Card processing, explained honestly.
Get a quote and a plain-English look at what your business pays to accept cards.
Card processing
In-person, online and keyed payments. We start with your current statement and your effective rate: total fees divided by total card sales.
Statement review
A plain-English breakdown of what you're paying now and why.
Your effective rate
The one number that shows what accepting cards really costs your business.
A quote built for you
Based on your volume and how your customers pay.
Level 3 data for B2B payments
If you sell to other businesses, sending Level 3 (line-item) data can qualify some transactions for lower interchange. Since April 18, 2026, Visa's lowest rates on corporate, purchasing and fleet cards require verified Level 3 data. On small-business cards, it mainly helps card-not-present and invoiced payments.
Not for everyone: on small-business cards paid in person, Level 3 doesn't lower the rate at all. We'll tell you whether it fits how your customers actually pay.
Dual pricing
Dual pricing shows two prices, a cash price and a card price, both posted clearly so customers see them before they pay. It's different from adding a fee at checkout.
State rules vary, and card network display rules apply. We'll go over what applies where you do business before you set it up.
See what you're paying
Reply with a recent statement photo (black out the account numbers if you like) or your rough monthly card volume, and we'll tell you what we'd look at first.