For CPAs, EAs, Bookkeepers & Advisory Firms
Payment Processing for Accountants & Bookkeepers
Stop Funding Your Clients' Cash Flow.
If you're still chasing invoices manually, you're running your firm like it's 2005. We automate the collection — so retainers hit on the 1st, fees drop 30–60%, and you stop losing 10+ hours a month to billing.
- ACH invoicing — flat fee, no percentage drag
- Recurring billing for monthly retainers
- Virtual terminal for phone payments
- Tap-to-pay on iPhone for closings
- QuickBooks & Xero auto-reconciliation
The average accounting firm gets paid 14–28 days late on invoiced work.
That's not a client problem. That's a system problem.
We fix all of it in under 30 days.
Merchant Solutions Corp gives accounting practices a billing system that auto-collects retainers, cuts processing costs by 30–60% with ACH-first pricing, and syncs every payment to QuickBooks or Xero — so the books reconcile themselves.
If You're Still Invoicing Manually, You're the Bottleneck
Accounting practices are different from every other business:
- Retainers, hourly bills, and one-off projects in the same week
- Client mix from solo entrepreneurs to multi-entity LLCs
- A 90-day tax-season cash spike followed by 9 quiet months
- Card fees that quietly delete $3,000–$15,000 of revenue per year
- Generic merchant accounts process cards. They don't fix the leak.
- You need a billing engine — not retail hardware.
Average firm loses
$10,440/yr in card fees
What you get:
One merchant account. Every way clients pay. Reconciled to your books.
The 30-Day Outcome
What This Actually Does for Your Firm in 30 Days
We don't sell you a merchant account. We rebuild your collection process — measurably.
The math on a 12-client retainer book:
At $2,500/mo per client on cards (2.9%), you bleed $10,440/year in fees.
Shift to ACH: that drops to ~$108/year.
That's $10,332 back in your pocket — every year.
This is the offer.
Choose the Right Tool Based on How Your Practice Bills
Five purpose-built tools. One merchant account. Every payment type covered.
ACH Invoicing
Recommended for Retainers
Best for: Monthly retainers, advisory engagements, year-end tax invoices over $1,000
- Flat fee: $0.50–$1.50 per transaction (vs 2.9% on a card)
- Zero percentage drag — same cost on a $500 invoice as a $5,000 one
- Auto-charges saved bank accounts on schedule
Outcome: Save $71/month per retainer client. $850/year. $10K+ across a 12-client book.
Recurring Billing
Predictable Cash Flow
Best for: Monthly bookkeeping packages, advisory subscriptions, payroll services
- Auto-charges card or ACH on the same day every month
- Automatic dunning when cards fail (recover ~85% of failed payments)
- Predictable cash flow, zero invoicing labor
Outcome: Reclaim 8–12 hours/month. Eliminate "where's my invoice?" emails.
Card Invoicing
Premium Convenience
Best for: New clients, smaller jobs, clients who prefer rewards cards
- Hosted "Pay Now" page — branded with your firm
- Mobile-friendly, paid in under 60 seconds
- Pass the fee through with dual pricing if you choose
Outcome: Cut payment lag from 14 days (mailed check) to under 24 hours.
Virtual Terminal
Phone Payments
Best for: Tax-season rushes, mail-in 1040s, elderly clients on the phone
- Browser-based payment screen — no hardware
- Key in card or ACH during a phone call
- Saved profile for repeat clients
Outcome: Capture 40%+ more tax-season payments before the call ends.
Tap-to-Pay on Phone
In-Office Closings
Best for: In-office closing meetings, off-site client visits, conference signups
- Use your iPhone or Android as the reader
- Tap or insert chip — no terminal hardware
- PCI-compliant, EMV-grade, tokenized
Outcome: Close the engagement and collect on the spot. $0 hardware cost.
You Don't Need a POS. You Need the Right Gateway.
Most accounting firms don't have a counter, a register, or walk-in foot traffic. You need a billing engine — not retail hardware.
Recommended — Covers 90% of Firms
MSC Payment Gateway
- Hosted invoicing with branded "Pay Now" pages
- Recurring billing engine (card or ACH)
- Virtual terminal — key payments from any browser
- Tokenized card-on-file vault (PCI Level 1)
- ACH + credit card on one dashboard
- QuickBooks Online & Xero auto-reconciliation
- Branded statement descriptor (your firm name)
- No hardware required
Optional Add-On Terminals — only if you want a physical handoff:
Payanywhere Smart Flex / POS+
All-in-one smart device + tap-to-pay on iPhone for in-office closings. Best for firms wanting to physically tap clients in at the front desk.
Learn moreDejavoo (Z11, P3, P5)
Countertop or handheld terminal with built-in dual pricing. Perfect for a clean front-desk handoff with the card-fee passthrough already baked in.
Learn moreOutcome: Accept every payment type. Zero overbuilding. Most firms never buy hardware.
Before vs After Working With MSC
| Before MSC | After MSC |
|---|---|
| Clients pay 2–3 weeks late | Retainers auto-collected on the 1st |
| Manual invoicing every month | Recurring billing runs itself |
| 2.9–3.5% lost to card fees | 30–60% cost reduction with ACH-first |
| Chasing payments by email | Failed payments auto-retry & dun |
| 4 hours of month-end reconciliation | <30 minutes with QuickBooks/Xero sync |
| No way to take phone payments | Virtual terminal in any browser |
| Mailed checks delaying cash | 24-hour funding on every payment |
| "Did you get my invoice?" | "Thanks — payment confirmed." |
The decision is obvious.
Everything You Need to Get Paid Faster and Keep More of It
Most merchant accounts give you a card swipe. We give you a billing operation.
Faster cash. Lower fees. Cleaner books. Hours back in your week.
We Remove the Risk. You Keep the Upside.
If we don't reduce your effective rate or speed up collections, you owe us nothing.
Built for Every Type of Accounting Practice
CPA Firms
EAs / Tax Practitioners
Bookkeeping Services
Outsourced CFO / Advisory
Payroll Service Providers
Forensic Accountants
Estate & Trust Practitioners
Virtual / Cloud-Based Firms
Multi-Partner Firms
Solo Practitioners
If you bill clients on a recurring or invoice basis, this is built for you.
Why Accounting Firms Choose Merchant Solutions Corp
You don't just get a merchant account. You get a billing system that pays for itself in saved card fees within the first 60 days.
Frequently Asked Questions
Stop Funding Your Clients' Cash Flow
Every month you wait costs you:
- • 2.9–3.5% of every card payment — gone
- • 2–3 weeks of cash float to clients you're carrying
- • 10–15 hours of invoicing and chasing
- • $10,000+/year on a 12-client retainer book
We fix that in under 30 days. No long-term contract. Free fee audit before you switch.
Programs Built for Accounting Firms
