Your customers want options. Credit cards, debit cards, contactless payments, mobile wallets, fleet cards—if they’re trying to pay you with it, you should be able to accept it.
Most merchant services providers lock you into rigid systems that only handle the basics. Then you’re stuck turning away business or paying extra for add-ons that should’ve been included from the start.
You get a complete payment ecosystem that works the way your business actually operates. Process transactions at the counter, online, or in the field. Track everything in real time so you know exactly where your money is and when it’s hitting your account. No waiting three business days to access funds you’ve already earned. No calling support just to figure out why a payment didn’t go through.
When 96% of small businesses accept cards and 65% of revenue flows through merchant services, you can’t afford a system that slows you down or costs more than it should.
Merchant Processing Solutions Inc is a registered ISO of PNC Bank, serving businesses throughout Ashburn and the greater Virginia area. We’re not a call center in another state—we understand what businesses here deal with.
Ashburn’s economy runs on professional services, tech companies, and small businesses that need payment processing that keeps pace with growth. You’re working with educated customers who expect modern payment options and fast transactions. Your processing system needs to match that expectation.
We’ve built our reputation on transparent pricing, responsive support, and technology that actually works when you need it. No rate increases buried in the fine print. No waiting on hold for an hour when something goes wrong. Just straightforward merchant services that help you get paid and move on with your day.
You start with a conversation about what you actually need. Not a sales pitch—a real assessment of your transaction volume, payment types, and business model. That determines which equipment and services make sense for you.
The application process is straightforward. We handle the underwriting coordination and keep you updated instead of letting your paperwork disappear into a black hole. Most approvals happen within a few business days, not weeks.
Once you’re approved, we set up your equipment and integrate it with your existing systems. You get trained on how everything works—the card readers, the reporting dashboard, the mobile options, all of it. Then you start processing.
Transactions clear quickly. Funds typically hit your account the next business day, or same-day if you need that option. You can log in anytime to see transaction details, run reports, or check your deposit schedule. When you have questions or issues, you call a real person who can actually help you, not read from a script.
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You get full credit and debit card processing for all major card brands. That covers in-person transactions, online payment acceptance, and mobile processing when you’re working off-site.
Fleet card processing is built in, not an expensive add-on. If you’re running a business in Ashburn that manages vehicles—contractors, delivery services, field operations—you need centralized fuel expense tracking. Your drivers can fuel up at over 90% of U.S. stations, and you get automated reporting that eliminates manual record-keeping. No more chasing down receipts or reconciling fuel purchases at month-end.
Gift card and loyalty programs help you compete with larger businesses that have those systems in place. Ashburn’s median household income sits above $152,000, which means your customers have spending power and options. Loyalty programs give them a reason to come back to you instead of the competition.
Wireless payment acceptance matters when you’re serving customers outside a traditional checkout counter. Restaurants taking tableside payments, service providers collecting on-site, events and pop-ups—you need equipment that moves with you.
The reporting tools show you everything: transaction volumes, peak times, payment method breakdowns, chargeback alerts. You’re not guessing about your cash flow or waiting until month-end to see what actually happened.
Pricing depends on your transaction volume, average ticket size, and business type, but here’s what you should expect: interchange fees (what the card networks charge), a small processing markup, and monthly account fees.
Interchange-plus pricing is the most transparent model. You pay the actual interchange rate—which you can verify on Visa and Mastercard’s public fee schedules—plus a fixed markup. That markup doesn’t change when interchange rates fluctuate, so you’re not getting hit with surprise increases.
Avoid providers who quote you one low rate but bury higher fees in the contract. Two-thirds of small businesses say processing costs are harder to stomach right now because of inflation. The last thing you need is a merchant services provider making that worse with hidden charges. Ask for a complete fee breakdown in writing before you sign anything, and make sure there’s no clause allowing unilateral rate increases.
Standard processing puts funds in your account the next business day. If you process a transaction Monday morning, you’ll typically see that money in your bank account Tuesday.
Same-day funding is available if your cash flow needs are tighter. You’ll pay a small premium for that speed, but it’s there when you need it—especially useful for businesses with daily operating expenses or thin margins.
The timing also depends on when you batch out your transactions. Most systems do this automatically at end of day, but if you’re manually closing batches, do it before the cutoff time (usually around 5 PM Eastern) to hit next-day funding. Miss that window and you’re pushed to the following business day. Weekends and bank holidays add delays, so Friday transactions typically arrive Monday.
Yes, and you should be able to do that without maintaining separate systems or paying for two different processors.
Fleet cards work differently than regular credit cards—they require additional data capture like odometer readings, driver IDs, and vehicle numbers. But a properly configured merchant account handles both transaction types through the same terminal or payment gateway.
This matters in Ashburn because many businesses here serve both retail customers and commercial clients. A contractor might take a homeowner’s Visa in the morning and a fleet card from a commercial client in the afternoon. You shouldn’t need to switch systems or terminals between those transactions. The reporting keeps everything organized too—fleet transactions are flagged separately so you can track that business segment without manual sorting.
Chargebacks happen when a customer contacts their bank to reverse a transaction instead of working with you directly. You get notified, usually via email and in your merchant portal, and you have a limited window to respond—typically 7 to 10 days.
Your response needs to include proof that the transaction was legitimate: signed receipts, delivery confirmation, service records, communication logs, whatever documentation shows you delivered what was purchased. The card network reviews both sides and makes a decision.
If you lose, the funds are pulled from your account plus a chargeback fee (usually $15 to $25). If you win, the transaction stands and you keep the money. The key is responding quickly with solid documentation. Most chargebacks that businesses lose aren’t because they were wrong—they’re because the response was late or incomplete. We help you through this process instead of just forwarding you the notice and wishing you luck.
In-person payments require physical card readers—countertop terminals, mobile card readers, or full point-of-sale systems depending on your setup. Online payment acceptance runs through a payment gateway that integrates with your website or e-commerce platform.
But here’s what matters: those systems should connect to the same merchant account. You don’t want one processor for your physical location and another for online sales. That splits your reporting, complicates reconciliation, and often means you’re paying two sets of fees.
A unified system lets you see all transactions in one place regardless of how the payment came in. You can track whether most of your revenue is happening online or in-person, identify trends, and make decisions based on complete data. The equipment itself is straightforward—modern terminals handle chip cards, contactless payments, and mobile wallets. For online, you need a gateway that’s PCI compliant and integrates with whatever platform you’re using, whether that’s a custom website, Shopify, or something else.
You get 24/7 technical support, which matters because payment issues don’t only happen during business hours. A terminal that stops working at 6 PM on a Friday can cost you a weekend’s worth of sales if you can’t get help until Monday.
The quality of support varies wildly across merchant services providers. Some route you through offshore call centers where you wait on hold, explain your problem to someone reading a script, and get transferred three times. That’s not what you’re getting here.
You call a support line that’s answered by people who understand payment processing and can troubleshoot real issues—declined transactions, equipment malfunctions, gateway errors, batch settlement problems. Most issues get resolved on the first call. If it’s an equipment failure, replacement hardware ships out quickly so you’re not stuck unable to process cards for days. The goal is to get you back to running transactions as fast as possible, not to document your problem and schedule a follow-up.
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