Why us
If you are checking your statement against someone new, something already itches. Usually it is not only the price. Here is what we think is actually going on, and what we do about it.
Price is the socially acceptable reason to look
When a merchant starts comparing processors, the trigger is rarely a single bad rate. It is slow funding, money held without warning, a fee that crept up at renewal, an account that got frozen, or a support line that never reaches a person. Price is just the easy thing to say out loud. So when you talk to us, we ask what actually made you check, and we answer that, not a generic pitch.
The promise that is always true
Your rate cannot creep
A good rate today is not a good rate forever. Most processors raise the markup quietly, and you do not notice until it has already happened. Ours is published and capped at a dime, so it structurally cannot creep upward. We protect the rate you have, not just the one we quote you on the way in.
When we cannot beat your price, we say so
It happens, and it is rare. A high average ticket, or a markup someone already negotiated down hard, is where a dime is not always the cheapest path. If your statement shows that, the analyzer tells you to stay where you are, with no manufactured urgency. A tool that always recommends itself is rigged, and you would feel it. Telling the truth there is exactly what makes the rest believable.
What you can count on
The promises that hold up after you sign
Anyone can quote a good rate to win the deal. These are the things that are still true a year later.
Your price, in writing
Interchange plus a dime, printed and put in writing before you sign. Not a verbal quote that quietly drifts after.
No contract, no exit fee
Month to month from day one, with no early termination fee. We earn next month, or we do not. The relationship has to keep working.
A rate that cannot creep
A published dime has nowhere to creep to. We protect the rate you have, not just the one we quote you on the way in.
We will tell you to stay
If the analyzer cannot beat what you pay, it says so, with no manufactured urgency. A tool that always recommends itself is rigged.
Side by side
How a published dime compares.
Not louder claims, just the structural differences. This is the part most processors would rather you not lay next to theirs.
1st Bankcard Services
Us
Flat-rate apps
Traditional ISOs
Markup
Flat 10¢ per transaction
A percentage of every sale
Padded interchange-plus
Percentage markup
0%
Built into the flat rate
Hidden inside the spread
Price published
Yes, on this page
Yes, but as a percentage
No, quote only
Rate over time
Never rises, can fall with volume
Scales up with your volume
Tends to creep at renewal
Contract
Month to month
Month to month
Often multi-year, with an ETF
Junk fees
None hidden
Few
PCI, statement, batch common
Will tell you to stay if you win
Yes
No
No
What merchants say
What switching actually feels like
The strongest proof is your own statement. Until then, here is the shape of what owners tell us once theirs is finally legible.
Nick Patel is fantastic. He goes above and beyond to provide exceptional service. Knowledgeable, professional, and cares about his clients. Highly recommend working with him.
R. Patel
Google review
An exceptional experience with 1st Bank Card Services. Zenna and her team have consistently provided top-notch support and guidance, making managing my credit card needs a breeze.
Jay Patel
Google review
The best service I have opted for. Very professional, the best quality in the market, and the support is fantastic. Thank you 1st Bank Card Services.
Vaibhav Joshi
Google review
I have been using 1st Bank since 2008. They have provided excellent service for over a decade, and their staff is very helpful and always ready to help.
Shiva P.
Google review
My agent got me to switch my card processing from Chase to their company. Really amazing customer service, perfect rates, and up to the commitment they promised.
Pankaj Kharbanda
Google review
A great experience. I have been with them for nine years and never had any issues, in terms of customer service or technical support.
Muneeb Hassan
Google review
Excellent customer service. Very detail oriented. Pleasant, polite, and very knowledgeable. Keep up the good work.
Suhail R. Ali
Google review
Their hard work and customer service is worth every penny. I switched my processing from another company because I get better service here.
Riyaz Mujahed
Google review
Customer service is good and technical support is good. I was politely helped with my technical issue. I recommend this company.
Hiten Shah
Google review