About Bluebonnet Merchant Services

Bluebonnet Merchant Services is a veteran-owned, locally operated payment processing company serving small and mid-sized businesses. We help merchants reduce — and often eliminate — unnecessary credit card processing costs through compliant cash discount programs and transparent pricing models designed to be clear and easy to understand.

We believe payment processing should never feel confusing, misleading, or risky. Too many business owners sign agreements without fully understanding interchange, markups, or long-term costs. That’s why we take an education-first approach — breaking down how fees work, explaining implementation clearly, and ensuring merchants know exactly what their customers will see at checkout.

As a veteran-owned business, we operate with integrity, accountability, and a service-first mindset. We don’t rely on high-pressure tactics or vague promises. Instead, we focus on honest conversations, clear documentation, and long-term relationships built on trust.

From statement reviews to equipment setup and ongoing support, we stay accessible and involved — not just during onboarding, but well after launch.

Bluebonnet Merchant Services exists to give small business owners clarity, confidence, and control over their payment processing — so there are no surprises, no confusion, and no hidden fees.

Mission

Empower small businesses through transparent, compliant payment solutions that eliminate hidden fees, prioritize education, and deliver personalized service — building long-term trust and control.

Core Values:

• Integrity & Transparency – Clear pricing, no hidden fees

• Education – Helping merchants fully understand payment options

• Control & Clarity – Cash discount programs are clear, legal, and intentional

• Client Focus – Tailored service and ongoing support

• Community – Support for veteran-owned and local businesses 

About the Owners

Christa Sweeney & Ryan Sweeney

Bluebonnet Merchant Services was founded by Ryan and Christa Sweeney with a simple belief: small business owners deserve clarity, honesty, and real support when it comes to payment processing.

After seeing firsthand how confusing and opaque the industry can be, Christa and Ryan set out to build a company rooted in transparency and education — not pressure or hidden fees. As a veteran, he brings a commitment to integrity, accountability, and service that shapes how Bluebonnet operates every day.  Ryan manages the backend operations of the company

As the CEO, Christa is the heart of the business — supporting operations, communication, and client relationships. Together, they believe that business should be built on trust, clear communication, and long-term partnerships.

As a husband-and-wife team, they understand the dedication it takes to run and grow a business. That’s why they approach every merchant relationship with respect, personal attention, and a genuine commitment to doing things the right way.

Bluebonnet Merchant Services isn’t just a company — it’s a reflection of their shared values: integrity, education, and community.