PAYMENTS MADE EASY Need payment solutions? We’ve got you covered. Process payments using Bookkeeper and MyInvoices software, plus everything else you need to complete the sale. Get Started

Welcome Bookkeeper and MyInvoices Clients

You have the software to help your business stay organized, now accept credit card payments and watch your bottom line soar.

Seamless payment integration

Use your existing Bookkeeper or MyInvoices software to seamlessly and securely collect payments via credit card, debit card, and bank withdrawals (ACH).

Great rates

Keyed & swiped transactions

Convenient for your customers

Quick approval & free setup

Easy tracking & reporting

Get paid faster

Beyond keyed & swiped

Solutions for all your processing needs, for all aspects of your business.

In-Store & Mobile Payments

Dip, Swipe, or Tap. We have everything you need for face-to-face sales.

Online Payments

Maximize your eCommerce sales with secure and easy-to-use online tools.

POS Systems

 Integrated solutions make sales and accepting payments easy. Contact us today!

Ready to get started?

Everything you need, and then some

Ready to reduce costs and process more efficiently? The secure payments platform for Bookkeeper and MyInvoices clients includes low rates, unmatched support, and powerful features.


Keep the focus on your business. For integrated partners, hardware and payment services are seamlessly incorporated to give you and your customers a premier, secure, and effortless processing experience.


We understand the importance of cash flow and put zero-day hold on partner accounts, so money is in your bank account sooner.


Our fully integrated custom processing solutions include great rates, easy same-day set up, and absolutely no cancellation fees.


Experience white-glove customer support with our Premier Client Services Team. A dedicated single point of contact for all things processing.


Increase sales and brand loyalty with our turnkey custom gift card program, seamlessly integrated with your POS software.


Our free online portal provides 24/7 access to your merchant account and gateway. Easily view reports, batches, run transactions, and more.


Lower rates with one service contract, one statement, and one deposit for all card brands.


We curate custom hardware packages to support our integrated platforms. Card readers, printers, and cash drawers right for your business, ready to plug n’ play when you are ready to take payments.

Powering Integrated Payment Solutions

Change Merchant Solutions supports thousands of individual businesses and integrated partners.

Jumpstart the Process!

Please review our program details below. Then, take a couple minutes to complete our fast, secure, online application.

Once submitted, you will be contacted by a Payments Advisor to help you select the right terminal and processing solution for your business. You’ll be processing payments in as few as 24 hours. It’s that easy!

Welcome aboard and thank you for your business!

Simple Pricing

No Setup Fee $0.00
Flat Monthly Fee $14.95
Per Transaction* 1.69% + 20 cents, Swiped
2.49% + 20 cents, Keyed
Free Terminals EMV for in-person, gateway for ecommerce
No Cancellation Fee No contract. Cancel anytime.

No Set-up Fee. No Cancelation Fee. No Annual Fee.

Accept All Major Credit Cards

Powerful Online Reporting

Integrated Fraud Tool

Credit Card Updater

Turn-key Gift Cards

Premier Client Services

$100K data protection and easy PCI Compliance

Experience increased sales, premier support, and the exclusive benefits of integrated payments.

Reduction in declines with our integrated card account updater.


Securely processed through our integrated platforms.


Average client savings on processing.


Founded in 2006, CMS is an established, trusted and proven payments partner.

The CMS Difference

Established in 2006, Change Merchant Solutions (CMS) has emerged as a leader in the payments industry, securely processing more than a billion dollars annually for thousands of businesses in the U.S. and Canada.

Custom Solutions

We proudly serve clients of all sizes, in all types of business, but our specialty is integrated partnerships. Providing tailored payment solutions to companies and associations utilizing custom software platforms brings unmatched value to their product sets and client base.

Our Mission

Our mission is simple: Provide our partners and their clients the right processing solution, great rates, and exceptional customer support. We want to earn your business and keep it, but if you are ever dissatisfied, we’ll help you transition to a new processing partner without fees or hassle.

Our core values form our identity

Ethics & Integrity

In everything we do, and without compromise. We know trust is hard to earn and easy to lose.

Earn It Every Day

Without any long-term agreements or cancellation fees, we earn and keep our clients' business every day by doing what's right, not what's easy.

Innovate & Improve

As leaders in the processing industry, we continuously seek to add value to the payments chain for our merchants and integrated partners.