Credit Card Processing & POS Systems for Puerto Rico Businesses
Island-wide installation across San Juan, Bayamón, Ponce, Mayagüez, and Caguas. $0 upfront hardware for qualifying merchants. Bilingual Spanish / English support and hurricane-grade backup configurations.
A US territory with a uniquely Caribbean retail economy.
Puerto Rico is part of the United States — Visa, Mastercard, AmEx, and Discover all process through standard U.S. card-brand rails — but the merchant experience on the island is unlike any state. Merchant Solutions Corp installs Clover POS and Dejavoo terminals across all 78 municipalities of Puerto Rico, with bilingual Spanish / English receipts, hurricane-grade 4G failover, and IVU (11.5% sales-and-use tax) pre-configured for compliant SURI filings.
The Puerto Rico merchant landscape is shaped by tourism, agriculture, and a heavy cruise-ship economy. San Juan welcomes more than 1.7 million cruise passengers per year through the Pan American and Pier 1 docks. Old San Juan's blue-cobblestone streets are lined with restaurants, fashion retail, and rum-tasting rooms that need surge-rated POS during peak ship-arrival mornings. We deploy Clover Flex for mobile checkout and Square Terminal for kiosk-style operations across the cruise corridor.
Puerto Rico merchants run the full stack — Clover Station Duo for Condado and Isla Verde resort restaurants, Clover Flex for Old San Juan walking-tour vendors, dual pricing (legal under U.S. card-brand rules) for fee-conscious bodegas and panaderías, and ATH Móvil acceptance — Puerto Rico's dominant peer-to-peer rail — alongside Visa/Mastercard/AmEx.
San Juan Industries We Serve
Deep playbooks for the verticals that drive San Juan's economy.
Hotels & Resorts
Condado, Isla Verde, and Dorado Beach resorts — PMS-integrated payments, multi-currency, and pool-side mobile checkout.
Restaurants & Mofongo Spots
Old San Juan tourist restaurants, Santurce indie kitchens, and Ponce family panaderías — bilingual receipts and tableside Clover Flex.
Tourism & Cruise
Old San Juan cruise vendors, El Yunque rainforest tour operators, and Vieques day-trip charters — surge-rated Clover Flex with 4G.
Retail & Bodegas
Plaza Las Américas mall tenants, Old San Juan boutiques, and bodega-style colmados — EBT-equivalent NAP/PAN benefit acceptance.
Marine & Watersports
Fajardo charter boats, La Parguera bioluminescent kayak tours, and Culebra dive shops — weatherproof Clover Flex and dock-side acceptance.
Act 60 & Professional Services
Act 60 / Act 22 tax-incentive relocations, Condado professional offices, and Hato Rey corporate services — virtual-terminal recurring and ACH B2B.
San Juan Regions We Install In
Same-week on-site installation, in-person staff training, and dedicated account manager — across every major business district.
Old San Juan (Viejo San Juan)
UNESCO-zone tourist core — El Morro and La Fortaleza restaurants, art galleries, and rum-tasting rooms. Surge-rated POS during cruise-ship arrivals.
Condado & Ocean Park
Resort restaurants, beach-club retail, and oceanfront fine dining — multi-currency display and bilingual receipts.
Santurce & Hato Rey
Indie restaurant scene, professional offices, and Plaza del Mercado vendors — Clover Mini and ATH Móvil acceptance.
Isla Verde (Carolina)
Resort properties, beach restaurants, and Ritz-Carlton-area concierge billing — PMS-integrated payments.
Bayamón & Guaynabo
Suburban retail, family restaurants, and large-format chains — Clover Mini and EBT-equivalent benefit acceptance.
Ponce (Southern Puerto Rico)
Plaza Las Delicias-area restaurants, family-owned panaderías, and Caribbean-coast tourism — same-week install via Highway 52.
Mayagüez (Western Puerto Rico)
University-town retail, Mayagüez Mall tenants, and West Coast surf-tourism vendors.
Vieques & Culebra
Boutique inns, dive shops, and bioluminescent-bay charter operators — Clover Flex with 4G failover.
POS Hardware We Install in San Juan
Choose from leading brands — installed, configured, and supported by our local team.
POS Systems
Clover POS Systems
- Inventory tracking
- Employee management
- Sales reporting
- Online ordering
- Free Clover placement program
Square POS Systems
- Easy setup and onboarding
- Integrated payments and POS
- Mobile and tablet compatibility
- Built-in invoicing and subscriptions
- Authorized Square dealer
Exatouch POS Systems
- Full-feature restaurant + retail POS
- Tableside ordering with handhelds
- Built-in loyalty + gift cards
- Cloud reporting & inventory
- 24/7 US-based support
Smart Payment Terminals
Dejavoo Smart Terminals
- Android-based smart terminals
- Built-in dual-pricing display
- WiFi + 4G + Ethernet
- EMV, NFC, contactless
- Free placement available
Ingenico Payment Terminals
- Secure, PCI-compliant transactions
- High-speed processing performance
- Durable for high-volume use
- Seamless gateway integrations
- AXIUM Android line available
PAX Smart Terminals
- A920, A80, A35 Android family
- EMV chip and contactless
- 4G + Wi-Fi connectivity
- Multi-currency settlement
- Retail and hospitality ready
Why San Juan Businesses Choose Merchant Solutions Corp
We are not a national 1-800 processor with a remote rep. We are a Florida-based, owner-operated team that ships nationwide.
Same-Week Install
Island-wide install in 7-10 business days. We dispatch from San Juan with same-week coverage to Ponce, Mayagüez, Caguas, and Bayamón.
$0 Upfront Hardware
Qualifying Puerto Rico merchants get Clover and Dejavoo terminal placement at $0 upfront. See free POS terms.
Dedicated Account Manager
Bilingual ES / EN account managers, hurricane-season emergency-replacement program, and 4G-failover backup pre-deployed at no cost.
San Juan Payment Processing FAQ
Is Puerto Rico considered domestic US for credit card processing?
Yes. Puerto Rico processes through standard U.S. Visa, Mastercard, AmEx, and Discover rails — same interchange as the mainland. Settlement runs to a U.S. dollar bank account with same-day or next-day funding.
Do you handle 11.5% IVU and SURI filings?
Yes. Our Clover and Square POS configurations pre-calculate Puerto Rico's 11.5% IVU (10.5% commonwealth + 1% municipal) and produce reports that map directly to your SURI tax-portal filings.
Do you accept ATH Móvil at the POS?
Yes. Puerto Rico's dominant peer-to-peer payment rail — ATH Móvil — integrates with Clover and Square via QR-code acceptance alongside Visa, Mastercard, AmEx, and Discover.
How do you handle hurricane-season risk?
Every merchant we install in Puerto Rico receives a Clover or Dejavoo terminal with built-in 4G failover, offline mode, and an emergency-replacement program. We pre-stage spare hardware in San Juan and Ponce ahead of named storms.
Is dual pricing / cash discount legal in Puerto Rico?
Yes. Puerto Rico follows U.S. card-brand surcharging rules — dual pricing and cash-discount programs are permitted with proper signage and POS receipt language. We pre-configure the program at install.
Do you serve Act 60 / Act 22 relocations and high-net-worth individual merchants?
Yes. Many Act 60 / Act 22 beneficiaries operate Condado-area family offices, asset-management firms, and crypto-adjacent businesses. We underwrite high-ticket merchant accounts with appropriate compliance setup.
