You’re running a business, not a charity for payment processors. When you switch to our online payment processing, you’ll see the difference in your bank account within the first month.
Lower processing rates mean more profit per transaction. Faster funding gets your money to you in 2-4 business days instead of a week. And with multiple payment options, you’ll capture sales from customers who want to pay with cards, mobile wallets, or contactless payments.
Your customers get the smooth checkout experience they expect. You get the reliable service that keeps your business moving forward without the headaches.
We’ve been helping Maryland businesses process payments for over three decades. We’re not some faceless corporation—we’re your neighbors, with over 30 full-time employees right here in Annapolis.
We’ve earned the Best of Annapolis Award for Business Development Services two years running. That doesn’t happen by accident. It happens because we actually answer our phones, solve problems quickly, and treat your business like it matters.
Olney businesses choose us because we understand the local market. Whether you’re running a retail shop in Olney Town Center or managing a service business, we know what you need to succeed.
Getting started is straightforward. You complete a simple application that takes about 10 minutes. We review your business information and typically approve standard-risk businesses within 24-48 hours.
Once approved, we ship your equipment or set up your online payment gateway. Our technical team handles the integration with your existing systems—whether that’s your website, POS system, or accounting software.
You start processing payments immediately. Funds typically appear in your business bank account within 2-4 business days. And if you run into any issues, you call a real person who knows your account, not a call center overseas.
Ready to get started?
Our online payment processing covers all the ways your Olney customers want to pay. Credit cards, debit cards, mobile wallets like Apple Pay and Google Pay, and even gift cards and loyalty programs.
For online businesses, our payment gateway integrates with most e-commerce platforms and shopping carts. Retail locations get access to countertop terminals, wireless devices, and PIN pads. Service businesses can take payments on the go with mobile processing.
Maryland businesses face specific compliance requirements, and we handle all of that. PCI DSS compliance, state tax reporting, and federal regulations—it’s all covered. You focus on serving customers while we handle the technical details that keep you compliant and secure.
Processing rates vary based on your business type, transaction volume, and average ticket size. Most Olney businesses see rates between 2.6% and 3.5% for credit card transactions, with debit cards typically lower.
We don’t believe in one-size-fits-all pricing. After reviewing your business, we provide a custom quote that reflects your actual processing needs. Many of our clients save 20-30% compared to their previous processor.
The key is transparency. We show you exactly what you’ll pay upfront, with no hidden fees or surprise charges that show up later.
Most standard businesses can start processing within 2-3 business days of approval. The timeline depends on your business type and whether you need physical equipment or just online processing.
For e-commerce businesses, we can often have your payment gateway live within 24 hours of approval. Retail businesses typically need 2-3 days for equipment delivery and setup.
High-risk businesses or those requiring specialized setups may take 5-7 business days. We’ll give you a realistic timeline upfront so you can plan accordingly.
The equipment you need depends on how and where you take payments. For fixed locations, countertop terminals work well and typically cost $200-400. Mobile businesses often prefer wireless terminals that work anywhere you have cell service.
If you already have a POS system, we can likely integrate with it rather than replacing everything. We work with most major POS providers and can reprogram existing terminals in many cases.
For businesses just starting out, we offer equipment rental programs that spread the cost over time. This helps with cash flow while you’re building your customer base.
Our fraud protection uses multiple layers to catch suspicious transactions before they become chargebacks. This includes real-time transaction monitoring, address verification, CVV checking, and velocity controls.
For online businesses, we provide additional tools like 3D Secure authentication and IP geolocation tracking. These help verify that the person using the card is actually the cardholder.
When fraud does occur, we help you through the chargeback process. Our team provides the documentation and support needed to dispute invalid chargebacks and protect your merchant account.
We don’t lock you into long-term contracts because we’d rather earn your business every month. If you’re not satisfied, you can typically cancel with 30 days’ notice.
Most of our Olney clients stick with us because the service works and the rates stay competitive. But we understand that business needs change, and we won’t penalize you for making decisions that are right for your company.
Before canceling, we’ll work with you to address any issues. Often, problems can be resolved with a simple conversation or account adjustment.
Yes, we provide 24/7 technical support for processing issues that could affect your ability to take payments. If your terminal stops working or your online gateway goes down, you can reach someone immediately.
For general account questions and service issues, our main support team is available Monday through Friday, 8 AM to 10 PM Eastern Time. These are the same people who set up your account, so they know your business.
Emergency support is always available for critical issues that affect your ability to process payments. We understand that payment problems can’t wait until Monday morning.
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