Empowering Local Businesses withSmart Payment Solutions
Serving Austin and nearby communities, we're dedicated to helping local businesses grow with customized payment solutions and dependable support.
Built by FamilyBacked by Community
Family-Owned & Immigrant Built
E & L Merchant Services is a family-owned business proudly built by an immigrant and first responder family right here in the Buda/Kyle community.
Community First
After living in Miami, Houston, and Dallas, this area welcomed us with open arms — and inspired us to support local businesses just like ours.
VizyPay Partnership
Partnered with VizyPay, we offer honest, transparent payment solutions that put local businesses first.
Look Local First
As part of VizyPay's Look Local First initiative, we believe in keeping business local. Real people, real support, and real savings.
Our Promise to You
We're here to serve the businesses that make our community strong — with service you can trust and support you can count on.
Ready to work with a family that cares about your success?
Complete PaymentSolutions
Everything you need to accept payments and grow your business, backed by cutting-edge technology and genuine local support from your Texas neighbors.
Cash Discount
Save up to 95% on processing fees with transparent pricing
POS Solutions
Modern point-of-sale systems tailored for every business type
Payment Tools
Streamlined invoicing and payment collection with efficiency
Industry Solutions
Specialized payment tools designed for retail and restaurants
Ready to transform your payment processing?
Get Started TodayCash DiscountSavings Calculator
See how much you could save with our Cash Discount Program
Monthly Credit Card Volume
Adjust the slider to match your monthly processing volume
Savings based on our Cash Discount Program
This is an estimate based on the information provided. Per occurrence fees will still apply. Results may vary based on your specific processing setup.
Payment Technology That Powers Growth
Industry-leading hardware and software solutions tailored to your business needs
Point-of-Sale Systems (POS)
Feature-rich POS setups tailored to your industry—ideal for retail, restaurants, and service-based businesses.
Terminal Processing
Reliable countertop terminals ideal for outlets with high transaction volumes.
Mobile Payments
Flexible, tap-to-pay and mobile options let you take payments anywhere—from pop-ups to curbside delivery.
Trusted by LocalTexas Businesses
Real results from real businesses in Buda, Kyle, and surrounding communities
“E & L saved us over $500 per month. Finally, transparent pricing!”
“Local support makes all the difference. They're here in minutes.”
“As a food truck, we needed portable solutions. E & L delivered.”
“E & L saved us over $500 per month. Finally, transparent pricing!”
“Local support makes all the difference. They're here in minutes.”
“As a food truck, we needed portable solutions. E & L delivered.”
Frequently AskedQuestions
Get answers to common questions about our services.
A cash discount program allows businesses to offer a lower price to customers who pay with cash while passing the cost of card processing to those who choose to pay with a card. It's a legal and compliant way to reduce or eliminate your processing fees.
With our cash discount program, most merchants see little to no monthly processing bill. You'll receive a transparent statement showing your total sales, card volume, and any minimal fees (if applicable). No hidden charges—just clarity.
We provide and set up the right equipment for you. Whether it's a Clover POS, terminal, or mobile device, our technology is built to support cash discount or dual pricing seamlessly—no additional work on your end.
If you're looking to lower or eliminate credit card processing fees while staying compliant, this program is likely a great fit. It works for a wide range of industries—from retail to restaurants—and our team can walk you through how it would look for your specific setup.
Cash discount and dual pricing programs are effective across many industries, including retail, hospitality, service providers, and food & beverage. If you accept payments in person, this program can work for you.
Still have questions?
Contact Our TeamGet Your FreePayment Analysis
See exactly how much you could save with our transparent pricing. Get a personalized quote in 24 hours with no obligation.
Contact Information
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Why Choose E & L?
Local Support
24/7 support from your Texas neighbors
Transparent Pricing
No hidden fees or surprise charges
Quick Setup
Get started in 24-48 hours
Look Local First
Join the movement to support Texas small businesses. When you choose E & L, you're investing in:
Local Jobs: Supporting families in Buda & Kyle
Community Growth: Every dollar stays in Texas
Personal Service: Real neighbors who know your business
“Supporting local business isn't just good economics—it's how we build stronger communities together.”
Learn more about Look Local First