You’re not running a charity. Every percentage point matters when margins are tight and competition is fierce.
That’s why College Park businesses choose payment processing that works with them, not against them. You get next-day funding instead of waiting days for your money. You pay transparent rates without hidden fees eating into your profits. And when something goes wrong, you talk to a real person who knows your account.
Your customers expect seamless payments whether they’re tapping their phone, swiping a card, or buying online. You need systems that handle it all without the headaches, delays, or surprise charges that come with big-box processors.
Since 1992, we’ve been the payment processor that College Park businesses actually recommend to each other. We’re not the biggest, but we’re the one that picks up the phone.
College Park’s economy generates over $600 million in retail activity, from the Discovery District’s quantum tech companies to the local restaurants and shops that keep the community thriving. We’ve seen businesses grow from single locations to multi-million dollar operations, and we’ve grown with them.
Our Annapolis headquarters houses over 30 dedicated employees who understand Maryland businesses. We’re a registered ISO of PNC Bank and BBB accredited, which means we meet the standards that matter when you’re trusting someone with your money.
First, we evaluate your specific business situation. Not every business is the same, so cookie-cutter solutions don’t work. We look at your transaction volume, average ticket size, and industry to design a processing approach that fits.
Next, we handle the equipment and integration. Whether you need countertop terminals, wireless systems, or e-commerce gateways, we provide the widest selection in the industry and make sure everything works with your existing systems.
Finally, we get you processing payments fast. Most setups are complete within days, not weeks. Your funds typically show up in your bank account within 2-4 days after settlement, and with our next-day funding options, you can access your money even faster.
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Your payment processing includes credit and debit card acceptance, mobile wallets like Apple Pay and Google Pay, gift cards, and loyalty programs. We also handle EBT, check conversion, and electronic commerce solutions.
College Park businesses especially benefit from our fraud protection tools. With the University of Maryland bringing visitors from around the world and the Discovery District attracting high-tech companies, you need security that keeps up with sophisticated threats.
Our 24/7 support means you’re never stuck when problems arise. Whether it’s a busy Friday night at your restaurant or a weekend surge in online orders, we’re available when you need us. No phone trees, no offshore call centers – just real people who know your business and can solve problems fast.
Processing fees vary based on your business type, transaction volume, and average ticket size, but we typically offer rates significantly lower than major processors like Square or PayPal. Instead of flat rates that can reach 2.9% or higher, we use interchange-plus pricing that often results in rates between 1-2% for qualified transactions.
The key is transparency. We show you exactly what each transaction costs, including interchange fees, assessment fees, and our markup. No hidden monthly fees, no surprise charges for PCI compliance, and no early termination penalties that trap you in bad deals.
We also offer cash discount programs that can eliminate processing fees entirely by passing the cost to customers who choose to pay with cards, while giving discounts to cash-paying customers.
Most businesses see funds in their bank accounts within 2-4 business days after settlement, which is standard for the industry. However, we also offer next-day funding options for businesses that need faster access to their cash flow.
This is especially valuable for College Park businesses that deal with seasonal fluctuations, like those serving the university community. When you need working capital for inventory or payroll, waiting a week for your money isn’t an option.
Our funding schedule is consistent and reliable. Unlike some processors that hold funds randomly or change terms without notice, you’ll know exactly when to expect your deposits. We also provide detailed reporting so you can track every transaction and reconcile your accounts easily.
The equipment you need depends on how and where you accept payments. For online-only businesses, you’ll need a payment gateway that integrates with your website or e-commerce platform. For retail locations, you might need countertop terminals, wireless systems, or tablet-based POS solutions.
We provide the industry’s widest selection of equipment, from basic terminals to advanced systems that handle inventory management, employee tracking, and customer loyalty programs. Everything is EMV-compliant and accepts contactless payments like Apple Pay and Google Pay.
Most importantly, we make sure your equipment integrates with your existing systems. Whether you’re using QuickBooks for accounting or a specialized software for your industry, we ensure everything works together seamlessly so you’re not managing multiple disconnected systems.
Security is built into every aspect of our payment processing systems. All transactions are encrypted and processed through secure networks that meet PCI DSS compliance standards. We also provide advanced fraud detection tools that analyze transactions in real-time to identify and prevent suspicious activity.
For College Park businesses, this is especially important given the diverse customer base from university visitors to international researchers in the Discovery District. Our fraud protection adapts to your typical transaction patterns and flags unusual activity without creating friction for legitimate customers.
We also handle the compliance requirements for you. PCI compliance can be complex and time-consuming, but we provide the tools and support you need to meet all security standards without the headaches or additional fees that many processors charge.
Our customer support is available 24/7, 365 days a year, with real people who can actually solve problems. No phone trees, no offshore call centers, and no waiting on hold for hours. When you call, you’ll speak with someone who has access to your account and the authority to resolve issues immediately.
This matters most when problems arise during your busiest times. If your payment system goes down during a weekend rush or a major university event, you can’t afford to wait until Monday for help. Our technical support team can troubleshoot remotely, walk you through solutions, or dispatch equipment if needed.
We also provide proactive support, monitoring your account for unusual patterns that might indicate problems before they affect your business. Our goal is to prevent issues, not just react to them after they’ve already cost you sales.
Yes, our payment processing solutions integrate with most popular business software including QuickBooks, accounting systems, inventory management platforms, and industry-specific applications. We also offer APIs for custom integrations if you have specialized software requirements.
Integration eliminates double data entry and reduces errors that happen when you’re manually transferring transaction information between systems. Your sales data flows automatically into your accounting software, inventory levels update in real-time, and customer information stays synchronized across all platforms.
For College Park businesses using specialized software – whether it’s restaurant POS systems, retail inventory management, or professional service billing platforms – we work with your existing setup rather than forcing you to change systems that already work for your business.
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