Processing fees eat into your revenue every single day. You’re not getting the full value of what your customers pay, and waiting days for deposits doesn’t help your cash flow.
What if you could cut those fees, get paid the next day, and stop worrying about whether your system will go down during your busiest hours? That’s what happens when your payment processing actually works for your business instead of against it.
You accept credit cards, debit cards, fleet cards, and wireless payments through one system. Your customers pay how they want. You get your money faster. And when something goes wrong, you talk to a real person who knows your account—not a call center three states away.
We’ve been helping businesses in Montgomery County process payments since 2007. We’re based in Annapolis and we’ve won the Best of Annapolis Award for business development services two years running—2023 and 2024.
That matters because you’re not working with some fly-by-night processor. You’re working with a company that understands what small businesses in Olney deal with every day.
More than 95% of businesses in your area have 50 employees or fewer. You need a processor who gets that—who doesn’t treat you like a number or bury you in fees you didn’t know existed. We’re a registered ISO of PNC Bank and BBB accredited, so you know exactly who you’re working with.
First, we look at what you’re paying now. Not just the rate—everything. Equipment rental, gateway fees, transaction costs, all of it. Most businesses in Olney are overpaying and don’t realize it because the fees are buried in fine print.
Then we design a processing setup that fits how you actually do business. If you’re running a retail shop, you need different equipment than a mobile business. If you process fleet cards or want to add gift card programs, we build that in from the start.
You get the equipment installed, your staff gets trained on how to use it, and you start processing. Funds hit your account the next day. When you have questions or something breaks, you call your rep directly—no hold music, no ticket numbers.
The whole process takes days, not weeks. And if your current processor locked you into a contract, we’ll walk you through what it actually takes to get out of it.
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You get credit card processing, debit card processing, and fleet card processing through one system. You can accept payments in-store, online, or on the go with wireless payment acceptance. If you want to run gift card programs or loyalty card programs, those are built in too.
The equipment options range from basic terminals to full point-of-sale systems, depending on what your business needs. You’re not stuck with outdated tech or paying monthly rental fees for equipment you should own.
Small businesses in Montgomery County are increasingly moving toward contactless payments—85% of consumers prefer it now. Your system handles that without you needing to upgrade every time payment technology changes. Fraud protection is built in, so you’re not on the hook when someone tries to run a stolen card.
And here’s what matters most: you get 24/7 support. Not a call center in another country. Real support from people who know your account and can fix problems fast. Because when your payment system goes down during lunch rush or checkout, you can’t afford to wait on hold for an hour.
It depends on your business type, transaction volume, and how you accept payments. But here’s what most businesses don’t realize: the advertised rate isn’t your actual cost.
You’re also paying gateway fees, equipment rental, PCI compliance fees, monthly minimums, and sometimes early termination fees if you’re locked in a contract. A processor might advertise 1.5% rates, but your effective rate ends up closer to 3% once you add everything up.
We don’t play that game. You get a custom quote based on your actual processing needs, and we show you every fee upfront. Most businesses in Olney save money when they switch because they finally see what they were paying before. The goal isn’t to be the cheapest—it’s to give you the best value for what you’re actually getting.
Next-day funding. That’s standard with us, not some premium add-on.
When a customer pays you today, that money hits your account tomorrow. Compare that to traditional check processing, which can take several days, or some processors who hold funds for 48-72 hours “just because.”
Cash flow is everything for small businesses. You shouldn’t have to wait a week to access your own money. Faster funding means you can restock inventory, pay suppliers, and cover payroll without constantly juggling accounts or relying on credit lines to bridge the gap.
Some businesses in Montgomery County are even moving toward instant payment options now, where funds transfer in seconds instead of days. We can set that up if your business model supports it and you want that level of speed.
You call your rep directly. Not a 1-800 number. Not a ticket system. Your actual representative who knows your account.
System downtime costs you money every minute it’s not working. You can’t afford to sit on hold or wait for someone to call you back “within 24-48 hours.” Our support is available 24/7 because problems don’t only happen during business hours.
Most issues get resolved on the phone. If it’s an equipment problem, we either walk you through the fix or get you a replacement fast. If it’s a processing issue on the backend, we handle it directly with the network.
The businesses we work with in Olney know they can reach someone when something breaks. That’s not standard in this industry, but it should be. You’re running a business—you need support that actually supports you.
Yes. Fleet card processing is built into our system, along with credit cards, debit cards, gift cards, and loyalty programs.
If you run a gas station, auto shop, or any business where customers pay with fleet cards, you know those transactions work differently than regular credit cards. You need equipment that can capture the extra data fleet cards require—vehicle number, odometer reading, driver ID.
We set that up from the start so you’re not scrambling to add it later. Same goes for businesses that want to run gift card programs or loyalty card programs. Those aren’t afterthoughts—they’re part of the initial setup if you want them.
Online payment acceptance and wireless payment acceptance are also included. So whether customers are paying at your counter, on your website, or through a mobile setup at an event or job site, you’re covered. One system, multiple payment types, no need to juggle different processors for different transaction types.
Read your contract. Seriously. Most businesses don’t know what they signed, and processors count on that.
Look for the early termination fee, the auto-renewal clause, and the notice period. Some contracts require 60-90 days written notice or they automatically renew for another year. Some charge $500+ to cancel early.
We’ll walk you through what’s actually in your agreement and what it’ll cost to leave. Sometimes it makes sense to wait until your contract ends. Sometimes the savings from switching cover the termination fee within a few months, so it’s worth it to leave now.
What we won’t do is pressure you into switching before you’re ready or hide the real costs. You need the full picture to make the right call for your business. And once you’re out of that contract, we don’t lock you into another bad one. You should stay because the service is good, not because you’re trapped.
Both. We work with retail businesses, mobile businesses, and online businesses throughout Olney and Montgomery County.
If you’re running an e-commerce site, you need a payment gateway that integrates with your shopping cart and doesn’t charge you an arm and a leg per transaction. We set up online payment acceptance with the security and fraud protection you need to process cards remotely.
Mobile businesses—contractors, food trucks, vendors who work on-site—need wireless payment acceptance that works wherever you are. We provide equipment that connects through cellular or wifi so you’re not tied to a physical location.
And if you’re running a hybrid model where you take payments in-store, online, and in the field, you need one system that handles all of it without forcing you to reconcile three different processors at the end of the month. That’s what we build. One system, multiple channels, all your payment data in one place.
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