Merchant Services Overview (MLS 2026)

Merchant Services allows MLS 2026 to process:

•credit cards

•debit cards

•refunds

•split payments

directly within the management system.

Instead of manually entering charges into a separate terminal and then re-entering payment information into the software, MLS 2026 integrates payment processing directly into the workorder and receivables workflow.

This improves:

•speed

•accuracy

•accountability

•customer convenience

while reducing duplicate data entry and posting mistakes.

Integrated Credit Card Processing

MLS 2026 supports integrated payment processing through approved third-party merchant providers.

At the present time, MLS 2026 includes interfaces for:

•Acquirint Services

•Charge It Pro

These integrations allow the operator to process payments directly from:

•Workorders

•Receivables posting

without leaving the application.

Why Integrated Processing Matters

Many shops use standalone terminals supplied by:

•banks

•merchant vendors

•trade associations

While these systems may appear convenient, they often create:

•duplicate entry work

•posting mistakes

•reconciliation problems

•reduced reporting accuracy

Integrated processing helps eliminate these issues because:

•payments are linked directly to invoices

•transaction records are stored automatically

•reports are generated automatically

•accounting updates occur immediately

This creates a cleaner and more accurate workflow.

Split Payments Supported

MLS 2026 allows:

👉 up to four separate cards

to be used on a single workorder transaction.

This is especially useful when:

•multiple parties are paying

•commercial customers split charges

•clients combine cash and cards

•partial approvals occur

The system tracks all payment portions automatically.

Refund Processing

MLS 2026 also supports:

•credit card refunds

directly back to the original card.

For security and accounting integrity:

⚠️ refunds cannot exceed the original charged amount.

This helps prevent:

•accidental over-crediting

•fraud exposure

•accounting discrepancies

Automatic Accounting Integration

Merchant Service transactions automatically interface with:

•Workorders

•Accounts Receivable

•Bank Deposits

•General Ledger

This means:

•payment totals

•transaction records

•deposits

•accounting entries

are updated automatically during processing.

This reduces bookkeeping errors and improves reporting accuracy.

Reporting

MLS 2026 includes reporting tools for all merchant transactions.

These reports are available from:

•Reports → Workorders

and provide summaries of:

•card payments

•refunds

•transaction activity

•payment totals

These reports are extremely useful for:

•daily balancing

•deposit verification

•dispute resolution

•bookkeeping review

Important Considerations

Merchant processing providers frequently market:

•“special rates”

•“association discounts”

•“low fee guarantees”

However, actual processing costs often include:

•hidden transaction fees

•batch fees

•statement fees

•interchange adjustments

•equipment costs

The lowest advertised rate is not always the lowest real-world cost.

Integrated processing often provides operational advantages that outweigh small differences in advertised rates.

Best Practices

For the smoothest operation:

•Process cards directly through MLS 2026 whenever possible

•Avoid duplicate manual entry

•Reconcile merchant deposits regularly

•Review transaction reports daily

•Verify refunds carefully

•Maintain accurate merchant account records

In This Section

The following pages explain:

•merchant setup

•payment processing

•refunds

•transaction reports

•troubleshooting

•reconciliation procedures

Together, these sections provide a complete integrated payment workflow within MLS 2026.