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Direct-Merchant.Org

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Check 22 by Direct-Merchant

Every way your customers pay, in one setup.

Cards, eCheck, ACH, mobile wallets and more, through one secure gateway and one dashboard. Accept payments online, in store or on the go, with a setup tailored to your business.

Build my setup Chat on WhatsApp

Cards · eCheck & ACH · Apple Pay & Google Pay · Virtual terminal · Crypto · BNPL

One-stop payment acceptance

Whatever your customers prefer, you're covered.

Pick the payment methods you need today and add more as you grow.

Credit & debit cards

Visa, Mastercard, Amex and Discover, online and in person.

Learn more →

eCheck & ACH

Low-cost bank payments for invoices and recurring billing.

Learn more →

Virtual terminal & MOTO

Take card payments by phone or mail from any browser.

Learn more →

Mobile wallets

Apple Pay, Google Pay and contactless at checkout.

Learn more →

Check 21

Scan paper checks and deposit them electronically.

Learn more →

Bitcoin & crypto

BTC, ETH and stablecoins, with auto-conversion to USD.

Learn more →

Buy now, pay later

Let customers split purchases. You're paid upfront.

Learn more →

Cash discount

Offset card fees with a compliant cash discount program.

Learn more →
What's included

Built to run smoothly, from day one.

Payment gateway

Secure, real-time processing.

  • Real-time authorization for every transaction.
  • Encryption to protect your customers' payment details.
  • Fraud prevention tools that screen risky payments.
Tailored to you

Startup or enterprise, it fits.

  • We assess your goals and recommend the right mix.
  • Flexible setup that grows with your volume.
  • Works with your systems: website, POS or billing.
Reporting & analytics

See everything in one dashboard.

  • Track sales across every payment method.
  • Spot trends and make data-driven decisions.
  • Reconcile faster with clear settlement reports.
Support

A real team, start to finish.

  • Setup help from application to first payment.
  • Ongoing support when something needs fixing.
  • Prompt answers on WhatsApp.

Who it's for

Low-risk and high-risk businesses alike. High-risk accounts →

Retail storesE-commerceRestaurantsService providersSubscriptionsB2B & invoicingCall centersMulti-location
FAQ

Check 22, explained.

Still have a question? Ask us on WhatsApp.

What is Check 22?
Check 22 is Direct-Merchant.org's name for our all-in-one payment acceptance setup: cards, eCheck, ACH, mobile wallets and more through one gateway and one dashboard. It isn't a law or banking standard, and it's not related to the Check 21 Act, which covers electronic clearing of paper checks.
Which payment methods can I accept?
Credit and debit cards, eCheck and ACH, mobile wallets like Apple Pay and Google Pay, phone and mail orders through a virtual terminal, Check 21 deposits, crypto and buy now, pay later. You choose the mix that fits your business.
Can I accept payments online and in person?
Yes. The same setup can cover your website checkout, invoices, a card terminal at the counter and payments on the go.
Is it right for a small business?
Yes. We tailor the setup to your size, from a new business taking its first payments to an established company with high volume and several locations.
Do I get reporting?
Yes. A dashboard shows sales, payment trends and settlements across all your payment methods, so you can reconcile faster and make better decisions.
What about high-risk businesses?
We work with high-risk businesses too, matching you with processors that underwrite your industry. Approval and terms are decided by the processor.

Focus on your business. We'll handle the payments.

Tell us how your customers like to pay. We'll recommend the right setup and get you processing.

Build my setup Chat on WhatsApp

"Check 22" is Direct-Merchant.org's name for its bundled payment acceptance setup. It is not a law, regulation or banking standard, and is not affiliated with the Check Clearing for the 21st Century Act. Direct-Merchant.org provides consulting and application support only; we are not a bank or payment processor and do not hold or move funds. Services are provided by third-party processors, gateways and banks under their own terms. Approval, pricing and account terms are decided solely by those providers, and approval is never guaranteed. Dashboard shown is illustrative.