Stop Paying Your Processor Like It's a Business Partner.
Every swipe, tap, and click costs you something. We make sure it costs you less, and that every dollar you process works toward your next round of funding.
No obligation. No pressure. Just a clear look at what you're really paying.
Your Merchant Statement Is Designed to Confuse You.
Twelve pages. Forty line items. Fees with names like "Non-Qualified Surcharge" and "PCI Non-Compliance Assessment." And a rate that somehow crept up after you signed.
Most business owners have no idea what they're actually paying to accept cards. Processors are counting on that.
Sound familiar?
Sound familiar?
- Your "low rate" turned into a much higher effective rate
- Junk fees keep showing up that nobody ever explained
- Deposits take days to hit your account
- You're locked into a contract with a cancellation fee that feels like a ransom note
- When you call support, you get a phone tree, not a person
You don't have a processing problem. You have a transparency problem. We fix that.
Processing Built by a Funding Firm, Not a Sales Floor.
Most processing reps are trying to hit a quota. We're trying to build your business's financial profile. That changes everything.
Transparent Pricing
You'll know exactly what you pay and why. No buried markups, no surprise fees, no "rate adjustments" six months in.
Faster Access to Your Money
Next-day funding options so your cash flow doesn't wait on someone else's batch schedule.
Processing That Builds Fundability
Here's what other processors won't tell you: your merchant statements are one of the most powerful documents in your funding file. Consistent, well-documented card volume strengthens your position for revenue-based financing. When you process with us, we're already building your file for the next step.
A Real Person Who Picks Up
You get a dedicated point of contact, not a ticket number.
However Your Customers Pay, You're Covered.
In-Store / Countertop
Modern terminals and POS systems that accept chip, swipe, tap, and mobile wallets.
Online / E-Commerce
Secure payment gateways that plug into your website, shopping cart, or booking system.
Mobile Payments
Take payments on job sites, at events, or anywhere your business goes.
Invoicing & Recurring Billing
Send payment links, automate subscriptions, and stop chasing checks.
ACH & eCheck
Lower-cost options for larger tickets and B2B payments.
Cash Discount & Surcharge Programs
Offset processing costs where permitted, set up correctly so you stay compliant with card brand rules and state law.
Three Steps. Zero Guesswork.
Send Us Your Statement
Upload one recent merchant statement. That's it.
Get Your Breakdown
We'll show you your true effective rate, every fee you're paying, and exactly where the money is leaking.
Switch (Only If It Makes Sense)
If we can save you money or improve your setup, we'll handle the transition. If you're already getting a fair deal, we'll tell you that too.
Built for Businesses That Run on Transactions.
Higher-risk industry? Ask us. We work with a range of processing partners and can often place businesses that others turn away.
Your Processing Today Is Your Funding Tomorrow.
At GarciaSRB, everything connects. Through our 3 Paths of Lending framework, we help businesses access capital through credit, revenue, and assets.
Card processing feeds directly into the revenue path. Clean, consistent deposits tell lenders a story: this business moves money, and it does it reliably.
So when you're ready to expand, buy equipment, open a second location, or just smooth out cash flow, you won't be starting from scratch. You'll be starting from strength.
Questions, Answered.
Find Out What You're Really Paying.
One statement. One honest analysis. No obligation.