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M1S Agent Portal

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🏆 M1S Agent Portal

Training · Products · Scripts · CoPilot · Support · Contacts

🏠 Quick Actions

Everything you need in one place. Jump straight to what matters.

⚡ Agent Cheat Sheet
The most important things to know as an M1S agent
Key Numbers
  • Boarding time: 2–5 business days
  • Clover Platform Fee: $34.95/mo per MID
  • CardPointe fees: $15.00 + $3.50/mo
  • Rate beat guarantee: $500 cash
  • Critical Reminders
  • Clover Platform Fee is required on every Clover account
  • Submit pre-apps via /onboarding on this portal
  • Board merchants in CoPilot (copilot.cardconnect.com)
  • Equipment ordered through CoPilot Equipment Manager
  • Support tickets submitted through CoPilot ticketing
  • Partner Admin changes require 3–15 business days
  • 📋 Boarding Checklist
    What to collect before submitting a pre-app
    Business Info
  • Legal business name + DBA
  • Business address + phone + email
  • Ownership type (Sole Prop, LLC, Corp)
  • Tax ID (EIN) or SSN for sole props
  • Business start date
  • Description of products/services
  • Monthly processing volume + avg ticket
  • Owner + Banking
  • Owner full name + SSN + DOB
  • Owner home address + mobile
  • Bank name + routing + account number
  • Voided check or bank letter
  • Government ID (if requested)
  • Equipment choice (Clover model)
  • Software plan selection
  • 📚 Training Library

    Master the fundamentals of merchant services sales. Click any module to start.

    🎯
    Prospecting & Lead Generation
    Who to target, where to find them, and how to get in front of decision-makers.
    🤝
    The M1S Pitch Framework
    A repeatable 5-step approach from the first hello to getting a signed application.
    💸
    Cash Discount / Zero-Fee
    How to explain cash discount so merchants immediately see the value.
    🛡️
    Handling Objections
    The 8 most common objections and exactly how to respond to each one.
    ✍️
    Closing the Deal
    Techniques to move prospects from interested to signed without being pushy.
    📋
    Boarding a Merchant
    Step-by-step walkthrough from pre-app submission to merchant going live.

    🖥️ Product Knowledge

    Know your products inside and out so you can match the right solution to every merchant.

    💳 Cash Discount / Zero-Fee Processing
    Your #1 opening — merchants pay $0 in processing fees
    With cash discount, the merchant posts two prices — a cash price and a card price. The card price is slightly higher (typically 3-4%) to cover the processing fee. The merchant nets the same on every sale. Their processing bill: zero.
    $0
    Merchant Fees
    3–4%
    Service Charge to Card Users
    100% Legal & Compliant
    Key Selling Point

    A restaurant doing $30K/month saves $900–$1,200/month in fees. That's up to $14,000/year back in their pocket.

    🏆 Clover Advantage Program
    Offer Clover hardware at $0 or reduced cost to net-new merchants
    The Clover Advantage Program lets you offer up to 2 eligible devices at no cost or significantly reduced cost. This removes the upfront hardware barrier for new merchants.
    Important

    In exchange for deferring the hardware cost, a portion of your residual is offset until the hardware cost is recovered. Make sure you understand the offset before offering this program.

