You’re already dealing with enough. Rising costs, staffing challenges, customers who want to pay five different ways. The last thing you need is a payment processor charging you 6% per transaction and burying fees in fine print.
Here’s what changes when your processing costs drop and your systems actually work. You see exactly what you’re paying each month. No surprise fees, no percentage creep, no calls to a different person every time something breaks. Your customers pay however they want—card, mobile, contactless, online—and you get your money fast.
When a business in Falls Church switched to us, their processing fees went from 6.95% to 3.46%. That’s real money back in their account every single month. You’re not just accepting payments. You’re running a tighter operation with better cash flow and fewer headaches.
We aren’t new to this. We’ve been helping businesses process payments since 1992, and we’ve seen every pricing trick, every bait-and-switch, every “low rate” that wasn’t. That’s why we do it differently.
We’re a registered ISO of PNC Bank and we’ve won the Best of Annapolis Award two years running for business development services. But what matters more is this: when you call, you get someone who knows your account. When you need equipment, we help you pick what actually fits your business—not what makes us the most commission.
Falls Church businesses operate in one of the most competitive markets in the country. Median household income here tops $161,000, and your customers expect smooth, secure transactions every time. We make sure you can deliver that without overpaying for the privilege.
First, we look at what you’re currently paying. Most businesses don’t realize how much they’re losing to processing fees until someone actually breaks down the statement. We do that—line by line—so you know exactly where your money goes.
Next, we design a system that fits how you actually do business. Retail storefront? You need a solid POS system that tracks sales and customer data. Mobile operation? Wireless payment acceptance that works anywhere. Online store? Secure payment gateway with fraud protection built in. Fleet-based business? We handle fleet card processing too.
We disclose every rate and fee upfront. You’ll know your percentage, your transaction fees, and your monthly costs before you sign anything. Then we get you set up with equipment that works today and won’t be obsolete next year.
After that, you’ve got 24/7 support. Not a call center in another country—actual technical support that picks up when you need help. Your transactions process fast, your customers pay how they want, and you get access to your funds without waiting days for settlement.
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You get full credit and debit card processing across all major networks. That includes Visa, Mastercard, American Express, and Discover. You can accept mobile payments, contactless transactions, and traditional swipe or chip cards. If your customers want to pay online through your website or app, we set that up too.
Gift card and loyalty programs are included if you want them. These aren’t just nice-to-haves anymore—Falls Church customers expect options, and loyalty programs bring people back. We also handle electronic check acceptance, which still matters for certain industries and larger transactions.
For businesses running fleets, our fleet card processing integrates with your existing systems. You get detailed reporting on every transaction, which helps when you’re tracking expenses across multiple vehicles or drivers. And if you need an ATM on-site, we cover that too.
The POS systems we recommend do more than process sales. They track inventory, customer purchase history, and give you real-time data on what’s moving and what’s not. In a market as competitive as Northern Virginia, that kind of insight keeps you ahead. You’re not just accepting payments—you’re running a smarter business with better information and lower costs.
Most businesses pay too much because they don’t know what’s normal. Rates vary based on your industry, transaction volume, and how you accept payments, but here’s the reality: if you’re paying over 3.5% per transaction, you’re likely overpaying.
We’ve seen Falls Church businesses stuck at 6% or higher, especially restaurants and retail shops that were sold on “simple flat-rate pricing.” That sounds easy until you realize you’re losing thousands every month. Interchange rates—what the card networks actually charge—are typically between 1.5% and 3%, depending on the card type. Everything above that is markup.
When we evaluate your account, we break down exactly what you’re paying and why. Then we show you what it should cost. Transparent pricing means you see the interchange rate, our markup, and any transaction fees separately. No bundling, no hiding costs in “discount rates.” You’ll know if you’re getting a fair deal or getting taken advantage of.
Most businesses see funds in their account within one to two business days. That’s standard for card-present transactions—when someone swipes, dips, or taps in your store. Card-not-present transactions, like online orders, can take an extra day because of higher fraud risk.
Some processors hold your money longer, especially if you’re new or in a high-risk industry. We don’t play those games unless there’s a legitimate reason. Cash flow matters, especially in Falls Church where rent and operating costs are high. You need access to your money as fast as possible.
If you’re currently waiting three, four, or five days for deposits, that’s a red flag. Either your processor doesn’t trust you—which means they’re worried about chargebacks or fraud—or they’re holding your funds to make interest. Both are problems. We settle transactions as fast as the card networks allow, and if there’s ever a delay, we tell you why upfront instead of making you chase down answers.
There’s no extra fee just for accepting mobile or contactless payments. The processing rate is the same whether someone taps their phone, uses a physical card, or inserts a chip. What changes is the equipment you need to accept those payments.
If your current terminal doesn’t support NFC (near-field communication), you’ll need to upgrade. That’s a one-time equipment cost, not an ongoing fee. We recommend terminals that handle everything—swipe, chip, tap, and mobile wallets like Apple Pay and Google Pay—so you’re covered no matter how customers want to pay.
Here’s why this matters in Falls Church: your customers expect contactless options. Over 90% of merchants now accept digital payments, and customers increasingly prefer tap-to-pay because it’s faster and feels more secure. If you’re not set up for it, you’re creating friction at checkout. We make sure your equipment handles current payment methods and whatever comes next, so you’re not replacing terminals every two years because technology moved on.
You don’t need one, but it’s leaving money on the table if you don’t have it. Loyalty programs bring customers back more often, and gift cards are essentially interest-free loans—someone pays you now for a product or service you deliver later.
In a market like Falls Church, where household income is high and competition is fierce, loyalty programs give you an edge. Customers who join loyalty programs spend more per visit and come back more frequently. It’s not magic—it’s just incentive. Give someone a reason to choose you over the place next door, and they will.
Gift cards work the same way. They’re especially valuable for restaurants, salons, and retail shops. A percentage of gift cards never get fully redeemed, which is pure profit. And even when they do get used, the customer usually spends more than the card value. We set up both programs as part of your merchant services, and they integrate directly with your POS system so you’re not managing separate platforms or reconciling data manually.
You call us, and we fix it or replace it. That’s the short answer. The longer answer is that we stock the industry’s largest selection of equipment, so we’re not scrambling to find a replacement or waiting on a manufacturer to ship something.
Downtime costs you money. Every hour you can’t process payments is lost revenue, frustrated customers, and a headache you don’t need. That’s why we offer 24/7 technical support—not just for terminal issues, but for any payment processing problem that comes up. You’re not getting routed through three departments or waiting on hold for an hour.
If it’s a simple fix, we walk you through it on the phone. If the equipment is dead, we get you a replacement fast. And because we’ve been doing this since 1992, we’ve seen every terminal issue that exists. We know what fails, why it fails, and how to prevent it. When we recommend equipment, we’re thinking about reliability and longevity, not just the cheapest option that’ll break in six months.
Yes. You don’t need separate accounts for online payment acceptance and in-person transactions. One merchant account handles both, and you get a single statement that shows all your processing activity in one place.
What you do need is the right setup. For in-person payments, you need a terminal or POS system. For online payments, you need a payment gateway that integrates with your website or app. We provide both, and they work together under the same merchant services agreement.
This matters because a lot of Falls Church businesses are hybrid now—they have a physical location but also sell online or take orders through an app. You don’t want to manage two processors, two statements, and two sets of fees. That’s more work, more confusion, and usually more cost. We set you up with one system that handles everything, so you can see all your transactions in one dashboard, reconcile your books faster, and actually understand where your money is coming from.
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