When you’re paying 3.5% or more for payment processing, those fees add up fast. A business processing $10,000 monthly loses over $4,000 per year to unnecessary processing costs.
Better processing means predictable deposits in 1-2 business days instead of waiting a week for your money. Your customers get the payment options they expect – cards, mobile payments, ACH – without you paying premium rates for basic service.
The math is simple: lower fees plus faster funding equals better cash flow. That’s money you can reinvest in inventory, marketing, or simply keep as profit instead of handing it over to a payment processor.
We’ve been serving Virginia businesses for over three decades. We’ve earned the 2024 Best of Annapolis Award because we focus on what actually matters: competitive rates, reliable service, and real customer support.
Unlike national processors that route you through call centers, our 30+ person team operates from our Maryland headquarters. When Herndon businesses call us, they talk to the same knowledgeable staff who understand local market conditions and business needs.
We’ve processed payments for everything from Dulles corridor tech companies to Main Street retailers. That experience means we know which solutions work for different business types and can spot potential issues before they become problems.
We start by analyzing your current processing costs and transaction patterns. No generic quotes – we calculate your actual potential savings based on your real business data.
Our technical team handles equipment setup and integration with your existing systems. Whether you need countertop terminals, wireless processing, or online payment gateways, we test everything before you process your first transaction.
Most businesses see immediate cost reductions and faster funding within days of switching. Our ongoing support ensures you’re getting optimal rates as your business grows and transaction patterns change.
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Your processing package includes credit cards, debit cards, ACH transfers, mobile payments, and gift card programs. We support Apple Pay, Google Pay, and all major card brands so customers can pay their preferred way.
Advanced fraud protection and PCI compliance support come standard, not as expensive add-ons. Herndon’s location in the DC metro area means processing international cards and handling business travelers seamlessly – our systems handle this automatically.
For online businesses, our payment gateways integrate with popular shopping carts and accounting software. Brick-and-mortar stores get reliable POS solutions that work with existing inventory systems. The technology adapts to your business model, not the other way around.
Most small businesses in Herndon pay 2.9-3.5% per transaction plus monthly fees that often include hidden costs. Many business owners don’t realize they’re paying for services they don’t use or need.
We typically reduce total processing costs by 20-40% through transparent pricing and competitive base rates. Instead of complex fee structures with surprises, you get straightforward rates based on your actual transaction types. A restaurant pays different rates than a retail store because their processing needs are different.
The key is understanding your effective rate – the total amount you pay divided by your processing volume. That’s the number that matters for your bottom line.
Standard funding takes 1-2 business days, which is faster than many processors that hold funds for 3-7 days. For established businesses, we often arrange next-day funding so transactions processed today appear in your account tomorrow.
Faster funding improves cash flow significantly, especially for businesses with regular expenses like payroll or inventory restocking. Instead of waiting a week to access your revenue, you can rely on predictable deposit timing for better financial planning.
This speed advantage becomes crucial during busy periods when you need quick access to working capital.
Usually, yes. We work with virtually all major POS systems and can reprogram most terminals to work with our network. This saves you equipment costs and eliminates downtime during the transition.
Our technical team handles the changeover process, including testing to ensure everything functions properly before you go live. If your equipment is outdated, we offer modern terminals and integrated POS solutions at competitive prices.
The goal is better processing without disrupting your daily operations. Most businesses switch over during slow periods and are processing at lower rates within 24-48 hours.
You get direct access to our support team Monday through Friday, 8 AM to 10 PM Eastern. When you call, you speak with our staff – no transfers to overseas call centers or lengthy hold times.
We handle transaction questions, technical troubleshooting, chargeback disputes, and equipment issues. If there’s a problem affecting your ability to process payments, we treat it as urgent and work to resolve it immediately.
Our proactive approach means we often identify and fix potential issues before they impact your business. That’s the advantage of working with a processor that actually knows your account.
We prefer earning your business through good service rather than locking you into contracts. While some specialized accounts may have minimal setup costs, we’re transparent about all fees before you sign up.
Many clients work with us month-to-month because they’re satisfied with the service and savings. We’d rather keep customers because we’re providing value, not because they can’t leave.
This approach has worked for over 30 years – businesses stay with us because the processing costs less and works better, not because they’re trapped in a contract.
We work with all business types in the Herndon area – retail stores, restaurants, service companies, professional firms, and e-commerce operations. Our client base includes small family businesses and larger enterprises with multiple locations.
Given Herndon’s concentration of technology companies and professional services, we have extensive experience with businesses needing both in-person and online processing capabilities. We also serve seasonal businesses, contractors, and companies with variable transaction volumes.
The key is matching processing solutions to your specific business model, customer base, and growth plans rather than forcing you into a generic package.
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