Software & Portal Solutions
Access your processing, your statements, and your analytics anywhere with MX Merchant and MX Express.
Works on desktop browsers and mobile devices.
WHAT IS MX MERCHANT?
Universal, Web-Based Payment Management.
MX Merchant is Top Hand’s browser-based processing portal that gives you control of:
- Transactions
- Reporting
- Statements
- Chargeback tracking
- Batch activity
- Merchant controls
Access it anywhere — no dedicated hardware required.
Your entire payment ecosystem, right in your browser.
MX EXPRESS MOBILE APP
Payments & Reporting On The Go.
MX Express is the companion mobile app available on:
- iPhone
- Android
Process payments, view activity, and manage reporting directly from your smartphone or tablet.
No hardware. No desk terminal required.
Perfect for:
- Field service
- Pop-up locations
- Mobile merchants
- Invoices on the fly
WHY PORTAL-FIRST MATTERS
Control + Transparency at Your Fingertips.
With a cloud-first payment portal you can:
- Monitor effective rate in real time
- Review processed batches instantly
- Track fee categories and markup
- Benchmark volume trends
- Export reports for accounting
- Manage surcharge and tax configurations
This is not a dumb terminal screen.
This is your processing dashboard.
WORKS WITH ANY DEVICE
Desktop, Tablet, Phone — You’re Covered.
- Works in major web browsers
- Mobile app (iOS & Android)
- No installation headaches
- Secure login and encrypted sessions
- Real-time data sync across devices
Perfect for businesses without fixed terminals or with multiple locations.
PRICING MODELS SUPPORTED
Compatible With Your Pricing Strategy.
- Interchange-Plus reporting
- Surcharge-ready configuration
- Real-time interchange visibility
- Monthly platform fee only
- No hidden portal fees
MX Merchant is built to reflect your true cost — not hide it.
PRICING MODELS SUPPORTED
Compatible With Your Pricing Strategy.
- Interchange-Plus reporting
- Surcharge-ready configuration
- Real-time interchange visibility
- Monthly platform fee only
- No hidden portal fees
MX Merchant is built to reflect your true cost — not hide it.
WHO BENEFITS MOST
If your business needs flexibility, MX Merchant delivers.
Perfect for:
- Service businesses
- Mobile merchants
- Pop-up operations
- Remote locations
- Invoicing workflows
- Merchant HQ reporting
MX MERCHANT & MX EXPRESS – FAQ
What is MX Merchant?
MX Merchant is a secure, browser-based payment and reporting portal. It allows you to process transactions, monitor activity, review statements, manage chargebacks, and export reports from any desktop or laptop without dedicated hardware.
Do I need special equipment to use MX Merchant?
What is MX Express?
- Process payments
- View transaction history
- Monitor batches
- Manage activity while mobile
It is ideal for field service, remote locations, and mobile operators.
Is MX Merchant compatible with interchange-plus pricing?
Yes.
MX Merchant reflects your pricing structure transparently. Interchange categories, assessments, and processor markup are visible in your reporting and statements.
You see your effective rate clearly.
Can MX Merchant support surcharge programs?
Yes.
MX Merchant supports compliant surcharge configurations. Surcharge settings are structured according to applicable card brand rules and state regulations.
We review eligibility before implementation.
Can I use MX Merchant without buying hardware?
Yes.
Many merchants use MX Merchant exclusively through the browser and mobile app.
Hardware is optional, not required.
Is MX Merchant processor locked?
No.
MX Merchant is tied to your merchant account, but hardware purchased through Top Hand is not processor locked.
If you purchase equipment from us, you own it outright.
How secure is the platform?
MX Merchant operates within PCI-compliant systems and encrypted environments.
Security includes:
- Encrypted data transmission
- Role-based user access
- Secure login credentials
- Audit logging
Can I export reports for accounting?
Yes.
You can export transaction reports, batch reports, and activity summaries for accounting, bookkeeping, or CPA review.
Does MX Merchant show my true effective rate?
Is there an extra monthly fee for MX Merchant?
No hidden fees.
MX Merchant is included as part of your $24.99 monthly platform structure.
Let’s Get Started — Share Your Details
Tell us a little about your business and what you’re looking for in a payment partner. We’ll review your information personally and reach out with clear next steps tailored to your goals. It’s quick, simple, and the first step toward better processing.
Unlock Your Custom Rate Quote
Every business is different — your pricing should be too. Submit a few details and receive a transparent, customized rate analysis designed to reduce fees and improve efficiency. No guesswork. No hidden costs. Just straightforward numbers you can trust.
Complete Your Merchant Application
Ready to move forward? Fill out your merchant application and begin the onboarding process with a team that values speed, clarity, and personal support. We’ll guide you every step of the way so you can start processing with confidence.