needed it to, my billing was adjusted to fit my needs
and overall experience with Merpro has been thorough, thoughtful and reasonably
priced! I will be telling my friends and other local businesses how happy I am as well!
Thank you Merchant Pro!
Paul Morris
Brothers Sew and Vac
PAUL@BROTHERSEWVAC.COM
★★★★★
"
Getting paid the next day with lower processing fees than with Shopify and I have
personal representatives who handle all questions or issues without waiting on hold
says it all. I’d give 10 Stars if I could.
Raul Villafane
Micro Performance
Ron@itsupportmd.com
By the Numbers
What Switching Actually Looks Like
Representative savings scenarios based on typical merchant profiles and the Practically Zero Fee program. Your actual numbers depend on your volume and current rate — Gary will show you yours for free.
Full-Service Restaurant
~$48,000 / month in card volume
Before — effective rate3.15%
Before — monthly fees~$1,512
After — Practically Zero~$65
~$17,360
Saved per year
Retail Boutique
~$22,000 / month in card volume
Before — effective rate2.85%
Before — monthly fees~$627
After — Practically Zero~$35
~$7,100
Saved per year
Dental / Medical Practice
~$85,000 / month in card volume
Before — effective rate2.95%
Before — monthly fees~$2,507
After — Interchange Plus~$640
~$22,400
Saved per year
These figures are illustrative examples for typical business profiles, not results from specific named clients. They demonstrate how the savings math works — individual results vary based on your processing volume, card mix, and current pricing. Ask Gary for a free, no-obligation analysis of your own statement.
Join hundreds of businesses nationwide that have eliminated their swipe fees.
· Visa Certified · Nationally Recognized · 33 Years
The Process
Here's Exactly What Happens
No mystery, no runaround. From your first call to processing your first transaction, here's the whole path — most merchants are fully live within 48 hours.
1
Call Gary
One quick call — no phone tree, no sales team. Gary picks up and listens to what your business needs.
2
Free Statement Analysis
Gary reviews your current processing statement line by line and shows you — in writing — exactly what you're overpaying.
3
On-Site Setup
We come to your location, install the right POS hardware, and configure everything with you personally. No shipping a box and hoping.
4
Live in 48 Hours
You start processing at your new rate — usually within two business days. Gary stays your direct point of contact for good.
Ready to start? The first call takes about 10 minutes.
Our Practically Zero Fee program uses a fully compliant cash discount / dual pricing model. Card network costs stay where they belong — not on your bottom line. Most businesses are live within 48 hours.
We evaluate each business individually and custom-design a credit card processing approach that meets your specific requirements in the most cost-effective manner possible.
💳
Practically Zero Fee Program
Our signature cash discount / dual pricing program eliminates up to 95%+ of traditional swipe fees — fully compliant with all card brand rules and state regulations nationwide.
🖥️
World-Class POS Systems
Clover, PAX, Verifone, Ingenico, Dejavoo, HP Engage One, Lightspeed — we match every business type with the right system and install it locally, hands-on.
⚡
Next-Day Deposits — Guaranteed
Get funded the next business day, every time. No waiting three to five days for your own money. Faster cash flow, healthier business.
💰
Instant Capital
Qualified merchants can access business cash advances based on future processing volume — fast approval, no collateral, funds when you need them.
🎁
REV Loyalty & Gift Cards
Keep customers coming back with our REV Program — gift card programs, customer loyalty rewards, and text message marketing integrated with your POS.
🔍
Transparency at Its Finest
No secrets, surprises, or deception. Interchange-plus pricing — you see every charge. We review your setup with you personally before you process a single transaction.
🌐
Payment Gateways & eCommerce
Authorize.net, ACH & electronic checks, recurring billing, MOTO, virtual terminals, shopping cart integration. The complete digital payment stack — handled.
🛡️
PCI Level 1 Security
Bank-grade PCI Level 1 compliance with real-time fraud monitoring and end-to-end encryption — protecting your customers and keeping your business out of liability.
📊
Real-Time Reporting
Detailed transaction reports, sales analytics, daily batch summaries, and full reconciliation tools — from any device, anywhere, any time.
Ready to eliminate your swipe fees? Most merchants are live within 48 hours.
With offices in Florida, Georgia, California, and Maryland, you get local, personal service backed by 30+ years of experience — no call centers, no overseas support.
🤝
Personal Relationship
A real person manages your account — not a 1-800 ticket system or an offshore queue.
🏪
On-Site Installation
We come to your location and set everything up. No shipping a box and hoping for the best.
📍
Four Offices Nationwide
Naples FL, Atlanta GA, Fallbrook CA, and Annapolis MD — local presence coast to coast.
⚡
Live in 48 Hours
From first call to processing transactions — most merchants are fully live within two business days.
The call takes 10 minutes. Gary reviews your current processing costs, shows you exactly what you're losing, and builds a plan to eliminate those fees — usually within 48 hours.
888-573-1133 Gary Baillio - Call directly, Mon-Fri 9am-5pm
33 Years · Visa Certified · Nationally Recognized · Best of Annapolis 2023 & 2024
