Processing fees are the number one complaint among small business owners. You’re already dealing with tight margins, and every percentage point matters when you’re running payroll, restocking inventory, or covering overhead.
Next-day funding means your money hits your account when you need it. Lower transaction fees mean you keep more of what you earn. And when something goes wrong—a terminal freezes, a batch doesn’t settle, a customer disputes a charge—you get a real person who knows your account, not a call center script.
That’s what changes when your payment system actually works for you. You stop losing time on hold. You stop second-guessing whether you’re overpaying. You get back to running your business.
We’ve been doing this since 1992. That’s over 30 years of helping businesses in Sterling, Loudoun County, and across Northern Virginia accept payments without the headaches that come with most processors.
We’re a registered ISO of PNC Bank, which means your transactions are backed by a name you know. But we’re not a faceless bank—we’re a local team that understands what it’s like to operate in this market. Sterling’s business community is growing fast, and whether you’re in retail off Route 7, running a service business near Dulles, or managing a fleet operation, you need systems that scale without breaking.
We don’t sell you more than you need. We build your setup around how you actually get paid—in person, online, mobile, or all three.
First, we talk about how you take payments today and where the friction is. Are your fees too high? Is your equipment outdated? Do you need to accept fleet cards or add a loyalty program? We don’t pitch a package—we listen.
Then we design a setup that fits. That might mean credit card processing with next-day funding, wireless payment acceptance for mobile operations, or integrated online payment acceptance if you sell beyond your storefront. If you run a fleet-based business, we handle fleet card processing so your drivers can fuel up without you managing receipts manually.
Once you’re live, you get 24/7 technical support and a direct line to someone who knows your account. No phone trees. No transfers to three departments. If a terminal goes down or a transaction doesn’t post, you call us and we handle it.
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You get credit card processing that works with Visa, Mastercard, Discover, and American Express. You get check acceptance if that’s still part of your business. You get wireless payment acceptance for contractors, delivery drivers, or anyone who takes payment outside a fixed location.
If you want to build repeat business, we set up loyalty and gift card programs that keep customers coming back. If you operate a fleet or work with commercial drivers, fleet card processing is built in. And if you sell online or take phone orders, online payment acceptance integrates with what you’re already using.
Sterling businesses deal with a mix of local customers and commercial accounts. That means you need flexibility—POS systems for in-store sales, mobile readers for job sites, and gateways for ecommerce. We make sure all of it connects so you’re not juggling three different processors and wondering why your reports don’t match.
This isn’t about selling you features. It’s about making sure you can take any form of payment your customers want to use, without overpaying or overcomplicating your back office.
Processing fees vary based on your business type, transaction volume, and whether you’re swiping cards in person or keying them in remotely. In-person transactions are almost always cheaper because the risk is lower.
Most small businesses in Sterling pay between 1.5% and 3.5% per transaction, plus a small per-transaction fee. If you’re doing higher volume or your average ticket is larger, you’ll likely land on the lower end. If you’re keying in cards or running a business with higher chargeback risk, expect the higher end.
We don’t hide fees in monthly minimums or PCI compliance charges that show up later. When we quote you a rate, that’s what you pay. And if your volume grows or your business changes, we adjust your pricing so you’re not locked into a structure that doesn’t fit anymore.
Next-day funding is standard for most accounts. That means if you process a sale today, the money hits your bank account tomorrow. It’s not instant, but it’s as close as you’ll get in this industry without paying premium fees for same-day deposits.
Some processors hold your funds for days or even a week when you’re just starting out. We don’t do that unless there’s a specific risk reason, and if that’s the case, we’ll tell you upfront.
For businesses in Sterling that rely on steady cash flow—especially retail, restaurants, or service companies with tight operating budgets—next-day funding makes a real difference. You’re not waiting until Friday to cover payroll from Monday’s sales.
Yes. Fleet card processing is built into our system, and it’s something a lot of processors either don’t offer or charge extra to add later.
If you operate a fuel station, truck stop, repair shop, or any business that works with commercial drivers, fleet cards are a big part of how you get paid. WEX, Voyager, Comdata, FleetOne—we process all the major networks.
Fleet transactions work a little differently than regular credit cards because they often require additional data like odometer readings or driver IDs. Our systems are set up to capture that information at the point of sale so your transactions go through clean and you get paid without delays or declines.
You call us, and we get you back up and running. If it’s a software issue, we can usually troubleshoot it over the phone in a few minutes. If the terminal is dead, we send a replacement.
We keep a wide selection of equipment in stock, so you’re not waiting a week for a part to ship from a warehouse in another state. And because we offer 24/7 technical support, you’re not stuck if something breaks on a Saturday night or during a holiday rush.
Downtime costs you money. We know that. So we don’t treat a broken terminal like a ticket in a queue—we treat it like the urgent problem it is for your business.
Not if it’s set up right. We integrate your in-store point-of-sale system with your online payment gateway so everything runs through one processor and shows up in one report.
A lot of Sterling businesses are adding ecommerce or taking phone orders to supplement foot traffic. If you’re using Shopify, WooCommerce, or a custom site, we connect your payment acceptance so customers can check out online and you can see those transactions alongside your in-person sales.
You don’t want to be reconciling reports from two or three different processors at the end of the month. One system, one statement, one deposit schedule. That’s how it should work.
Pull your last two or three statements and look at your effective rate. That’s your total fees divided by your total sales volume. If it’s over 3%, you’re probably paying too much—especially if you’re swiping most of your cards in person.
Look for fees that don’t make sense. Monthly minimums, PCI non-compliance fees, statement fees, batch fees—those add up fast and a lot of processors bury them in fine print. If you’re being charged for things you don’t understand, that’s a red flag.
We’ll review your statements with you at no cost and show you exactly what you’re paying and why. If we can save you money, we’ll tell you how. If your current rate is already competitive, we’ll tell you that too. You’re not going to get a bait-and-switch from us.
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