When your payment system works right, you’re not chasing down delayed deposits or dealing with surprise fees at month-end. You know what you’re paying, when funds hit your account, and how to reach someone if something goes wrong.
That clarity matters when cash flow determines whether you can restock inventory, make payroll on time, or take advantage of a vendor discount. Most merchant services providers bury their fee structures in fine print and leave you waiting days for deposits. You don’t have time for that.
What you need is a system that accepts credit cards, debit cards, fleet cards, wireless payments, and gift or loyalty programs without making you piece together multiple vendors. One setup. One support line. Rates you can actually understand before you sign anything.
We’ve been a wholesale merchant processing company since February 2006. We’re a registered ISO of PNC Bank and BBB accredited since 2010, which means we’ve been through enough economic cycles and payment technology shifts to know what actually works for businesses like yours.
Lorton’s economy runs on professional services, financial operations, and sales—industries where payment speed and security aren’t optional. With a median household income over $136,000 and a workforce that expects modern payment options, your customers aren’t going to wait for outdated systems. We work with businesses here because we understand what’s at stake when processing fails or fees eat into already tight margins.
First, we look at what you’re currently paying and what payment types you need to accept. That includes credit and debit cards, but also fleet card processing if you work with commercial drivers, wireless payment acceptance for mobile transactions, and online payment acceptance if you sell remotely. We don’t push services you won’t use.
Next, we set up your system—hardware, software, or both—and make sure it integrates with whatever accounting or inventory software you’re already running. No one wants to manually reconcile transactions at the end of every day. Everything gets tested before you process a live transaction.
Once you’re live, you have access to 24/7 support. Not a call center in another country—actual support that picks up when your system goes down on a Saturday afternoon. Funds typically hit your account within one to two business days, and you can log in anytime to see transaction history, fees, and deposits. If your rates don’t make sense or something looks off, you call us. That’s it.
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You get full credit and debit card processing, which covers Visa, Mastercard, Discover, and American Express. Fleet card processing is included if your business serves contractors, delivery services, or anyone managing vehicle expenses—common in Lorton given the proximity to I-95 and the number of logistics and transportation businesses operating here.
Wireless payment acceptance means you can process transactions anywhere—at trade shows, job sites, or during deliveries. Online payment acceptance covers e-commerce, invoicing, and remote transactions if you sell services or products beyond your physical location. Gift card programs and loyalty programs help you retain customers and encourage repeat business without running a separate rewards platform.
Everything is PCI compliant, which protects you from liability if customer payment data gets compromised. You also get transparent pricing—no hidden fees, no surprise charges, no rate increases buried in the fine print. And if you’re comparing us to other merchant services providers, ask them if they’ll put their fee structure in writing before you sign. We do.
Most approvals happen within 24 to 48 hours once we have your business information and bank details. The timeline depends on your business type and processing history, but we’re not talking about weeks of waiting.
If you’re a new business without processing history, approval might take a bit longer because underwriters need to assess risk. If you’ve been operating for a while and have clean financials, it’s faster. Either way, we’ll tell you upfront what’s needed and how long it should take—no vague timelines or runarounds.
Once approved, equipment setup and integration usually take another few days depending on whether you need new hardware or you’re using existing terminals. If you’re in a rush, we can expedite shipping and setup, but most businesses are live within a week of starting the process.
You’ll pay interchange fees, which go directly to the card networks and banks—those aren’t negotiable. Then there’s the processor markup, which is what companies like us charge. That’s where transparency matters, because some processors hide their markup in confusing rate structures.
Interchange fees vary depending on the card type and how it’s processed. A rewards card costs more to process than a basic debit card. A card-present transaction (swiped or tapped) costs less than a card-not-present transaction (typed in manually or online). The actual interchange rates are public—you can look them up—but most business owners don’t have time for that.
What you should ask any processor is this: What’s your markup, and is it flat or tiered? We use interchange-plus pricing, which means you see the exact interchange cost and our markup separately. No bundling. No hidden fees labeled as “miscellaneous” or “compliance.” You know what you’re paying and why.
Yes, and if you work with contractors, delivery drivers, or logistics companies in Lorton, you should be set up for fleet card processing. Fleet cards like WEX, Voyager, and Comdata are how commercial drivers pay for fuel, maintenance, and vehicle-related expenses.
The difference between fleet cards and regular credit cards is the data required at the point of sale. Fleet transactions need additional information—odometer readings, driver IDs, vehicle numbers—to go through. If your terminal isn’t set up for that, the transaction gets downgraded and you pay higher fees, or it just declines.
We make sure your system captures the right data so fleet transactions process correctly the first time. That’s especially important in this area given the volume of transportation and logistics businesses operating near I-95. If you’re losing sales because you can’t take fleet cards, that’s a fixable problem.
Most deposits happen within one to two business days after the transaction is processed. So if someone pays you on a Tuesday, you’ll typically see the funds in your account by Wednesday or Thursday.
The timing depends on when the transaction batch closes and when your bank processes incoming deposits. If you process a transaction late in the evening, it might not batch until the next day, which pushes the deposit back by a day. Weekends and bank holidays also add time.
Some processors offer next-day funding or same-day funding for an additional fee. If cash flow is that tight, it’s worth asking about, but most businesses do fine with standard timing. The key is consistency—you should know exactly when to expect deposits so you can plan around them, not guess and hope.
You call support, and someone picks up. We offer 24/7 support, which means nights, weekends, and holidays. If your terminal dies on a Saturday afternoon in the middle of a rush, you’re not stuck waiting until Monday.
Depending on the issue, support can troubleshoot remotely, walk you through a fix, or dispatch a replacement terminal if the hardware is dead. If it’s a connectivity issue—your internet drops or the payment gateway times out—we help you get back online or switch to a backup processing method if needed.
Most system issues get resolved in under an hour. Hardware replacements take longer, obviously, but we’ll get you a loaner or expedite shipping so you’re not down for days. The goal is to minimize downtime because every hour you can’t process payments is money you’re losing.
Not if your merchant services provider sets things up correctly. You should have one integrated system that handles in-store transactions, online payment acceptance, and wireless payment acceptance without forcing you to reconcile three different platforms at the end of the day.
In-store payments go through your terminal or point-of-sale system. Online payments go through a payment gateway connected to your website or e-commerce platform. Mobile payments use a card reader attached to your phone or tablet. All of those transactions feed into the same merchant account, so your reporting, deposits, and fees are centralized.
The problem happens when businesses piece together random solutions—one provider for in-store, another for online, maybe a third for mobile. Then you’re managing multiple logins, multiple fee structures, and multiple support contacts when something breaks. We set it up so everything runs through one system, which makes your life easier and your bookkeeping cleaner.
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