Credit Card Payment Systems

What Credit Card Payment Systems does

Credit Card Payment Systems (CCPS) is a privately held merchant-services provider founded in 2007 and headquartered in Augusta, Georgia. The company is an independent sales organization (ISO) certified by Visa/MasterCard that enables small and mid-sized U.S. merchants to accept credit, debit, EBT, and fleet-card payments across ten verticals: retail, restaurant, lodging/auto rental, MOTO (mail/telephone/internet), B2B, supermarket, utility, public sector, petroleum/pay-at-the-pump, and GSA purchasing cards. CCPS differentiates on industry-specific interchange qualification — capturing Level II data for business cards and Level III data for GSA purchasing cards — which materially reduces effective merchant processing costs.

The product surface is a unified processing platform: core card authorization through Verifone, PAX, Hypercom, Eclipse, and Nurit terminals; a web-based merchant portal for batch, transaction, and statement access; EMV chip-card processing; next-day funding for batches settled by 7:00 PM ET; and integrations with Wright Express (WEX), Voyager, Fuelman, and MasterCard fleet cards. Add-on lines include the Cash Discount Program (Consumer Pay), which surcharges card customers to offset merchant fees; Advance Funding, a revenue-based working-capital product collateralized by daily card volume; gift-card issuance; check verification and guarantee; and equipment sale/rental/free-loan fulfillment.

CCPS monetizes through interchange-plus transaction fees, equipment margins ($175-$200 sales, $12/month rentals), advance-funding originations, and cash-discount program setup fees ($55). Distribution is sales-led: merchant account specialists reach merchants directly, supported by referral channels (independent sales agents, independent contractors, community banks). The company operates a U.S.-nationwide footprint from a single Augusta office. Reporting lines are founder/management-owned, with the leadership team active in card processing since the late 1990s. Headcount is reported as 1-10 employees, consistent with a small-scale ISO rather than a scaled payments platform.

Name

Credit Card Payment Systems

Legal name

Credit Card Payment Systems

Website

https://ccpaymentsystems.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

1–10 employees

Short description

Credit Card Payment Systems is a private Augusta, GA-based merchant-services ISO founded in 2007 that processes card payments for SMBs across ten verticals including retail, restaurant, lodging, petroleum, and government, and also offers a cash-discount program, terminal equipment, and revenue-based advance funding.

Ownership category

akta.pro rank

Product category

Merchant Card Payment Processing

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

akta.pro primary industry

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)

akta.pro secondary industry

Merchant Acquiring & Card Processing (PSPs) (CRAFALAB)

Keywords

• Credit card processing
• Merchant services
• Payment processing
• POS equipment
• Cash discount program

Headquarters

HQ city

Augusta

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Supply Chain, Technology or R&D, Infrastructure

Revenue model

1. Card Transaction Processing: CCPS charges merchants fees for processing credit and debit card transactions. Fees include interchange fees set by card associations (Visa, MasterCard, Discover, American Express), plus additional processing fees. Merchants are encouraged to understand legitimate fees (Dues & Assessments, Kilobyte Fees, Interchange Fees, PCI Compliance Fees, Monthly Service Fees, Equipment Rental Fees, AVS and Voice Authorization Fees) versus junk fees.
2. Equipment Sales and Rentals: CCPS sells and rents credit card processing equipment including terminals (Verifone, Hypercom, Eclipse, Nurit brands) and POS systems. Terminal purchase options: Standard Vx520 costs $175, injected version with PIN pad for PIN Debit/EBT costs $200. Rental option: $12 per unit per month for standard Vx520s. Sufficient volume merchants receive terminal loans at no additional cost.
3. Advance Funding: Business funding program where CCPS provides capital to merchants based on their daily credit card sales volume. Qualification requires being in business for at least one year and having card processing volume. Repayment is through a small percentage of daily card sales - percentage remains constant regardless of business volume changes. Typically approved and funded within 1-2 business days.
4. Cash Discount Program: Merchants offer cash discounts to customers paying with cash or checks. Customers pay a flat percentage when using cards. Merchants pay flat $55 for countertop or wireless equipment and network setup. This program has potential to remove virtually all monthly card processing fees for qualifying merchants.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Credit Card Payment Systems (CCPS) provides merchant credit card processing services, enabling businesses to accept Visa, MasterCard, American Express, Discover, fleet cards (WEX, Voyager, Fuelman), and EBT/PIN debit transactions. The company specializes in industry-specific interchange optimization across 10 verticals (retail, restaurant, lodging, petroleum, supermarket, B2B, utility, public sector, MOTO, GSA), and also sells/rents card terminals, offers POS systems, virtual terminals, smartphone payment processing, gift card programs, check verification services, a cash discount program, and advance funding based on card volume.

