Processing fees eat into your margins every single day. When you’re paying 2-3% on every card transaction, those percentages add up fast—especially in a market like Reston where card usage has overtaken cash almost entirely.
You’re not looking for the cheapest option. You’re looking for the one that doesn’t nickel-and-dime you with hidden fees, doesn’t change pricing models as you grow, and doesn’t make you wait three days to access your own money.
Next-day funding means you can cover payroll without stress, restock inventory when you need to, and plan your cash flow around actual numbers instead of guesswork. That’s what changes when your payment processing actually works for you instead of against you.
We’re a registered ISO of PNC Bank, and we’ve spent over 30 years helping businesses in Reston and across Northern Virginia handle payments without the usual headaches. That matters because this isn’t a new venture testing things out on your dime.
Reston’s economy runs on professional services, tech companies, and small businesses that can’t afford downtime. With over 2,400 business establishments in the area and a workforce that expects seamless transactions, you need a processor who understands what’s at stake when a system goes down or a payment doesn’t clear.
We’re local. We answer the phone. And we’ve seen enough businesses grow here to know what actually works.
First, we look at how you’re currently accepting payments and what it’s costing you. Not just the obvious fees—the hidden ones too. We’re checking for things like monthly minimums, statement fees, PCI compliance charges, and whether you’re paying more because your processor bundled services you don’t use.
Then we build out what you actually need. If you run a fleet, that means fleet card processing with real-time fraud protection and reporting that turns transaction data into something useful. If you’re taking online orders, that’s secure online payment acceptance integrated with what you’re already using. If you want to keep customers coming back, we set up gift card and loyalty programs that don’t require a second degree to manage.
After that, we handle the setup and make sure your existing equipment still works. You’re not starting from scratch unless you want to. And when you have a question or something isn’t working right, you call us directly—not a 1-800 number where you’re on hold for 45 minutes.
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Credit card processing is the baseline, but it’s not the whole picture. You’re also getting check acceptance, wireless payment acceptance for mobile transactions, and the ability to take payments over the phone or online without jumping through hoops.
Fleet card processing is a big one for Reston businesses managing vehicles. You get control at the card and driver level, real-time alerts when something looks off, and reporting that shows you fueling trends and performance data. That’s how you catch a problem before it becomes expensive.
Gift cards and loyalty programs aren’t just for retail. They work for service businesses too, and they’re one of the most effective ways to bring customers back without spending more on advertising. In a market where the median household income is over $139,000, people have options—you need a reason for them to choose you twice.
We also offer business cash advances if cash flow gets tight. It’s not a loan. It’s an advance on future sales, and it’s faster than waiting on a bank.
Most businesses pay between 2-3% per transaction, but that’s not the full story. You’ve also got monthly fees, statement fees, PCI compliance fees, and sometimes equipment rental charges that add up to a few hundred dollars a month before you even process a single card.
The real cost depends on your transaction volume, average ticket size, and whether you’re swiping cards in person or keying them in manually. In-person transactions are cheaper to process because they’re lower risk. If you’re doing a lot of phone or online orders, expect to pay a bit more.
What kills most businesses isn’t the percentage—it’s the lack of transparency. Processors will advertise a low rate and then bury the other fees in fine print. We break it all down upfront so you know exactly what you’re paying and why.
Standard processing means you wait 2-3 business days to see money from a transaction hit your account. Next-day funding means it’s there the next business day. That difference matters a lot when you’re managing payroll, restocking inventory, or just trying to keep cash flow steady.
For businesses in Reston where operating costs are high and margins are tight, waiting three days for your own money can create problems. You might have to float expenses on a credit card or delay purchases you need to make now.
Next-day funding costs a little more in processing fees, but it’s usually worth it. You’re paying for speed and predictability, and that’s valuable when you’re running a business that can’t afford to wait.
Usually, yes. Most modern terminals and point-of-sale systems can be reprogrammed to work with a new processor. We evaluate what you have, check compatibility, and let you know if it’ll work or if you need an upgrade.
If your equipment is outdated or locked to your current processor, we’ll recommend something that fits your needs without overselling you on features you won’t use. The goal is to get you up and running with minimal disruption, not to sell you a whole new system because it’s easier for us.
We also make sure whatever you’re using is set up to accept newer payment methods—digital wallets, contactless payments, things like that. In Reston, where customers expect modern payment options, you don’t want to be the business that only takes chip cards.
Fleet cards give you control at the individual card and driver level. You can set limits on how much each card can spend per day, restrict purchases to fuel only, and even limit transactions to certain times or locations. If someone tries to use a card outside those parameters, the transaction gets flagged or declined immediately.
The reporting side is just as important. You get detailed data on every transaction—who bought what, where, when, and how much. That makes it easy to spot patterns, catch unauthorized purchases, and see if certain drivers are consistently overspending or fueling up at more expensive stations.
For businesses in Reston managing fleets, this kind of visibility is critical. Fuel costs are high, and without controls in place, it’s easy for expenses to spiral. Fleet cards turn what used to be a manual, time-consuming process into something you can manage in a few minutes.
You call us, and we pick up. That’s the short answer. The longer answer is that we troubleshoot the issue in real time, figure out whether it’s a hardware problem, a connectivity issue, or something on the processing side, and get you back up as fast as possible.
Downtime costs you money. Every minute you can’t process a payment is a potential lost sale, and in a busy market like Reston where customers have plenty of other options, you can’t afford to tell people to come back later.
We also set up redundancies where it makes sense—backup terminals, offline processing modes, things like that. The goal is to minimize the chance of downtime in the first place, but when it does happen, you’re not stuck waiting on hold with a call center halfway across the country.
No, and that’s part of the problem with how a lot of businesses currently handle payments. Using multiple processors means multiple monthly fees, multiple statements to reconcile, and multiple points of failure when something goes wrong.
We integrate everything under one system. In-store, online, mobile, phone orders—it all runs through the same processor, shows up on the same statement, and gets deposited into the same account. That makes your life easier, saves you money on redundant fees, and gives you a single point of contact when you need support.
For businesses in Reston that are doing any kind of omnichannel sales—retail plus online, service calls plus phone bookings—this kind of integration isn’t just convenient. It’s necessary. You need to see all your transactions in one place to understand your cash flow and make smart decisions about your business.
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