DM Processing
About
Dynamic Merchant Processing is a retail ISO founded in 2005 that provides payment processing solutions to over 2,000 businesses across multiple industries. The company specializes in dual pricing, cash discounting, and compliant POS programs that help merchants eliminate or reduce credit card processing fees. They process approximately $1 billion annually across 13 million transactions and serve businesses ranging from restaurants and retail to B2B and medical offices.
Details
VenSearch Intelligence
Ideal Customer
- DMP's sweet spot is small-to-medium-sized businesses (SMBs) seeking to reduce or eliminate credit card processing fees, particularly restaurants, retailers, gas stations, and B2B firms.
- Their Platinum POS Program and dual pricing solutions are most valuable to merchants processing significant card volume who want to offset processing costs entirely.
Key Differentiators
- DMP's primary differentiator is its cooperative buying network model, which delivers processor-direct wholesale pricing — giving SMBs access to enterprise-level processing costs paired with boutique, personalized support.
- They claim to have pioneered Alabama's first fully compliant Dual Pricing system using advanced POS technology that displays posted prices and produces audit-proof receipts, and they position themselves as compliance experts in an area where many competitors fall short.
Industries Served
- DMP serves 8+ industries, with a stated primary focus on restaurants and hospitality (bars, restaurants, hotels), retail storefronts, B2B companies, petroleum/gas stations, eCommerce/internet retailers, and Second Amendment-related businesses (firearms, ammunition, gun parts, and accessories).
- They also explicitly serve medical offices and pharmacies, offering HSA/FSA acceptance.
Service Coverage
- Dynamic Merchant Processing (DMP) operates nationwide across the United States, having grown from a regional Alabama provider to a national merchant services company.
- As of 2023, they surpassed 2,000 active merchant locations, and their sales team includes regional sales managers covering states such as Georgia and beyond.
Partnerships
- DMP's most significant institutional partnership is its status as a registered retail ISO of TSYS/Global Payments, sponsored by PNC Bank, N.A., which underpins its card processing and underwriting capabilities.
- For eCommerce and card-not-present transactions, DMP is a direct provider for leading payment gateways including Paytrace, Authorize.net, and eProcessing Network.
Company Size & Ownership
- DMP is a small company with approximately 11–50 employees, with one aggregator (CrustData) citing 24 employees and noting 33% headcount growth over the prior year.
- ZoomInfo estimates annual revenue at approximately $19.1 million, though other sources provide lower estimates, reflecting uncertainty in third-party revenue modeling.
Compliance & Certifications
- DMP is a registered retail ISO of TSYS/Global Payments, sponsored by PNC Bank, N.A. (Pittsburgh, PA), which requires adherence to card network compliance rules from Visa and Mastercard.
- They offer a dedicated PCI compliance service with dedicated PCI administrators to help merchants achieve and maintain PCI-DSS standards.
Compiled from public sources by VenSearch · Last researched October 14, 2026
Offerings
13 offerings2A-Friendly Payment Processing
Compliant and dependable payment processing solutions specifically for Second Amendment-related businesses selling firearms, ammunition, gun parts, and accessories, both online and in person. As a registered retail ISO of TSYS/Global Payments sponsored by PNC Bank, Dynamic helps eligible merchants navigate underwriting requirements and maintain reliable payment acceptance.
ACH, ARC & Recurring Billing
Electronic payment collection services including ACH, ARC, and recurring billing designed to transform accounts receivable operations into efficient cash collection systems. These solutions help businesses reduce outstanding receivables and improve cash flow by automating billing and payment collection.
B2B Payment Solutions
Payment processing solutions designed for business-to-business transactions, supporting Level II/III processing and QuickBooks Online integration to reduce invoicing rates on card and ACH payments. Also includes dual pricing and low-cost ACH billing options to help improve cash flow and reduce processing fees on large payments.
Cash Discount Program
A payment processing program that offsets credit card processing costs by offering customers a discount when they pay with cash. The program uses technology to display pricing clearly, giving customers transparency while allowing merchants to retain more revenue with no hidden fees.
Custom Payment Solutions
Tailored payment processing solutions designed to fit the unique needs of individual businesses to maximize savings and functionality. Dynamic assesses each merchant's requirements and matches them with appropriate payment technology and programs. Solutions are customized to improve payment processing while reducing costs.
eCommerce & Card Not Present
eCommerce payment processing services for internet retailers, including direct integration with leading payment gateways such as Paytrace, Authorize.net, and eProcessing Network. Dynamic manages eCommerce services for large internet retailers and serves as a direct provider for these gateway platforms.
Mobile Processing
Mobile-first payment processing solutions that are easy to use, affordable, and secure. Dynamic offers in-house mobile solutions as well as resale of top national mobile products.
Modern & Customized Point of Sale (POS) Systems
Modern POS systems that adapt to businesses of any size, industry, or setup, and integrate with popular third-party platforms and tools. Dynamic's team handles setup, training, and on-site deployment to ensure a smooth transition and long-term success.
Pay At The Pump Processing
A petroleum payment processing program for gasoline stations that works with most fuel controllers and supports fleet card processing. The program expands processing options beyond the limited choices previously available to most gas stations.
PCI Compliance
A dedicated PCI compliance service with dedicated PCI administrators who help merchants achieve and maintain compliance to protect both merchant and consumer payment data. The service is designed to ensure each Dynamic merchant meets PCI standards.
Platinum POS Program
A point-of-sale program that uses dual pricing technology to eliminate up to 100% of credit card processing fees while remaining fully compliant. It includes free POS systems and revamped menus designed to boost sales, with expert on-site setup support and 24/7 customer service. The program launched in 2024 with a focus on dual pricing transparency for customers.
Restaurant & Hospitality Payment Processing
Payment processing solutions that integrate with many of the nation's top point-of-sale systems built specifically for bars, restaurants, and hotels. Combined with Dynamic's wholesale pricing, the solution is designed to deliver cost savings and operational efficiency for the hospitality industry.
Retail Credit Card Processing
Fast, secure, and reliable credit card processing for retail storefronts of any size. Combines payment processing with shelf tag pricing, inventory tracking, and modern terminals to streamline sales operations.
Considering DM Processing?
Our team will work with you to determine if DM Processing is the right fit for your organization. From research and assessment through procurement negotiation and ongoing vendor management — we handle the entire process at no cost to you.