AZ Merchant Services is a financial consulting business at 106 S Gilbert Rd in Gilbert, Arizona. The work is straightforward: we help business owners understand and set up credit card processing. That means reading the fine print on processing agreements, explaining what the fees actually are, and helping owners decide whether their current arrangement is worth keeping.
The business is owned by Patrick Liu. If you get in touch, Patrick handles it directly — there is no call center in between and no rotating list of sales reps assigned to your account.
What your processing statement actually says
Most merchant statements are written to be skimmed, not read. Interchange, assessments, markup, monthly minimums, PCI fees, batch fees, gateway fees — they show up in different places on the page, and the number a business owner remembers is rarely the number they are actually paying.
A large part of what we do is translation. Bring a recent statement and we will walk through it in plain language, line by line, so you can see where the money is going. Once you can read the statement yourself, every other decision about processing gets easier — including the decision to leave things exactly as they are.
- Reviewing existing merchant processing agreements and fee schedules
- Explaining rate structures in plain language, without jargon
- Setting up credit card processing for new and established businesses
- Comparing what a business currently pays against what is available
- Answering questions about equipment, gateways and card-present versus card-not-present transactions
How Patrick works with business owners
Payment processing is one of those costs that quietly sits in the background for years. Owners sign up during a busy opening week, the account works, and nobody looks at it again. Meanwhile the rate creeps, the equipment ages, and the terms roll over automatically.
Our approach is consultative rather than transactional. We look at how your business actually takes money — counter sales, invoices, phone orders, online checkout, recurring billing — because the right processing setup for a coffee shop is not the right setup for a contractor billing on net-30 terms. Then we tell you what we see. There is no pressure to switch.
Serving Gilbert and the East Valley
We are based in Gilbert and work with business owners across the surrounding area, including Chandler, Mesa, Tempe, Scottsdale, Apache Junction, Paradise Valley, Phoenix, Fountain Hills, Glendale and Coolidge. Some conversations happen in person, some over the phone — whichever suits how you run your day.
Alongside credit card processing, we can point you toward related resources for your business, including information on an Unsecured Loan and Website Marketing For Your Business. If you would like to get the paperwork moving before we speak, you can Download PDF and bring it with you.
Talk to us about your processing
The first conversation is a complimentary consultation. Bring your questions, bring your statement if you have one handy, and we will give you a clear picture of where you stand. You can reach AZ Merchant Services at (480) 280-7944or visit us at 106 S Gilbert Rd, Gilbert, AZ 85295. You can also follow along on Instagram and Facebook
Merchant Services and Consulting is a financial consultant located in Gilbert, AZ, providing services related to credit card processing.
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