01
Tell us about your business
Retail, online, mobile or not accepting cards yet — a few quick questions.
Zero Ask about our Zero Processing Fees program
Every card payment, settled for less.
Accept cards in store, online and on the go with one account — lower costs, next-day funding available, and real people to call 24/7.
No obligation
Keep your terminals
24/7 live support
The journey of a tap
How a card payment moves with MCCPS
01 — TAP
Take every way your customers pay.
EMV chip, tap to pay, Apple Pay and Google Pay at the counter; a secure gateway online; key-entry and mobile readers on the go. One account under PayPilot by MCCPS.
Every way to get paid
02 — AUTHORIZE
Encrypted end to end. Approved in seconds.
Card data is protected from the moment it’s read, with PCI compliance guidance included — so security isn’t a project you have to run.
How card security works
03 — SETTLE
Pricing you can actually read.
We review your statements line by line and show you where every cent goes — interchange, assessments and markup — before you decide anything.
Check your effective rate
04 — DEPOSIT
Money in your account the next business day.
Next-day funding is available, so cash flow doesn’t wait on your processor. And if something looks off, real people answer 24/7.
Start a free analysisOne account, every channelTake payments however
All 30 solutions
Take payments however
your customers pay.
01
In store
Countertop terminals, card readers and tap to phone. Keep re-programmable terminals you already own.
Terminals 02Online
A secure gateway that plugs into your website, cart or invoicing — with multiple gateways to fit your needs.
Online gateway 03On the go
Mobile readers and key-entry for deliveries, markets, service calls and phone orders.
Mobile payments 04Recurring
Subscriptions, memberships and payment plans with automated billing and reporting.
Recurring billing
Your biggest hidden cost
See what you’d keep.
Many merchants pay roughly 2.5–3.5% of every card sale to their processor without realizing it. Slide to your monthly card volume — then let us show you the real numbers from your statements.
Monthly card volume$25,000
Typical cost per month*$800
Typical cost per year*$9,600
With MCCPS Zero (dual pricing)$0
Potential yearly savings$9,600
See my real numbers
*Illustrative at a 3.2% effective rate. Dual-pricing programs are subject to card-network rules and state law; your free analysis shows your actual numbers and options.
Zero Processing Fees
A compliant dual-pricing program that can take your card processing cost to $0 — with the signage, receipts and setup handled the right way.
How it works
Three steps. No obligation.
Your time is valuable, so the analysis is quick and painless — and you keep your existing hardware wherever possible.
02
Send two statements
We review two months of processing statements line by line and show you where the money goes.
03
Switch and save
We set you up, program your terminals and stay with you — real support, 24/7.
Everything included
The essentials,
The essentials,
done right.
No add-on menu, no surprise line items. These come with every MCCPS account.
PCI compliance
End-to-end encryption and compliance guidance, so security isn’t your problem to solve.
Next-day funding
Deposits the next business day, so cash flow never waits on your processor.
Reporting dashboard
Real-time reporting on transactions, deposits and chargebacks.
Works with any POS
Integrates with your POS, smartphone or terminal. Multiple platforms and issuing banks.
B2B Level 2 / 3
Lower interchange on corporate and purchasing cards with enhanced data.
Real people, 24/7
Free technical support and personal, first-hand customer service — call 844.826.6227 any time.
Free tools
All tools Know your numbers.
Savings calculator
See what card fees cost you per year — and what Zero or a lower rate could change.
CalculateEffective rate check
Two numbers from your statement reveal your true rate.
CheckPricing model compare
Flat vs. tiered vs. interchange-plus on your own volume.
CompareTerminal finder
Answer five questions, get the right hardware setup.
Find mine
Independent sales agents & ISOs
Refer merchants.
Refer merchants.
Earn every month.
Join our team of independent sales agents. We lower your merchants’ costs — you earn residuals for as long as they process with MCCPS, plus overrides on your team. Set your own hours. Work solo or build a team.
Residuals for as long as your merchants process
Earn overrides on the team you build
E-signature applications, fast approvals
Custom marketing packages
The payments library
Browse the blog 200 guides. Zero jargon.
Guide
How Credit Card Processing Works, Step by Step
A card sale feels instant at the counter, but a lot happens in the seconds and days that follow. Here is the whole path, in order.
GuideInterchange Fees Explained
Interchange is the biggest slice of what you pay to take cards, and no processor sets it. Here is where it comes from and why it moves.
GuideCard Network Assessment Fees Explained
Beyond interchange sits a second layer of pass-through charges paid to the card brands themselves. They are small per sale, but they are never zero.
GuideProcessor Markup: What You're Really Paying For
Interchange and assessments are fixed by others. Markup is what your provider adds, and it is where most of the negotiating room lives.
