Welcome to Ace Merchant Services!

Running a company can often be time consuming, we want to take the stress out of the payment solution process. AMS was started to provide business owners with a resource from start to finish. Our aim is to provide the best service level in the industry, not just during the application process, but for the entire life of your venture. Our strategic partnerships provide value beyond just payments. When you team with us, you will have access to top level professionals who put your interests first and will work tirelessly to service your account. We make the process seamless and free up your time to focus on what matters most....your business.


High Risk Accounts

We specialize in finding solutions for High Risk Merchants, with a strong focus on trial, Diet, Muscle, Sexual enhancement, Cognitive, Hair/lash products and skin verticals, direct marketing, adult, and much more with No Application Fee.

Easy Application Process

We make applying for service quick and easy. Our online application just takes a few minutes to fill out, and typically can have results within 24 hours. Don’t delay, start saving today!

Retail, Service industries, and Low Risk Accounts

With our excellent partner integration team, you may use your own processing equipment and still take full advantage of our wholesale rate program. We also have a full array of processing terminals, mobile readers, Point of Sale systems, and hosted payment options.

Risk Management

In addition to payment solutions, AMS also offers a variety of Risk Management tools, including fraud detection, chargeback alerts, and 3D Secure among others. We only partner with Industry Leaders in each segment, so you can be assured that your risk management is being properly handled.

Fast Approvals

Applying for a high risk merchant account is important for your business and it’s success, but it doesn’t have to be difficult. Typically our turn times are 1-3 business days with a complete package. We strive to make our application process as pain free as possible!

Wholesale Pricing Options

To Simplify the ever confusing, multi tiered pricing model we offer wholesale pricing to qualified merchants. One simple rate makes it easy to calculate the true cost of service. Our aim is to give you excellent service at the best price.

Gateways and Hosted Payments

Our team is well versed in virtual terminals, gateways, settlement and integration support. If you have a question or a problem with your high risk merchant account, just let us know. We’ll be happy to help resolve whatever issues you may be having!


Joshua Lohrman

Managing Member

Our Founder, Joshua Lohrman has 12+ years in the banking and credit card industry. He graduated from The Fisher College of Business at The Ohio State University with a Business Finance Degree in 2004. During school and after graduation he was a manager in the Loss Prevention Department at Discover Card in New Albany, OH for 5 years...

Branden Cherchio


Branden joined Ace Merchant Services in 2016 to oversee the expansion of the ecommerce and retail division. He has over 5 years of Payment Processing Experience as a Sr Account Manager/ISV Partner at Evo Payment Systems. Branden graduated from Devry University with a BSBA in Project Management

Ashish Saraf


Ashish joined Ace Merchant Services in 2016. He has more than 10 years of experience in the banking and insurance industry. Ashish is responsible for accounting,compliance & underwriting here at Ace, and leads our administration team. His attention to detail and business processes lead to speedy underwriting, reduced cost, and timely approvals.

Marco Oikkonen


Marco was brought into Ace Merchant Services as a Sales Executive to assist with the continuous expansion of clientele, and oversee operations Previously Marco worked as a USG Data Analyst and also has experience as a Sales Agent. He attended Florida International University.

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