Those “small” processing fees add up fast. A 2.9% rate versus 2.1% might not sound like much, but on $50,000 monthly volume, that’s $4,800 extra per year going to your processor instead of your business.
You need payment processing that works harder for your bottom line. Faster transaction speeds that don’t frustrate customers. Deposits that hit your account reliably. Equipment that actually works when you need it.
The right processing partner doesn’t just handle transactions – we help your business run smoother and keep more profit where it belongs.
We’ve been helping Bowie area businesses process payments since 2007, back when most processors were pushing expensive lease programs and locking merchants into unfair contracts. Our approach was different then, and it still is now.
Instead of call centers and account managers you never speak to, we operate from Annapolis with over 30 full-time employees. When Bowie businesses call us, they get real people who know their accounts and can actually solve problems.
That’s why we’ve earned the Best of Annapolis Award two years running. As a registered ISO of PNC Bank, we have the stability and backing to serve everyone from small retailers near Bowie Town Center to larger enterprises throughout Prince George’s County.
We start by looking at your current processing costs and business needs. Not just transaction volume – how you actually operate, what equipment you need, whether you process more cards in-person or over the phone.
Then we design a solution that fits. Maybe that’s a simple countertop terminal for your retail shop. Maybe it’s mobile point of sale systems for your catering business. Or wireless terminals that let you process payments anywhere in your restaurant.
Once everything’s set up and tested, you start processing with clear expectations. Funds hit your account in 2-4 business days. Support is available when you need it. No surprises on your statement because we explain exactly what you’ll pay upfront.
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Bowie businesses aren’t all the same, so cookie-cutter processing doesn’t work. The restaurant on Route 197 has different needs than the contractor working residential jobs or the retail shop in Belair Mansion.
We handle credit and debit cards, obviously. But also check processing, gift card programs, loyalty systems, and mobile merchant services for businesses that need payment flexibility. Whether you’re processing $5 coffee sales or $5,000 service contracts, we have equipment and pricing that makes sense.
Maryland businesses also benefit from state laws that cap early termination fees at $500 maximum. Unlike processors that trap you with expensive contracts, we earn your business through better service and competitive rates, not legal fine print.
Processing rates typically range from 1.5% to 3.5% per transaction, but your actual rate depends on your business type, how you process cards, and your monthly volume. Restaurants often pay different rates than retail stores. Swiped transactions cost less than keyed-in phone orders.
The problem with most processors is they quote you a low rate, then add fees and surcharges that inflate your real costs. Interchange-plus pricing shows you exactly what you’re paying – the base cost set by Visa and Mastercard, plus our clear markup.
We evaluate your specific business to get you the best possible rates. A busy restaurant in Old Town Bowie processing $30,000 monthly will qualify for better pricing than a seasonal business with lower volume. That’s why generic online quotes don’t tell the whole story.
Funds typically appear in your business account 2-4 business days after you batch your transactions. This timeline is standard across the industry and depends partly on your bank’s processing schedule.
New businesses sometimes have slightly longer hold periods initially, but these decrease as you establish a processing history with good transaction patterns. We’re upfront about any holds so you can plan your cash flow accordingly.
Some processors advertise next-day funding but charge extra fees for it. We focus on reliable, predictable deposit timing at no additional cost. For most Bowie businesses, knowing exactly when to expect your money is more valuable than paying extra to get it one day sooner.
It depends on how and where you accept payments. Traditional retail stores usually need countertop terminals that handle chip cards, contactless payments, and mobile wallets like Apple Pay. These work great for fixed locations with consistent customer flow.
Service businesses often prefer wireless terminals that work anywhere with cell coverage. Contractors, food trucks, or businesses that travel to customers need that mobility. Mobile card readers that connect to tablets or smartphones offer the most flexibility for businesses that process payments in different locations.
We carry the industry’s widest equipment selection and match you with what actually works for your business model. A busy restaurant needs different capabilities than a seasonal retailer or professional service provider. The key is getting equipment that grows with your business instead of limiting what you can do.
Common hidden fees include monthly statement charges, PCI compliance fees, batch processing fees, equipment rental costs, and early termination penalties. Some processors also use confusing tiered pricing that puts most transactions in higher-cost categories.
The worst hidden fees are markup charges embedded in rates that look like standard processing costs. You might think you’re paying 2.5% when you’re actually paying 3.2% because of hidden surcharges that don’t appear as separate line items.
We use transparent pricing where you see exactly what you’re paying and why. Maryland law also protects businesses by capping early termination fees at $500 maximum, unlike other states where processors can charge thousands to break contracts. We’ll review your current statement to show you what unnecessary fees you might be paying right now.
Yes, we help businesses switch processors regularly. Many merchants don’t realize they have more options than they think, especially if they’re paying high rates or getting poor service from their current provider.
Maryland’s $500 cap on early termination fees means switching often costs much less than businesses expect. For most merchants processing decent volume, the savings from better rates cover any termination costs within a few months.
We’ll analyze your current processing statement and contract to calculate real savings potential. Sometimes waiting until your contract expires makes sense. Other times, switching immediately saves more money long-term. We focus on what makes the best financial sense for your specific situation, not just getting another account.
Real support from our Annapolis office, not overseas call centers where you get transferred multiple times and start over explaining your problem. Our support team works Monday through Friday, 8 AM to 10 PM Eastern, and we know your account when you call.
Equipment problems, transaction questions, statement issues – our team has the experience and authority to solve problems during your first call. We also train your staff on equipment operation so they feel confident processing payments.
For urgent after-hours issues, we have emergency support available. But most problems get resolved quickly during business hours because we’re local, we know your business, and we actually care about keeping your payment processing running smoothly. That’s the difference between working with a local company versus being account number 47,000 at a national processor.
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