Miami, Florida
Card processing at cost, priced from your statement, for Miami businesses
Miami businesses serve customers in English and Spanish, and so do we. From cafecitos in Little Havana to boutiques in Wynwood and exporters in Doral, we help South Florida businesses pay what card processing really costs, with support around the clock in both languages.
- Serving Brickell, Wynwood, Little Havana & more
- Month-to-month
- AI answers 24/7, people on weekdays
Doing business in Miami
Who takes cards in Miami, and what it costs them
South Florida combines tourism and hospitality with trade: Doral and the area around the airport and port are full of importers, exporters, freight forwarders and wholesale distributors. Add a large beauty, wellness and retail scene, and you get a mix of local, tourist and business cards.
Most processors price all of that with tiers or bundled rates, so the markup is hard to see. With cost-plus, interchange and card-brand fees pass through at cost, exactly as Visa, Mastercard, Discover and Amex set them, and Mojo builds a pricing program on top from your own statement: each part of the bill priced separately, the lowest price on the payments you run most, and tools that cut the cost of the rest. How our pricing works →
Areas we serve
Brickell · Wynwood · Little Havana · Coral Gables · Doral · Hialeah · Fort Lauderdale
- No tiers or "non-qualified" rates
- Every fee shown, current next to proposed
- Month-to-month, no cancellation fee
- Live in about 3 business days
Miami merchants
Why cost-plus fits Miami businesses
Restaurants & cafés
Many visitors pay with premium and international cards. Cost-plus shows what each one actually costs, with no tier markups added.
Retail & boutiques
A mix of local debit and tourist credit. Cost-plus means your cost follows the real card mix, not a bundled guess.
Beauty & wellness
Repeat clients and steady tickets. Every fee is shown and explained in your quote.
Import, export & wholesale
B2B invoices paid by corporate cards. Level 3 line items can lower what those cards cost.
Level 3 in Miami
Selling to other businesses? Lower what their cards cost you.
Doral and the port area are full of wholesalers and trading companies selling to other businesses. When those customers pay by corporate or purchasing card, Mojo sends the invoice's line items with the payment so qualifying cards get the lower Level 3 rate.
What changed in 2026
Visa's Commercial Enhanced Data Program now checks that line items are real, and the old Level 2 rates ended in April 2026. Only invoice-quality line items qualify.
- Invoice pay links for card payments on a secure, processor-hosted form
- Your invoice's line items go with the payment as Level 3 data
- Biggest effect on corporate and purchasing cards; small-business cards save less
Switching
From statement to live in about 3 business days
Apply and upload statements
From any processor. We read them line by line: your card mix, your effective rate, and the markup hidden in tiers and bundles.
Get a side-by-side quote
Within 24 hours. If we can't save you money, we'll tell you.
Go live
On Clover or our virtual terminal, often on the equipment you have. Month-to-month, no leases.
FAQ
Miami merchant questions
¿Ofrecen soporte en español?
Sí. Nuestro asistente de IA responde en español las 24 horas. Nuestro equipo está disponible de lunes a viernes, de 9 a. m. a 5 p. m., hora del Este.
Do international cards cost more?
Yes, Visa and Mastercard charge more for cards issued outside the U.S. With cost-plus you see those fees at cost on your statement, rather than having them pushed into a high "non-qualified" tier.
Is there a contract?
No. Month-to-month, no cancellation fee, no equipment leases.
Is support local?
Our home base is Atlanta, and we work with businesses in all 50 states. Our AI assistant answers 24/7, and people are available weekdays, 9 a.m.–5 p.m. ET. Call (404) 918-6646.
Other cities we serve
Dallas · Houston · Phoenix · Atlanta · Chicago · Denver · Los Angeles · New York City · Boston
Mojo Payments works with businesses in all 50 states. Don't see your city? Get your free statement review anyway.
Your quote
See what Miami card processing should cost. Free, in 24 hours.
Apply online and upload your statements. We'll show you, line by line, what you pay today next to what you'd pay with a Mojo program, plus the card mix it's based on. No contract, no pressure, and if we can't save you money we'll say so.