Why Choose Us

Servicing Naples, Fort Myers, Marco Island, and all of Southwest Florida

Payment processing is a key part of running a business, but it doesn't have to be expensive or complicated. By choosing 239 Merchant Processing, you can ensure that your business can accept payments quickly and easily and that you are not overpaying for processing fees.

239 Merchant Processing provides businesses throughout Southwest Florida with payment processing solutions and point of sale (POS) systems. We use a straightforward approach and provide great customer service, making us the last merchant processing company you ever need.

Lifetime Rates

Enjoy the freedom of locked-in rates.

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.

List of Free Terminals

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.