You’ll see the difference in your bank account within days. Next-day funding means you’re not waiting around for your money while bills pile up. Lower processing rates put more cash back in your pocket every month.
No more chasing customers for checks or making trips to the bank. Accept payments anywhere your business takes you – from your storefront to client locations across Montgomery County.
Your customers get the payment flexibility they want, and you get reliable deposits you can count on. It’s that straightforward.
We’ve been helping businesses in Germantown and throughout Maryland process payments efficiently for nearly two decades. We’re not some faceless corporation – we’re a team of over 30 dedicated professionals based right here in Maryland.
We’ve earned the Best of Annapolis Award two years running because we actually solve problems instead of creating them. As a registered ISO of PNC Bank, you get the stability of a major financial institution with the personal service of a local company.
Germantown’s diverse business community – from retail shops along Seneca Creek to service providers throughout the area – trusts us to handle their payment processing because we understand what local businesses need to thrive.
First, we evaluate your business situation and design a processing approach that fits your specific needs and transaction volume. No cookie-cutter solutions that leave you paying for features you don’t use.
Next, we handle the setup and integration with your existing systems. Whether you need a basic terminal, mobile processing, or full POS integration, we install the right equipment and get everything running smoothly.
Finally, you start processing payments immediately with next-day funding. Your customers can pay how they want – credit, debit, contactless, or mobile – and you get your money fast. We monitor everything to ensure smooth operation and provide support whenever you need it.
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You get comprehensive payment processing that covers all the bases. Accept all major credit and debit cards, plus mobile wallets like Apple Pay and Google Pay. Our fraud protection tools keep your business and customers secure.
Germantown businesses benefit from equipment designed for Maryland’s business environment. Countertop terminals for retail locations, wireless options for mobile businesses, and integrated POS systems that handle inventory and reporting.
Local support means faster response times when you need help. While other processors leave you waiting on hold, our Maryland-based team understands the urgency of payment issues. We’re available Monday through Friday from 8 AM to 10 PM Eastern, because your business doesn’t stop at 5 PM.
Credit card processing fees in Germantown typically range from 1.5% to 3.5% per transaction, but the exact rate depends on your business type, transaction volume, and processing method. We offer transparent interchange-plus pricing that separates the actual interchange fees from our markup, so you know exactly what you’re paying for.
Maryland law caps early termination fees at $500, which protects local businesses from excessive penalties. We focus on competitive rates without hidden fees like monthly minimums, statement fees, or equipment lease charges that can add hundreds to your monthly costs.
Most businesses receive their funds within 1-2 business days after processing transactions. Once your point-of-sale system is settled and batched, it typically takes 2-4 business days for funds to appear in your bank account, depending on your bank’s processing schedule.
Next-day funding is available for qualified businesses, which means you can process payments on Monday and have the money in your account by Tuesday. This improved cash flow helps Germantown businesses manage expenses and reinvest in growth more effectively than waiting a week for traditional check deposits.
The equipment you need depends on how and where you conduct business. Retail locations typically use countertop terminals that handle chip cards, contactless payments, and traditional swipes. Mobile businesses benefit from wireless terminals or smartphone-based solutions that work anywhere you have cell service.
We provide a complete range of processing equipment including PIN pads, check readers, and integrated POS systems that manage inventory and reporting. All equipment comes with setup support and training, so your staff knows how to use everything from day one. We also handle maintenance and technical support to minimize downtime.
Yes, Maryland allows businesses to add surcharges to credit card transactions, but you must follow specific disclosure requirements. Surcharges must be clearly posted at your location and itemized on receipts. The surcharge cannot exceed your actual processing cost, typically 2-4% of the transaction.
You cannot surcharge debit card transactions – that’s prohibited by federal law. Many Germantown businesses find that offering cash discounts instead of surcharges creates better customer relationships while achieving the same goal of offsetting processing costs. We help you determine which approach works best for your customer base.
All our processing solutions include advanced fraud protection and encryption to safeguard customer data. We’re PCI DSS compliant, which means we maintain the highest security standards for processing, storing, and transmitting credit card information.
Our fraud elimination tools monitor transactions in real-time and flag suspicious activity before it becomes a problem. EMV chip card processing adds another layer of security for in-person transactions, while tokenization protects online and mobile payments. These security measures reduce your liability and give customers confidence in your payment process.
Switching processors is simpler than most businesses expect. We handle the application process, coordinate with your bank, and manage the transition to minimize disruption. Most businesses can switch within 7-10 business days without any interruption to their payment processing.
We help you understand any early termination fees with your current processor and often the savings from better rates offset these costs within a few months. Our team coordinates equipment installation and staff training so you’re ready to process payments immediately. We also provide ongoing support to ensure the transition goes smoothly and your business operations continue without interruption.
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