GuideYour Effective Rate: The Only Number That Matters
Advertised rates are sales copy. Your effective rate is arithmetic, and it tells you what card acceptance really costs you.
GuideTiered Pricing: Qualified vs. Non-Qualified
Three buckets and three prices sound simple. The catch is that the processor decides which bucket each sale falls into.
Payments by industry
RestaurantRetailE-commerceBar & NightclubCoffee ShopFood TruckQuick-Service RestaurantSalon & SpaBarbershopGym & Fitness StudioMedical PracticeDental PracticeVeterinary ClinicChiropracticAuto Repair ShopCar DealershipHVAC & PlumbingContractorLandscapingCleaning ServiceProfessional ServicesLaw FirmAccounting FirmNonprofit DonationChurch & Ministry GivingSchool & EducationDaycareHotel & LodgingTravel AgencyEvent VenueTicketing & EventConvenience StoreGrocery StoreLiquor StoreGas StationPharmacyFloristPet Store & GroomingPhotography BusinessProperty ManagementSubscription BusinessB2B & WholesaleManufacturingTrucking & LogisticsTowing CompanyHome ServicesMarket VendorSubscription BoxTelehealthGovernment & Utility
Solutions
Credit Card Processing for BusinessesZero Processing Fees ProgramPOS Systems That Fit Your BusinessCredit Card Terminals for Every CounterMobile Payment ProcessingTap to Pay and Contactless AcceptanceOnline Payment GatewayVirtual Terminal for Phone and Mail OrdersRecurring Billing for Memberships and SubscriptionsInvoicing and Payment LinksACH and eCheck ProcessingLevel 2 and Level 3 Processing for B2BNext-Day Funding for Card SalesPCI Compliance Help for MerchantsPayment Fraud Prevention for MerchantsChargeback Management for MerchantsHigh-Risk Merchant AccountsEBT and SNAP Acceptance BasicsGift Cards and Loyalty ProgramsPayment Analytics and Reporting DashboardEMV Chip Card ProcessingRestaurant POS SystemsRetail POS SystemsE-commerce Platform IntegrationsBusiness Funding for MerchantsInterchange-Plus Pricing ExplainedCredit Card Surcharging ProgramsFree Merchant Statement AnalysisSwitching Payment Processors SmoothlyIndependent Sales Agent Program
How-to guides
How to Lower Credit Card Processing FeesAccepting Credit Cards for the First TimeAccepting Payments Online for Your BusinessTaking Card Payments Over the PhoneAccepting Payments on the GoAccepting Payments at Events and Pop-UpsSetting Up Recurring PaymentsGetting Paid FasterReducing Chargebacks in Your BusinessPreventing Card Fraud at Your BusinessUpgrading to EMV and ContactlessIntegrating Payments With Your POSOffering a Cash Discount ProgramPassing Processing Fees to CustomersProcessing B2B PaymentsTaking Deposits and PrepaymentsAccepting Tips on Card PaymentsHandling Refunds and ReturnsPayments for Multi-Location BusinessesPayments Setup for a New BusinessMoving Off Flat-Rate ProcessingGetting Out of a Processor ContractAvoiding Terminal Lease TrapsBecoming PCI Compliant, Step by StepAccepting Apple Pay and Google PayAccepting International CardsSelling on Social Media With Payment LinksCollecting Overdue Invoices With Payment LinksEarning Residual Income as a Payments AgentAuditing Your Merchant Statement
FAQ
Questions, answered.
Still curious?
How does the free savings analysis work?
Tell us a little about your business and send two months of processing statements. We review them line by line, show you exactly what you’re paying and where the money goes, and give you a no-obligation proposal.
Can I keep my current terminal?
Often, yes. Many terminals can be re-programmed for MCCPS, so you don’t have to buy new hardware. If you need something new, we offer countertop, wireless and mobile options with EMV chip and tap to pay.
What is the Zero Processing Fees program?
It’s a compliant dual-pricing program: you display a cash price and a card price, so card processing costs are covered at checkout — which can bring your processing cost to $0. Card-network rules and state laws apply, and we help you set it up with proper signage and receipts.
How fast do I get my money?
Next-day funding is available, so deposits can land the next business day after you batch out.
Do you support online and recurring payments?
Yes — a secure online gateway for your website or cart, a virtual terminal for phone orders, invoices and payment links, and recurring billing for subscriptions and memberships.
Is support really 24/7?
Yes. Free 24/7 technical support and personal, first-hand customer service — call 844.826.6227 any time.
Get started
Ready to pay less to accept cards?
Send two statements. Get a line-by-line savings analysis — free, no obligation, 24/7 support.