You’re not just getting a credit card processor—you’re getting a partner who understands that every percentage point matters to your bottom line. With transparent interchange-plus pricing and no hidden fees, you’ll know exactly what you’re paying and why.
Our clients typically save 20-40% on processing costs compared to their previous provider. That’s real money back in your pocket every month. Plus, with next-day funding, your cash flow stays strong instead of waiting days for your payments to clear.
When problems arise—and they will—you get a real person in under 36 seconds. No phone trees, no outsourced call centers, just knowledgeable support from our Annapolis team who understands your business.
Since 2007, we’ve been helping Virginia businesses process payments efficiently and profitably. As a registered ISO of PNC Bank with over 30 dedicated employees in our Annapolis headquarters, we combine the backing of a major financial institution with the personal service of a local company.
We’ve earned the Best of Annapolis Award two years running because we do things differently. While other processors nickel-and-dime you with fees, we focus on transparent pricing and genuine partnership. Our clients stay with us because we deliver on our promises.
In Lorton’s competitive business environment—where 9.2% of residents run their own businesses and median household income exceeds $136,000—you need a payment processor who understands that your reputation and cash flow are everything.
Getting started is straightforward. First, we analyze your current processing costs and business needs during a brief consultation. No high-pressure sales tactics—just honest assessment of how we can help.
Next, we design a custom processing solution with equipment and pricing tailored to your specific situation. Whether you need countertop terminals, wireless processing, or integrated POS systems, we recommend what actually fits your business, not what makes us the most money.
Installation and training typically happen within 24-48 hours. Our technicians handle the setup while walking your team through everything they need to know. You’ll have our direct support number for any questions that come up later.
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Your processing package includes everything you need to accept payments confidently. Credit and debit card processing, mobile wallet acceptance, contactless payments, and even gift card programs—all backed by enterprise-level security and PCI compliance assistance.
For Lorton businesses, we understand the importance of staying current with technology. Our equipment supports chip cards, contactless payments, and mobile wallets that your customers expect. Plus, our systems integrate with most existing POS software and accounting systems.
With Virginia’s business-friendly surcharging laws, we can also help you implement compliant fee recovery programs that offset processing costs without driving away customers. Many of our clients recover 60-80% of their processing expenses this way.
Processing fees typically range from 1.5% to 3.5% per transaction, but the exact cost depends on your business type, average transaction size, and processing volume. We use interchange-plus pricing, which means you pay the actual card network rates plus a small, transparent markup.
Unlike tiered pricing that hides costs in “qualified” and “non-qualified” rates, interchange-plus shows you exactly what goes to Visa/Mastercard versus what we charge. Most of our clients save 20-40% compared to their previous processor because there are no hidden fees or surprise charges.
We’ll analyze your current statements during our consultation and show you exactly what you’d pay with our transparent pricing structure.
Most businesses can start processing within 24-48 hours of approval. The timeline depends on your business type and whether you need new equipment or can use existing terminals.
For standard retail and service businesses, we can often approve your merchant account the same day you apply. If you need new equipment, we typically have it installed and your staff trained within two business days.
E-commerce businesses can often start processing even faster since there’s no physical equipment to install—just gateway integration, which our technical team handles remotely.
Yes, our customer support is available 24/7/365 with an average response time under 36 seconds. Unlike many processors who outsource support overseas, our team is based right here in Annapolis, Maryland.
When your terminal won’t connect or you have a transaction dispute, you’ll reach a knowledgeable technician who can actually solve your problem, not just read from a script. We understand that payment processing issues can’t wait until Monday morning.
Our support includes technical troubleshooting, transaction research, chargeback assistance, and equipment replacement. We also provide ongoing training for new staff members at no additional charge.
Yes, Virginia allows businesses to implement credit card surcharges with proper disclosure and compliance. You can recover up to 4% of processing costs or your actual cost, whichever is lower.
We help you implement compliant surcharging programs that clearly disclose fees to customers before they complete their purchase. This must be done correctly to avoid legal issues and maintain good customer relationships.
Many of our Virginia clients recover 60-80% of their processing costs this way without significantly impacting sales. We provide all the necessary signage, terminal programming, and compliance monitoring.
We offer month-to-month processing with no long-term contracts or early termination fees. If our service doesn’t meet your expectations, you can switch processors without penalty.
However, most clients stay with us long-term because we deliver on our promises. Our transparent pricing, reliable equipment, and responsive support consistently exceed expectations. We’ve built our reputation on client satisfaction, not contractual obligations.
If issues arise, we work directly with you to resolve them quickly. Our local team takes pride in maintaining long-term partnerships with Virginia businesses, not just processing transactions.
While flat-rate processors like Square (2.6-2.9%) and PayPal (2.7-3.5%) seem simple, they often cost more for established businesses with consistent volume. Our interchange-plus pricing typically runs 1.8-2.4% for most transactions.
The real difference is in additional fees. Square and PayPal charge extra for next-day deposits, phone support, and advanced features that we include at no charge. When you add up all costs, our clients usually save hundreds or thousands annually.
For businesses processing over $3,000 monthly, interchange-plus pricing almost always beats flat-rate models. We’ll show you exact comparisons during your consultation so you can make an informed decision based on real numbers, not marketing claims.
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