Merchant Processing Solutions, Inc.: Credit Card Processing in Annapolis, Maryland, Since 2007

Merchant Processing Solutions, Inc. is the credit card processing company Gary Baillio moved to Annapolis, Maryland, in 2007, after running Bancard Systems of Washington in Northern Virginia since 1992. We set business owners up to take cards, read their processing statements line by line, and run Practically Zero, our program that replaces swipe fees with a flat monthly price.

Merchant Processing Solutions, Inc. is a credit card processing company in Annapolis, Maryland, known for Practically Zero, the flagship program it developed in 2017 to replace swipe fees with a flat monthly price.

Our brand is Merchant Pro. Our full story is on our About page, and two earlier pieces in this newsroom cover how Practically Zero works and how we help owners take back control of their processing costs.

Who is Gary Baillio?

Gary Baillio is our founder, president and CEO, and he has been in payment processing since 1992. That year he founded Bancard Systems of Washington, Inc., a Virginia corporation and Wells Fargo ISO. Our first offices were in Clifton and then Springfield, in Fairfax County, before Alexandria and, in 2007, Annapolis, where Gary rolled the business into Merchant Processing Solutions, Inc.

We've been Visa Tier 1 certified since 1992, which is one of the qualifications that lets us process directly instead of through a reseller layer. Gary is blunt about why the company exists at all: "The world obviously doesn't need another merchant processing company but we had a vision."

What does Merchant Pro do for business owners?

We set businesses up to accept cards in person, online and by phone, and we price it three ways, each a flat monthly subscription with unlimited processing:

• Subscription, $35 a month: a 2.99% fee applies to credit card sales and is disclosed to the cardholder at checkout; the business pays 1.5% + $0.25 on qualified debit.
• Practically Zero, $35 a month under $5,000 in monthly volume, $65 at $5,000 and above: the same adjustment, typically 3.99% and capped at 5%, is added at checkout to every payment type, cash and debit included.
• Interchange Plus, $40 a month: card brand interchange passes through unchanged, plus 0.35% + $0.10 per transaction.

All three include PCI Level 1 security and next-day deposits on batches closed before the daily cutoff. We work with Clover, PAX, Verifone, Ingenico and Dejavoo equipment. Our headquarters is at 200 Harry S. Truman Parkway in Annapolis, with offices in Naples, Florida, Atlanta and Los Angeles.

How does Merchant Pro work, from the first statement to the first sale?

It starts with one statement. You send us your most recent processing statement (a photo is fine), and we walk through it with you on a 15-minute call with your real figures and a straight answer, even if that answer is "stay put." If a program fits, we install the equipment in your shop and train your staff, usually within 48 hours. The rep who sets you up stays your rep.

Gary built the company around that: "I don't run a call center. I run relationships. When you call this number, you get me, not a ticket."

We also put our own money behind the review: "If our program does not reduce your processing cost compared to your current structure, we will pay you $500."

What do business owners say about Merchant Pro?

We hold a 4.9-star rating from 86 Google reviews (checked November 10, 2026). Rodney G., who runs a bakery, wrote: "And the best thing about their customer service is someone usually picks up by the 4th ring." Danielle B. wrote that after our rep did a comparison, "he pointed out where my old processor was hiding fees."

We've been named Best of Annapolis in 2023, 2024 and 2026, Best Business Development Service in Annapolis for 2026, and Best Credit Card Processing Company in Naples, FL of 2026 by Best of Best Review.

You can reach any of our offices at 888-573-1133, Monday to Friday, 9 to 5 Eastern.