Who We Are

SMS began in 1998 and is a registered ISO with JPMorgan Chase Bank, Hicksville, NY and BancorpSouth Bank, Tupelo, MS. We are a privately held company, with a management team having over 35 years of experience in the electronic payment industry.

Spectrum Merchant Services offers new technologies for merchants to accept payments from anyone, anywhere, anytime.

Spectrum offers a wide array of payment processing solutions including: Point-of-Sale terminal products; PC products; processing for credit, debit, stored-value and gas cards; Electronic Benefits Transfer (EBT) transactions; Business to Business (B2B), recurring payments, the TeleCheck Electronic Check Acceptance® (ECA®) service, and one-stop e-commerce solutions. We support the latest technology to process transactions from start to finish, safely and securely. We offer customized reporting tools to meet merchant needs, creative programs to help merchants grow their business—loyalty programs, gift cards, coupons and customer rewards—and end-to-end, fully integrated payment solutions.

Wherever merchants turn, Spectrum Merchant Services is a step ahead with its client partners and the products and services we offer—providing payment processing solutions that enable merchants to accept payments anytime, anywhere, any way—safely, securely and more profitably.

What We Believe

At SMS, integrity, honesty and excellence are at the core of who we are and what drives us. We believe in managing the expectations of our Sales Reps and merchants by initially disclosing all costs and terms of an agreement as well as quoting realistic outcomes and time frames. We also believe in always telling the truth, whether it's good news or bad and doing what's right every time, whether it benefits us or not. Basically, doing to others what we would have them do to us.

"Spectrum Merchant Services is one of the most integrity-ladened companies I have ever worked with. They will take a financial loss to uphold that integrity. This is unheard of in today's business environment." — Joe H., Vision Merchant Solutions, Inc.

Philanthropic Endeavours

Spectrum's purpose goes far beyond the transaction…it has a global impact!

Spectrum is a very successful company, and we believe that the rewards of our success should go beyond benefiting the employees and owners. We have a strong desire to pass along some of these benefits to worthy causes and needy people.

Each year, Spectrum donates a great portion of its revenues to ministries and outreach programs in the U.S. and in India. In addition to the financial contributions, the owners and staff embark on missionary trips to bring food, clothing and hope to people in need. Some of the countries visited include: India, Mexico, China, Vietnam, Indonesia, Thailand, South Africa, Nepal, Malaysia, Indonesia, Trinidad, Venezuela and the Philippines.

By partnering with Spectrum, you will have the added benefit of knowing that your efforts have multiple rewards. Join Spectrum in making a difference, one transaction at a time.