Why Hart
Big processors sell one package to everyone. I tailor every setup to the business in front of me: the right processor, the right equipment, and pricing that fits how you get paid.
You see the real interchange cost plus one disclosed markup, transaction by transaction, so the number on your statement matches the math.
Instead ofTiered buckets where a transaction quietly lands in a pricier tier and nobody can tell you why.
Every review looks at how your setup handles card data: equipment, software, PCI compliance and fraud monitoring. You get a plain answer on where you stand.
Instead ofSecurity treated as an afterthought until something goes wrong.
You work with me from the first call onward, backed by national processing partners. When something comes up, you call someone who already knows your business.
Instead ofRe-explaining your business to whoever picks up the support line that day.
| Typical processor | Hart Payments | |
|---|---|---|
| Pricing | Tiered, stacked markups | Interchange plus one disclosed markup |
| Security review | Not included | Included with every review |
| Your contact | Rotating support queue | The same person, start to finish |
| Your setup | One-size-fits-all package | Tailored to your business, from several national partners |
| Switching | Varies, often unclear | About a week, with no gap in payments |
How it works
Fill out the short form below or call. Send a recent processing statement if you have one handy.
We sit down for a short conversation. I show you what you’re paying line by line, compare it to interchange-based pricing, and go over your security.
If switching makes sense, I handle it, usually in about a week. If it doesn’t, you still leave knowing exactly where you stand.
A local, independent partner
Hart Payments is independent. I work with several national processors, so I can match your business to the setup that fits it, instead of selling you one company’s product.
No two businesses take payments the same way. A plumber invoicing from the truck, a wellness practice billing monthly, and a shop with a counter terminal each need something different, so I personalize every setup to fit.
I listen first. Then I explain your options plainly, set everything up, and stay your point of contact long after you’re up and running.
Blair Hart, Principal
Questions
No. The review is a comparison, not a commitment. Worst case, you find out you’re already getting a fair deal and your setup is secure.
Most processors bundle several markups into tiered categories, and a transaction can quietly land in a more expensive tier without an obvious reason. Interchange-based pricing charges the real card-network cost plus one disclosed markup, so what you see on your statement is what the math says.
How your current setup handles card data, whether your equipment and software are current, and where common gaps show up, such as unencrypted terminals, lapsed PCI compliance or weak fraud monitoring.
Most businesses are converted in about a week. Setup and testing happen before your old processing is turned off, so there’s no gap where you can’t take a payment.
Not necessarily. Many existing terminals and POS systems can be reprogrammed rather than replaced. I’ll tell you up front if yours can’t, before you commit to anything.
Yes. Many of my clients take payments in the field or by invoice. I’ll set up the mix you need: card readers, emailed invoices with a pay button, recurring autopay or ACH.
Rates depend on your business, card mix and volume, so I go over real numbers with you instead of quoting a generic figure. The review is where we do that.
No. It’s free, and there’s no obligation.
Nothing happens. You’ll have a clear picture of your costs and any security gaps either way, and no follow-up sales pitch.
Free statement review
Tell me a little about your business and I’ll be in touch within one business day to set up a time.
Based in Hampton Roads, Virginia