Fig. 01
Credit card processing
Debit, credit, mobile, keyed, and card-not-present — on interchange-plus pricing you can read. Check processing and ACH when cards aren't the right tool.
Sugar Camp · Dayton, Ohio
More of every sale, in your account sooner.
Pricing you can read line by line, next-day funding on settled batches, and chargebacks we fight for you — from a local team that answers the phone.
Our address is 10 Sugar Camp Circle — the old NCR campus where the company trained the salesmen who sold the world its first cash registers. Ninety years on, we're still working on the point of sale.
Start here
How does money reach your business?
Preferred vendorSpringboro Chamber
Preferred vendorBuilders Exchange, Dayton
24/7Support you can
actually reach
actually reach
Next‑dayFunding on
settled batches
settled batches
What we handle
Five things that decide whether a transaction ends well.
Most processors sell you a rate and disappear. The work that actually protects your revenue happens after the sale — in the chargeback, the audit, the data, the day the terminal won't boot. That's the part we staff.
Fig. 02
Fraud & chargebacks
A person here works your case. We pull the evidence, write the representment, and fight the chargeback — instead of mailing you a form and wishing you luck.
Fig. 03
Consumer financing
Approve financing at the counter in minutes, so a customer with a big ticket doesn't leave to go ask a bank. Same roof as the rest of your payments.
Fig. 04
Your customer data
Sort, filter, and export what your terminal already knows — busiest hours, repeat customers, average ticket. Retained to state and federal guidelines.
Fig. 05
PCI compliance
We keep your PCI validation current for you — the questionnaire, the scans, the renewals. No surprise non-compliance fee showing up on a statement.
Fig. 06
Gift & loyalty
Branded gift cards and a loyalty program that runs on the terminal you already have. Money collected today, spent later, usually on a bigger ticket than the card was worth.
See for yourself
Hear it from the people who'd be handling it.
Two short spots from the NPS team — one on who we are, one on the phrase that costs Western Ohio business owners the most money.
Desk placard, IBM Corporation. The word started one mile from this office.
Why thinknps.com
The point of sale was invented down the street.
The cash register was patented in Dayton in 1879. The word THINK was written on an easel at an NCR sales meeting here in 1911, before it ever reached IBM. In 1943 the Navy filled the cabins at Sugar Camp with six hundred women who built the machines that broke Enigma.
Our office sits on that ground. It is not why you should pick a processor — but it is why we take the transaction seriously.
Read the whole story →Options
Modern equipment, matched to how you actually work.
We don't have one box to sell you. We fit the terminal to the counter — full station, handheld, tap-to-phone, or a system that runs the whole kitchen.
Most common fit
Clover Station Duo
Two screens — yours and the customer's — with the register, inventory, staff hours, and reporting on one system. Tips and signature happen on their side of the counter, which is where the disputes stop starting.
Get started
Send us a recent statement.
We'll read it line by line and tell you what you're actually paying — including the fees that don't have obvious names. If we can't beat it, we'll say so. Free, and there's nothing to sign to get it.