Merchant Owl delivers custom-tailored payment solutions designed around each business, including interchange-plus pricing, near cost-elimination programs such as cash discounting and dual pricing, and best-in-class POS systems with integrations like VMX POS. Their offerings also include payment terminals, secure gateways, and seamless integrations with platforms such as WooCommerce and QuickBooks.

What sets Merchant Owl apart is how they operate. They act as a true one-stop shop, assign dedicated account managers to every client, and advocate for merchants—not processors. Their team is known for rapid response in urgent situations and for deep industry expertise that ensures clients are set up correctly from day one. With highly competitive pricing, exceptional service, and strong client retention, Merchant Owl continues to stand out in the payments industry.

The takeaway is simple: credit card fees aren’t just a cost of doing business—they’re a strategic decision. Garden centers that periodically review their merchant setup, ask smarter questions, and plan for long-term growth often uncover meaningful savings without changing how they sell or serve customers. As margins tighten and e-commerce continues to grow, overlooking payment processing is no longer an option.