ERJ Solutions specializes in customized commerce solutions for business owners.
We help implement omni channel credit card processing while supporting payment acceptance at the lowest possible cost. 

Keep the focus on your clients and let ERJ Solutions help you get paid.

For the past 23 years, Michael Gutlove has been helping business owners get paid. His focus centers on honest and transparent merchant services that take the “pain out of accepting electronic payments.”

ERJ Solutions was created to give merchants a single point of contact when managing their payment processing. Over time, Michael forged strategic alliances through industry-leading financial organizations with the intent of offering custom solutions.

In addition to stand-alone, traditional, credit card processing we offer
  • compliant surcharging and cash discounting with dual pricing functionality
  • integrated payment posting to client relationship management software
  • financing and buy now pay later services

In his spare time, Michael is an avid indoor cyclist and fitness enthusiast. He enjoys deep sea fishing, good coffee, and spending time with his family.

What Our Clients Say About Us

Working with Michael Gutlove is a pleasure. He is both professional and reliable. Owning a small business it was important to receive prompt, personal attention and that is exactly what we found in Michael. He pays close attention to detail while understanding the big picture goal, a trait we both treasure and admire in Michael.

– MA

For the past four years, Michael Gutlove is part of the GOLD STANDARD partner group that I refer my clients. When it comes to advising on cash flow Michael has the highest standard of professional ethics and integrity, making him the man to trust with your business.

– JS

Implementing a Credit Card On File system for our practice was a daunting task with all the moving parts associated with it. Michael listened to our specific needs, understood our challenges, and was able to offer solutions that worked. I would highly recommend him and his company.

– JJ

Michael Gutlove is customer-service oriented. He responds quickly when you need help and is very knowledgeable in his field. Michael is professional, reliable and very personable. I certainly recommend him for all your merchant services needs.

– TD

Michael has been absolutely perfect with everything relating to my account. His response time is perfect; he follows up with you, and he will reassure you that anything you need he’s there for you! As a first time business owner, he’s made the process simple, understandable, and professional. Couldn’t be happier!

– JD

You must have a real person to call when you have a question or a problem with your credit card processing – not a faceless call center. Michael Gutlove has been a true advocate for my business and for the majority of my clients. I always recommend him without reservation because he not only keeps his promises but he’s a phone call, text or email away. (And his rates are excellent, too!)