You’re already dealing with payroll, inventory, staffing, and a hundred other things. Your payment processing shouldn’t be another headache—and it definitely shouldn’t be quietly draining 3-4% of every transaction while burying you in chargeback fees.
Here’s what changes when your processing setup actually works for you. You see exactly what you’re paying and why. No surprise fees three months in. No rate hikes disguised as “account updates.” Just straightforward pricing that makes sense when you look at your statements.
Your customers pay how they want—card, contactless, mobile wallet, fleet card, whatever. You get funded fast, usually next day. And when something goes sideways, you’re not stuck in a phone tree. You’ve got a real person who knows your account and can actually help.
That’s the difference between processing that costs you and processing that supports you. One quietly takes. The other just works.
First, we talk. Not a sales pitch—an actual conversation about how you take payments now, what’s working, what’s costing you, and what you actually need. If you’re a fleet-based business running trucks up and down I-95, your setup looks different than a retail shop on Route 1 or a restaurant near Calverton.
Then we build your system. That means recommending equipment that fits your space and your workflow—countertop terminals, wireless handhelds, mobile card readers, whatever makes sense. We handle the integration with your existing POS or accounting software so you’re not rebuilding everything from scratch.
Once you’re live, you start processing. Transactions move through securely, funds hit your account next day in most cases, and you’ve got access to real-time reporting so you can see what’s happening. If you want to add gift cards or a loyalty program later, we set that up. If you need fleet card processing for your drivers, same thing.
And when something breaks or doesn’t make sense on your statement, you call us. You get a real person who knows your account. Not a script reader in a call center. That’s how it should work.
Ready to get started?
You get full credit and debit card processing across all major networks—Visa, Mastercard, Discover, American Express. Contactless and mobile wallet payments are standard because that’s how half your customers want to pay now. If you’ve got vehicles on the road, we handle fleet card processing so your drivers can fuel up and your office can track every gallon.
Online payment acceptance is built in for businesses that sell beyond their physical location. That includes secure payment gateways that integrate with your website or e-commerce platform. For brick-and-mortar spots, we set up loyalty and gift card programs that actually drive repeat business—not the kind that sit in a drawer and get forgotten.
Beltsville’s business mix is all over the map. You’ve got wholesale distributors near Powder Mill Road processing large B2B transactions. You’ve got food service operations that need fast table-turn times. You’ve got mobile service providers who need to take payments in the field. The system has to flex.
Wireless payment acceptance means you’re not tied to a counter. Check acceptance adds another payment option for the customers who still use them. And the reporting dashboard gives you everything in one place—sales trends, transaction history, chargeback alerts, the works. You’re not hunting through three different platforms to figure out what happened last Tuesday.
Processing fees typically break into three parts: interchange fees (what the card networks charge, usually 1.5-3.5%), assessment fees (small percentages from Visa/Mastercard), and your processor’s markup. The markup is where things get murky with some companies.
We price based on your transaction volume, average ticket size, and business type. A restaurant processing 200 small transactions a day pays differently than a wholesale distributor processing five large B2B payments. You’ll see a clear rate structure before you sign anything—percentage per transaction plus any fixed per-transaction fee.
What you won’t see: junk fees labeled as “compliance” or “PCI” that aren’t actually required. No rate increases buried in fine print. No early termination fees that trap you for three years. The goal is a rate that’s fair for your volume and a statement you can actually read. If your current processor can’t explain your fees in two minutes, that’s a red flag.
Chargebacks happen when a customer disputes a charge with their bank. Every chargeback costs you the transaction amount plus a fee—usually $20-100. Research shows each dollar lost to chargeback fraud actually costs businesses $2.40 when you factor in product loss, shipping, and overhead.
Prevention starts with clear policies. Make sure your business name appears correctly on statements so customers recognize the charge. For card-not-present transactions (phone or online orders), use AVS and CVV verification. Keep detailed records of every transaction—receipts, delivery confirmation, customer communication.
