Can I choose my own credit card processor?

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Yes, you can.

Our system comes with a built-in Magstripe Reader, which is the only hardware needed to swipe credit cards through any processor.

If you want to bring your own processor, here are a few things to keep in mind:

  • We need a VAR sheet from your merchant services provider to connect their service to your Wash-Dry-Fold POS system.
    • If your bank or processor cannot provide a VAR sheet for pcAmerica, there is no way for us to connect them.
    • The only help we can give you for this process is this link and the pcAmerica support number of 800-342-5729.
  • Their hardware (PIN pad, chip-reader, whatever) won’t work with our software (unless it’s the PAXS300 through a Heartland dealer like us).
    • All others must use the magstripe reader that we provide.
  • Your effective rate (fees ÷ revenue) is going be between 2 and 6 percent WHOMEVER YOU USE.
    • All merchant service providers in the US are dealers of the same 4-5 “direct processors”.
    • These direct processors are the only companies who actually have agreements with Visa, Mastercard, etc. Everybody else is just reselling and repackaging their service.
    • Visa, MasterCard, American Express charge between 1% and 3% for using their cards — there’s no way this can be avoided.
    • If somebody says that you will “only be paying .03%,” — you’ll actually be paying Interchange (the 1-3%) + .03% + a transaction fee + a variety of monthly or conditional fees.
    • Do research on whomever you plan to use. Always check for “cancellation fees” and PCI compliance fees.
  • Our effective rate is typically between 2.5% and 3.5%, depending on the situation.
    • We are authorized dealers of 2 of the largest “direct processors” — First Data and Heartland.

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