Your processing fees drop. Not by a few cents—by enough that you’ll notice it in your monthly statements. One restaurant owner we work with went from paying 6.95% to 3.46%. That’s real money back in your business every single month.
You get your funds faster. Same-day or next-day deposits mean you’re not waiting around to pay suppliers, cover payroll, or reinvest in inventory. Cash flow issues don’t fix themselves, but faster access to your money helps.
You can finally accept the payment types your customers actually want to use. Credit cards, debit cards, contactless payments, mobile wallets, fleet cards, gift cards—all of it works through one system. No more turning away business because someone wants to pay with Apple Pay or tap their card.
The equipment works. The support team picks up the phone. And when you call with a question, you’re talking to someone who knows your account and your business type—not reading from a script in another time zone.
We’ve been handling payment processing for Maryland businesses since 1992. We’re not new to this, and we’re not experimenting with your livelihood.
We’re based right here in the Laurel area, serving businesses throughout the Baltimore-Washington corridor. That means we understand the mix of retail shops, restaurants, professional services, and specialty businesses operating in this market. We know what you’re dealing with because we see it every day.
We’re a registered ISO of PNC Bank and BBB accredited. We’ve won the Best of Annapolis Award two years running. But what matters more than the plaques is that businesses stick with us because the service actually matches what we said it would be.
First, we look at what you’re currently paying. Bring us a recent statement and we’ll break down exactly where your money is going—transaction fees, equipment rental, gateway charges, all of it. Most business owners are shocked when they see the real numbers laid out.
Then we design a processing solution based on your actual business. A restaurant needs different equipment than a plumber who takes payments in the field. An online store has different requirements than a retail shop. We don’t sell you a package—we build what fits.
We handle the setup. Equipment gets delivered, installed, and tested. Your staff gets trained on how to use it. Integration with your existing systems happens before you go live, not after.
Once you’re processing, you’ve got 24/7 technical support. Equipment issue at 9 PM on a Saturday? You’re not waiting until Monday. You call, someone answers, and they fix it. That’s the standard, not a premium add-on.
Your funds hit your account on the schedule we agreed to. Next-day deposits mean you’re not floating costs while you wait for your own money to clear.
Ready to get started?
You can accept every major payment type. Credit and debit cards, obviously. But also contactless payments, mobile wallets like Apple Pay and Google Pay, and fleet card processing if you’re in an industry that needs it. Online payment acceptance for e-commerce or invoice payments. Wireless payment acceptance for mobile businesses or tableside service.
Gift card and loyalty programs are included if you want them. These aren’t gimmicks—they’re revenue drivers. Laurel has a strong small business community, and loyalty programs work especially well in markets where customers have real relationships with local shops and restaurants.
The equipment options range from basic terminals to full point-of-sale systems, depending on what your operation needs. We’re not pushing the most expensive option—we’re recommending what actually makes sense for your volume and business model.
You get transparent pricing. The rate we quote is the rate you pay. No hidden fees that show up three months later. No surprise increases when your contract renews. And speaking of contracts—we don’t lock you into long-term agreements that trap you if the service isn’t working.
The support is local. When you call, you’re talking to people who know the Maryland market and understand the specific challenges businesses face in this region. You’re not explaining what Laurel is or why your seasonal volume matters.
It depends entirely on what you’re paying now and what your processing volume looks like. But let’s get specific.
If you’re currently paying above 3.5% for card-not-present transactions or above 2.9% for in-person swipes, there’s almost certainly room to improve. We’ve seen businesses cut their monthly processing costs by 30-50% just by eliminating junk fees and getting on a clearer rate structure.
The biggest savings usually come from businesses that didn’t realize they were paying equipment rental fees for hardware they should own, or monthly gateway fees that were way above market rate. One retail shop in Laurel was paying $89/month just to rent a terminal. We sold them the equipment outright for less than what they’d pay in three months of rentals.
Bring in your last three months of statements. We’ll show you exactly where your money is going and what it would look like with our pricing. No sales pitch required—just math.
At minimum, you need to accept all major credit and debit cards—Visa, Mastercard, American Express, and Discover. That’s table stakes.
But you’re leaving money on the table if you’re not set up for contactless and mobile wallet payments. Nearly half of all transactions now happen through digital wallets like Apple Pay, Google Pay, and Samsung Pay. Younger customers especially expect to tap their phone and go. If your system can’t handle that, you’re creating friction that sends people elsewhere.
