You’re spending too much time reconciling payments from different systems. Your customers want to pay with Apple Pay at the counter, a fleet card at the pump, or a credit card over the phone – and you’re stuck with equipment that only handles half of it.
When you can accept every payment type through one provider, your day gets simpler. Funds hit your account in two to three business days. Your staff stops asking how to process this card or that payment method. You stop wondering if you’re getting ripped off on fees.
The difference shows up in how fast you move. Customers check out quicker. Your reconciliation takes minutes instead of hours. And when something goes wrong at 9 PM on a Saturday, you can actually reach someone who knows how to fix it.
We’ve been handling payment processing since before most of these systems existed. We’re based in Annapolis and we’ve watched Greenbelt grow from a small business hub into the diverse commercial center it is today.
Greenbelt attracts new businesses because the costs are reasonable and the infrastructure actually works. That means you’re competing with more shops, more restaurants, more service providers – all fighting for the same customers. The businesses that win are the ones that make it easiest to pay.
We’re a registered ISO of PNC Bank and we’ve won the Best of Annapolis Award two years running. That matters because you need a provider who’ll still be here in five years when your business has doubled and your payment needs have changed.
First, we figure out what you actually need. A retail shop in Greenbelt needs different equipment than a contractor who takes payments in the field. We’re not selling you a package – we’re looking at how you operate and what’ll actually make your life easier.
Then we get you set up with the right equipment and software. That might be a countertop terminal, a mobile reader, an online payment gateway, or all three. We install it, test it, and make sure your team knows how to use it before we leave.
After that, you start processing. Cards get swiped, tapped, or entered. Payments clear. Money shows up in your business checking account within two to three days. And if something stops working or you have a question about a transaction, you call us – day or night – and talk to someone who can actually help.
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You get credit card processing that handles Visa, Mastercard, Discover, and American Express at the counter, online, or over the phone. You get fleet card acceptance for businesses that serve contractors and commercial drivers – a big deal in Greenbelt where construction and logistics companies are everywhere.
Wireless payment acceptance means your staff can take orders tableside or process payments in the field without running back to a terminal. Online payment acceptance connects to your website so customers can pay you at 2 AM if they want to. Gift card and loyalty programs give you a way to keep customers coming back without discounting yourself into the ground.
You also get check acceptance that actually verifies funds before you deposit, business cash advances when you need capital fast, and ATM services if you want to offer cash access and earn a cut. Greenbelt’s retail and restaurant scene is competitive – these aren’t extras, they’re how you stay ahead. Everything runs through one system, one statement, one point of contact when you need help.
The honest answer is it depends on your business type, your average transaction size, and how you process payments. A restaurant swiping cards at the table pays different rates than an online retailer keying in card numbers.
Most processors charge you an interchange fee (set by Visa and Mastercard, not us), a processing markup (our fee), and sometimes equipment or gateway fees. The markup is where companies hide costs, so we break it down in plain numbers before you sign anything.
Your rate also changes based on how the card is processed. Swiping a chip card in person gets you the lowest rate. Keying in a card number costs more because the risk is higher. If you’re doing a lot of one type of transaction, we can structure pricing to match that. You shouldn’t be paying premium rates for every sale when 90% of your transactions are low-risk.
Most businesses get approved within one to two business days. We submit your application to the bank, they review your business type and financials, and they either approve you or ask for more information.
Some industries take longer – anything considered high-risk like nutraceuticals or travel services might need extra documentation. But if you’re running a retail shop, restaurant, or service business in Greenbelt, approval is usually fast.
Once you’re approved, we ship or deliver your equipment and get you processing within a few days. If you’re in a rush – say you’re opening next week and just realized you can’t take cards yet – tell us up front. We’ve done same-day setups before when the situation calls for it.
Yes, and if you’re in Greenbelt near the commercial corridors or along Greenbelt Road, you should be. Fleet cards are how contractors, delivery drivers, and logistics companies pay for fuel, parts, and services.
Fleet card processing works differently than regular credit cards. The transaction requires extra data – odometer readings, driver IDs, vehicle numbers – and if that data doesn’t transmit correctly, you don’t get paid. We set up your terminal or system to capture that information automatically so you’re not troubleshooting failed transactions.
A lot of small processors don’t bother with fleet cards because the setup is more complex. We do it because Greenbelt has a ton of commercial traffic, and if you’re a repair shop, parts supplier, or fuel station leaving that money on the table, you’re making it too easy for your competition.
You call us, we troubleshoot it over the phone, and if we can’t fix it remotely, we replace it. Our support line is available 24/7 because payment problems don’t wait for business hours.
Most issues are simple – connection drops, software glitches, user error. We walk you through it and get you back up in minutes. If the terminal is actually broken, we ship a replacement the same day or next day depending on when you call.
We also keep backup solutions on hand. If you’re in the middle of a busy shift and can’t wait for a replacement, we can set you up with a mobile reader or virtual terminal so you can keep processing while the new equipment is in transit. You shouldn’t lose a full day of sales because a piece of hardware failed.
Yes. We provide payment gateways that integrate with your website or shopping cart so customers can check out online. You can use Authorize.Net or our Merchant Pro Payment Gateway depending on what fits your setup.
The gateway connects to your merchant account and processes transactions in real time. Your customer enters their card info, the payment gets approved or declined instantly, and the money flows into your account on the same schedule as your in-person sales.
If you’re running a Greenbelt-based business that ships products or offers services bookable online, this is non-negotiable. Customers expect to pay online, and if your checkout process is clunky or doesn’t work on mobile, they’ll go somewhere else. We make sure the integration is clean, the checkout is fast, and you’re not losing sales to technical problems.
Gift cards bring in cash up front and drive repeat visits. Someone buys a $50 gift card in December, the recipient comes in to use it in January, and they usually spend more than the card’s value. You’ve now turned one customer into two visits and higher total revenue.
Loyalty programs keep people coming back without you having to discount every sale. A customer earns points on each purchase, and when they hit a threshold, they get a reward. It’s cheaper than running constant promotions, and it builds habit. They start choosing you over the competition because they’re already halfway to their next reward.
In Greenbelt’s competitive retail and restaurant market, this is how you build a base. Tourists and passersby are great, but the businesses that survive are the ones with regulars. Gift and loyalty programs turn one-time buyers into repeat customers, and we can set up both through the same system you’re already using for credit card processing.
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