Our members save an average of 36% on credit card processing fees with Michigan Retailers Association.
- EMV/chip card terminals
- Mobile EMV credit card processing
- Apple Pay, Samsung Pay, Google Wallet
- Web-based processing
- E-Commerce
- Flat rate processing
- Online reporting
- Great rates
- No hidden fees
- Free setup, supplies, chargebacks, terminal reprogramming
- No long-term contracts
- Automatic data breach protection
- Flat-rate option for easy bookkeeping
- No monthly minimums

Mike Nowaczynski
Commercial Lending Manager
(269) 382-7833
Mike has over 10 years of member service industry experience. Growing up in Michigan, Mike was born and raised in Detroit and graduated from Michigan State University. He has family roots in Costa Rica where he loves to take his two kids and prioritizes spending time with his family. Mike grew up in a blue-collar working home where his parents’ hard work and dedication impacted the value he places on business and business-ownership. With five years of experience in banking, Mike is passionate about using his knowledge and experience to help all business owners achieve their goals and dreams. “As we say in Costa Rica, 'Pura Vida.' I look for any way that I can help and support my community and business owners to be successful,” says Mike.