For certain business types, you need more. Restaurants should have tableside payment options. Contractors and field service businesses need wireless payment acceptance so you can take cards on-site instead of invoicing and waiting. E-commerce businesses obviously need online payment acceptance with a secure gateway.
If you serve commercial customers—landscapers, auto repair, fuel services—fleet card processing matters. Companies use fleet cards to track expenses, and if you can’t accept them, you’re not getting that business.
The short answer: accept everything your customers want to use. The cost of saying “we don’t take that” is higher than the cost of the equipment.
For most businesses, you’re up and running in 5-7 business days from the time you decide to move forward.
Here’s the realistic timeline. Application and approval usually take 1-2 business days. Equipment ships and arrives within 3-4 days. Installation and training take a few hours, depending on how complex your setup is. A single terminal for a retail counter? That’s a 30-minute job. A full point-of-sale system with multiple stations and inventory integration? That might take half a day.
The part that sometimes slows things down is getting out of your current contract. Some processors make you jump through hoops or charge early termination fees. We’ll review your existing agreement and tell you exactly what you’re dealing with. In some cases, the money you’ll save in the first few months covers any exit fees anyway.
You don’t have downtime. We schedule the switch during your slowest hours, or we run both systems in parallel for a day to make sure everything works before you fully cut over.
If you’re in a rush—maybe your current processor just hit you with a massive rate increase or your equipment died—we can expedite. We’ve had businesses processing on new equipment within 48 hours when it mattered.
You call our 24/7 support line and talk to an actual technician who can troubleshoot with you right then. Not tomorrow. Not during business hours. Right when you need help.
Most issues get fixed over the phone. The terminal isn’t connecting? We walk through the network settings. Reader isn’t recognizing cards? There’s usually a quick fix. Software glitch? We can push updates or resets remotely in a lot of cases.
If the equipment is actually dead—not just acting up, but genuinely broken—we ship a replacement immediately. Depending on where you are in Laurel and what time you call, you might have new hardware the same day. Worst case, it’s there the next morning.
This is one of those things that separates real merchant services from the cheap options. When your terminal goes down, you’re losing money every minute you can’t process payments. We treat it like the emergency it is.
You’re not paying extra for this. Support and equipment replacement are part of the service. Some processors charge you $50 every time you call for help or make you buy new equipment at full retail price when something breaks. That’s not how we work.
No, and you shouldn’t have to manage two different systems. That’s inefficient and it creates problems with reporting, reconciliation, and accounting.
We set you up with integrated payment processing that handles both channels through one platform. Your in-store terminal and your online payment gateway talk to each other. All your transactions—whether someone swiped a card at your counter or checked out on your website—show up in the same reporting dashboard.
This matters more than it sounds like it does. When you’re trying to track daily revenue, manage inventory, or close out your books at the end of the month, having everything in one place saves hours of work. You’re not cross-referencing two different statements or logging into multiple portals.
It also means your customers have a consistent experience. If someone buys a gift card in your store, they should be able to use it online. If they start a loyalty program at your physical location, those points should work on your e-commerce site too.
For businesses in Laurel that do any kind of hybrid model—retail shop with online ordering, restaurant with delivery, service business that takes deposits online and final payment in person—this integration is critical. You need one system that handles all of it without making you or your staff work twice as hard.
Correct. No long-term contracts. No hidden fees. And we can put that in writing.
Here’s why this matters. A lot of merchant service providers lock you into 3-year contracts with automatic renewals and early termination fees that cost thousands of dollars. They do this because their service isn’t good enough to keep you voluntarily. They have to trap you.
We don’t operate that way. You stay because the rates are fair, the equipment works, and the support is responsive. If we’re not holding up our end, you can leave. That’s the deal.
On the fees side, what you see in your quote is what you pay. Transaction fees, monthly account fee if there is one, equipment cost—it’s all spelled out upfront. We’re not going to hit you with PCI compliance fees, statement fees, batch fees, or any of the other garbage charges that show up on statements from other processors.
The only time your rate changes is if the card brands themselves change their interchange rates, which happens occasionally and affects every processor. When that happens, we tell you about it in advance and show you exactly what changed and why.
You can ask to see a sample statement before you switch. We’ll show you what your monthly invoice will actually look like. No fine print. No surprises six months in. Just transparent pricing from a company that’s been doing this in Maryland since 1992.
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