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Simplified Merchant Processing Company Overview
Simplified Merchant Processing is a Pittsburgh-area Independent Sales Organization offering merchant payment solutions as a registered ISO of Wells Fargo Bank and Fifth Third Bank. Based in Elizabeth, Pennsylvania, SMP delivers a range of services—including in-person, mobile, and e-commerce payment processing, POS hardware, gift and stored-value card programs, ACH/check options, and PCI compliance support. The company emphasizes personalized service with a dedicated local representative for each merchant, alongside free quarterly business reviews and transparent fee explanations tied to card brands and interchange rate changes. Business leadership includes owner Paul Ruggier and Managing Partner Melanie Ruggier.