Question 1

What makes the Daddy-Daughter Duo different from other merchant service providers?

Accepted Answer

We're a real family business that prioritizes honesty and transparency. After my dad was burned by hidden fees in the industry, we committed to doing things differently. Karlee answers the phone personally, we never hide fees, and we treat your business like family. Our 5.0 Google rating speaks for itself.

Question 2

How much can I save by switching to Karma Merchant Brokers?

Accepted Answer

Most of our clients save between $500-$2,000 per month when they switch to us. We'll do a complimentary rate analysis to show you exactly how much you're currently paying versus what you'd pay with us. No obligations, just honest numbers.

Question 3

Are there any hidden fees?

Accepted Answer

Absolutely not. What you see is what you pay. We provide transparent pricing upfront and there are zero hidden fees. This is a promise we make to every client because my dad learned the hard way how damaging hidden fees can be.

Question 4

How quickly can I get approved and start accepting payments?

Accepted Answer

Most businesses get approved within 24 hours. Once approved, we can have your equipment shipped and you can be accepting payments within a few days. We move fast because we know every day matters to your business.

Question 5

Do you work with high-risk businesses?

Accepted Answer

Yes! We specialize in helping businesses that other providers consider 'high-risk.' We have partnerships with processors who understand these industries and can get you approved when others won't.

Question 6

What types of businesses do you serve?

Accepted Answer

We specialize in small local businesses including dental offices, auto body shops, medical practices, daycares, tire shops, truck accessory stores, fruit stands, salons, spas, and many more. If you're a small business owner, we can help.

Question 7

Is your CRM HIPAA-compliant?

Accepted Answer

Yes! Our AI-powered CRM is fully HIPAA-compliant, making it perfect for dental offices, medical practices, and other healthcare businesses. We take data security seriously.

Question 8

Do I need to sign a long-term contract?

Accepted Answer

No long-term contracts required. We earn your business through great service, not by locking you in. You're free to leave anytime if you're not satisfied (though our clients rarely do).

Question 9

What payment methods can I accept?

Accepted Answer

You can accept all major credit cards (Visa, Mastercard, American Express, Discover), debit cards, contactless payments (Apple Pay, Google Pay), and chip cards. We offer solutions for in-person, online, and mobile payments.

Question 10

How much does equipment cost?

Accepted Answer

Equipment costs vary based on your needs. We offer both purchase and lease options. During your complimentary consultation, we'll recommend the best equipment for your business type and budget.

Question 11

Do you provide 24/7 support?

Accepted Answer

Yes! Karlee and our team are available around the clock. When you call, you get real people who know your business and can solve problems fast. No automated systems, no endless hold times.

Question 12

Can you help me with my business website?

Accepted Answer

Absolutely! We design custom, mobile-responsive websites that are SEO-optimized and built to convert visitors into customers. Many of our merchant clients also work with us for web design.

Question 13

What is the AI-powered CRM and is it included?

Accepted Answer

Our AI-powered CRM helps automate your marketing, manage customer relationships, send automated follow-ups, and track customer interactions. It's included with your merchant account at no extra cost for qualifying businesses.

Question 14

How do I get started?

Accepted Answer

Simply call us at 1-866-993-8971 or fill out our contact form to request a complimentary quote. We'll analyze your current rates, answer all your questions, and provide a transparent proposal with no pressure or obligations.

Question 15

What if I have technical problems with my equipment?

Accepted Answer

Call Karlee directly. She'll walk you through any issues and get you back up and running fast. If hardware needs to be replaced, we handle it quickly. Your success is our success.

Question 16

Who are the Daddy-Daughter Duo?

Accepted Answer

We are Karlee and her dad - a real family team based in Columbia, Missouri. After my dad was overcharged $10,000 for a POS system that should have cost $3,000, we decided to start Karma Merchant Brokers to provide honest, transparent merchant services. Karlee handles most client communications and support, while dad focuses on backend operations and partnerships.

Question 17

What states do you serve?

Accepted Answer

We're headquartered in Columbia, Missouri and serve businesses across 18 states. Our strongest presence is in Missouri (Columbia, Boone County, Jefferson City, Mexico, Fulton, Moberly, Ashland), but we work with clients nationwide who want honest, personal service from a family business.

Question 18

How much do merchant services typically cost?

Accepted Answer

Processing rates vary by business type, transaction volume, and average ticket size. Most businesses pay between 1.5%-3.5% per transaction plus monthly fees. The problem is that traditional processors hide fees in confusing statements. We provide transparent pricing so you know exactly what you're paying and why.

Question 19

Can you lower my current processing rates?

Accepted Answer

In most cases, yes. When we analyze your current statement, we typically find opportunities to save $500-$2,000 per month. Common issues include inflated rates, unnecessary fees, poor rate structures, and hidden charges. We'll show you a side-by-side comparison so you can see the difference.

Question 20

What is interchange-plus pricing?

Accepted Answer

Interchange-plus is the most transparent pricing model. You pay the base interchange rate (set by Visa/Mastercard) plus a fixed markup. This means you can see exactly what we make versus what goes to the card networks. We recommend this over tiered pricing, which obscures the true costs.

Question 21

Why should I choose a local merchant services provider over a national company?

Accepted Answer

National processors often route you through call centers where you're just a number. With Karma Merchant Brokers, you get Karlee's personal cell phone number. You talk to the same people every time. We understand local Columbia MO businesses because we are one. When you need help at 8pm on a Saturday, Karlee picks up.

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