Legacy CC Group · Merchant Services

Stop Overpaying on Every Credit Card Transaction

Working capital and cash flow are the lifeblood of any small business. We help you keep more of every dollar you earn — and access capital when you need it most.

10–40%
Typical savings range
26%
Average savings
92%
Success rate
Get Your Free Savings Analysis
No obligation. Confidential. Takes 2 minutes.
Request My Savings Analysis →
Processing services provided through a registered ISO of major national banks
What We Offer

Merchant Services That Work Harder for Your Business

Most businesses accept credit cards — but very few know how much they're overpaying to do it. Through our partnership with a registered ISO of major national banks, we offer wholesale rates and a pricing philosophy that puts money back in your pocket on every transaction. We do business on a first-name basis, not by a merchant number.

💳
Lower Processing Rates
We offer more aggressive pricing than large competitors and big banks. Our wholesale rates typically save merchants 10% to 40% off their existing fees — with an average savings of 26%.
🤝
Personalized Support
You'll work with a dedicated point of contact, not a call center. We believe in building real relationships with the businesses we serve — because your success is our success.
🔒
Level III Processing
For B2B and government transactions, Level III processing dramatically reduces interchange fees on corporate, purchasing, and government credit cards — savings most processors don't even offer.
💰
Cash Flow Improvement
Reducing your processing costs is an immediate, direct improvement to your bottom line — freeing up capital you can reinvest in inventory, staffing, marketing, or expansion.
📊
Full Transparency
We provide a confidential, no-obligation savings analysis so you can see exactly what you're paying today versus what you could be paying. No surprises, no hidden fees.
🏦
Access to Capital
Working capital is the lifeblood of any small business. Beyond processing, we connect you to commercial lending resources for when you need capital to manage cash flow, purchase inventory, or fund growth.
The Funding + Processing Strategy

A/R Factoring + Merchant Processing = Maximum Cash Flow

If you're factoring invoices (30-60 day payment terms), you already know the cash flow challenge. But here's what most businesses miss: You could also accept credit cards for immediate payment on smaller invoices.

The Result:
✓ Large invoices → Factored (paid day 1)
✓ Small invoices → Paid by card (paid instantly)
✓ Combined = 95% of cash in hand within 24 hours

Already using factoring? We can add merchant processing to optimize your cash flow across all invoices. No obligation — just a conversation about what's possible.

📊

The Numbers

45 days
Without processing (traditional factoring only)
↓
1-2 days
With factoring + card processing combined
Payment Solutions

Every Way Your Customers Pay, Covered

Whether you're retail, mobile, online, or B2B — we have a payment processing solution built for how your business actually operates.

🖥️
Virtual Terminal
Accept payments by phone or mail order securely from any computer or browser — no hardware required. Ideal for service businesses and invoicing.
🏪
Countertop Terminals
Reliable, EMV-compliant terminals for retail and brick-and-mortar locations. Fast, secure, and simple for your staff and customers.
📱
Mobile App & Device
Take payments anywhere with a mobile card reader and app. Perfect for contractors, vendors, events, and businesses on the go.
🛒
eCommerce / HPP
Accept online payments through a hosted payment page or integrate directly into your website's checkout — built for today's digital-first customers.
📟
Point-of-Sale (POS)
Full POS systems including Clover — ideal for restaurants, retail, and multi-location businesses that need inventory, reporting, and payments in one place.
🏢
B2B / Level III Processing
Specialized processing for businesses that accept corporate, purchasing, or government cards — the lowest available interchange rates for qualifying B2B transactions.
Why It Matters

How Merchant Services Directly Improves Your Cash Flow

You never know when the need will arise to manage cash flow, purchase new inventory, buy advertising, start an expansion project, or handle an unexpected expense. Every dollar saved on processing fees is a dollar that stays in your business.

  • Reduce the "tax" on every sale — lower fees mean more money per transaction deposited into your account
  • Improve net margin without changing a single price or cutting any staff
  • Eliminate surprise fees, rate increases, and the billing confusion that big banks rely on
  • Free up working capital to reinvest in growth, inventory, or marketing
  • Pair merchant savings with a working capital loan when you need a bigger cash injection
  • Fast funding options available through our commercial lending network

The Legacy CC Challenge

Send us your most recent merchant statement. We'll conduct a confidential, no-obligation analysis showing you exactly what you're paying today — and what you could be paying with us. Most merchants are shocked by how much they're leaving on the table.

10–40%
Typical savings
26%
Average savings
92%
Success rate
Visa · MC
Amex · Disc
All major cards

Ready to Stop Overpaying?

Get your free, confidential savings analysis — no obligation, no pressure. Just real numbers.

Get My Free Savings Analysis →
Get Started

Request Your Confidential Savings Analysis

Fill out the form below and a member of our team will contact you within 1 business day with your personalized analysis.

Merchant Services Intake Form

Tell us about your business and current payment processing setup. All information is kept strictly confidential.

Your Contact Information
Business Information
Current Processing Setup
Who processes your cards today?
Check your merchant statement
Payment Channels Used
Your Goals
Merchant Statement

📄 Attach your most recent merchant statement for the most accurate savings analysis. You can email it directly to us after submitting — our team will request it if needed.

Your statement is confidential and used only for your personalized savings comparison.

✅

Request Received!

Thank you! A member of the Legacy CC Group team will reach out within 1 business day with your confidential savings analysis. If you have a recent merchant statement, please email it to team@legacyccgroup.com