Credit Card Processing Services, Inc. is a registered
ISO/MSP of HSBC Bank USA National Association, Buffalo,
NY and we strictly follow the rules and regulations of this
fine organization as well as those of MasterCard and Visa.
Credit Card Processing Services does not post teaser rates
on our website, as other companies do. We want our merchant
to know that the interchange rules established by MasterCard
and Visa are extremely complicated and are composed over 100
pages of rate categories. CCPS gives all of our merchants
the option of signing up for a tiered program such as qualified,
mid-qualified, and non-qualified or an interchange plus rate
structure. Although interchange plus is more complicated to
understand and explain we want you to know that in most cases
this is your lowest cost option. We would be happy to explain
it to you if you give us the time.
Credit Card Processing Services does not lease terminals or
other equipment and has not done so since around 1996. Although
other companies in the business believe in leasing we do not.
We think that leasing is rarely the best or most cost effective
way for a merchant to obtain equipment and we do not feel
good knowing that a merchant who signs a lease typically enters
a non-cancelable agreement usually lasting for four years
and costing thousands of dollars. We believe that a free
terminal placement, month to month rental, free reprogram
of existing equipment, or a low cost equipment purchase are
always your best options.
What does FREE mean in our free terminal placement program
offerings? It means that for every one of our merchants who
signs up for this program and is approved our processing partner
will ship at no cost to our merchant the equipment promised.
Our merchant can then use this equipment for as long as they
continue to process with our processing partner. We will fully
support the equipment and will replace it up to twice per
year at no cost should it malfunction and cannot be easily
fixed over the phone. At any point in time our merchant is
welcome to return the equipment and we will even send a call
tag or return label so there is no cost of returning the equipment.
We provide to our merchants the full and complete terms
and conditions of their merchant agreement. This is required
by MasterCard and Visa, our sponsoring bank, and federal law.
So always make sure that you receive this important paperwork.
Whether you sign up with us or another company it is your
legal right and our obligation to get you a copy of what you
signed. Because the fine print on the terms and conditions
doesn’t fax very well we are happy to provide them here
on our website for you to print yourself. In addition, you
are sent a complete copy of all of your paperwork in your
welcome package that is sent to you via FedEx.
CCPS is confident that the service that we will provide your
business is personal, professional, and very competitively
priced. We are thrilled that Credit Card Processing Services
has a very low attrition rate which we credit to our honest
low cost upfront pricing and attentive personal service after
the sale. Over the past decade plus we are proud to have had
the opportunity to be able to assist several thousand businesses,
both existing and new, setup their merchant accounts.