You’re running a business in Oxon Hill, and every day your money sits in processing limbo is a day you can’t pay vendors, cover payroll, or invest back into growth. The national average shows 56% of small business owners cite cash flow management as an ongoing headache. Most of it comes down to one thing: getting paid.
When you accept credit cards, debit cards, fleet cards, or wireless payments, you shouldn’t be wondering when that money hits your account. You shouldn’t be calling a 1-800 number just to get a straight answer about fees. And you definitely shouldn’t be stuck with equipment that crashes during your busiest hours.
Next-day funding means your revenue moves at the speed your business actually operates. Lower processing fees mean you keep more of what you earn. And when something goes sideways with a terminal or a batch report, you get someone on the phone who knows your name and your setup—not a script reader halfway across the country.
We’ve been serving Maryland businesses since 1992. We’re based in Annapolis, which means when you call, you’re talking to someone who understands the local market—from the retail shops along Oxon Hill Road to the restaurants near National Harbor and the contractors working throughout Prince George’s County.
We’re a registered ISO of PNC Bank, which gives you the backing of a major financial institution with the accessibility of a local provider. That combination matters when you need fast answers or custom solutions that actually fit how your business operates day to day.
You’re not a ticket number here. You’re a business owner trying to get paid reliably, and we’ve built our entire operation around making that happen without the usual processing headaches.
First, we evaluate your business. Not with a generic quote, but by looking at your actual transaction volume, average ticket size, and what types of payments you need to accept. Restaurants process differently than contractors. Retail operates differently than professional services. Your setup should reflect that.
Once we configure your system—whether that’s countertop terminals, wireless payment acceptance for mobile businesses, or integrated online payment acceptance for e-commerce—you start processing. Every transaction gets authorized in real time, encrypted for security, and routed through our PCI-compliant network.
Settlement happens next. Your batches close automatically or manually depending on your preference, and funds move to your business account. With next-day funding, that money is available the following business day. No waiting. No mystery holds.
If something breaks or you have questions about a transaction, you call us directly. We handle technical support, billing questions, and equipment issues without transferring you through four departments. That’s the process—straightforward, transparent, and designed to keep your business moving.
Ready to get started?
You can accept every major credit card and debit card through one system. That includes Visa, Mastercard, American Express, and Discover. If you run a business that deals with commercial vehicles or fleet management, fleet card processing is built in—Visa Fleet, WEX, Voyager, and others process the same way as consumer cards.
Wireless payment acceptance works for businesses that move. If you deliver, provide mobile services, or operate at multiple locations throughout Oxon Hill and Prince George’s County, portable terminals let you process on-site. No more writing down card numbers or waiting until you get back to the office.
Loyalty and gift card programs help you keep customers coming back. These aren’t add-ons that require separate systems—they integrate directly with your processing setup. You control the programs, the balances, and the promotions.
For Oxon Hill businesses near National Harbor or along the Branch Avenue corridor, having multiple payment options isn’t optional anymore. Ninety percent of small businesses now accept digital wallets. Sixty-five percent of annual revenue gets processed electronically. If you’re still cash-only or limiting how customers can pay, you’re limiting your revenue.
Pricing depends on your transaction volume, average sale amount, and business type. Most merchant services use interchange-plus pricing, which means you pay the actual card network fee plus a small markup. That’s the transparent model.
The interchange rate is set by Visa and Mastercard—it’s the same for every processor. What changes is the markup. Some companies bury that in complicated tier pricing or add monthly fees, statement fees, PCI compliance fees, and equipment rental charges that stack up fast.
We break it down upfront. You see the interchange cost, our processing markup, and any monthly fees before you sign anything. For most Oxon Hill small businesses, processing costs run between 2% and 3.5% per transaction depending on card type. Debit cards cost less. Rewards cards cost more. But you’ll know exactly what you’re paying and why.
With next-day funding, your money hits your business account the next business day after you close your batch. If you process a sale on Monday and close your batch that evening, funds deposit Tuesday. That’s standard for most businesses once you’re approved and past any initial holding period.
Some processors hold funds for 48-72 hours or longer, especially for new accounts. We work to minimize that. Cash flow matters too much to let your revenue sit in processing purgatory for three or four days.
The Federal Reserve’s Small Business Credit Survey found that getting paid faster is one of the top concerns for business owners. Eighty percent reported challenges with how they send and receive payments. Faster settlement directly improves your working capital and reduces the stress of managing daily cash flow in a competitive market like Oxon Hill.
Yes. Fleet card processing works through the same terminal as your regular credit card transactions. If you run a fuel station, auto repair shop, or any business that services commercial vehicles in Oxon Hill or Prince George’s County, accepting fleet cards opens up a significant revenue stream.
Visa Fleet, WEX, Voyager, and other fleet cards come with enhanced data requirements. That means the transaction needs to capture additional details like odometer readings, driver IDs, or vehicle numbers. Our systems handle that automatically at the point of sale.
Fleet card fraud is a real issue—industry estimates put fraud losses between 6% and 15% of monthly fuel expenses. Our processing includes fraud prevention tools and real-time reporting so you can monitor transactions and catch suspicious activity before it becomes a bigger problem. You get paid for legitimate transactions and avoid chargebacks on fraudulent ones.
You call us, and we troubleshoot immediately. Most terminal issues get resolved over the phone—connection problems, batch settlement errors, or configuration glitches usually have quick fixes if you’re working with someone who knows the equipment.
If the terminal is actually broken and can’t be fixed remotely, we get you a replacement. Depending on your service agreement, that might be next-day shipping or same-day pickup if you’re local to the Annapolis or Oxon Hill area.
Downtime costs you sales. A survey showed 64% of small businesses were unsatisfied with their payment provider’s support, and nearly 20% said they’d leave over it. We’ve built our customer service around the idea that when your terminal goes down, your business doesn’t stop. You need answers and solutions right then—not a ticket number and a three-day wait.
No. Your merchant account can handle both in-person and online transactions. The processing works differently on the backend—card-present transactions have lower interchange rates because the fraud risk is lower—but it all runs through the same account.
For online payment acceptance, you’ll need a payment gateway that integrates with your website or e-commerce platform. That gateway securely transmits transaction data from your site to the card networks for authorization. We set that up as part of your merchant services package.
If you operate a business in Oxon Hill that does both retail and online sales—like a restaurant with delivery orders or a shop with an e-commerce site—you want one provider managing both channels. Separate systems mean separate statements, separate support contacts, and separate reconciliation headaches. Integrated processing keeps everything in one place and makes your accounting significantly easier.
Gift cards generate upfront revenue and bring customers back. When someone buys a $50 gift card, you get $50 immediately. When they redeem it, they typically spend more than the card value. It’s a cash flow advantage and a marketing tool in one.
Loyalty programs increase repeat business. You reward customers for coming back—points per purchase, discounts after a certain number of visits, or exclusive offers for members. The data shows repeat customers spend more per transaction and refer others more often than one-time buyers.
For Oxon Hill businesses competing with chains and big-box stores, loyalty and gift card programs level the playing field. You’re building relationships and giving people reasons to choose you over the next option. These programs integrate with your payment processing, so there’s no separate system to manage. You track balances, issue cards, and run promotions all from the same platform you use to process credit cards.
Local Resources
Other Services we provide in Oxon Hill
