HMF Balling logo in white for payment processing
HMF Balling answers "What are merchant services?"

If you’re a business owner or someone who sells products or services online, you may be asking “what are merchant services?” You may have heard the term, but maybe you’re not familiar with all the things that fall under that category.

Merchant services are basically all the things that happen between when someone pays you with a credit card or a check instead of cash, and when you withdraw the money from that transaction. The involvement of banks, the accounts used, even the hardware and software – all of these things and more add up to answer the question: What are merchant services?

Since you can’t simply walk into a bank with a 16-digit card number, expiration date, and signature and walk out with either cash or a larger bank account, sellers need a range of services to process payments from buyers. These things include merchant accounts, gateways, accounting software, and hardware like card readers or even full point of sale systems.

Merchant services point of sale
HMF Balling Inc is a Prescott Chamber of Commerce Member
Joel Hurley at HMF Balling Inc helps with merchant services
HMF Balling Inc is a member of the Better Business Bureau

One of the most important decisions a business owner can make is what company to select to help them with these merchant services. Finding a company they can trust, and one that can provide as many of these services as possible, can be a challenge. Checking to make sure the company is experienced, competent, and has a good track record with satisfied clients is absolutely key.

HMF Balling logo in white for payment processing and merchant services

HMF Balling, Inc has been providing merchant services to businesses and sellers for almost 20 years now. Our specialty is saving our clients money on their credit card transactions while offering all of the services that make their payment processing as easy as possible.

From integrating our own merchant accounts with popular software and online accounting products like Quickbooks, to providing hardware that includes card readers and full point of sale systems, we pride ourselves on being a great option that you can trust when choosing a company to handle your credit card and check processing for your business.

Find HMF Balling, Inc. On

HMF Balling merchant services on yelp
LV reviews for Credit Card Processing and Merchant Services
HMF Balling merchant services on youtube

We’ve been working in this space with many different types of businesses, and we have an A+ rating with the Better Business Bureau. Owner Joel Hurley is an Ambassador with the Prescott, Arizona Chamber of Commerce. Check out this list of acceptable businesses that HMF Balling, Inc has been successful with, and if you don’t happen to see a category that matches your business, don’t hesitate to contact us to see if we might be a good fit.

For a free, quick and easy consultation to find out if we can help you save money while providing your business the merchant services it needs, simply give us a call at 602-932-5711. We look forward to hearing from you!