We build fraud detection into your payment gateway. The system flags suspicious patterns like multiple declined cards from the same IP or unusually large orders from new customers. You get alerts in real time so you can verify before fulfilling. For businesses with higher chargeback risk, we set up additional authentication steps that protect you without killing the customer experience. And if a chargeback does hit, we walk you through the dispute process with the documentation you need to fight it.
Yes. Fleet card processing works alongside your standard credit card processing, but it requires specific integration because fleet cards capture extra data—driver ID, vehicle number, odometer readings, fuel type, and transaction limits.
If you run a fuel station, repair shop, or service business in Beltsville that works with commercial vehicles, you’re already seeing fleet cards from companies running the Baltimore-Washington corridor. These aren’t regular credit cards. They’re designed for businesses to control and track vehicle expenses.
We integrate fleet card acceptance directly into your point-of-sale system. Your staff prompts for the required data at the time of sale, the transaction processes with the additional fields, and the customer’s fleet management system gets the detailed reporting they need. You get paid just like any other card transaction. The setup handles major fleet cards like WEX, Voyager, and Comdata. For businesses that operate their own fleet, we can also set you up to issue cards to your drivers with spending controls you define.
Most businesses see funds in their bank account within one business day. You process transactions today, the batch settles overnight, and the money hits your account tomorrow. That’s standard for low-risk businesses with established processing history.
Timing can vary based on a few factors. Brand new merchant accounts sometimes have a short delay while we verify transaction patterns. Very high-risk industries might see two-day funding. And if you process a transaction late in the evening after the daily batch cutoff, it rolls into the next day’s settlement.
The funding speed matters more than people realize. If you’re running a restaurant in Beltsville doing $8,000 in card sales on a Friday night, that money in your account Saturday morning covers your weekend food order. Slow funding—three, four, five days like some processors still do—creates cash flow gaps that force you to float expenses on credit or dip into reserves. Next-day funding keeps your working capital working. You’ll see the deposit schedule clearly laid out before you start processing, and you can track settlements in real time through your reporting dashboard.
You call us and we fix it. That sounds simple, but it’s where a lot of processors fall apart. You can’t take payments, which means you’re losing money every minute that terminal sits dead, and you get stuck in phone tree hell with someone reading a script.
We provide 24/7 technical support with actual humans who can troubleshoot your specific equipment and setup. If it’s a software glitch or settings issue, we walk you through it and get you back online. If the terminal is fried, we ship a replacement with next-day delivery. For businesses that can’t afford any downtime—restaurants during dinner rush, retail shops during holiday season—we can set up backup devices so you’ve got a failsafe.
The support extends beyond just broken equipment. If you’re seeing weird declines, if your batch won’t settle, if you need to refund a transaction and can’t figure out the button sequence—those all get handled the same way. One call, real help, fast resolution. We’ve been doing this since 1992, which means we’ve seen every possible payment processing problem and we know how to fix it without the runaround.
Absolutely. Online payment acceptance is a core part of what we set up, whether you’re running a full e-commerce store or just need a way to take payments through your website for services.
The system includes a secure payment gateway that integrates with major e-commerce platforms and shopping carts. Customers enter their card information on a PCI-compliant checkout page, the transaction processes in real time, and you get confirmation instantly. The gateway handles encryption and tokenization so you’re not storing sensitive card data on your servers.
For Beltsville businesses that aren’t full-time online retailers but need web payment options—contractors who want to collect deposits remotely, B2B suppliers who need to invoice and collect online, service businesses that want to let customers pay before an appointment—we set up virtual terminals and payment links. You send an invoice or payment request, the customer clicks and pays, done. It all flows into the same reporting dashboard as your in-person transactions so you’re not juggling multiple systems. And if you ever want to expand into mobile app payments or recurring billing, the infrastructure is already there.
Local Resources
Other Services we provide in Beltsville
