20+ Years • 12,000+ Businesses

Next-Generation
AI, Marketing,
& Payments

We don't just build websites. We upgrade your entire business stack—lower your fees, automate your workflows with AI, and drive real traffic to your door.

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Businesses Served

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Industry Experience

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Limited Offer: Sign up for merchant services & get free custom gift card design & printing for your business.
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What We Do

Three Pillars to Dominate Your Market

Everything your business needs to win—under one roof.

Fintech & Merchant Services

Stop overpaying for payment processing. We offer transparent pricing, free terminals, and next-day funding. Accept every major card with zero contracts.

  • Credit Card Processing & Dual Pricing
  • Cloud POS Systems & Hardware
  • Payment Gateways & E-Commerce
  • Mobile Payments & Gift Cards

Web & Marketing

High-end websites that convert, SEO that drives real traffic, and marketing strategies that put your brand in front of the right customers at the right time.

  • Premium Web Design & Development
  • SEO & Content Strategy
  • PPC & Social Media Advertising
  • Brand Identity & Graphic Design

AI & Automation

Deploy custom AI agents and automation that work for your business around the clock. From trading bots to internal assistants, we build intelligent systems that scale.

  • Custom AI Assistants & Chatbots
  • Autonomous Trading Bots
  • Workflow Automation & Data Pipelines
  • AI-Powered Analytics & Insights
Why Top Merchant Services

We Don't Just Build Websites.
We Upgrade Your Entire Stack.

Most agencies do one thing. We handle everything—your payments, your marketing, and your AI infrastructure. One partner. One bill. Total transformation.

Lower Your Credit Card Fees

Transparent interchange-plus pricing or our zero-fee dual pricing program. No contracts, no hidden costs. Keep more of your revenue.

Automate with Custom AI

From chatbots that handle customer inquiries 24/7 to AI assistants that streamline your operations—we build the automation your competitors wish they had.

Drive Real Traffic & Revenue

SEO, paid ads, and conversion-optimized web design that actually moves the needle. We don't do vanity metrics—we drive results you can deposit.

Local, Hands-On Support

We're not a faceless SaaS company. We show up. We're based in the Upper Midwest and available 24/7 with real, human support.

Zero-Fee Processing Available

Dual pricing lets you keep 100% of your revenue

Next-Day Funding

Get your money when you need it, not weeks later

AI-Powered Business Intelligence

Smart analytics that predict trends and optimize decisions

No Contracts. Ever.

We earn your business every month, no lock-ins

How It Works

From Audit to Acceleration

Four simple steps to transform your business operations.

01

Discovery & Audit

We analyze your current systems, fees, workflows, and online presence to identify every opportunity for improvement.

02

Custom Strategy

We build a tailored plan combining AI, marketing, and payment solutions designed around your specific goals and budget.

03

Build & Launch

We implement everything—new POS systems, AI automations, marketing campaigns, and your new web presence. Fast.

04

Optimize & Scale

Ongoing support, performance monitoring, and continuous optimization. We grow with you—24/7 support, always.

Latest Insights

Merchant Insights

Strategies to lower fees, grow revenue, and modernize your business.

Industries We Serve

Built for Every Business

From restaurants and retail to e-commerce and professional services—our AI, marketing, and payment solutions are tailored to your industry across Minnesota, Wisconsin, Iowa, and beyond.

Restaurants & Bars Retail & Boutiques E-Commerce Food Trucks & Mobile Salons & Spas Auto & Service Shops Professional Services Healthcare & Wellness Nonprofits & Churches SaaS & Tech Startups
FAQ

Questions? We've Got Answers.

Dual pricing displays two prices at the point of sale—a cash price and a card price. The card price includes the processing fee, so your business keeps 100% of the cash price revenue. It's fully compliant, transparent to customers, and eliminates your credit card processing fees entirely. Top Merchant Services handles all the setup with free terminals and signage.

We build custom AI solutions including 24/7 customer service chatbots, AI-powered appointment scheduling, automated lead follow-up systems, custom trading bots, internal AI assistants for your team, data analytics dashboards, automated inventory management, and AI-driven marketing campaigns. Every solution is tailored to your specific workflows and goals.

No. We never lock you into contracts. Our credit card processing, POS systems, AI solutions, and marketing services are all provided on a month-to-month basis. We believe in earning your business through results, not legal fine print. You're free to leave any time—but our clients rarely do.

We provide hands-on, local service across Minnesota, Wisconsin, Iowa, and the entire Upper Midwest region. For our AI automation and web design services, we work with businesses nationwide. Whether you need someone on-site to install a POS system in Minneapolis or a custom AI chatbot for your e-commerce store, we've got you covered.

With our payment processing, you get next-day funding as standard. Transactions processed by end of business are deposited into your bank account the following business day. No waiting days or weeks for your money—better cash flow means a healthier business.

Ready?

Stop Leaving Money on the Table.

Every day without optimized payments, AI automation, and a real marketing strategy is money lost. Let's fix that—starting with a free business audit.