Product overview

Credit Card Payment Systems (CCPS) is a payment processing services company offering a unified merchant services platform. The core offering is merchant card processing supporting Visa, MasterCard, American Express, Discover, and fleet cards, supplemented by the Cash Discount Program (Consumer Pay) which enables merchants to offset processing fees. Add-on services include Advance Funding (revenue-based business capital), credit card terminal equipment (sale, rental, or loan), POS systems, virtual terminals, smartphone payment processing, gift card programs, check processing services, and EMV chip card processing. The company serves diverse industries including retail, restaurant, lodging, petroleum, supermarket, utility, public sector, and B2B.

Differentiator

Problem solved

Functional benefit

Products and services

• Merchant Card Processing Core credit card processing service enabling merchants to accept Visa, MasterCard, American Express, Discover, and fleet cards (Voyager, Wright Express, Fuelman) in card-present environments, with industry-specific interchange optimization across 10 verticals.
• Cash Discount Program (Consumer Pay) Card association-approved program allowing merchants to offer cash discounts to customers paying with cash or checks, potentially eliminating monthly card processing fees for qualifying merchants.
• Advance Funding

Quantifiable outcome

• Merchants can save $500/month or $6,000/year in card processing fees with the Cash Discount Program (example: merchant paying $555/month saves $500)
• +3 more outcomes

Segments10 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature5 records

Partnerships

Seven partnerships are on record, tiered core.

• Wright Express (WEX)coreTechnology or IntegrationFleet card processing integration allowing petroleum merchants to accept Wright Express fleet cards as part of the same POS system. Wright Express is a major fleet card provider used by commercial and government fleets.
• VoyagercoreTechnology or IntegrationFleet card integration for petroleum merchants to process Voyager fleet cards through the same POS system. Voyager is a major fuel card program for government and commercial vehicles.
• FuelmancoreTechnology or IntegrationFleet card processing integration allowing merchants to accept Fuelman fleet cards. Fuelman provides fuel management and fleet card services for businesses.
• MasterCard Fleet CardscoreTechnology or IntegrationIntegration with MasterCard fleet card processing as part of the petroleum merchant POS system. Fleet cards allow merchants to serve commercial and government fleet customers.
• BuyPasscoreTechnology or IntegrationCCPS petroleum processing systems (Ruby, Gilbarco, and Wayne) are certified on the BuyPass platform for secure payment processing.
• VerifonecoreTechnology or IntegrationCCPS provides Verifone credit card terminals and POS equipment. Verifone is a leading global provider of payment acceptance solutions. CCPS notes that every card processor uses Verifone products.
• Ruby, Gilbarco, Wayne POS SystemscoreTechnology or IntegrationPetroleum POS systems (Ruby, Gilbarco, Wayne) certified on BuyPass platform for fuel dispenser card processing at petroleum merchants.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Toast: Toast is a restaurant-focused integrated POS + payments provider. Direct overlap with CCPS's restaurant vertical and shared emphasis on interchange optimization for QSR/full-service merchants.
• National Processing: National Processing is an SMB-focused merchant services ISO with similar agent/partner distribution and interchange-optimization sales pitch. Comparable scale and customer segment.
• Block (Square): Block's Square is the dominant SMB card-present processor in the U.S., offering integrated hardware, software, and lending. Direct overlap with CCPS in retail, restaurant, and service SMBs, but at vastly greater scale and with a full SaaS stack.
• Stripe: Stripe is a leading integrated payments processor for online and increasingly in-person commerce. Comparable integrated-PSP role; more focused on internet-first businesses but increasingly competing for SMB card-present volume.
• PaymentCloud: PaymentCloud is a merchant services ISO focused on high-risk and SMB card-present processing. Closest comparable in size, model, and channel (ISO + agent/partner sales) to CCPS.
• PayPal: PayPal (including Venmo and Braintree) processes card-present and online transactions for SMBs. Comparable merchant-processing value proposition and comparable multi-vertical reach, with much stronger brand and capital.

Emerging players

• Helcim: Helcim is a transparent-pricing payment processor targeting SMBs. Comparable 'no hidden fees' positioning and merchant-acquiring model, but with stronger self-service software tooling.
• Stax by Fattmerchant: Stax is a subscription-based SMB payment processor offering interchange-plus pricing. Comparable target customer and interchange-optimization narrative, with a more modern software platform.

Broad incumbents

• Clover (Fiserv): Clover, owned by Fiserv, is a major SMB POS + payments platform distributed through bank and ISO channels. Comparable retail/restaurant merchant base, with a full software-hardware-payments bundle.
• Heartland Payment Systems (Global Payments): Heartland, part of Global Payments, is a large U.S. merchant acquirer serving SMBs across multiple verticals including restaurant and petroleum. Overlap with CCPS in petroleum and restaurant interchange optimization, with much broader scale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/creditcardpaymentsystems

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Credit Card Payment Systems