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Payment processing & POS

Payments set up around your business.

Card processing, point of sale and online payments, matched to how you actually sell. You get one person who knows your account, and rates you can read.

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1,500+Merchants served
$50MCard volume processed each year
17 yearsIn merchant services
Solutions

Built for the way you sell.

Pick what fits today and add more as you grow. Every setup comes with the same person to call when something needs attention.

Retail POS

Clover, Counterpoint and SAM4s systems with inventory, customer lists and sales reports for shops and boutiques.

Restaurant POS

Table layouts, open tabs, tip adjust and kitchen tickets for dine-in, counter service and bars.

Online ordering

Let customers order pickup or delivery from your own website instead of paying marketplace commissions.

High-ticket processing

For auto repair, contractors and B2B sellers running large invoices, with setups built for bigger tickets.

Check your rate

Unattended payments

Card readers for kiosks, vending, laundromats, car washes, parking and other self-serve setups.

High-risk accounts

Stable merchant accounts for CBD, hemp and other businesses that mainstream processors turn away.

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POS finder

Keep the POS you already use.

We work with Clover, Counterpoint, SAM4s and NCC. Running something else? Tell us which point of sale or shop software you use and we'll check whether we can process through it, so you don't have to switch systems.

Systems we work with

Pick your system, or type another name. We confirm anything not listed here by hand, so you get a real answer instead of a guess.

Why Character Card Services

A processor that picks up the phone.

One person, start to finish

You work directly with founder Jeff “Credit Card” Carrick, from setup to support. No ticket queues and no starting over.

Comfortable with big tickets

Large invoices and seasonal spikes are normal business. We set limits and funding up front so payments don't get held.

Rates you can read

Every fee is listed and explained before you sign. Your statement should never be a surprise.

Our service

Service first. Always.

Anyone can quote a rate. What matters is who answers when your terminal goes down or a payment gets held. For 17 years, that's been the difference.

Jeff “Credit Card” CarrickFounder · (954) 243-4647
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  • A direct line, not a call center

    You have Jeff's number from day one. No phone trees, no ticket numbers and no explaining your business to someone new.

  • Set up on the system you already use

    We work with Clover, Counterpoint, SAM4s and NCC, so you can keep your equipment and your routine.

  • Experience you can lean on

    1,500+ merchants and $50M a year in card volume. Whatever comes up, we've likely handled it before.

  • Many banks and processors, one contact

    As a registered agent with multiple processing banks and providers, we aren't tied to one company. We match you with the one that fits your business, and you still deal only with Jeff.

  • A setup built around your business

    We learn how you sell before we recommend anything. You get what fits, not a one-size package.

Rate calculator

What are you paying now?

Your effective rate is total fees divided by total card sales. Take two numbers from last month's statement.

$
$
Add up every fee line, including monthly, PCI and statement fees.
#
Your effective rate
3.10%
$14,880Fees per year at this pace
$1.53Average cost per transaction

A quick calculation on the numbers you enter. Your real costs depend on card mix, how cards are accepted and your pricing model.

Send these numbers for a free review
Get started

Let’s talk about your business.

Tell us about your business and how you take payments today. Jeff will reach out personally to talk through what fits.

  • No cost and no obligation
  • Plain-English breakdown of your current fees
  • A recommended setup for how you sell
Jeff “Credit Card” CarrickFounder · your contact from first call to setup

Prefer to talk? Email jeff@charactercardservices.com or call (954) 243-4647. Fax: (866) 922-2454.

Goes straight to Jeff. He’ll reach out to you personally.

FAQ

Common questions.

What is an effective rate?

It's your total processing fees divided by your total card sales for the month. It includes every fee on the statement, so it's the fairest way to compare two processors.

Which bank or processor will I be with?

It depends on your business. We’re a registered agent with multiple processing banks and merchant service providers, so we recommend the one that best fits your industry, volume and system.

Who do I call if something goes wrong?

Jeff, directly, at (954) 243-4647. You can also email jeff@charactercardservices.com.

Can I keep my current POS system?

Often, yes. Use the POS finder above or tell us what you run, and we'll confirm whether we can process through it.

How long does it take to switch?

[Your typical approval and setup time]

Are there contracts or cancellation fees?

[Your contract and cancellation policy]

Find out what you could save.

Send one statement and get a plain-English breakdown of your fees.

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