You’re running a business, not funding someone else’s yacht. When your credit card processing fees are eating 3-4% of every transaction, that’s money straight out of your growth fund, your emergency reserves, your ability to invest in better equipment or hire that extra person you need.
Here’s what changes when you’re not getting nickel-and-dimed: your cash flow smooths out, your monthly statements make sense, and you can actually plan ahead without wondering what surprise fees will show up next month. You get next-day funding instead of waiting around for your own money.
The difference isn’t just in the rates – though ours are competitive. It’s in knowing exactly what you’re paying and why, getting someone on the phone when your terminal acts up, and having a processing partner who actually wants your business to succeed.
We’ve been helping Virginia businesses process payments since 1992, back when most people thought credit cards were just for big retailers. Now we’re watching Fairfax County businesses navigate everything from government contracts to serving the region’s highly educated workforce – and we understand what that means for your payment processing needs.
With over 30 full-time employees in our Annapolis office, we’re not some call center operation. When Fairfax County moved to NIC-Virginia for their processing and dropped their fees to 2.35%, local businesses took notice. That’s the kind of transparency and fair pricing we’ve been advocating for decades.
Whether you’re serving the 65% of Fairfax residents with bachelor’s degrees or higher, or you’re one of the 5,000 women-owned firms in Northern Virginia, you need processing that works as hard as you do.
First, we actually listen to how you do business. Not every restaurant needs the same setup as a retail shop, and not every service business processes payments the same way. We look at your transaction volume, your average ticket size, and whether you’re taking payments in person, online, or both.
Next, we design a solution that fits. Maybe that’s a countertop terminal, maybe it’s mobile processing for when you’re out in the field, maybe it’s an integrated point-of-sale system that handles inventory and reporting. We don’t push equipment you don’t need.
Then we handle the setup and training. Your staff knows how to run transactions, process returns, and handle the daily batch settlement. We make sure your first few weeks go smoothly, and we’re available when questions come up later.
Ready to get started?
You get more than just credit card processing. We’re talking debit cards, EBT, check conversion and guarantee, gift cards, loyalty programs, mobile payments, and business cash advances when you need working capital. All the ways your customers want to pay, all in one place.
For Fairfax’s diverse business landscape – from government contractors to tech startups to established retail – we provide equipment that ranges from basic terminals to full restaurant management systems. Your POS can track inventory, manage employee schedules, generate detailed reports, and even help with tip management for service businesses.
The security features aren’t optional extras. Every transaction gets encrypted, every customer’s data stays protected, and you stay compliant with industry standards without having to become a cybersecurity expert. That matters when you’re serving a market where data protection is taken seriously.
Most small businesses pay between 1.5% and 3.5% per transaction, but the real cost depends on your processing volume, average ticket size, and how you take payments. In-person transactions with chip cards typically cost less than online or manually entered transactions.
What matters more than the base rate is transparency. Many processors load on monthly fees, statement fees, PCI compliance fees, and equipment rental charges that can add $50-100 or more to your monthly bill. We believe in showing you exactly what you’re paying and why, so you can make informed decisions about your processing costs.
The key is finding a processor who works with your business model instead of trying to force you into their standard package.
With our standard processing, funds typically appear in your bank account within 2-4 business days after you settle your daily batch. For many businesses, we can offer next-day funding, which means transactions processed on Monday show up in your account on Tuesday.
The timing depends on when you close your batch each day and which bank you use. We recommend settling your transactions at the end of each business day – it keeps your risk profile low and helps ensure the fastest possible funding.
If cash flow timing is critical for your business, let us know during setup. We can often structure your account to optimize funding speed, especially if you have consistent processing volume.
First, you call our support line – we’re available Monday through Friday from 8 AM to 10 PM Eastern. Most terminal issues can be resolved over the phone within a few minutes. Our technicians can walk you through troubleshooting steps or help you process transactions manually if needed.
If your terminal needs replacement, we can often ship a new one the same day for next-business-day delivery. For businesses that can’t afford any downtime, we can set you up with backup processing options or mobile solutions that keep you running while we resolve the hardware issue.
We also provide training on basic maintenance and troubleshooting, so your staff can handle minor issues without waiting for support. The goal is keeping your business running, not creating more problems for you to solve.
Yes, most of our terminals and point-of-sale systems accept contactless payments including Apple Pay, Google Pay, Samsung Pay, and tap-to-pay credit cards. This is especially important in Fairfax, VA where customers expect modern payment options.
The setup is straightforward – your terminal either has built-in NFC capability or we can provide equipment that does. There’s no additional monthly fee for accepting mobile wallet payments, and they’re often more secure than traditional card swipes because they use tokenization.
Mobile payments also process faster at checkout, which your customers appreciate and which can help you serve more people during busy periods. The technology is reliable and widely accepted, so it’s worth having even if only a portion of your customers use it regularly.
Our customer support covers everything from basic transaction questions to technical troubleshooting, billing inquiries, and equipment replacement. You’re not dealing with a different department for every issue – our team understands both the technical and business sides of payment processing.
You can reach us by phone Monday through Friday, 8 AM to 10 PM Eastern Standard Time. We also provide email support for non-urgent questions and have online resources for common issues. When you call, you’re talking to someone at our Annapolis office who understands local business needs.
Support isn’t just about fixing problems. We help with reporting questions, PCI compliance guidance, rate reviews, and planning for business growth. If your processing needs change, we work with you to adjust your setup rather than forcing you to start over with a new provider.
Yes, we work with businesses of all sizes, from small retail shops to major enterprises processing millions in monthly volume. Higher processing volumes often qualify for better interchange rates and lower markup fees. Government contractors, in particular, may benefit from specialized pricing structures.
We also understand the unique needs of businesses serving government clients – from compliance requirements to invoicing processes. Our solutions can handle Level II and Level III processing data that some government and B2B transactions require for optimal interchange rates.
The key is having an honest conversation about your processing volume, growth plans, and business model. We can structure pricing that makes sense for your current situation while allowing room for growth. Volume pricing isn’t just for huge corporations – many mid-sized Fairfax businesses qualify for better rates than they’re currently getting.
Local Resources
Other Services we provide in Fairfax
