Credit cards, gift cards, mobile processing, e-commerce – we offer it all

Whether you’ve been in business for years or are just starting out, we have the merchant processing solution that’s just right for you. We’ll show you – in writing – why you’ll benefit from Michigan Retailers processing.

Credit Card Processing

The Michigan Retailers Association understand you want simplicity and you need to save money when it comes to credit card processing. MRA saves members an average of 23 percent on credit card processing fees using an easy-to-understand approach. We service all major credit cards (Visa, MasterCard, Discover and American Express) and offer a variety of deposit options.

With MRA, there are NO hidden fees on the following:

MRA vs other processors

Four big advantages



MRA's Empower Surcharge Program

Surcharging helps you keep more of your profits where they belong – in your pocket.

Learn more about our Empower Surcharge Program or contact us at 800.366.3699 or to see how much money you could save.

MRA's Empower Surcharge Program

Online reporting

Our reporting system provides online access to manage your credit card sales efficiently. You get secure, instant access to your statements, chargebacks and transaction details. No more searching through stacks of receipts of boxes of files.

EMV Mobile and POS

Accept payments anytime, anywhere with in-store solutions, mobile payments and more for businesses of every size. Now you can manage transactions, sales trends, and digital marketing seamlessly – saving valuable time and money in the process.


We support many payment gateways that connect with your shopping cart.

Web-based processing

Our Virtual Terminal allows you to use the Internet to do everything you can do on a conventional POS system. Features include payment gateway, batch upload, ACH processing, recurring billing, back-office integration and more.

Gift card processing

Gift cards make it easy for customers to share their love for your store.

Our gift card program goes beyond plastic, integrating with your website and Facebook page. Because they carry a balance, customers are more likely to return!

ACH payment processing

In addition to accepting credit card payments, we offer ACH (Automated Clearing House) processing utilizing our virtual terminal for lockbox services. This offering is designed to support both recurring and one-time ACH.

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