Credit Card Processing Services

Payment Processing Consultants has become one of the most respected organizations in the merchant services industry. It was founded in 1998 on the principle that businesses should receive superior credit card processing and customer care services. Over 80,000 merchants later, we continue to offer quality customer service, along with customized and innovative solutions so businesses can thrive and remain successful.

Capital Bankcard has the ability to support several types of accounts including:

Retail / Storefront

If you are conducting business face to face, accepting credit cards is a necessity. Whether you have a store, restaurant or kiosk,  Payment Processing Consultants can help your business set up a merchant account so you can accept credit cards for less money than you ever thought possible.

Internet / E-Commerce

If you have an Internet store or own a retail website, you need online credit card processing. With the help of an online merchant account and credit card payment gateway, you can give your customers the option to purchase goods with the click of the mouse, at any time, day or night.

Mail Order / Telephone Order

If you run a mail order business and / or take credit card payments over the telephone, you are participating in, what we call “MOTO Credit Card Processing". (MOTO = Mail Order Telephone Order). Essentially, this means that you collect credit cards in an environment where the customer and credit card are not physically present at the time of purchase.


For years the payment options for mobile merchants were limited to either cash or check. Today, wireless credit card machines have given mobile merchants access to the same credit card authorization networks as retail businesses.

This new technology has allowed the benefits of security and additional sales to merchants who previously had to handle cash or take the risk of accepting checks. As a bonus, wireless credit card processing is typically faster than traditional landline processing. Dedicated networks have been developed for wireless credit card processing, which can transmit and receive data faster than most cell phone networks.

Value Added Programs

Cash Advance

Could your business benefit from a rapid infusion of cash? If so, Payment Processing Consultants has the solution for you – our cash advance program. Simply let us know how much cash you would like to be advanced. We then review your request based on your average credit card processing volume. Once you are approved, you just sign and return the paperwork and the cash is sent to you within days! It’s that simple. One you receive your funds, we simply deduct a predetermined percentage from your daily Visa and MasterCard receipts until the agreed amount is paid back. The benefits of cash advances include:

  • Easier and quicker access to cash versus a traditional loan
  • No requirement of a personal guarantee or collateral
  • No fees or penalties charged for extended payback times
  • No hidden costs or fees

Gift & Loyalty

Attract new business, enhance customer relationships and increase revenues. Add value to your business with a customer-centric gift and loyalty program from Capital Bankcard.


Our customized offerings allow you to select the card design, stored value, currency, expiration dates and more.

  • Complimentary cards: Great when used as a thank you or in response to a poor service experience
  • Promotional cards: Perfect for special events
  • Merchandise return cards: Optional method of handling customer credits


Attract new customers and keep existing ones coming back. Put a loyalty program to work for your business today.

  • Drive repeat business
  • Enhance customer relationships
  • Improve your brand perception
  • Increase overall sales

69% of consumers say their choice of retailer is influenced by where they can earn customer loyalty reward points (source: maritz)

Design a customized loyalty program for your business.

  • Point rewards: Customers earn points or rewards based on the amount they spend
  • Frequency rewards: Customers receive a free or discounted item once they’ve reached a predetermined type and quantity of purchases
  • Discount rewards: Customers get an immediate, fixed discount when they present their loyalty card

Check Processing

Are you interesting in accepting checks, but without assuming the inherent risks? Payment Processing Consultants offers the ability to set-up a check processing account, allowing merchants to authorize a check within seconds, and without any specialized equipment. Another benefit of our check processing service is that it allows you to accept checks without having to purchase any specialized equipment. You run the check verification directly through your credit card terminal, over the phone or through the Internet.