Merchant services for local businesses
We help businesses across Melbourne and Brevard County review, set up, and manage payment processing — what you accept, how you get paid, and who answers when something goes wrong.
BH Sales and Services LLC · Melbourne, Florida · Managing Director Brandon Hudnall
What merchant services actually covers
It covers how your business accepts money. That includes countertop terminals, mobile readers for field work, invoicing for contractors, online payment links, and the account behind all of it. The setup that fits a restaurant isn't the same as the one that fits an HVAC company taking payment on-site. It also includes support after setup, which is the part most providers treat as an afterthought.
What we support
- In-store Countertop terminals and point-of-sale
- Field work Mobile readers for on-site payment
- Contractors Invoicing and payment links
- Online Payment links and online checkout
- Account The merchant account behind the setup
- After go-live Ongoing account support
If your current setup works and the rates are clear, you probably don't need this page. If you're not sure what you're paying or why, keep reading.
Card processing for different business types
A retail counter and a service business running jobs across the county have different needs. Restaurants process high volumes at low average tickets. Contractors often take larger payments less frequently, sometimes weeks after the work. Auto sales involve financing and larger transactions. Medical offices deal with insurance and patient payments separately. Small business merchant services in Brevard County cover all of these, and the right setup depends on your transaction profile rather than a standard package.
We map your transaction flow on paper before recommending anything — so the comparison is visible, not verbal.
Understanding rates and fees
Rates are where most confusion lives. There are interchange fees, processor markups, monthly fees, statement fees, and sometimes equipment leases. The headline rate a sales rep quotes is rarely the effective rate you end up paying.
We walk through what applies to your volume and how the pieces add up, so you can compare setups on the same basis. If your current provider's statement is hard to read, that's often deliberate.
- Interchange fees
- Set by card networks and issuing banks, not by your processor.
- Processor markups
- The portion your provider adds on top of interchange.
- Monthly and statement fees
- Recurring charges that often don't appear in the headline rate.
- Equipment leases
- Term commitments on terminals that outlast the value of the device.
What onboarding involves
Onboarding usually means an application, a review of your business type and expected volume, equipment selection or configuration, and a test transaction before you go live. Timing depends on the provider and how complete your information is. We handle the coordination so you're not chasing paperwork, and we flag anything that could slow the process down before it becomes a problem.
Step 1 — Application
We gather your business details and expected monthly volume in one pass so nothing is sent twice.
Step 2 — Review and equipment
Your transaction profile is matched to terminals, readers, or invoicing tools — not to a default bundle.
Step 3 — Test and go live
A test transaction confirms the setup works before your first real payment runs through it.
After go-live
Support after you're set up
The setup is the easy part. What matters is who answers when a terminal fails on a busy Saturday or a batch doesn't settle correctly. Support means having a route to a real person and knowing what to do in the meantime. We stay involved after onboarding rather than handing you off to a call queue. That's the difference between a vendor and someone you can call.
When to review your current setup
Three triggers are worth paying attention to. Rates that have crept up without explanation. A change in how you take payments, such as adding online orders or field invoicing. And growth that's pushed you past what your current setup handles well. Any of those is a reasonable time to look at alternatives. If none apply, staying put is often the right call.
Three triggers worth checking
-
Rates that drifted up
If your effective rate has changed without a clear reason on the statement, it's worth a comparison.
-
A change in how you take payments
Adding online orders, field invoicing, or a second location changes what your setup needs to handle.
-
Growth past your current setup
Volume that has outgrown your terminal or account limits is a practical signal to review options.
What we don't do
We don't claim to offer the lowest rates in Florida, because that depends on your volume, your industry, and your transaction mix. We don't lock you into equipment you don't need. We don't push a setup that doesn't match how your business takes money. If a simpler arrangement suits you better, we'll say so.
Common questions
Straight answers on rates, equipment, and how the review process actually goes. If your question isn't here, email us and we'll answer it directly.
Email the teamCan you get us a lower rate?
We can review your current setup and compare it against alternatives that fit your transaction profile. Whether that produces a lower effective rate depends on your volume, industry, and how your current provider structures fees. We'll show you the comparison rather than promise a number.
Do you provide the terminals?
Equipment options depend on the setup and the provider behind it. We'll walk through what's available for your business type and whether buying or leasing makes more sense.
What if we already have a provider we like?
Then you may not need anything from us. If you're unsure whether your current setup still fits, a review is a reasonable way to check. If it's fine, we'll tell you.
How long does onboarding take?
It depends on the provider and how complete your information is. Simple setups can move quickly; more complex ones take longer. We'll give you a realistic timeline once we know your situation.
Do you support businesses outside Brevard County?
Yes. We're based in Melbourne and most of our clients are local, but we work with businesses elsewhere in Florida where the fit is right.
Getting started
Send an email with your business type and roughly what you process each month. If you have a recent statement, bring it to the first call and we'll go through it together. There's no cost for that conversation.
Company details
- Address
- 2568 Woodsmill Dr, Melbourne, FL 32934, USA
- [email protected]
- Hours
- Monday–Friday: 9:00 AM – 6:00 PM
Saturday: 10:00 AM – 2:00 PM - Managing Director
- Brandon Hudnall
- Registration number
- L20000067681
- FEI
- 84-5048861
BH Sales and Services LLC is a professional sales and services company based in Melbourne, Florida.