    DeviceStandard PriceClover Advantage Price
    Clover Flex 3 Bundle$395$0
    Clover Mini 3 Bundle$725$0
    Clover Station Solo w/ Cash Drawer$1,250$799
    Clover Station Duo 2 w/ Cash Drawer$1,499$999
    🖥️
    Clover Station Solo
    Full countertop POS — $1,125–$1,250
    • 14" touchscreen + receipt printer
    • All payment types including tap
    • Full app marketplace
    • Best for: Restaurants, retail
    💡 Most popular for full-service businesses
    🖥️
    Clover Station Duo
    POS + customer display — $1,499–$1,599
    • Merchant + customer-facing screens
    • Customer signs/tips on screen
    • Reduces chargebacks
    • Best for: Restaurants with tips
    💡 Best for full-service restaurants & bars
    📟
    Clover Mini
    Compact all-in-one — $725
    • Small footprint, built-in printer
    • Chip, swipe, tap, Apple/Google Pay
    • Best for: Salons, retail, boutiques
    💡 Great for tight counter spaces
    📱
    Clover Flex
    Handheld wireless — $395–$599
    • Portable with built-in printer
    • WiFi + 4G cellular option
    • Tableside payments
    • Best for: Food trucks, contractors
    💡 Best for mobile/tableside businesses
    📲
    Clover Go
    Bluetooth reader — $175–$245
    • Connects to any smartphone
    • Chip + tap payments
    • Most affordable entry point
    • Best for: New/low volume businesses
    💡 Best for startups and very low volume
    💳
    Dejavoo Terminals
    Traditional terminals — P1, P3, P5
    • Simple, reliable, easy to use
    • Lower cost than Clover
    • Chip, swipe, NFC payments
    • Best for: Basic processing only
    💡 Best when merchant just needs card acceptance

    🗣️ Scripts & Objection Handling

    Word-for-word scripts for every stage of the sales process.

    📞 Cold Walk-In Opener
    Use when walking into a business cold for the first time
    You say:

    "Hi, is the owner or manager around? I'm [Name] with Merchant1 Solutions — we work with a lot of businesses here in the Valley and I wanted to take 2 minutes to show you how we're helping business owners save anywhere from $500 to over $2,000 a month on their card processing. Is now a good time or would later this week work better?"

    Why it works

    You're not asking if they want to hear a pitch — you're assuming they do and giving two options. Lead with the money saved. Always.

    💬 Rate Beat Guarantee Pitch
    When they say "I already have a processor"
    You say:

    "That's great — most of our best customers came from somewhere else. Here's the thing: we have a $500 rate beat guarantee. If you show me your last processing statement and I can't beat your current rate, I'll give you $500 cash. No obligation. What do you have to lose?"

    🛡️ Objection Handling — All 8 Scenarios
    Click each objection to see the exact response
    You say:

    "That's great to hear — most people I talk to feel that way until we compare. I'm not asking you to switch today. Just let me pull up your last statement and show you what you're actually paying. If there's no savings, I'll leave and never bother you again. Fair enough?"

    You say:

    "Of course. Can I ask — what specifically are you thinking through? Is it the switch itself, the equipment, the service fee for customers, or something else? [Listen.] Got it — so if I can address that, are you ready to move forward?"

    Key move

    "I need to think about it" almost always means a hidden objection. Ask what it is directly.

    You say:

    "When does that end? [Listen.] Perfect — I'll reach out 60 days before that date. In the meantime, let me leave you my info and show you what you'd be saving so when that day comes, you know exactly who to call."

    CRM Tip

    Add them as New Lead in the CRM and set a follow-up date 60 days before contract end. These close reliably.

    You say:

    "I completely understand — nobody wants more on their plate. The good news is I handle everything. I set it up, I train your staff, I'm your local contact if anything goes wrong. Most businesses are live in 3–5 business days with zero downtime. You don't do anything except say yes."

    You say:

    "I get that a lot — and I'd feel the same way. The reason we can do this is cash discount. Instead of you absorbing the fee, card customers pay a small service charge. It's the same model gas stations have used for years. Completely legal, required disclosures. I can show you a demo on the terminal right now."

    You say:

    "That's the most common concern I hear — and it almost never plays out that way. Customers are used to it everywhere now. Less than 1% of businesses we set up see real pushback. And remember — cash customers get the best price, which they love. Your regulars aren't going to stop coming in over a few cents."

    You say:

    "Absolutely — decisions like this are always better made together. When are you both usually here? I'd love to come back when you're both available. Would Thursday work, or is another day better?"

    Never accept vague follow-ups

    Get a specific day and time before you walk out. Vague follow-ups don't close.

