Processing fees eat into your profit margin every single day. When you’re paying 3-4% on every transaction, that adds up fast—especially when you’re running a restaurant near Rio, a retail shop in Kentlands, or a medical practice serving the Gaithersburg community.
You need a system that accepts credit cards, debit cards, mobile wallets, and contactless payments without charging you an arm and a leg. The right setup means lower fees, faster deposits, and fewer surprises on your monthly statement. You also get real-time reporting so you can actually see where your money’s going and when it’s hitting your account.
When your payment system works the way it should, you spend less time worrying about cash flow and more time running your business. That’s what happens when your processing rates are transparent, your equipment is reliable, and your support team picks up the phone when you call.
We serve small and mid-size businesses across Gaithersburg and Montgomery County. We’re not a call center in another state. We understand what it’s like to operate near NIST, serve customers in Olde Town, or manage a fleet that runs through the I-270 corridor.
Our CEO holds one of only nine Certified Payments Professional certifications in Maryland. That’s the gold standard for ethics and education in this industry. We use interchange-plus pricing and show you exactly what we make on your account—no hidden markups, no confusing statements.
You work with people who know your area and your challenges. When something goes wrong, you get help right away—not a ticket number and a three-day wait.
First, we talk about what you actually need. If you run a restaurant, you need tableside payment and tip management. If you manage a fleet, you need fuel card tracking and expense controls. If you’re in retail, you need inventory integration and gift card options. We don’t sell you a one-size-fits-all package.
Next, we set up your equipment and integrate it with your existing systems. That includes your POS, your accounting software, and any other tools you’re already using. The application process is straightforward—we handle the tedious parts so you don’t have to decode processor language.
Once you’re live, you start accepting payments immediately. Funds hit your account fast, usually within 24 hours. You get access to a dashboard that shows every transaction in real time. And if something breaks or you have a question at 2 a.m., our support team is available around the clock.
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You get wireless payment acceptance, which means you can process transactions anywhere—at a customer’s location, at a trade show, or on a delivery route. Mobile POS systems are driving orders for 71% of businesses that use them, and they’re especially useful if you operate in Gaithersburg’s growing service economy.
Fleet card processing is built in if you manage vehicles. You track fuel purchases, monitor driver spending, and get detailed reports that make expense management simple. This matters if you’re running deliveries around Montgomery County or managing a transportation business that covers the D.C. metro area.
Gift card and loyalty programs are included too. Customers spend 37% more when they’re part of a loyalty program, and businesses see up to 60% more in-store visits when they offer these options. You can launch a program that works for your Gaithersburg customers without paying for a separate platform.
Online payment acceptance is standard. Whether you’re invoicing clients, running an e-commerce site, or taking appointments online, you can accept payments digitally and have them sync with your in-store system. Everything lives in one place, and you’re not juggling multiple processors.
You’ll pay interchange fees, which go to the card networks, plus our markup. Interchange rates are set by Visa, Mastercard, and the other networks—those aren’t negotiable. What changes from processor to processor is the markup on top of that.
We use interchange-plus pricing, which means we show you the exact interchange rate and then add a flat percentage or per-transaction fee. You see both numbers on your statement. Most businesses in Gaithersburg pay between 2.5% and 3.5% total, depending on their industry, transaction volume, and card types.
If someone promises you rock-bottom rates without explaining how interchange works, they’re either hiding fees or they’re not being straight with you. We’d rather show you the math upfront so you know what you’re paying and why.
Most businesses get approved within 24 to 48 hours. The application asks for basic information about your business—your EIN, bank details, processing history, and what you’re selling. If you have that ready, the process moves fast.
Setup depends on what equipment you need and whether you’re integrating with existing systems. If you’re using a simple countertop terminal, you could be live the same day your equipment arrives. If you need a full POS integration with inventory management and online ordering, it might take a few days to get everything synced.
The key is having your paperwork in order and knowing what you need. We handle the backend work with the processor and the banks. You don’t sit around waiting for callbacks or digging through confusing forms.
We don’t lock you into multi-year contracts with early termination fees. You’re here because the service works, not because you’re stuck. If you want to leave, you can—without paying a penalty or fighting through a cancellation process.
Some processors push three-year agreements because they’re betting you won’t read the fine print. Then when you try to switch, you’re hit with fees that cost more than just staying put. That’s not how we operate.
You’ll sign a service agreement that outlines rates, equipment terms, and support details. But you’re not trapped. If your business changes or you find a better fit elsewhere, you’re free to move on. We’d rather earn your business every month than lock you in and hope you forget.
You call us, and someone picks up. Our support team is available 24/7, which matters when you’re in the middle of a lunch rush or a busy Saturday at your Kentlands retail shop. Downtime costs you money, and we know that.
Most issues get resolved over the phone. If it’s a hardware problem, we’ll troubleshoot remotely or send a replacement. If it’s a connectivity issue, we’ll walk you through fixes or loop in your internet provider if needed. You’re not waiting days for a response or navigating a phone tree.
We also set up backup systems when it makes sense. If you process high volumes or can’t afford any downtime, we can configure a secondary terminal or mobile backup so you’re never completely offline. That’s especially important for restaurants and healthcare practices where payment delays create real problems.
Yes. Every system we set up accepts mobile wallets like Apple Pay and Google Pay, plus contactless credit and debit cards. This isn’t an add-on or an extra feature—it’s standard.
Contactless payments are faster and more secure than swiping or inserting a card. Customers tap, the payment goes through, and they’re done. That speeds up your checkout line and reduces the risk of fraud. It also meets customer expectations—most people in Gaithersburg expect to be able to tap their phone or card at this point.
If you’re using older equipment that doesn’t support contactless, we’ll upgrade you. The technology has been mainstream for years, and there’s no reason to make your customers dig out a physical card when they don’t have to.
Gift cards bring in guaranteed revenue upfront, and loyalty programs get customers to come back more often. When someone buys a gift card, you get paid immediately—even if they don’t redeem it for weeks. And when they do redeem it, they usually spend more than the card’s value.
Loyalty programs work because they give customers a reason to choose you over a competitor. If someone’s deciding between two coffee shops in Olde Town and one offers points toward a free drink, that tips the scale. Businesses with loyalty programs see up to 60% more repeat visits, which matters when you’re trying to build a steady customer base.
You don’t need a complicated system. We set up programs that track purchases automatically and reward customers without requiring you to manage a separate platform. It integrates with your payment system, so it’s one less thing you have to think about while you’re running your business.
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