Credit Card Processing Made Simple
Trusted Payment Processing Solutions for Every Business
Accept credit cards, debit cards, and digital payments with lower rates, faster approvals, and better support than the big processors. From local retail to high-risk industries, we provide the payment solutions your business needs to thrive.
Accept Payments Everywhere Your Customers Are
Whether you sell in-store, online, on-the-go, or through subscriptions—we have the right processing solution for your business model.
In-Person Credit Card Processing
Accept Visa, Mastercard, Amex, and Discover at your retail location with modern POS terminals and contactless payment support.
- ✓Tap-to-pay & NFC
- ✓EMV chip security
- ✓Same-day funding available
Online Payment Gateway
Secure eCommerce processing with fraud protection, virtual terminal access, and seamless shopping cart integrations.
- ✓Shopify, WooCommerce, BigCommerce
- ✓Tokenization & PCI compliance
- ✓3D Secure fraud prevention
Mobile Payment Solutions
Process payments anywhere with smartphone card readers, mobile POS systems, and on-the-go invoicing.
- ✓Bluetooth card readers
- ✓iOS & Android apps
- ✓Field service ready
Recurring Billing Systems
Automate subscription payments, membership dues, and scheduled invoicing with our recurring billing platform.
- ✓Automatic retries
- ✓Customer portal
- ✓Dunning management
Secure Payment Processing with Transparent Pricing
We're not a faceless processor. We're your payment partner—dedicated to lowering your costs and growing your business.
Transparent Pricing
No hidden fees, no surprises. Interchange-plus pricing shows exactly what you pay and why. We make money when you save money.
Fast Approval & Setup
Most merchants approved in 24-48 hours. Equipment ships same-day. Start accepting payments within a week.
PCI Compliance Included
100% PCI-DSS compliant processing. We handle the security so you can focus on growing your business.
Dedicated Support
Real humans answer the phone. Your dedicated account manager knows your business and resolves issues fast.
Next-Day Funding
Get your money faster. Most transactions fund to your bank account by the next business day.
Advanced Reporting
Real-time dashboards, transaction analytics, and financial reporting to understand your cash flow.
Customized Processing for Your Business Type
Every industry has unique payment needs. We provide specialized solutions with industry-specific features and pricing.
How Payment Processing Fees Are Calculated
Credit card processing fees consist of three components. Understanding them helps you evaluate pricing and avoid hidden costs.
Interchange Fees
Set by Visa/Mastercard. Paid to the card-issuing bank. Non-negotiable—everyone pays the same wholesale rate.
Assessment Fees
Small fees paid to the card networks (Visa, MC, Amex). Typically 0.13-0.15%. Also non-negotiable.
Processor Markup
The processor's fee for services. THIS is negotiable. Flat-rate processors hide markup; we show it transparently.
With interchange-plus pricing, you pay wholesale interchange + a small, visible markup. With flat-rate pricing (like Square's 2.6%), you pay a bundled rate that often includes hidden markup. Most businesses save 20-30% switching from flat-rate to interchange-plus.
Common Questions About Credit Card Processing
What is payment processing?
Payment processing is the system that enables your business to accept credit cards, debit cards, and digital payments from customers. When a customer pays, the transaction is routed through payment networks (Visa, Mastercard, etc.) to verify funds, authorize the purchase, and deposit money into your bank account—typically within 1-2 business days.
How much does credit card processing cost?
Credit card processing fees typically range from 1.5% to 3.5% per transaction, depending on your industry, card types accepted, and processing volume. Our interchange-plus pricing ensures you pay wholesale rates plus a small, transparent markup. Most businesses save 20-30% compared to flat-rate processors.
How long does it take to get approved?
Most standard businesses are approved within 24-48 hours. High-risk industries may require additional underwriting and take 3-5 business days. Once approved, equipment ships same-day and you can begin processing immediately upon arrival.
What equipment do I need to accept credit cards?
That depends on your business type. Retail locations typically need a countertop terminal or full POS system. Service businesses benefit from mobile card readers. Online stores need a payment gateway. We'll recommend the right solution based on your specific needs—equipment is often provided free with your merchant account.
Can you process high-risk transactions?
Yes. We specialize in high-risk merchant accounts for industries like CBD, nutraceuticals, gaming, adult entertainment, and more. Our banking relationships are specifically designed for businesses that traditional processors decline.
What about chargebacks and fraud protection?
Our processing includes built-in fraud detection and chargeback prevention tools. For higher-risk merchants, we offer Midigator integration for early chargeback alerts and dispute management. Proactive protection keeps your chargeback ratio healthy and your account stable.
Ready to Lower Your Processing Costs?
Get a free quote and rate comparison. See exactly how much you can save with transparent, interchange-plus pricing.