If you’re a small business owner in Washington DC, Maryland, or Virginia, you’re probably paying too much for credit card processing. Capitol Financial Services helps local businesses cut their processing costs with transparent, competitive rates — starting at just 2.3% + 10¢ per transaction, or $0 with our Cash Discount Program.
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We’re not a faceless national processor. We’re a DC-area team that works directly with you to find the right solution for your business, whether you run a restaurant in Adams Morgan, a retail shop in Bethesda, or a service company in Arlington.
Why Business Owners Switch to Capitol Financial
Most business owners don’t realize how much they’re overpaying on processing fees until they see a side-by-side comparison. Banks and large processors often bury fees in fine print — monthly minimums, PCI compliance charges, batch fees, and statement fees that add up fast.
At Capitol Financial, we believe in straightforward pricing. We’ll review your current processing statement for free and show you exactly where you can save. Our clients typically save between 20% and 40% on their monthly processing costs after switching.
Accept Every Payment Method Your Customers Use
Today’s customers expect to pay however they want. We set you up to accept all major credit and debit cards, contactless tap-to-pay, Apple Pay, Samsung Pay, Google Pay, and EMV chip transactions. Whether you need a countertop terminal, a handheld device for tableside payments, or a full POS system, we’ll match you with the right hardware.
Our Cash Discount Program: $0 Processing Fees
Our most popular option eliminates your credit card processing fees entirely. With the Cash Discount Program, you pay a flat monthly fee of $39.95 for unlimited processing. Customers who pay with cash receive the standard price, while credit card transactions include a small service fee. It’s fully compliant with card network rules and can save your business thousands of dollars per year.
For example, a business processing $93,000 per month in credit card transactions would save over $31,000 annually by switching to our Cash Discount Program.
How It Works
Getting started is simple. First, we review your current processing statement to identify savings. Then we recommend the best rate plan and equipment for your business type. Our team handles the setup, including programming your terminal or POS system, and trains your staff on the new equipment. The entire process typically takes less than a week with zero downtime.
24/7 Support From a Local Team
Running a business doesn’t stop at 5pm, and neither do we. Our support team is available 24 hours a day, 7 days a week. If your terminal has an issue during the Saturday dinner rush or you need help running a report on a Sunday morning, we’re a phone call away at (202) 683-0309.
As a Fiserv partner, we combine the reliability and security of a national payment network with the personal attention of a local company that knows your business by name.
Frequently Asked Questions About Credit Card Processing
How much does credit card processing cost for a small business?
Capitol Financial’s credit card processing rates start at 2.3% + 10¢ per transaction. You can also eliminate processing fees entirely with our Cash Discount Program for a flat $39.95 per month. We provide a free review of your current statement so you can see exactly what you would pay.
Can you lower my current credit card processing rates?
In most cases, yes. We offer a free, no-obligation review of your existing processing statement with a side-by-side comparison. Our clients typically save between 20% and 40% on their monthly processing costs after switching.
How long does it take to switch credit card processors?
The entire process usually takes less than a week with zero downtime. We review your statement, recommend the right rate plan and equipment, handle the setup and terminal programming, and train your staff.
What payment types can I accept?
You can accept all major credit and debit cards, contactless tap-to-pay, Apple Pay, Samsung Pay, Google Pay, and EMV chip transactions, using a countertop terminal, a handheld device, or a full POS system.
Do you serve businesses in Washington DC, Maryland, and Virginia?
Yes. Capitol Financial Services is a local DC-area company serving small businesses throughout Washington DC, Maryland, and Virginia, with 24/7 support at (202) 683-0309.
Ready to see how much you could save? Contact us at (202) 683-0309 or email info@capitol-financial.com for a free, no-obligation rate comparison.