    You say:

    "I'm sorry to hear that — and that's the exact reason I'm here. I'm local. If something goes wrong, you don't call a 1-800 number — you call me directly. What happened with your last processor? [Listen.] That wouldn't happen with us because [address specifically]."

    ⚙️ CoPilot — Your Management Portal

    CoPilot is the backbone of your agent business. Everything runs through here.

    🖥️ What is CoPilot?
    Built exclusively for CardConnect payment partners
    CoPilot is where you'll spend most of your time as an agent. It's the management hub for your entire merchant portfolio — from application submission to residual reporting to merchant support.
    🔗 Open CoPilot →

    📋 Merchant Boarding

    Digital application submission with real-time status tracking every step of the way.

    💰 Residual Reporting

    Line-item residual detail so you know exactly what you're earning and why.

    🖥️ Equipment Manager

    Order and manage Clover and other hardware directly from CoPilot.

    🎫 Ticketing System

    Submit support requests, profile changes, and operational requests via CoPilot tickets.

    ⚠️ Risk Monitoring

    Track merchant risk status and respond to any compliance issues proactively.

    📊 Portfolio Tracking

    Full visibility into every merchant in your book — status, volume, activity.

    🔧 Partner Admin — Making Changes
    All profile and account changes go through CoPilot partner tickets
    Any change to your agent profile, bank account, or legal information must be submitted as a CoPilot ticket. Below are the SLAs — plan ahead:
    Request TypeWhat's IncludedSLA
    Profile & Bank ChangesBank account, phone, email, address3–5 Business Days
    Sales Code Creation (Partner-paid)New agent sales codes you fund5–7 Business Days
    Sales Code Creation (Fiserv-paid)New agent sales codes funded by Fiserv7–10 Business Days
    Legal Name ChangeDBA/Legal name, ownership change10–15 Business Days
    SLA Clock Starts When Docs Are Complete

    SLAs only start once ALL supporting documents are submitted. Incomplete submissions will delay your request.

    📦 Ordering Equipment
    Two ways to order hardware for your merchants
    Option 1 — CoPilot Equipment Manager
    The primary way to order Clover and other devices. Find it inside CoPilot under the Equipment section. Hardware orders require a CoPilot ticket for now.
    Option 2 — CardConnect Online Store
    For supply orders (receipt paper, accessories, etc.) — no ticket required. Access at onlinestore.fiserv.com
    Shipping Note

    All orders ship via FedEx — Ground, 2-Day, 3-Day Express, Overnight, or Saturday delivery. Cost is based on quantity and option selected. Clover Go NFC can be purchased in bulk (case of 40) through First Data Hardware Services (TASQ).

    🔄 Buyer's Remorse Returns
    How to handle Clover device returns
    Open a Clover/Clover Returns CoPilot merchant ticket to initiate a return. CardConnect Deployments team will process it.
    Return TypeRestocking Fee
    Standard Clover device (per unit)20% of device cost
    Clover Kiosk30% of device cost
    Non-serialized items (per order)20% of cost
    Accessories (cash drawers, printers, etc.)$10.00 per item
    Pro Tip

    To avoid restocking fees, you can keep the device and request a re-provision for a different merchant instead of returning it.

    🔒 Clover Security (Transarmor)
    Required on all Clover accounts — listed as Transarmor in CoPilot
    Data Encryption + Tokenization is $5.00/month per MID and applies to all Clover devices (Stations, Mini, Flex, Go NFC). This is listed in CoPilot as "Transarmor."
    AT&T Wireless Fee

    LTE-enabled devices (Station Duo, Mini, Flex, Compact LTE) incur a $35/month per SIM wireless fee. First 5 SIMs at $35; additional SIMs at $15/month each.

    ❓ Frequently Asked Questions

    Common questions from agents. Can't find your answer? Contact Emerson directly.

