Frequently Asked Questions

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.

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.

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.

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.

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.

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.

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.

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).

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Yes, we offer flexible options for equipment including leasing, financing, and outright purchase. For businesses needing payment plan solutions for their customers, our CRM includes tools for recurring billing and payment scheduling.

Our AI-powered CRM automates customer follow-ups, sends appointment reminders, manages marketing campaigns, and even handles voice calls. It's HIPAA-compliant for medical and dental practices. The best part is it's included with your merchant account for qualifying businesses - no extra monthly CRM fees.

We help you manage and dispute chargebacks effectively. While we can't prevent all chargebacks, we provide tools and guidance to minimize them and fight unfair ones. Karlee works directly with you on any chargeback issues.

Absolutely! When we design your website or set up your CRM, we use your existing business information, phone numbers, and branding. We're here to enhance your business, not change who you are.

PCI compliance refers to security standards for handling credit card data. Yes, all businesses that accept cards need to be PCI compliant. Don't worry - we guide you through the process and provide the tools needed to maintain compliance. It's simpler than it sounds.

Yes! We provide payment gateways and processing for online stores, subscription services, and e-commerce businesses. Whether you need a shopping cart integration, recurring billing, or a custom checkout solution, we can help.

A merchant account is your business bank account that holds funds from card transactions. A payment gateway is the technology that securely transmits transaction data between your customer, you, and the bank. You need both for online payments. We provide both.

Yes, this happens more often than you'd think, especially for certain business types. We have relationships with processors who understand high-risk and specialty businesses. Call us at 1-866-993-8971 to discuss your situation confidentially.

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.