How it works
Switching is less painful than staying.
Most owners put this off because they picture downtime, a new terminal to learn, and a month of chaos. Here is what actually happens, in order, with honest timing.
Start here
How does money reach your business?
The process
Six steps, about three weeks, one afternoon of your time.
Nothing here requires you to close, and nothing requires you to stop taking cards. Your current account stays open until the new one is proven.
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Send us a statement
One recent monthly statement from your current processor — all pages, including the fee summary at the back. That is the entire ask. No application, no credit pull, nothing to sign.
Five minutes -
We read it line by line
We separate what the card brands charge, which nobody can change, from what your processor is adding, which is the only part anyone can compete on. You get both numbers, and the fees that don't have obvious names get named.
Two business days -
A side-by-side, in writing
Your effective rate today against your effective rate with us, on your real volume — not a teaser rate on a hypothetical basket. If the difference doesn't justify the move, we'll tell you that and you've lost nothing but a week.
Same meeting -
Application and underwriting
A merchant application, your banking details for deposits, and a look at your business by the sponsor bank. Straightforward businesses clear quickly. If yours has something unusual in it, you'll hear about it from us before you hear about it from underwriting.
Three to seven business days -
Equipment and setup
We program the terminals, load your menu or product catalog, and set up the gateway if you sell online. Where your existing hardware can be reprogrammed instead of replaced, it is. We come to you for the install.
One appointment -
First batch, then close the old account
You run live, we watch the first batch settle and confirm the deposit hits. Only then do you cancel the old processor — so there is never a day where you can't take a card.
Next business day
Straight answers
The questions everybody asks.
If yours isn't here, call and ask it. You'll get a person, not a queue.
Will I have downtime?
No. The new account runs live and settles a batch before you cancel the old one. There is no window where you can't accept a card — that overlap is deliberate and it costs you nothing.
Do I have to buy new equipment?
Often no. A lot of terminals can be reprogrammed to a new processor rather than replaced, and we check that first. Where hardware genuinely needs to change — usually because it's out of PCI support or it can't do what you're asking of it — we tell you why, and what it costs, before you commit.
What about the contract I'm already in?
Send it over with the statement. Early termination fees are common and they're often smaller than a year of overpaying, but that's arithmetic, not a sales pitch — we'll show you the math either way. Our own agreement is month to month with no early termination fee, so this is not a conversation you'll have with us twice.
Can I keep my gateway and my shopping cart?
Usually. We work with Authorize.Net and NMI, which between them cover most carts and most recurring-billing setups. If you're on something else, tell us what it is before we go further — it's better to find out early that a platform won't move than to discover it mid-install.
How fast does the money actually arrive?
Next business day on settled batches, with the cutoff time set when your account is configured. Batch before the cutoff and the deposit lands the following business day. Weekends and bank holidays follow the banking calendar, not ours.
Who do I call when something breaks?
Us, at the number on this site, around the clock. Not a general support line for a company in another state that has never seen your setup. A terminal down on a Saturday night is an emergency and it gets treated as one.
Is my customers' card data stored anywhere I'd be liable for?
Card numbers live with the processor and the gateway, not on your systems or ours. That's the whole point of the architecture — the less cardholder data touches your business, the smaller your PCI scope and your exposure. We maintain your PCI validation as part of the relationship.
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.