Payment Processing FAQ

Most businesses save between 20-40% on their credit card processing fees. For a business processing $50,000 per month in credit cards, this could mean saving $750-$1,500+ monthly, or $9,000-$18,000+ annually. Restaurants and retail businesses with high transaction volumes often see even greater savings. We provide a free analysis of your current merchant statements to show you exactly how much you could save with no obligation.

Most business owners don't realize they're paying dozens of hidden fees including: Statement fees - Monthly charges just for receiving a statement; Network fees - Assessment fees from Visa, Mastercard, and Discover that change quarterly; Authorization fees - Charged for every transaction even declined ones; PCI compliance fees - Monthly charges whether or not you're compliant; Address verification fees - Charged for security checks; Batch fees - Charged when you close out your daily batch. We identify all these fees and show you how to eliminate or reduce them.

In most cases, you can keep your existing equipment. We work with all major terminal brands including Verifone, Ingenico, Dejavoo, and Square terminals. If your current equipment is outdated or incompatible, we provide free or low-cost replacement terminals as part of our service. The transition is seamless - your day-to-day operations won't change except you'll see lower fees hitting your statement.

Interchange-plus pricing is the most transparent pricing model in payment processing. Here's how it works: Interchange - This is the base fee set by the card networks (Visa, Mastercard) that goes to the card-issuing bank. This is the same for everyone. Plus - This is the small markup we add for our service. With this model, you see exactly what you're paying for each transaction type. Unlike tiered pricing, there's no way to hide fees. We recommend interchange-plus for most businesses because it's honest, predictable, and often 30-50% less expensive than tiered pricing.

Modern payment processing solutions accept virtually every payment method: Credit Cards - Visa, Mastercard, American Express, Discover; Debit Cards - PIN-based and signature debit; Contactless - Apple Pay, Google Pay, Samsung Pay, and other NFC payments; EMV Chip Cards - The more secure chip-enabled cards; Online Payments - E-commerce, invoicing, recurring billing; Mobile Payments - QR code payments, text-to-pay; Gift Cards - Branded gift card programs. We ensure you're equipped for every payment scenario your customers demand.

We believe in earning your business every month, not locking you into contracts. Most of our processing agreements are month-to-month with no long-term commitment required. If you receive free equipment, there may be a nominal recovery fee if you cancel within the first 12-24 months, but beyond that, you can cancel anytime without penalty. We want you to stay because of the value we provide, not because of contractual obligations.

The entire process typically takes 5-10 business days from start to finish. Here's the timeline: Day 1-2 - Submit your current merchant statements for free analysis; Day 3-5 - We present your savings proposal and answer questions; Day 5-7 - Application processing and equipment shipping if needed; Day 7-10 - Terminal programming, testing, and go-live. During the transition, your current processing continues uninterrupted. We coordinate the cutover to ensure zero downtime at your business.

Yes! We specialize in serving high-volume merchants including: Restaurants - Tip adjustment optimization, table-side ordering integration, delivery platform processing; Retail Stores - POS integration, inventory management compatibility, loyalty programs; E-commerce - Online checkout optimization, cart abandonment recovery, subscription billing; Medical & Professional Services - Recurring billing, payment plans, HSA/FSA processing; B2B Companies - Virtual terminal, invoicing, ACH options. Each business type has unique processing challenges and we have specialized solutions for each.

PCI DSS (Payment Card Industry Data Security Standard) compliance is mandatory for any business that accepts credit cards. It ensures you're protecting customer payment data. Compliance requirements vary based on how you process cards: Self-assessed (SAQ) - Most small businesses complete an annual self-assessment questionnaire; On-site assessment - Required for larger merchants processing millions annually. Non-compliance can result in fines of $5,000-$100,000 per month and liability for fraud if a breach occurs. We help you achieve and maintain compliance, often reducing your compliance fees in the process.

Getting started is simple and free: Step 1 - Upload or email us your last 2-3 merchant statements (PDF format is fine); Step 2 - We'll analyze your statements and identify all fees and savings opportunities within 24-48 hours; Step 3 - We present a detailed proposal showing your exact savings potential with no obligation; Step 4 - If you choose to proceed, we handle everything and you start saving typically within 10 days. The analysis is 100% free and you're never obligated to switch. Contact us today to get your free analysis.