239 Merchant Processing

Payment Solutions for Southwest Florida Businesses

We are local payment solution professionals who know our community, and we are driven to provide the best possible pricing, with a commitment to unparalleled customer service.

Serving clients in Naples, Fort Myers, Marco Island, and all throughout Southwest Florida!

Why Choose Us?

239 Merchant Processing provides businesses of all types with payment processing solutions and point of sale (POS) systems. We use a straightforward approach with no contracts or obligations and great customer service, making us the last merchant services company you will ever need.

Lifetime Rates

Enjoy the freedom of locked-in rates.

No Long-Term Commitments

That's right. There are no contracts, and you can cancel anytime, free of charge.

24/7-365 Customer Service

We are here for you. Anytime. Anywhere.

Payment Processing

Accept all credit cards and debit cards, with the lowest transaction rates available.

No Upfront or Hidden Fees

No application or setup fees.

Point of Sale

We offer state-of-the-art POS systems for every merchant type.

Free Equipment Program

Qualify for a free EMV compliant terminal, mobile swiper, and more.

Business Tools

Get more for your business with our online merchant portals.

These portals allow merchants to track their daily transactions, batch summaries, and deposits, among other features.

Flat Rate Pricing

Flat-rate pricing aims to eliminate some of the confusion surrounding interchange fees and gives you a simple, predictable set of rates that you’ll pay every time.

The primary advantage of flat-rate processing is that you’ll always know in advance exactly how much a given transaction will cost to process. Most flat rates include both a percentage and a fixed per-transaction fee.

Same Day Funding

Merchants accepting credit cards can now be funded by midnight of the same business day, rather than the usual 48-72 hour wait imposed by other processors.

The process is simple: the merchant just needs to batch out the terminal every day before the cut-off time (6:00 PM EST), and the funds will be available in their bank account by the next business day.*

*Not all accounts qualify for this funding program.

Cash Discount Program (Fee Elimination)

Cash Discount Program
(Fee Elimination)

Cash discounting works by giving a discount to your customers who choose to pay with cash instead of a credit or debit card. Customers who choose to pay with a credit card will pay the marked amount because the processing cost is built into the cost of the product. This allows the business owner to get the full payment from the customer and not incur any credit card processing fees.

With our program, you, the merchant, keep all of your sales profits by eliminating your credit and debit card processing fees by passing the fees onto the customer.

Our Services

Shop local, eat local, spend local ... enjoy all that Southwest Florida has to offer! From Naples to Fort Myers to Marco Island and all parts within, support your local businesses. It's time to start a movement!


Today's payment processing marketplace is complicated and crowded. We can help you decipher what products and services will be most impactful for your business needs. We offer new products, value-added services, and service bundles, including:

  • Tools
  • Customer relationship management
  • Social media
  • Alternative payments
  • Multi-channel

In order to broaden your customer base, it is critical that your business has the right payment system in place.

High-Risk Industries

Even when our clients have been turned down by other credit card processors, they have found a home with us. Our business was built so that your business can succeed, no matter what industry you’re in.

We have solutions for:

  • Nutraceuticals
  • Bad Credit
  • Debt Consolidation
  • Payday and Short Term Loans
  • Seminars (Real Estate / Self Help / Business)
  • Tech Support
  • Credit Repair
  • Collection Agencies
  • Adult Products
  • Health and Diet Supplements
  • CBD
  • Cannabis


Accepting credit cards online should dramatically increase sales and allow your business to compete in the growing digital marketplace.

Integrate seamlessly with other E-commerce platforms!

With our dedicated service and support, you can plug into some of the biggest E-commerce platforms and shopping carts:

WooCommerce logo.Shopify logo.Magneto logo.

contactless processing

Contactless payment is a secure method for consumers to purchase products or services using a debit, credit, or smartcard—also known as a chip card—by using RFID technology or near-field communication (NFC).

To make a contactless payment, a consumer would simply tap their card near a point-of-sale terminal that is equipped with the contactless payment technology.

Contactless payment is also referred to as tap-and-go by some banks and retailers. Examples of non-credit or debit card contactless payments include transit cards, Apple Pay, Android Pay, and Google Wallet.

We can set your terminals up to accept these types of payments.

Since contactless payments do not require a signature or a personal identification number (PIN), transaction sizes on cards are limited. The allowable amount for a contactless transaction varies by country and by the bank.

fRee Terminal Placement


  • Verifone VX680 3G (Value $448)
  • First Data FD130 CTLS (Value $305)
  • Dejavoo Z8 Tri Comm (Value $287)
  • Dejavoo Z9 (Value $300)
  • Dejavoo Z11 (Value $300)
  • Ingenico ICT220 (Value $198)
  • PAX A920 (Value $439)


  • Walker 2.0 – Paysafe MobilePay (Value $90)

PIN Pads:

  • First Data FD35 (Value $191)
  • Dejavoo Z3 (Value $252)
  • Ingenico IPP320 (Value $210)

POS Systems:

  • Clover Mini LTE (Value $558)

EASY online ordering App

Allow your customers to click, pick, and pay for their meals online!

During these times, every order counts. No more lost sales due to hold times! Seamlessly pivot and make it easy for your customers to order from you. Easily transform from inbound calls to frictionless order processing!

  • Ideal for any restaurant offering takeout, curbside, or delivery
  • Accept payments automatically at the time of order
  • Take orders directly from your company's website or Facebook page
  • Works with mobile, tablet, or desktop screens
  • No Setup fees
  • No contracts
  • No monthly service fees
  • Zero commissions

Mission Statement

It is our focus to provide the best customer service for our merchants, while providing the most affordable pricing structure possible. Large or small, retail or restaurant, we cater to all industries. Looking for Ecommerce payment solutions? We've got you covered.

So Why 239?

We are local professionals ourselves. We shop and eat locally; we live and love the Southwest Florida life, our state, and the people. Naples, Florida, is where we choose to call home. By providing a single source for point of sale, payment processing, and Ecommerce solutions that is backed by exceptional customer service, we are able to provide Floridians solutions to help their businesses strive.

Best of all, in our commitment to help a community of good neighbors, we will donate $25.00 for every new account opened and processing with 239 Merchant Processing.*

Organizations we suggest donations to:

  • Golisano Children's Hospital of Southwest Florida
  • The Shelter for Abused Women & Children
  • SWFL Veterans Alliance, Inc.
  • Florida Coalition Against Human Trafficking
*after 3 months of continuous processing

Is It Time for a Financial Checkup?

Like most people, we go for a physical checkup once a year. We want to know if all is right with ourselves, and if not, what can we do to make ourselves better.

With that said, businesspeople should also do a financial checkup once a year.  

If you accept credit cards at your business, then you should know that the cost of accepting those cards can be reduced. Monies saved on processing fees fall to your bottom line.

We will prepare a statement analysis of your rates and fees that will provide a side-by-side comparison of all your rates and fees, in an easy-to-read, comparable format. 

This reliable and verifiable checkup is a confidential, no-obligation free service offered by 239 Merchant Processing.

HOW IT WORKS: Send us your processing statement from the previous month (all pages, front-to-back) and cross out anything you may feel is confidential. We will get back to you with our statement analysis within 48 hours, showing you what your current processor's fees are and what your savings would be with us.

#ShopSmall in Naples, FL!

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