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One specialist, end to end.
You get a named account owner from the first quote through your third terminal rollout. No ticket queue. No phone-tree. Their direct number is in your welcome email.
About PayMullet
Built by payments people,
for the people who take payments.
PayMullet was founded by a team with a combined 30+ years in merchant services, underwriting, and risk. We’ve worked inside the processors, the ISOs, the banks, and the back offices that move billions in card volume every day — and we built PayMullet to fix the parts of this industry that have been broken for too long.
30+ yrs
combined payments experience
40+
sponsor bank partners
$1B+
annual volume processed
5,000+
merchants served
All figures reflect the PayMullet network across our sponsor bank partners.
Merchant services is one of the last industries where the people selling it count on you not reading the statement.
Every founder on this team spent years inside that system — as processors, as agents, as underwriters, as the back office that watches money move. We watched operators get quoted one rate and charged another. We watched flat-rate processors skim three points off the top. We watched high-risk merchants get ghosted the week before a launch because a bank changed its appetite.
PayMullet exists because we already know how this works. We know where the margin gets buried. We know which bank says yes to hemp, which one moves fast on B2B, which gateway will still be there in twelve months. And we know the difference between a processor that calls you back and one that sends you to a ticket queue.
So we built the thing we wished existed. One specialist owns your account, end to end. Every payment surface runs on the same pipes. 0% processing where compliant, true interchange pass-through everywhere else, and a quote you can actually reconcile against your statement. No tricks. Business up front, party in the back.
— The PayMullet team · Dallas, TX
Where we’ve been
Decades of payments, inside the machine.
Our team has worked at the processors, banks, and ISOs that actually move the money — not the brands you see on billboards.
14 yrs
ISO & agent leadership
Portfolio boarding, residual ops, and the operational muscle of running a book from day one to day 1,000.
9 yrs
Underwriting & risk
Time on the other side of the desk — approving, declining, and reboarding merchants across 22+ verticals.
7 yrs
Gateway & platform
Building, integrating, and supporting NMI, Authorize.Net, and proprietary gateways for retail and e-com.
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Verticals served
From single-location coffee shops to multi-state CBD operators, B2B platforms, and enterprise franchise groups.
Worked with or at processors and platforms including
- First Data / Fiserv
- TSYS
- Elavon
- Global Payments
- Clover
- NMI
- Authorize.Net
- Valor
- Dejavoo
- PAX
- KwickPOS
- EPOS Now
- RPOWER
How we work
One conversation. Every payment solution your business needs.
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Same-day, line-by-line quotes.
Send your last statement; we audit it and send you a side-by-side comparison. If we can’t save you money, we say so. No hard sell, no “teaser” rates that reprice in 90 days.
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24–72 hour underwriting.
We underwrite in-house against the sponsor bank that fits your vertical — hemp-friendly, B2B, retail, high-risk. Files go in fully prepped, so approvals come back in hours, not weeks.
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Next-day funding, reporting you can read.
Deposits in 24 hours on every surface — in-person, online, invoiced, recurring — plus a reporting layer that reconciles at the ledger level, not the marketing level.
Partners & trust
A bank network that says yes where others won’t.
PayMullet processes in-house, backed by relationships with 40+ sponsor banks — hemp-friendly, B2B-specialized, and high-risk-tolerant. We underwrite to the bank that fits your vertical, which means faster approvals, fewer surprise holds, and a real home for the businesses other processors won’t touch.
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PCI-DSS compliant End-to-end encrypted transmission on every surface, SAQ support included.
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Card-brand rule monitored Surcharge, cash-discount, and dual-pricing programs deployed under current Visa & Mastercard rules.
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State-compliant disclosures Plain-English point-of-sale disclosure kits, already running in thousands of US stores.
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US-based support, 24/7 Real humans in Dallas, TX — not a call tree, not an overseas third-party.
What we believe
Four rules we don’t break.
Read your statement with you.
Every quote starts with a line-by-line audit of your current processor’s statement. If we can’t save you money, you hear that. Nothing else earns the conversation.
No teaser rates, no step-ups.
The rate we quote is the rate that shows up on month one — and month twelve. Every fee you’ll ever pay is disclosed up front, in writing.
Own it end to end.
Processing, equipment, gateways, compliance, disputes, working capital — all of it runs through one specialist on our side. You never have to explain your business twice.
Pick up the phone.
Every PayMullet merchant has a direct number to a real person in Dallas. “Open a ticket” is not our answer. It’s often the reason people switch to us.
Let’s talk
See what 30+ years of payments experience saves you.
Send us your last statement. We’ll audit it, send a same-day side-by-side quote, and — if the numbers work — have your account underwritten in 24–72 hours.