We’ve been able to lower rates for EVERY merchant we’ve consulted with – no kidding.


Whether you are just getting started or have an existing merchant services account, we’re certain we can save you money while providing you with outstanding service! We offer processing that can be done via traditional terminals, computers, iPad’s or other mobile devices and can function independent of, or as part of, your POS system. We can recommend the right processor and the right POS for your business after a brief consultation. We are independent agents who can find the right solutions for you based on years of experience & inside industry knowledge. Did you know that a good portion of those “unavoidable & necessary” charges on your merchant account statement could very well be flexible? Your agent or processor may not think so, but we know so & can negotiate a better rate with our processors! Our recommendations are always based upon what provider will give you the best ROI… or to put it plainly, the most bang for your buck! You can have a fully functional, very modern & useful POS system for as little as $49 per month! Yes, we’re serious! Most local independent businesses would do very well with this system. If, however, you have grander plans for your business you can take it up a notch to $79 per month. Still not bad. These are only 2 examples among a plethora of options available today. We are happy to help you determine what will suit you best.

Just contact us for a FREE, no obligation consult! The best part is, when you work with us on your credit card processing or POS needs we are your main point of contact! So you actually get local, personal assistance AND customer support from the companies you engage with!



See below for some important information (& a bit of education) about merchant accounts and credit card processing, courtesy of Pivotal Payments.


Does the processor provide…

1. Flexible Payment Options for Terminals
Are you locked into long-term rental contracts? Or does the processor provide you with options to buy or lease-to-own terminals?
2. Future-Proof Terminals
Are the terminals designed to accept chip technology? Or will you be forced to upgrade at a considerable expense in the future?
3. Meet or Beat Pricing
Is the processor flexible in providing you the best available rate for your business? Can you get the best rate without having to go through a lot of red-tape or meeting very strict conditions?
4. Quick Access to Cash
Does the processor provide flexible financing to help grow your business? Are there restrictions or interest charges placed on loans, or can you get a loan that is free from fixed payments, time frames and interest?
5. Ease of Integration
Do you need to change your existing setup? Does the processor integrate with your existing system or customized setup? Can you easily import/export your existing customer database files?
6. Real-time Reporting
Can you follow your business performance anytime, from anywhere? Can you export business reports in your preferred file formats (XML, Excel, PDF, etc.)?
7. Security and PCI Compliance
Does the processor use sophisticated fraud and security tools to protect your business and your clients? Do they meet all PCI standards, allowing your business to benefit from additional reliability?
8. Gateway with Recurring Billing, Re-billing and Customizable User Access Levels
Can you manage recurring payments to avoid potential errors? Can you immediately process transactions from repeat customers, without re-entering customer information?
9. Dedicated Merchant Support
Can the processor help you deal with any issue, including chargeback resolution, risk monitoring, etc.? Are they available 365 days/year?
10. Fully Redundant System
Does the processor have backup servers, to avoid downtime and keep your business up and running 365 days/year?


Our processors say “YES” to all these points and more! For a hassle-free rate quote, contact us today!



What is a Merchant Account?
A merchant account is an account set up through a credit processing company or a bank to accept and process charge card orders. Without a merchant account, one cannot accept payments by any of the major credit card brands.

What credit cards can I accept?
Our processors allow you to accept all major card brands including: Visa, MasterCard, American Express, Discover, Diners Club, as well as all major Charge (Debit) Cards.

How long does it take for the money to reach my bank account?
Batches usually close automatically every night, unless otherwise requested. From the time the batch closes, it normally takes approximately 1-3 business days (depending on your bank) for the funds to reach your bank account.

What is an Issuer?
The issuing financial institution extends credit to a cardholder through bankcard accounts. The financial institution issues a credit card and bills the cardholder for purchases against the bankcard account. Also referred to as the cardholder’s financial institution.

What is an Acquirer?
An Acquirer is a Visa / MasterCard Affiliated Bank or Bank/Processor alliance that is in the business of processing credit card transactions for businesses and is always Acquiring new merchants.

What is an Interchange Fee?
The standardized electronic exchange of financial and non-financial data associated with sale and credit data between merchant acquirers and card issuers on various types of MasterCard and Visa transactions.

What is a Processor?
A Processor is the company that actually routes an Authorization Request from a Point-of-Sale device to Visa or Master Card, and then arranges for Fund Settlement to the merchant. Processors need to have a Sponsoring Bank in order to gain access to the Visa and Master Card networks. When a Processor or other entity has made such an arrangement with a Sponsoring Bank to resell their services, they are called an Agent of that bank.

Any entity that sells Visa or MasterCard must disclose themselves as an Agent of their Sponsoring Bank. Such sales entities may be a Processor, or an Independent Sales Organization of the Processor or Processor/Bank alliance. Many banks are also their own processors, while other banks will use a Third Party Processor to handle this processing for them (in their own brand name in some cases).

What is the Payment Card Industry (PCI) Data Security Standard (DSS)?
The PCI Data Security Standard represents a common set of industry tools and measurements to help ensure the safe handling of sensitive information. Initially created by aligning Visa’s Account Information Security (AIS)/Cardholder Information Security (CISP) programs with MasterCard’s Site Data Protection (SDP) program, and Discover Information Security Compliance (DISC), the standard provides an actionable framework for developing a robust account data security process – including preventing, detecting and reacting to security incidents. The core of the PCI DSS is a group of principles and accompanying requirements, around which the specific elements of the DSS are organized. See PCI Compliance.

Who are the founders of the PCI Security Standards Council?
Founders of the PCI Security Standards Council are American Express, Discover Network, JCB, MasterCard Worldwide, and Visa International.