You’re not thinking about your payment system when a customer checks out. It just works. Cards go through. Fleet cards process without a hitch. Your funds hit the account next day, not three days later.
The fees make sense because someone actually looked at your business instead of dropping you into a template. When you call with a question, you get a person who knows your account. Not a queue. Not a script.
That’s what happens when your payment processing is set up right from the start. You stop losing margin to unnecessary fees. You stop wondering if yesterday’s batch settled. You get back to running your business instead of babysitting your terminal.
We’re based in Annapolis and we’ve been working with Maryland businesses since 2007. That means we understand what it’s like to operate in Takoma Park—where nearly 15% of residents run their own businesses and the local economy is built on restaurants, galleries, professional services, and healthcare providers.
You’re not getting routed to a national call center. You’re working with people who know this market, who’ve seen what works for businesses like yours, and who can actually adjust your account when your needs change.
We’re a registered ISO of PNC Bank and we’ve been recognized as Best of Annapolis two years running. Not because we’re flashy, but because we show up and do the work right.
First, we look at what you’re currently paying and what you actually need. Not every business needs the same setup. A healthcare office processes payments differently than a restaurant or a retail shop.
We build your system around that. If you take fleet cards, we make sure Voyager and WEX go through without issues. If you need wireless payment acceptance for mobile transactions, we set that up. Same with gift card programs or loyalty systems.
Once it’s live, you get next-day funding on your transactions. Lower processing fees because we’re not padding the rate to cover a middleman. And when something comes up—a question about a chargeback, a terminal issue, equipment that needs replacing—you call your rep directly.
No phone trees. No holding. We handle it and you move on.
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You get full credit and debit card processing across all major networks. That’s Visa, Mastercard, Discover, American Express. You also get fleet card processing, which matters in Takoma Park where commercial vehicles and service-based businesses make up a significant part of the economy. Accepting Voyager, WEX, and other fleet cards means you’re not turning away customers who want to pay that way.
We also set up online payment acceptance if you invoice clients or sell remotely. Wireless payment acceptance for businesses that operate off-site or do delivery. Gift card and loyalty card programs if you want to build repeat business.
The equipment comes from the industry’s largest selection, so you’re getting what actually fits your counter space and workflow. And the tech support is available around the clock, because a terminal going down at 6 p.m. on a Friday shouldn’t mean you’re stuck until Monday.
Everything is PCI compliant. Fraud protection is built in. You’re covered on the security side without having to think about it.
It depends on your transaction volume, average ticket size, and what types of payments you accept. Most small businesses pay between 1.5% and 3.5% per transaction, but that rate can swing based on whether you’re processing card-present or card-not-present transactions.
Here’s what matters more than the rate itself: whether you’re paying flat fees on top of interchange, whether your provider is padding the rate to cover their margin, and whether you’re getting hit with hidden fees for PCI compliance, statements, or batch processing. A lower advertised rate doesn’t mean much if you’re getting nickel-and-dimed elsewhere.
We look at your actual processing activity and build a structure that makes sense. If you’re doing $20,000 a month in credit card sales, we’re not setting you up the same way as a business doing $5,000. That’s how you end up paying what’s fair instead of what’s standard.
Fleet cards open up a customer base that a lot of small businesses miss. If you run a service station, auto repair shop, or any business that serves commercial drivers, fleet cards like Voyager and WEX are how those customers pay. They’re not using personal credit cards. They’re using company accounts that track fuel, maintenance, and expenses.
The U.S. fleet card market hit $93.5 billion in 2023, and it’s growing. That’s not just big trucking companies. It’s landscapers, contractors, delivery services, and local businesses with even two or three vehicles. If you’re not set up to accept fleet cards, you’re turning away business.
We integrate fleet card processing into your existing terminal setup. It’s not a separate system. It works the same way as a regular credit card transaction, and the funds settle just as fast. You just expanded who can buy from you without adding complexity.
With next-day funding, your batch settles and the funds hit your account the following business day. That’s standard with us. So if you process transactions on a Tuesday, you see the money Wednesday. If you process on Friday, it’s there Monday.
That timing matters more than people realize. A lot of small businesses are running tight on cash flow, and waiting three or four days for funds to clear can create problems when you’ve got payroll, inventory orders, or vendor payments due. Faster settlement means you’re working with your money sooner instead of waiting on it.
Some processors hold funds longer or build in delays as part of their risk management. We don’t do that unless there’s a specific reason tied to your account history. The default is next-day. You ran the transaction, you should have access to the money.
You call your rep directly or you contact our 24/7 technical support line. If it’s something we can fix remotely, we do it while you’re on the phone. If it’s a hardware issue and the terminal needs replacing, we get you a new one fast.
Most terminal issues are software-related—connection problems, batch settlement errors, or configuration settings that got changed accidentally. Those get resolved in minutes. If the equipment actually failed, we’re not making you wait a week for a replacement. Downtime costs you money, and we know that.
You’re also not dealing with a third-party support vendor who doesn’t know your account. Our support team has access to your setup, your processing history, and your equipment details. That means faster answers and fewer transfers. You explain the problem once and it gets handled.
It integrates. If you’re invoicing clients, running an online store, or taking payments over the phone, that all runs through the same merchant account as your in-person terminal. You don’t need separate processors or separate reporting.
That matters because you want one place to see your entire transaction history. You want your funds from online sales and in-store sales hitting the same account on the same settlement schedule. And you don’t want to be managing multiple logins, multiple fee structures, or multiple customer service contacts.
We set up your payment gateway to connect with your existing account. Whether someone pays you in person, online, or through an invoice link, it all flows through the same system. Your reporting is cleaner. Your reconciliation is easier. And you’re not paying two companies to do what one system should handle.
If it’s actually working fine, maybe you shouldn’t. But “fine” usually means you’re not thinking about it, which could also mean you’re overpaying and you just don’t realize it. Most businesses don’t review their processing statements. They see money coming in and assume the fees are normal.
Here’s what’s worth checking: Are you getting next-day funding or waiting longer? Are your fees consistent or do they jump around month to month? When you call support, do you get someone who knows your account or are you explaining your business from scratch every time? Are you able to accept fleet cards, mobile payments, and online transactions, or are you limited to basic card swipes?
If any of that feels like a gap, it’s worth a conversation. We’re not going to tell you to switch if your current setup actually makes sense. But if you’re paying more than you should or missing features that would make your life easier, that’s fixable. And switching is simpler than most people think.
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