    Getting Started & Boarding
    Go to /onboarding on this portal and fill out the pre-application. Once submitted, Emerson will review and send the merchant a click-to-sign agreement. After the merchant signs, the application is submitted through CoPilot for boarding.
    Standard boarding takes 2–5 business days once all documents are complete and signed. Equipment ships within 24–48 hours of approval. High-risk merchants may take longer. Track status in CoPilot.
    Yes — the Clover Platform Fee ($34.95/month per MID, but can be priced however you want, MSRP is $34.95) is required on every merchant account that includes a Clover order. If it's not added at boarding, the account will not be approved. This applies to both hardware and non-hardware Clover selections.
    Dejavoo terminals can often be reprogrammed. Clover devices are tied to the processor and cannot be reprogrammed — the merchant will need a new Clover. Square, Toast, and other proprietary systems cannot be reused.
    Match the plan to the merchant type: Payments ($0) for simple acceptance only. Essentials ($29.95) for basic inventory + reporting. Restaurant Growth ($89.95) for FSR/QSR. Retail/Services Growth ($84.95) for retail and service businesses. Additional devices at $11.95–$19.95/mo each.
    Cash Discount & Compliance
    Yes — 100% legal in all 50 states and compliant with Visa, Mastercard, and Amex rules. The program must be implemented as a cash discount (rewarding cash payers), not a credit card surcharge. Our setup handles all compliance requirements automatically.
    Card network rules require dual pricing to be displayed at the point of entry and point of sale. We provide compliant signage with every setup. The terminal also shows the fee at checkout before the customer approves the transaction.
    Backup withholding occurs when the merchant's legal business name and Tax ID (EIN/SSN) don't match IRS records. This causes a % of the merchant's deposits to be withheld and sent to the IRS. Prevent it by double-checking the legal name and Tax ID match exactly before submitting the pre-app. If a merchant receives a B-Notice, contact Emerson immediately.
    Commissions & Residuals
    Standard split is 60% to you / 40% to Merchant1 Solutions. Higher splits are available as your portfolio grows. Contact Emerson for details.
    Residuals are paid monthly, typically between the 15th and 20th of each month for the prior month's processing. Your first residual comes approximately 45–60 days after your first merchant goes live.
    Yes — you earn residuals for as long as the merchant continues processing with us, with no expiration. Even if you stop submitting new accounts, your existing merchants keep paying. This is why building your portfolio early matters.
    Log into CoPilot (copilot.cardconnect.com) to view your residual report with line-item detail. You can see exactly what each merchant generated and how your split was calculated.

    💰 My Payroll

    Your invoices, equipment charges, and current balance with Merchant1 Solutions.

    📒 Current Balance
    Your running equipment balance with M1S
    Loading your balance...
    🧾 My Invoices
    Invoices generated by Merchant1 Solutions for your account
    No invoices yet. Contact Emerson for your latest invoice.
    📦 Equipment Orders
    Equipment ordered on your behalf and applied to your account
    No equipment orders on file.

    📞 Support & Contacts

    Who to call and when. Always start with Emerson for anything M1S-related.

    🏢 Start Here: Emerson Grellmann

    For deals, boarding status, commissions, agent setup, or anything else — reach out directly. I'm local, I'm available, and I'll handle it.

    MyPay / CardConnect
    Primary ISO — Clover & standard processing
    Hours24/7 Technical Support
    Use ForClover boarding, merchant support, CoPilot tickets
    PaySafe
    ISO Partner — traditional terminals
    HoursMon–Fri 8am–8pm EST
    Use ForDejavoo terminals, traditional processing
    EPI (Electronic Payments)
    ISO Partner — backup processing
    SupportContact Emerson for direct line
    HoursMon–Fri 9am–5pm CST
    Use ForAlternative boarding, specific merchant verticals
    Clover Merchant Support
    Hardware & software support for merchants
    Hours24/7
    Use ForMerchant hardware issues, app questions, POS troubleshooting
    CardConnect Partner Admin
    Profile, bank, and legal name changes
    HowSubmit via CoPilot partner ticket
    Use ForSales code creation, bank changes, legal name updates
    CardPointe Support Portal
    Documentation, guides, agent communications
    Use ForDocumentation, user guides, agent communications

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