Thinking about accepting credit cards at your business? That’s a smart move. Today’s customers expect fast, flexible payment options — and your ability to offer them could be the difference between closing a sale or losing it.

Let’s break down everything small business owners need to know about credit card processing — in plain English.

What Is Credit Card Processing?

Credit card processing is the system that allows your business to accept card payments from customers — whether in person, over the phone, or online.

While several players are involved in each transaction (banks, card networks, payment processors), what you really need is a reliable merchant services provider to handle the entire process securely and efficiently.

Why It Matters for Your Business

• Accepting credit cards increases convenience for your customers

• It boosts your credibility and professionalism

• You can increase your average transaction size

• It helps streamline your cash flow with faster deposits

Common Fees to Be Aware Of

Before signing up with a provider, ask about:

• Transaction fees per sale

• Monthly service fees

• Equipment or terminal costs

• Chargeback or dispute fees

• PCI compliance requirements

Every provider structures these differently, so it’s important to know exactly what you’re paying for.

What Equipment Do You Need?

Depending on how you run your business, your provider might offer:

• Credit card terminals for in-store use

• Mobile readers for payments on the go

• POS systems with features like inventory tracking

• Virtual terminals for phone orders

• Online payment gateways for websites or eCommerce

How to Choose the Right Provider

When comparing merchant processing companies, consider:

• Transparent pricing and no hidden fees

• Funding speed (how quickly you receive your money)

• Customer support availability and quality

• Built-in fraud protection and security compliance

• Compatibility with your current tools or software

• The ability to scale with your business

How First National Processing Supports Small Businesses

We understand the challenges of running a small business — and we’re here to make payment processing one less thing to worry about.

At First National Processing, we offer:

• Simple, straightforward pricing

• Fast and secure payment solutions

• Full support from setup to scale

• U.S.-based customer service

Ready to Start Accepting Card Payments?

We make it easy to get started with fast setup, flexible solutions, and expert support. Whether you’re launching a new business or upgrading your current system, First National Processing is here to help.

Reach out today for a free consultation and discover the best solution for your business.