Processing fees eat into your margins every single day. When you’re running a contracting business, a retail shop, or a service company in Haymarket, those percentages add up fast—especially when you’re processing thousands in transactions each month.
You need rates that make sense. Not the inflated percentages that come with vague contracts and hidden fees. You also need your money available when you need it, not three days later when bills are due.
That’s what changes when you work with us. We’re transparent about costs and get you next-day funding. You see exactly what you’re paying, you keep more of each sale, and your cash flow stays predictable. No surprises. No fine print that costs you later.
We’ve been handling payment processing for over three decades. We’re a Registered ISO of PNC Bank, and we’ve built our reputation on being straight with business owners about what things cost and how they work.
Haymarket’s business community is made up of contractors, retailers, service providers, and restaurants—all dealing with different payment needs. We’ve worked with enough of them to know what matters: lower rates, reliable equipment, and someone who answers when something goes wrong.
We’re not the biggest name you’ll see. But we’ve been around long enough to know that most businesses don’t need a sales pitch—they need a processor who shows up, does the job right, and doesn’t nickel-and-dime them on the back end.
First, we look at what you’re currently paying. Most businesses in Haymarket are overpaying by at least a point or two, and they don’t even realize it. We’ll review your statement and show you exactly where the costs are coming from.
Then we design a setup that fits how you actually take payments. If you’re running a fleet operation, you need fleet card processing with category controls and reporting. If you’re taking orders online, you need secure online payment acceptance that integrates with your site. If you’re in retail, you might want wireless payment acceptance and a loyalty or gift card program to bring customers back.
Once we agree on the structure, we handle the equipment install and get you connected. You’ll have a contact who knows your account, and if something breaks or a transaction doesn’t go through, you call us directly. No phone trees. No offshore call centers. Just someone who can fix it.
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You get credit and debit card processing, obviously. But you also get check acceptance if you still take checks, which plenty of contractors and service businesses in Haymarket do. You get wireless terminals if you’re mobile or working on job sites. And if you run a fleet, you get fleet card processing with the data and controls you need to track fuel, maintenance, and driver purchases.
We also set up gift card and loyalty programs for businesses that want to build repeat customers. It’s not complicated—customers load a card, you track their purchases, and they come back because there’s a reason to. Restaurants and retail shops see real results from this, especially in a town like Haymarket where word-of-mouth matters.
Online payment acceptance is part of the package too. If you’re taking orders through your website or sending invoices that customers pay digitally, we make sure it’s secure and connects to your reporting. Everything runs through one system, so you’re not juggling three different processors and trying to reconcile statements at the end of the month.
Most small businesses in Haymarket are paying somewhere between 2.5% and 3.5% per transaction, but it depends on your industry, transaction volume, and how cards are processed. Retail businesses that swipe cards in person usually get better rates than companies that key in card numbers manually or process payments online.
The bigger issue is usually the fees you don’t see coming. Monthly service charges, PCI compliance fees, statement fees, batch fees—they add up. A lot of processors advertise a low percentage but load the back end with charges that cost you an extra $50 to $100 a month.
We show you the full cost upfront. You’ll know your percentage, your per-transaction fee, and any monthly costs before you sign anything. And if your volume goes up or your business changes, we adjust the structure so you’re not locked into something that doesn’t make sense anymore.
You get paid the next business day. That’s standard with us, and it’s one of the reasons businesses switch over. A lot of processors hold your funds for two or three days, which doesn’t help when you’ve got payroll, inventory orders, or vendor payments due.
Next-day funding means the transaction processes today, and the money hits your account tomorrow. If you process a sale on Friday, you’ll see the deposit Monday. It’s predictable, and it keeps your cash flow moving the way it should.
Some processors offer same-day funding, but it usually comes with higher fees or stricter terms. For most businesses in Haymarket, next-day funding is the sweet spot—fast enough to matter, without paying extra for a feature you don’t really need.
Yes. Wireless payment acceptance is built for exactly that. If you’re a contractor working on a site in Haymarket, a landscaper finishing a job, or a service provider who goes to the customer, you can process payments right there with a mobile terminal.
The terminals connect through cellular or Wi-Fi, so you’re not dependent on the customer having internet or you being near your office. You swipe or tap the card, the transaction processes, and you’re done. The customer gets a receipt by email or text if they want one.
This also keeps your rates lower. When you swipe a card in person, you’re paying less than if you wrote down the card number and keyed it in later. The wireless terminal gives you the in-person rate even when you’re mobile, which saves you money on every sale.
It brings people back. That’s the whole point. A customer buys a gift card for someone else, and now you’ve got a new customer walking in with money already loaded. A loyalty program rewards repeat business, so instead of trying a competitor next time, they come back to you because they’re earning something.
For restaurants, coffee shops, and retail stores in Haymarket, this makes a real difference. You’re not just hoping people remember you—you’re giving them a reason to choose you again. And the data helps too. You can see who your regulars are, what they’re buying, and when they typically come in.
The setup isn’t expensive, and the cards themselves are cheap to produce. You’re mostly paying a small percentage on reloads or redemptions, which is easy to absorb when you’re keeping customers who would’ve spent their money somewhere else.
Yes, and it’s one of the areas where we go deeper than most processors. Fleet card processing isn’t just about accepting payment—it’s about tracking what your drivers are spending, where they’re spending it, and whether those purchases make sense.
You get category-level controls, so you can restrict cards to fuel only, or fuel and maintenance, or whatever limits you want to set. You also get reporting that shows every transaction by driver, by vehicle, and by location. If someone’s filling up twice in one day or buying things that don’t match their route, you’ll see it.
For contractors, landscapers, delivery companies, or any business running multiple vehicles around Haymarket and beyond, this kind of visibility matters. It cuts down on waste, catches problems early, and keeps your fuel costs from spiraling out of control. We set it up, walk you through the dashboard, and make sure your cards are working the way you need them to.
You call us, and we fix it. We offer 24/7 support, so if your terminal goes down on a Saturday or a transaction gets declined and you don’t know why, someone’s available to walk you through it or get a replacement terminal out to you.
Most problems are simple—something didn’t connect right, a setting got changed, or the terminal needs a reboot. We can handle that over the phone in a few minutes. If the equipment is actually broken, we send a replacement and get you back up fast.
You’re not waiting on hold with a 1-800 number or dealing with a support team that doesn’t know your account. You’ve got a direct contact who knows your setup, and if they’re not available, the person who picks up has access to your file and can help right away. That’s how it should work.
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