# Merchant e-Solutions

> Merchant e-Solutions, trading as MerchantE, supplies payment acquiring, processing, gateway technology, invoicing and developer integrations for U.S. businesses and software partners. Its background in online and B2B payments includes proprietary front- and back-end processing and direct card-brand connectivity. Opn acquired it in 2022; Fortis bought its NetSuite payments division in 2024.

- **Founded:** 1999
- **Headquarters:** Alpharetta, United States
- **Founders:** Sharif Bayyari (Co-founder; founding President and CEO), Jim Aviles (Co-founder; former Chief Operating Officer)
- **Products:** Payment processing and acquiring, Payment Gateway API, Hosted Payments, MerchantE Invoice, Tokenization and Account Updater
- **Notable:** Built proprietary processing and gateway infrastructure with direct card-brand connectivity., Reported more than USD 17 billion in payment volume across 13,000 merchants in February 2022., Cielo agreed to acquire the business for USD 670 million in 2012.

## Products & services

- **Payment processing and acquiring** — Card acceptance across online, in-person and mobile channels, with front- and back-end processing and direct card-network connectivity.
- **Payment Gateway API** — Developer access to payment sales, authorizations, refunds, voids and tokenization; the portal also lists ACH and reporting APIs.
- **Hosted Payments** — MerchantE-hosted payment collection that keeps sensitive card entry away from merchant servers.
- **MerchantE Invoice** — Electronic invoices and quotes, email or SMS delivery, reminders, payment links and receivables reporting.
- **Tokenization and Account Updater** — Stored-card tokens and updates for replaced or expired cards support repeat payments.
- **Level II/III processing** — Additional commercial-card transaction data can qualify eligible B2B and B2G payments for lower interchange.
- **Same Day Funding** — Launched for pre-qualified merchants with a one-hour funding claim, daily limits, cutoff conditions and a flat per-batch charge; historical launch terms.
- **NetSuite payments division (historical)** — Embedded ERP payments business active in NetSuite since 2004; acquired by Fortis in July 2024.

## Achievements

- Built proprietary processing and gateway infrastructure with direct card-brand connectivity.
- Reported more than USD 17 billion in payment volume across 13,000 merchants in February 2022.
- Cielo agreed to acquire the business for USD 670 million in 2012.
- Developed a NetSuite payments business with roots in 2004, sold to Fortis in 2024.

## Latest updates

- **2024-07** — Fortis announced its acquisition of MerchantE's NetSuite payments division on July 24; the purchase price was not disclosed in that announcement.
- **2022-11** — Opn acquired MerchantE from Integrum. JBIC announced USD 90 million of equity participation in the acquisition vehicle, not a standalone MerchantE funding round.

## Links

- Website: https://www.merchante.com/
- LinkedIn: https://www.linkedin.com/company/merchant-e-solutions/
- Twitter/X: https://x.com/MeSPayments
- Facebook: https://www.facebook.com/MerchantE-104062207963259/

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Profile page: https://yespress.io/merchant-e-solutions
Published by YesPress — https://yespress.io
Last updated: 2026-10-27