Your sales doubled. Maybe tripled. But you’re still paying the same rate you signed up for years ago—or worse, more.
That stops making sense the moment you see what you’re actually being charged. Most business owners in Upper Marlboro spend about 15 seconds reviewing their merchant services statement each month. It should take 15 minutes, because buried in those pages are fees that don’t need to be there.
When you switch to a processor that actually explains what you’re paying for, a few things happen. Your effective rate drops—sometimes by half. You get funded the next day, not three days later. And when your terminal stops working or your gateway throws an error, someone picks up the phone who knows how to fix it.
You’re not looking for the cheapest option. You’re looking for the one that doesn’t waste your time or your margin. That’s what we offer.
We’ve been in the payment processing business for over 30 years. We’re a registered ISO of PNC Bank, and we work with small businesses across Maryland—including right here in Upper Marlboro—who need reliable credit card processing without the runaround.
Upper Marlboro businesses operate in a competitive market. Whether you’re running a retail shop, a service business, or managing a fleet, you need payment systems that work and fees that make sense. We’re not here to lock you into something confusing.
We evaluate your current setup, show you exactly what you’re paying, and design a solution that fits how you actually do business. That includes credit and debit card processing, wireless payment acceptance, fleet card processing, gift and loyalty card programs, and online payment acceptance if you sell beyond your storefront.
First, we look at your current statement. Not a quick glance—an actual line-by-line review. You’ll see what you’re being charged, what’s negotiable, and what’s not.
Then we talk about how you take payments. In person, online, over the phone, mobile, fleet cards—whatever applies. We don’t sell you equipment you don’t need or software that doesn’t integrate with what you already use.
Once we design your setup, we handle the switch. That means working with your existing POS system if it’s compatible, getting you compliant with PCI standards, and making sure your gateway connects properly if you process online. You get next-day funding, 24/7 technical support, and a real person to call when something goes wrong.
After you’re live, we stay available. No phone trees. No ticket systems that go nowhere. If your terminal won’t batch out or your payment gateway throws an error at 9 p.m., we’re the ones who pick up and walk you through it.
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You get full credit and debit card processing with next-day settlement. That includes Visa, Mastercard, Discover, and American Express—all the major networks your customers expect.
If you run a fleet or need fuel card acceptance, we handle fleet card processing for businesses managing vehicles across Upper Marlboro and Prince George’s County. Wireless payment acceptance is included for businesses that need to process payments on the go—at job sites, delivery routes, or events.
Gift and loyalty card programs are available if you want to drive repeat business. Online payment acceptance is set up through secure gateways that integrate with your website or app. And if you need working capital, business cash advances are an option without the hassle of traditional lending.
Upper Marlboro businesses also benefit from fraud protection tools and chargeback management. Chargebacks cost you twice—once for the transaction, once for the fee. We help you dispute invalid ones and prevent future ones with better processing practices. You also get help staying PCI compliant, which protects you from fines and reduces your liability if cardholder data is ever compromised.
Your effective rate depends on your industry, average ticket size, and how you process payments. But if you’re paying more than 3.5% across all transactions, you’re likely overpaying.
Most small businesses in Upper Marlboro see rates between 2.5% and 3.5% when they’re on interchange-plus pricing. That’s where you pay the actual card network fee plus a small, fixed markup. It’s transparent. If you’re on tiered pricing—where your processor bundles everything into “qualified,” “mid-qualified,” and “non-qualified” rates—you’re almost certainly paying more than you should.
We review your statement and show you exactly where your money is going. Then we give you a rate that’s based on your actual transaction data, not some inflated estimate. The goal is to lower your cost per transaction without sacrificing service or adding hidden fees.
Most switches take one to two weeks, depending on your current setup and whether you’re keeping your existing equipment.
Here’s what happens: we submit your application to underwriting, which usually clears in 24 to 48 hours. Then we program your terminal or integrate your payment gateway. If you’re using a POS system, we coordinate with your software provider to make sure everything connects properly.
You don’t go dark during the switch. We time the cutover so you can keep processing with your old provider until the new system is live and tested. Once you’re up and running, we handle the cancellation notice with your old processor. If there’s an early termination fee, we’ll tell you upfront so there are no surprises.
Not always. If your current terminal accepts chip cards and contactless payments, it’s probably fine.
Older swipe-only terminals are a liability. They don’t meet current PCI standards, and they shift fraud liability onto you if a counterfeit card gets processed. If your equipment is more than five years old or doesn’t accept EMV chip cards, it’s time to upgrade.
We work with all the major terminal manufacturers—Ingenico, Verifone, Dejavoo, PAX. If you need wireless payment acceptance for mobile transactions, we’ll set you up with a device that works on cellular networks. If you process high volume in-store, we’ll get you a countertop terminal with a pin pad. And if you’re processing online or through an app, we integrate with your existing gateway or set up a new one that connects to your website.
Interchange-plus shows you the actual cost of each transaction. Flat-rate pricing hides it.
With interchange-plus, you pay what Visa and Mastercard charge (the interchange fee) plus a small, fixed markup. It’s transparent. You can see exactly what the card networks take and what your processor takes. As your business grows and your transaction volume increases, your costs stay predictable.
Flat-rate pricing—like what you get with Square or PayPal—charges the same percentage on every transaction, regardless of card type. That sounds simple, but you end up overpaying on debit cards and low-cost credit cards because the processor is building in a buffer. For businesses in Upper Marlboro processing more than $5,000 a month, interchange-plus almost always costs less. We’ll run the numbers with your actual transaction data so you can see the difference.
Yes, but you need a processor that’s set up for fleet card processing.
Fleet cards like WEX, Voyager, and Comdata require specific terminal programming and gateway configurations. They’re not processed the same way as regular credit cards. If your current processor doesn’t support fleet transactions, those payments get declined or processed incorrectly, which creates reconciliation headaches.
We set up fleet card acceptance for businesses in Upper Marlboro that manage vehicles, delivery routes, or field services. Your terminal or gateway will prompt for the required data—odometer reading, driver ID, vehicle number—and the transaction processes just like a credit card. You get next-day funding, and your fleet managers get detailed reporting on fuel purchases and spending patterns. If you’re already accepting fleet cards but paying high fees, we can usually lower your rate by switching you to a processor that specializes in fleet transactions.
You call us, and we fix it or replace it. Usually same-day.
Most terminal issues are simple—connection problems, batch settlement errors, or configuration glitches. We walk you through the fix over the phone. If it’s a hardware failure, we ship a replacement terminal overnight at no charge. You’re not waiting three days or filing a ticket that disappears into a queue.
We also support businesses in Upper Marlboro that use integrated POS systems. If your payment gateway isn’t communicating with your software, we troubleshoot the connection and work with your POS provider to get it back online. Our technical support is available 24/7 because payment problems don’t wait for business hours. You get a direct line to someone who knows how your system is set up and can actually solve the problem, not just log it.
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