There’s no business
like your business.
Accept payments. Manage your business. Build your future.
Merchant services built for individuals, sole proprietors and new entrepreneurs — no LLC, EIN or business bank account required to start.
Business directory
Find a Business
Aurora Coffee Co.
Food & Beverage · Logan Square, Chicago
VerifiedSmall-batch roastery and espresso bar. Beans roasted weekly, pastries baked every morning. Sample listing — replace it with your own business.
Kite & Anchor Studio
Creative Services · Austin, Texas (remote anywhere)
VerifiedBrand identity, packaging and web design for small businesses. Flat rates, no surprises. Sample listing — replace it with your own business.
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Everything your business needs
One merchant platform, built for how you actually work.
Accept Payments
Create payment links and checkout previews in demonstration mode.
Grow Your Business
Track sales activity and see where your business stands.
Business Tools
Your private merchant dashboard, profile and payment tools.
Make My Business Flow
LLC filing, EIN, licenses and bookkeeping resources at no cost.
Taxes & Compliance
Tax prep resources and vetted professionals when you need them.
How it works
From idea to open for business in three steps.
Most payment providers require a company before they will talk to you. FM Merchant starts where you are.
- 01
Create your free account
Choose individual, registered business or aspiring entrepreneur. No LLC, EIN or business bank account needed.
- 02
Set up your merchant profile
Add your business details, then open your private dashboard to track setup progress and verification status.
- 03
Build and prepare to sell
Create payment links and checkout previews today. Payment acceptance activates after identity verification.
Make My Business Flow
Start & Grow Your Business
Free access to the tools that turn an idea into a registered, compliant business — including official government filing links and honest disclosure of any fees.
Start a Business
Step-by-step guidance for launching your first venture.
Form an LLC
Understand structures and file with your state.
Obtain an EIN
Get your federal tax ID from the IRS, free.
Find Business Licenses
Locate the permits your business actually needs.
Create a Business Plan
Templates and frameworks to map your growth.
Business Banking Guidance
Compare account options that fit your stage.
Bookkeeping Resources
Keep clean records from your very first sale.
Find a Tax Professional
Tax prep resources and vetted specialists.
Pricing
Creating an FM Merchant account is free.
No monthly fee and no minimum volume to get started. Payment processing fees will be disclosed clearly before you activate live payments — nothing is charged in Phase 1.
- Free merchant account, forever
- Private merchant dashboard
- Payment links & checkout previews
- Business setup progress tracking
- Make My Business Flow resources
- No LLC, EIN or bank account needed
There's no business like your business.
Open your free merchant account today and build the business you have been thinking about.